Description: This article is a discussion of a study released in June 1976 by the New York Insurance Department, entitled “Disability Income Insurance – Cost Differentials between Men and Women.” The author of this article notes that “due to charges by various groups of discrimination in the underwriting and establishing of premium rates for individual disability income insurance, the results of this study have been eagerly awaited by many segments of the insurance industry. Fears of substantiating uni-sex rates were unfounded as the results of the study generally conformed to those of the Society of Actuaries which the industry has relied on to a great extent in the past.”

Description: This article is a review and discussion of the article, “Sex and the Single Table: Equal Monthly Retirement Income for the Sexes? By Barbara J. Lautzenheiser, FSA, appearing in the Fall 1976 issue of Employee Benefits Journal. The author of this article found it to be an informed discussion in the defense of actuarial risk classification practices, and of the legal and social issues used to argue against risk classification based on gender, such as promoting unisex tables for determining pension payments.