Actuarial Outpost
Go Back   Actuarial Outpost > Actuarial Discussion Forum > Life
FlashChat Actuarial Discussion Preliminary Exams CAS/SOA Exams Cyberchat Around the World Suggestions

Upload your resume securely at
to be contacted when our jobs meet your skills and objectives.

Thread Tools Search this Thread Display Modes
Old 06-23-2014, 01:43 PM
Hydraskull's Avatar
Hydraskull Hydraskull is offline
Join Date: Jun 2008
Location: Svalbard
Studying for life
Favorite beer: Six Point Resin
Posts: 6,443

Transgenders often go through bouts of depression due to their condition and the pain that comes along with not fitting in or knowing one's place in society.

The medical history interview and prescription drug databases should uncover any psychiatric treatment or the use of anti-depressants. This would warrant a deeper look into the applicant's medical history.

I don't believe an insurer would decline based on someone being transgendered. They would definitely request an APS to get background on why an applicant is on anti-depressants or has seen a psychiatrist. They would definitely decline based on any suicidal ideations uncovered in an APS.

APS = attending physician's statement, btw.
Originally Posted by Abraham Weishaus View Post
Only Hydraskull knows what he's talking about.
Retracted below.
Reply With Quote
Old 06-23-2014, 02:24 PM
Join Date: Oct 2013
Posts: 1,265

I think a company would decline a transgendered person. I'm basing that completely on a vague recollection of a conversation I had with an underwriter at some undefined distant point in the past.

I think this might be a question better answered by an underwriter?
Reply With Quote
Old 06-03-2015, 03:27 PM
CPlusPlus CPlusPlus is offline
Join Date: Aug 2007
Posts: 16

Bumping up this old thread that I started last year, since the recent Caitlyn Jenner news has brought trans issues back into the limelight? I'm really curious if any advances have been made on this. I suspect that there still isn't much underwriting data available on trans lives.
Reply With Quote
Old 06-03-2015, 03:48 PM
BruteForce's Avatar
BruteForce BruteForce is offline
Join Date: Apr 2013
Studying for More Money
Favorite beer: Wurzel Bier
Posts: 11,682

I work for a health insurance carrier. We have like 7 values that can be entered in the Gender field for a member. I don't remember them all, but I know that they like to keep track of if you are going from one gender to another since you're going to have some expensive drugs long term. I don't know to what extent this is used for underwriting purposes.

Originally Posted by Actuary321 View Post
I would really hate to bring Pokémon to a gun fight.
Reply With Quote
Old 06-05-2015, 07:25 PM
MathGeek92 MathGeek92 is offline
Join Date: Jul 2004
Posts: 777

john hopkins just released a report about why they dont do gender surgeries any longer.

it explains the high suicide rate quite well.
Reply With Quote
Old 06-05-2015, 07:37 PM
Whiskey's Avatar
Whiskey Whiskey is offline
Join Date: Jul 2008
Studying for nothing at all
Posts: 40,708

Originally Posted by MathGeek92 View Post
john hopkins just released a report about why they dont do gender surgeries any longer.

it explains the high suicide rate quite well.
I was unaware of John's Hopkins just releasing a report regarding transgender surgery.
Whiskey "on tap" - 12/31/15

Pappy Van Winkle-Family Reserve 15yr & lot "B" 12yr
Baker's 7yr
Knob Creek - 9yr
Basil Hayden
Maker's Mark - 46 & Cask Strength
Woodford Reserve
Jack Daniel's-Gentleman Jack, Single Barrel & Old #7
Four Roses Small Batch
Noah's Mill
Kirkland Bourbon - 7yr

Angle Envy's - Finished Rye
Ravenswood Rye
High West - Double Rye
Whistle Pig - 10 yr
Old Overholt

Glenfiddich - The Distiller's Edition
Tomatin 12yr
The Dimple Pinch - 15 yr
Dewar's White Label


Middleton Very Rare
Redbreast 12yr
Bushmill - Single Malt 16 yr
Jameson - Caskmates Stout and Regular
Reply With Quote
Old 06-05-2015, 08:55 PM
campbell's Avatar
campbell campbell is offline
Mary Pat Campbell
Join Date: Nov 2003
Location: NY
Studying for duolingo and coursera
Favorite beer: Murphy's Irish Stout
Posts: 90,450
Blog Entries: 6

yeah, that was released a long time ago

it was one of the doctors who published an op-ed referencing the earlier research

LinkedIn Profile
Reply With Quote
Old 10-06-2016, 08:46 PM
Sculler Sculler is offline
Join Date: Dec 2006
Location: DC
College: Yale
Favorite beer: Old Dominion Double D
Posts: 8

I would guess that it would be based off of legal gender.
Reply With Quote
Old 10-06-2016, 10:34 PM
JMO's Avatar
JMO JMO is offline
Carol Marler
Join Date: Sep 2001
Location: Back home again in Indiana
Studying for Nothing actuarial.
Posts: 37,643

Originally Posted by Sculler View Post
I would guess that it would be based off of legal gender.
Does driver's license count?
Carol Marler, "Just My Opinion"

Pluto is no longer a planet and I am no longer an actuary. Please take my opinions as non-actuarial.

My latest favorite quotes, updated Nov. 20, 2018.

I should keep these four permanently.
Originally Posted by rekrap View Post
JMO is right
Originally Posted by campbell View Post
I agree with JMO.
Originally Posted by Westley View Post
And def agree w/ JMO.
Originally Posted by MG View Post
This. And everything else JMO wrote.
And this all purpose permanent quote:
Originally Posted by Dr T Non-Fan View Post
Yup, it is always someone else's fault.
All purpose response for careers forum:
Originally Posted by DoctorNo View Post
Depends upon the employer and the situation.
Originally Posted by El Actuario View Post
Therapists should ask the right questions, not give the right answers.
Originally Posted by Sredni Vashtar View Post
I feel like ERM is 90% buzzwords, and that the underlying agenda is to make sure at least one of your Corporate Officers is not dumb.
Reply With Quote
Old 10-10-2016, 02:11 PM
Completely Absorbed Completely Absorbed is offline
Join Date: Apr 2015
Location: Nibbana
Studying for ever and ever, Amen.
College: Rutgers University
Posts: 544

I don't have business experience in this subject, just wanted to point out that it's much kinder to say "transgender" than "transgendered". The latter implies this is a thing that happened to that person, and most transgender folk will identify their gender identity issues as having been painfully aware to them since they were very young children, and for many is an ongoing process.

Second point, which has been made already, but is important for those who are learning about the trans community, is that not all transgender people get gender reassignment surgery. Some want it but cannot afford it, some do not want it, but may still transition. Not all trans folk get hormones either. Some people identify as gender queer (male or female aren't adequate gender descriptors for these people), or gender fluid (may present as male, or female, or gender queer, differently at different times).

Overall seems like an issue you can just say "well, it's a small number of people and probably won't matter", but I wonder how small it really is? And also, wouldn't the OP's question be highly relevant if you're writing a group policy for a Transgender outreach center, where the likelihood of a much higher % of transgender employees is high?
Originally Posted by Abelian Grape View Post
*fist pumping intensifies*
Reply With Quote

Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off

All times are GMT -4. The time now is 04:38 PM.

Powered by vBulletin®
Copyright ©2000 - 2019, Jelsoft Enterprises Ltd.
*PLEASE NOTE: Posts are not checked for accuracy, and do not
represent the views of the Actuarial Outpost or its sponsors.
Page generated in 0.21024 seconds with 9 queries