On Jan. 1, 2009, the Americans with Disabilities Act (ADA) was significantly and purposefully amended to broaden the number of employees who can claim to be disabled and seek ADA protection. In an unprecedented move, Congress discarded a series of U.S. Supreme Court decisions that effectively restricted ADA protection to a limited number of employees who truly were “disabled” (as defined under the ADA) instead of bestowing protection on virtually anyone with a physical or mental problem. Not any more. Under the ADA Amendments Act of 2008 (ADAAA), more individuals will likely be deemed disabled and will qualify for reasonable accommodations and protections from alleged discrimination. Additionally, because of the watered-down interpretation of disability, more lawsuits likely will be filed and covered employers (15 or more employees) will need to re-assess their reasonable accommodation practices. These changes will directly affect not only your customers' operations, but your own agency's human resources practices as well.

Ironically, the ADA's base definition of disability was untouched. An individual still must demonstrate he: a) has a physical or mental impairment that substantially limits one or more of his major life activities; b) has a record of such an impairment; or c) is regarded as having an impairment. The ADAAA critically alters the way the three crucial terms highlighted above within that definition will be interpreted, and establishes new standards that must be considered. If a qualified employee or applicant has a disability under A or B above, then the employer has a duty to accommodate that individual's actual disability if it would enable him to perform the essential functions of the job or permit him to enjoy equal employment opportunity. To determine whether a reasonable accommodation exists, or whether any accommodation would cause an undue hardship, the employer must participate in an interactive dialogue with the individual.

Recommended For You

Want to continue reading?
Become a Free PropertyCasualty360 Digital Reader

Your access to unlimited PropertyCasualty360 content isn’t changing.
Once you are an ALM digital member, you’ll receive:

  • Breaking insurance news and analysis, on-site and via our newsletters and custom alerts
  • Weekly Insurance Speak podcast featuring exclusive interviews with industry leaders
  • Educational webcasts, white papers, and ebooks from industry thought leaders
  • Critical converage of the employee benefits and financial advisory markets on our other ALM sites, BenefitsPRO and ThinkAdvisor
NOT FOR REPRINT

© 2025 ALM Global, LLC, All Rights Reserved. Request academic re-use from www.copyright.com. All other uses, submit a request to [email protected]. For more information visit Asset & Logo Licensing.