Background: Affective and somatic symptoms in girls and women arise within interacting biological, psychological, relational, and structural contexts. Premenstrual syndrome (PMS) and premenstrual dysphoric disorder (PMDD) are clinically recognized menstrual-cycle-related conditions, yet premenstrual language is also used socially to trivialize legitimate distress. Broader determinants—including menstrual stigma, reproductive transitions, unpaid care, violence, economic dependence, and health-care bias—remain insufficiently integrated in many clinical formulations. Objective: To clarify the clinical boundaries of PMS, PMDD, and premenstrual exacerbation; synthesize evidence on social determinants of affective-somatic distress across the life course; and propose a practical, non-diagnostic framework for menstrual-informed and gender-responsive assessment. Methods: A structured narrative search of PubMed/MEDLINE and the websites of major professional and public-health organizations was conducted for English-language literature available through July 2026. Search concepts included PMS, PMDD, premenstrual exacerbation, menstrual health, adolescent mental health, perinatal and menopausal mental health, gender norms, unpaid and cognitive care work, violence, child marriage, pain bias, and gender-responsive care. Priority was given to clinical guidelines, consensus statements, systematic reviews, and major epidemiological reports. No meta-analysis or formal certainty-of-evidence grading was undertaken. Synthesis: PMS and PMDD should be evaluated through symptom timing, postmenstrual remission, functional impairment, prospective daily ratings, and differential diagnosis. Hormonal sensitivity may influence vulnerability, but biological mechanisms do not invalidate the meaning of emotions or social stressors. Across the life course, symptom expression and access to care are shaped by menstrual stigma, body surveillance, unequal care responsibilities, reproductive-role expectations, violence, financial dependence, and differential credibility within health systems. These influences may coexist with, exacerbate, or be mistaken for menstrual and reproductive-stage disorders. Conclusions: Clinical assessment should distinguish established menstrual-cycle disorders from non-cyclical psychiatric, medical, and sociostructural sources of distress. The proposed concept of embodied female affective-somatic distress is a heuristic, not a diagnosis, intended to organize assessment of timing, reproductive stage, medical differential diagnoses, safety, care burden, and social context. Such an approach supports diagnostic precision while reducing both hormonal dismissal and social reductionism.