Disabilities Don't Raise Insur...( pting print materials or using a reader...)

Disabilities Don't Raise Insurance Costs

pting print materials or using a reader to assist the learning disabled and vision impaired. More than half welcomed more information, however, especially on how to accommodate employees with mental health problems.

A full 87 percent of the respondents said that insurers did not deny health, life and long-term disability coverage to company employees or dependents with disabilities nor were the policies subject to limitations or exclusions. Eighty-one percent of the respondents reported that their organizations never had an insurer refuse coverage to employees or dependents with disabilities, limit their coverage or exclude them from coverage; only 5 percent of those surveyed reported that insurers denied some benefits to employees with disabilities, with another 13 percent of those surveyed unsure whether benefits had ever been denied.

While wrongful firing was cited as the claim most frequently filed against employers by people with disabilities, encouragingly 71 percent of the respondents reported that their company had a grievance or dispute resolution process for dealing with disability and accommodation issues.

Also encouraging, 78 percent of the respondents said that their organization had a formal or informal disability management program and that it contributed to ADA implementation.

Collaborating with the Cornell group were researchers with the Society for Human Resource Management (SHRM), the Lewin Group and the Washington Business Group on Health. The four-year grant that is funding the study was awarded by the U.S. Department of Education's National Institute on Disability and Rehabilitation Research.

About 1,400 randomly selected members of SHRM in small, medium-size and large U.S. organizations were surveyed by telephone. The response rate was 73 percent, with 43 percent of the respondents working at organizations of fewer than 500 employees and 32 percent working at organizations of 2,500 employees or more.

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Contact: Linda Myers
lbm3@cornell.edu
607-255-9735
Cornell University News Service
5-Apr-1999

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