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The Americans with Disabilities Act (ADA) just turned 30 years old. I’d like to talk about what this has meant for American workers and their employers, how it has influenced the workplace, and how the ADA has impacted and transformed the disability insurance industry.

The ADA actually has five separate titles to prevent and remedy discrimination against individuals with disabilities. These cover a variety of contexts, including employment (Title I), public services (Title II), places of public accommodation (Title III), telecommunications (Title IV), and the catch-all miscellaneous protections of Title V, which include prohibition of retaliation against someone who assists another in asserting their rights under the ADA. Most of our experience as a disability provider falls under the employment provisions of Title I.

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