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The U.S. Equal Employment Opportunity Commission


     EEOC NOTICE
     Number 915.002 
     Date 2-12-97

     1. SUBJECT: EEOC Enforcement Guidance on the Effect of Representations
     Made in Applications for Benefits on the Determination of Whether a Person
     Is a "Qualified Individual with a Disability" Under the Americans with
     Disabilities Act of 1990 (ADA).

     2. PURPOSE: This enforcement guidance sets forth the Commission's position
     that representations made in connection with an application for disability
     benefits should not be an automatic bar to an ADA claim. 

     3. EFFECTIVE DATE: Upon receipt. 

     4. EXPIRATION DATE: As an exception to EEOC Order 205.001, Appendix B,
     Attachment 4, § a(5), this Notice will remain in effect until rescinded or
     superseded. 

     5. ORIGINATOR: ADA Division, Office of Legal Counsel

     6. INSTRUCTIONS: File after Section 902 of Volume II of the Compliance
     Manual. 

                                                      /S/
     ___________________             ___________________________________
     Date                            Gilbert F. Casellas
                                        Chairman



     Table of Contents

     Executive Summary

     Introduction 

     I. The ADA's Purposes and Standards Are Fundamentally Different from the
     Purposes and Standards of Other Statutory Schemes and Contractual Rights. 

           A.     Americans with Disabilities Act

                  1. Purposes
                  2. Standards

           B.     Other Statutory Schemes and Contractual Rights 

                  1. Social Security Act 
                  2. Workers' Compensation 
                  3. Disability Insurance Plans 

           C.     Analysis 

                  1. The ADA Definition of "Qualified Individual with a 
                     Disability" Always Requires an Individualized 
                     Assessment of the Particular Individual and the 
                     Particular Position; Other Definitions Permit 
                     Generalized Inquiries and Presumptions.

                  2. The ADA Definition of "Qualified Individual with a 
                     Disability" Requires Consideration of Reasonable 
                     Accommodation; Other Definitions Do Not Consider 
                     Whether an Individual Can Work with Reasonable 
                     Accommodation.

     II. Because of the Fundamental Differences Between the ADA and Other
     Statutory and Contractual Disability Benefits Programs, Representations
     Made in Connection with an Application for Benefits May Be Relevant to --
     but Are Never Determinative of -- Whether a Person Is a "Qualified
     Individual with a Disability." 

           A.     Representations Made in Connection with an Application for 
                  Disability Benefits Are Not Determinative of Whether a 
                  Person Is a "Qualified Individual with a Disability." 

                  1. Judicial Estoppel 
                  2. Summary Judgment 

           B.     A Determination of What, if Any, Weight to Give to 
                  Representations Made in Support of Applications for 
                  Disability Benefits Depends on the Context and Timing of 
                  the Representations.

                   1. Context 
                   2. Timing 

     III. Public Policy Supports the Conclusion that Representations Made in
     Connection with an Application for Disability Benefits Are Never an
     Absolute Bar to an ADA Claim. 

           A.     Permitting Individuals to Go Forward with Their ADA Claims 
                  Is Critical to the ADA's Goal of Eradicating 
                  Discrimination Against Individuals with Disabilities. 

           B.     Individuals Should Not Have to Choose Between Applying for 
                  Disability Benefits and Vindicating Their Rights Under the 
                  ADA.

     IV. Instructions to Investigators 

     Executive Summary: Enforcement Guidance on the Effect of Representations
     Made in Applications for Benefits on the Determination of Whether a Person
     Is a "Qualified Individual with a Disability" Under the Americans with
     Disabilities Act of 1990 (ADA or Act)

                        --------------------------------

     Introduction

           This Enforcement Guidance explains why representations about the
     ability to work made in the course of applying for social security,
     workers' compensation, disability insurance, and other disability benefits
     do not bar the filing of an ADA charge.  It provides instructions to EEOC
     investigators for assessing what weight, if any, to give to such
     representations in determining whether a charging party (CP) is a
     "qualified individual with a disability" for purposes of the ADA. 

