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Disability

A person is said to have a disability if they find it difficult or impossible to perform one or more activities of everyday living.

Until recently, little distinction was made between the physical or mental condition of a person and the difficulties they faced. However, over the past 20 years the social model of disability has been developed and has changed this perception. This model distinguishes between an impairment, meaning some ability is objectively less than average, and a deviation from the average. The latter is not defined by the person being better or worse than the mean, but rather is a problem due to either the attitude of society or the fact that standard facilities are based on the average (meaning there is a lack of tools and/or facilities).

For example, as recently as the 1960s, left-handedness was seen as an abnormality. In schools in the Western world, left-handed children were forced to write with their right hand and punished if they did not comply. By the 1980s, left-handedness was accepted as simply a difference, a physical characteristic. Yet if tools such as scissors and corkscrews are only available in their right-handed forms, a left-handed person finds themselves disabled: they are unable to perform certain tasks and must be assisted by another person.

Thus, in the social model of disability, the disability is caused by society and the physical environment. Someone who is unable to walk and needs a wheelchair has an impairment; however, the social exclusion they may experience (lack of accessible transport, no adapted public toilets, buildings which are inaccessible) is caused by their environment (and the social, political, and economic processes associated with the construction of that environment), not their physical condition.

The term accessibility, apart from having its general meaning, is in particular used to describe facilities or amenities to assist people with disabilities.

Discrimination of those disabled is sometimes termed ableism.

The term handicapped, in its origin, meant hand in cap, and had its origins in sport and gambling.

Some disabled persons apply the term tab for the "nondisabled", meaning "temporarily able-bodied".

Various attributive terms, such as "disabled", "blind", or "deaf", rather than "disabled persons", "blind persons", or "deaf persons", are considered objectionable by many persons because the former labeling seems to characterize a person by a single attribute. However, others use these terms as markers of pride in their identity, much like groups delineated by such titles as "Women", "Gay", and "Black". Still others prefer the term "differently-abled", while others see this particular term as an example of political correctness gone too far.

Many famous, creative and inspirational persons have lived with one or more disabilities while accomplishing remarkable things, including American president Franklin Roosevelt (impaired movement as the result of polio), classical composer Beethoven (deaf in later years), musician Stevie Wonder (blind), Def Leppard drummer Rick Allen (lost left arm in a car accident), civil rights activist Helen Keller (deaf and blind), Stephen Hawking (uses a wheelchair and is unable to speak), and many others.

Correct usage of terms

A person who has a physical or intellectual problem is said to be impaired; e.g., a person who has short-sightedness has a vision impariment.

If a person's impairment means they are unable to function in the same way as most people in that particular area, they are considered disabled; e.g., a person who has glaucoma doesn't have a full field of vision as most people and therefore has a visual disability.

If a person's disability means that they do not have access to the same things as the majority of people, they are considered handicapped; e.g., a blind person cannot see and is visually handicapped.

The above terms may not seem clear enough and may even seem to say the same thing. They are, however, very strict definitions when explained further.

If we take the person with short-sightedness, we can see that, with the aid of prescription glasses, they are no longer handicapped, for they can see properly with this aid. A person in a wheelchair is only handicapped whenever buildings do not have ramps or proper access for them. A person with six fingers on each hand may be physically impaired due to a birth defect, but this does not translate into a disability if they are still able to use their fingers as well as anyone else. Impairment refers specifically to the area of a medically defined defect. Disability refers to the impairment's effects in making the person unable to use their body in the same way as an able-bodied person. Handicap refers to the impairment's effects in making the person unable to do things that able-bodied people can do normally. In the latter case, the use of aids (like glasses, hearing aids, wheelchairs, ramps, etc) prevents the disabled person from being handicapped in certain areas.

