Last year Gov Charlie Baker signed H.482:

”(S)ponsored by Rep. Ruth Balser, D-Newton,(which) would prohibit a company that issues disability insurance from discriminating against someone based on race, color, religion, national origin, sex, pregnancy, gender identity, sexual orientation or marital status. The insurer would not be allowed to reject an applicant, cancel a policy or demand higher premiums based on those categories."

Since all insurance carriers who write disability insurance charge more for women than men, this will have the effect of lower rates for women and increasing the costs for men.

There is an exception for those carriers who filed their products through the Interstate Compact - those products do not have to be changed.

Our Carriers:

Ameritas will start using Unisex Rates for both their individual and overhead expense products as of January 1, 2020.

Assurity will start using Unisex Rates as of January 1, 2020, but will no longer offer thier overhead expense product.

Fidelity/Risk will start using Unisex Rates as of January 1, 2020.

Illinois Mutual will start using Unisex Rates for both their Individual DI and Overhead Expense products as of January 1, 2020.

Mutual of Omaha will suspend all sales as of December 2019 (please note that Mutual of Omaha is planning to launch a new product sometime next year and will likely file through the Interstate Compact, so we are likely to see Gender Distinct rates).

Petersen International has always offered policies with unisex and will continue to do so without change.

Principal will start using Unisex Rates as of January 1, 2020 for both their individual DI, Key Person, and Overhead Expense products and will no longer offer Buy-Sell in MA (please note that Principal will likely file their new product through the Interstate Compact, so we may see Gender Disctinct pricing when that product is released some time toward the end of 2020).

Standard will suspend sales of their Buy-Sell and Overhead Expense products, but will continue to offer their individual DI on a gender disctinct basis since they file through the compact states.