           A "qualified individual with a disability" is "an individual with a
     disability who satisfies the requisite skill, experience, education and
     other job-related requirements of the employment position such individual
     holds or desires and who, with or without reasonable accommodation, can
     perform the essential functions of such position."  Because of the
     fundamental differences in the definitions used in the ADA and the terms
     used in disability benefits programs, an individual can meet the
     eligibility requirements for receipt of disability benefits and still be a
     "qualified individual with a disability" for ADA purposes.  Thus, a
     person's representations that s/he is "totally disabled" or "unable to
     work" for purposes of disability benefits are never an absolute bar to an
     ADA claim. 
 

     Americans with Disabilities Act 

           The definition of the term "qualified individual with a disability" 
     reflects the ADA's broad remedial purpose to prohibit discrimination
     against individuals with disabilities who want to work and are qualified
     to work.  Accordingly, the definition: 
 

           • requires an individualized assessment of a particular individual's
             capabilities; 

           • focuses on the essential functions of a particular position; 

           • looks at particular positions, not work in general; and

           • considers whether a person can work with reasonable 
             accommodation.

           The ADA definition of "qualified individual with a disability"
     differs from the definitions used in the Social Security Act, state
     workers' compensation laws, disability insurance plans, and other
     disability benefits programs designed for different purposes. 
 

     Social Security Act 

           Disability programs established under the Social Security Act are
     designed to provide income to individuals with disabilities who generally
     are unable to work.  Unlike the ADA definition of "qualified individual
     with a disability," the Social Security Administration (SSA) definition of
     "disability": 
 

           • permits general presumptions about an individual's ability to 
             work;

           • considers all tasks as jobs are customarily performed without 
             focusing on the essential functions of a particular position;

           • looks generally at whether an individual can do work which 
             exists in the national economy rather than  whether s/he can 
             perform the essential functions of a particular position; and

           • does not consider whether a person can work with reasonable 
             accommodation. 

     Workers' Compensation Laws

           The purpose of workers' compensation laws is to provide benefits to
     individuals whose earning capacity has been reduced because of a
     work-related injury or illness.  Unlike the ADA definition of "qualified
     individual with a disability," the workers' compensation definitions of
     "disability" generally: 

           • permit generalized presumptions about an individual's ability 
             to work; 

           • do not distinguish between marginal and essential functions; 

           • focus on whether an individual is unable to do any kind of work 
             for which there is a reasonably stable employment market rather 
             than whether s/he can perform the essential functions of a 
             particular position; and

           • do not consider whether an individual can work with reasonable 
             accommodation.

     Disability Insurance Plans

           Disability insurance plans provide partial wage replacement when an
     employee becomes unable to work as a result of illness, injury, or
     disease.  Frequently, the definitions of "disability" under such plans: 

           • do not distinguish between essential and marginal functions of 
             a position; and

           • make no allowance for an individual's ability to work with 
             reasonable accommodation.
 

     Relevant Factors for Determining Whether CP Is a "Qualified Individual
     with a Disability" 

           When assessing the effect of representations made in connection with
     an application for benefits on the determination of whether CP is a
     "qualified individual with disability," investigators should consider the
     following factors: 

           • the definitions of terms such as "disability," "permanent 
             disability," "total disability," "inability to work," etc., 
             under the relevant statute or contract pursuant to which CP 
             applied for disability benefits  (e.g., do they look at 
             specific positions or general kinds of work? do these terms 
             take into account reasonable accommodation?);

           • the specific content of the representations, who made them, and the
             purpose for which they were made;

           • whether the representations are in CP's own words;

           • whether the representations about CP's inability to work are 
             qualified in any way (e.g., "I am able to work with certain 
             restrictions");

           • when the representations were made, the period of time to which 
             they refer, and whether CP's physical or mental condition has 
             changed since the representations were made;

           • whether CP was working during the period of time referred to as 
             a period of total disability; 

           • whether the employer suggested that CP apply for benefits;

           • whether CP asked for and was denied reasonable accommodation;

           • when the employer learned of the representations; and

           • other relevant factors, such as advances in technology or 
             changes in the employer's operations that may have occurred 
             since representations were made that may make it possible for 
             CP to perform the essential functions of the position, with or 
             without reasonable accommodation.
 