See also

Further reading

  • "U. S. Counts One in 12 Children as Disabled", Washington Post, July 5, 2002

 

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Employee Security Insurance Services USA
Offers employee group and individual coverage in Term Life, Health, Disability, Accident, and many other special lines for firefighters and others.
http://www.esisusa.com

Wladis Companies, Inc.
Full-service broker and benefits consulting company. Provide businesses with employee benefit administration, health, dental insurance, 401-K and section 125 group retirement plans.
http://www.employeebenefitsplus.com/

The Hartford
Offers Stop Loss insurance. Site includes helpful information about Stop Loss coverage.
http://www.stoploss.hartfordlife.com/

LEM Insurance Services
Providing insurance and financial services for businesses and individuals also services employees benefits and life insurance for impaired risks.
http://www.lemsvcs.com/agency.html

Third Party Administrator - ProClaim
ProClaim, specialists in administration and management of self-insured benefit programs. Including HIPPA, COBRA and flex plans.
http://www.pro-claim.com

Group Disability
Short and long-term disability products.
http://www.libertymutual.com/business/disability/

Tribal Benefit Specialists
Benefit programs specifically designed for tribal governments and their employees.
http://www.portup.com/~wiitains

Insurance Benefit Services Inc.
Offers medical, dental, life, 401k, Bonds and employee benefits.
http://www.insurancebenefit.com

Arthur J. Gallagher
Designs and administers a full array of customized, cost-effective property/casualty and employee benefits programs.
http://www.ajg.com

Alliance Benefit Management Company
Provider of medical stop loss insurance for self-insured employers, group life insurance products, and utilization review.
http://www.abm-stoploss.com

Lohr & Associates
Life insurance and employee benefit plan consultants. Specializing in cheap term rates and low cost medical plans for small businesses.
http://www.insuraquote.com

Shildt Financial Services
Independent employee benefits insurance brokers and consultants with 40 plus years of service.
http://www.nvo.com/shildtfinancial

Benefits Consulting Group
Provide employee benefits and contract compliance services to federal contractors.
http://www.benefits1.net

ABC Benefits Group
Provides a full range of employee benefits including health, dental, life and disability insurance. They also provide "out of country" coverage, employee assistance programs and 401k pension plans.
http://www.abcbenefits.com

Legionnaire Insurance Trust
Group insurance that is only available to participating Legionnaires.
http://www.thelit.com

JLT Services Corporation
Services include insurance servicing and adjusting for employee benefits.
http://www.jltservices.com

L&J Insurance
Florida based insurance agency that offers employee benefit quotes throughout the United States.
http://www.lnjins.com

Independent School Management Insurance
Group insurance benefits including life, long term disability, long term care, health, and flexible compensation.
http://www.isminc.com/insure/insurance.html

Flexible Benefit Solutions
Independent insurance brokerage specializing in group benefits and voluntary insurance products.
http://www.flexiblebenefitsolutions.com

Assurance Benefits & Consulting, Inc.
Researching, servicing and securing employee benefits.
http://www.abc-incorp.com

National Risk Transfer
National provider of medical stop-loss insurance coverage for self-funded employer groups and Taft-Hartley multiemployer trusts.
http://www.nrtmgu.com

Weitz Financial Group
Employee benefit services.
http://www.weitzfn.com

Robbi Davis Agency, Inc.
Offers group benefits and managed care programs.
http://www.robbidavisagency.com/

Achieve Financial Services
Offers employee benefits including health, life and pension planning.
http://www.achievefinancial.com

Assent Insurance
Offers small group heatlh benefits.
http://www.assentinsurance.com

Master Consulting Group
Provides insurance for employees including vision, health, life, and dental.
http://www.masterconsulting.com/

Modern Concepts Insurance Marketing, Inc.
Employee benefits brokers and consultants. Products include Workers' Comp, medical, dental, vision, disability, and life.
http://www.modernconcepts.com/

American Worksite Marketing Group (AWMG)
A US national sales and marketing organization for employee benefit programs. It offers plans for life, health, dental, disability, and serious illness.
http://www.awmg.net/



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