According to an analysis of data gathered by the Families and Work Institute and the Society for Human Resource Management, several factors work against a prospective employee with a disability.

Premiums under the Patient Protection and Affordable Care Act are slated to increase by an average of 7.5 percent in 2015, according to preliminary analysis from PricewaterhouseCoopers Health Research Institute.

Traditionally, consumers in, well, traditional plans tend to be way more satisfied with their health plan than others with less traditional plans, such as a high-deductible health plan or a consumer-driven health plan.

Voluntary benefits (critical illness included) are increasingly becoming part a total employee compensation package.