 
 

     Enforcement Guidance: Effect of Representations Made in Applications for
     Disability Benefits on the Determination of Whether a Person Is a
     "Qualified Individual with a Disability" Under the Americans with
     Disabilities Act of 1990 (ADA)
 

     Introduction

           The Americans with Disabilities Act of 1990 (hereinafter ADA or
     Act)1 prohibits employers from discriminating against qualified
     individuals with disabilities in all aspects of employment.  To be
     protected by the ADA, a person must meet the definition of the term
     "qualified individual with a disability."2 A "qualified individual with a
     disability" is "an individual with a disability who satisfies the
     requisite skill, experience, education and other job- related requirements
     of the employment position such individual holds or desires, and who, with
     or without reasonable accommodation, can perform the essential functions
     of such position."3

           The issue of whether a person is a "qualified individual with a
     disability" arises when an individual brings an ADA claim alleging that
     s/he was subjected to an adverse employment action because of his/her
     disability.  For example, in many charges received by the EEOC,
     individuals claim that they were not hired or were fired because of
     disability even though they were able to perform the essential functions
     of the position at issue.  Often, the individual has requested but been
     denied a reasonable accommodation.  Frequently, the individual also has
     filed for disability benefits, sometimes at the suggestion of the
     employer, and has represented that s/he meets the relevant eligibility
     requirements (e.g., that s/he is "totally disabled" or "unable to work"). 
     In such cases, questions may arise as to whether the individual is barred
     from claiming that s/he is a "qualified individual with a disability"
     under the ADA.4

           This enforcement guidance explains why representations made in other
     contexts about the ability to work are not necessarily a bar to an ADA
     claim.5 In this regard, the guidance: 

           • analyzes the differences between the ADA's purposes and 
             standards and those of other statutory schemes, disability 
             benefits programs, and contracts;

           • discusses recent and significant court decisions that have 
             addressed this issue; 

           • explains why the doctrine of judicial estoppel and summary 
             judgment procedures should not be used to bar the ADA claims of 
             individuals who have applied for disability benefits;

           • delineates why public policy supports the Commission's 
             position; and

           • explains how to assess what weight, if any, to give to such 
             representations in determining whether an individual is a 
             "qualified individual with a disability" for purposes of the 
             ADA.
 
 

     I. The ADA's Purposes and Standards Are Fundamentally Different from the
     Purposes and Standards of Other Statutory Schemes and Contractual Rights. 

           The primary purposes underlying the ADA are the elimination of
     barriers that prevent individuals with disabilities from participating in
     "the economic and social mainstream of American life"6 and the provision
     of equal employment and other opportunities for persons with disabilities. 
     In addition, Congress enacted the ADA to provide legal remedies to
     individuals who have experienced discrimination on the basis of
     disability.7 Consistent with these goals, the ADA establishes specific
     standards for assessing whether an individual has a disability and whether
     s/he is a "qualified individual with a disability." 

           Because the ADA definitions of the terms "disability" and "qualified
     individual with a disability" are tailored to the broad remedial purposes
     of the Act, they differ from the definitions of the same or similar terms
     used in other laws and benefits programs designed for other purposes.  The
     definitions of the terms used in the Social Security Act, state workers'
     compensation laws, disability insurance plans, and other disability
     benefits programs are tailored to the purposes of those laws and programs. 
     Therefore, representations made under those laws and programs are not
     determinative of coverage under the ADA.  Although representations made in
     connection with an application for disability benefits may be relevant to
     such a determination, they are never an absolute bar to a finding that a
     person is a "qualified individual with a disability" for purposes of the
     ADA. 
 

