Harsh2111s
"and" is the parallelism trigger here.
Phrases before and after "and" seem parallel.
"facing the threats of lawsuits" is parallel to "rising costs of malpractice insurance".
Hence option D should be correct.
Where am I wrong here ?
Hello
Harsh2111s,
Although your question is not for me, I would still like to help you understand what's actually going on with this question. So, let's look at what the sentence actually says:
A recent study has found that within the past few years, many doctors
had elected early retirement rather than
face the threats of lawsuits and
the rising costs of malpractice insurance.
So, a recent study shows that many doctors prefer to retire early than to face a few issues. Now, these issues have been divided into two -
the threats of lawsuits and the rising costs of malpractice insurance.The meaning of this sentence is fairly easy to understand. Grammatically, there are two lists in the sentence per the original sentence.
The first list:
had elected and
face - two verbs. Of course, the usage of the past perfect tense is incorrect because there is no sequence between these two actions. So, here we have the verb tense error really.
The second list:
the threats of lawsuits and
the rising costs of malpractice insurance. This list is perfect. No issues here.
So now, the structure of the first list changes slightly in Choices C, D, and E. In these choices the verb "have elected" is out of the list now.
In Choice D, the list is incorrect because "to retire" - the "to verb" phrase - is not parallel to "facing" - a verb-ing word.
Choice E is correct because "to retire" and "(to) face" is correct as these entities are perfectly parallel.
Hope this helps.

Thanks.
Shraddha