           A.      Americans with Disabilities Act

                 1.      Purposes

           The ADA is a sweeping civil rights law designed "to provide a clear
     and comprehensive national mandate for the elimination of discrimination
     against individuals with disabilities."8 It also is designed "to provide
     clear, strong, consistent, enforceable standards addressing discrimination
     against individuals with disabilities."9

           In enacting the ADA, Congress made clear that "the Nation's proper
     goals regarding individuals with disabilities are to assure equality of
     opportunity, full participation, independent living, and economic
     self-sufficiency for such individuals."10 Congress found that many of the
     more than 43 million Americans with disabilities "continually encounter
     various forms of discrimination" and that this invidious discrimination
     "persists in such critical areas as employment. . . ."11 Unlike other
     discrete and insular minorities, however, individuals with disabilities
     "have often had no legal recourse to redress such discrimination."12 As a
     result, this discrimination and denial of equal employment opportunity
     have "cost[] the United States billions of dollars in unnecessary expenses
     resulting from dependency and nonproductivity."13

           Accordingly, Congress passed the ADA to enable individuals with
     disabilities to participate fully in all aspects of society, particularly
     employment.  Underlying the ADA is the recognition that equal employment
     opportunity is the only way that this country can accomplish its "proper
     goal" of ensuring economic self- sufficiency for individuals with
     disabilities.  It is this fundamental principle -- that individuals with
     disabilities who want to work and are qualified to work must have an equal
     opportunity to work -- that guides the Title I employment provisions of
     the ADA.14

           The definition of the term "qualified individual with a disability"
     reflects this principle and the broad remedial purposes of the ADA.  It
     focuses on what an individual with a disability can do, rather than on
     what s/he cannot do.15 In addition, reflecting the Act's focus on
     individual rather than group characteristics,16 the definition requires an
     individualized assessment of a person's abilities.  Moreover, the
     definition looks at whether an individual with a disability is qualified
     for the specific position at issue, not at whether s/he is qualified for
     work in general. 
 

                 2.      Standards

           Under the ADA, a "qualified individual with a disability" is 

           an individual with a disability17 who satisfies the requisite skill,
           experience, education and other job- related requirements of the 
           employment position such individual holds or desires, and, who, with 
           or without reasonable accommodation, can perform the essential 
           functions of such position.18

           The determination of whether an individual with a disability is
     "qualified" should be made in two steps.19 The first step is to determine
     if the individual has the education, training, skills, experience, and
     other job-related credentials for the position.  The second step is to
     determine whether the individual can perform the essential functions of
     the position held or desired, with or without accommodation.20 The purpose
     of this second step is to ensure that individuals with disabilities who
     can perform a position's essential or fundamental functions are not denied
     employment opportunities simply because they are not able to perform the
     position's marginal or peripheral functions.21

           The determination of whether a person is a "qualified individual
     with a disability" requires an individualized, case-by- case assessment of
     the specific abilities of the person, the specific requirements of the
     position that the person holds or desires, and the manner in which the
     person may be able or enabled to meet those requirements.22 The issue is
     whether a particular individual with a disability is qualified for a
     particular position, not whether the individual or a group of individuals
     with a disability is qualified for a class of positions.23

           Further, the definition of the term "qualified individual with a
     disability" expressly requires consideration of whether the individual can
     perform essential functions with reasonable accommodation.  The ADA
     requires employers to provide reasonable accommodation to the known
     physical or mental limitations of otherwise qualified individuals with
     disabilities unless doing so would result in undue hardship.24 This
     reasonable accommodation requirement is critical to achieving the goals of
     the ADA.25

           In general, a reasonable accommodation is any change in the work
     environment or in the way things are customarily done that enables an
     individual with a disability to enjoy equal employment opportunities.26
     Some of the most common accommodations an employer may be required to
     provide are job restructuring, part-time or modified work schedules,
     modifications of equipment or devices, and other similar accommodations.27

           The assessment of whether an individual with a disability is
     qualified should be based on the capabilities of the individual with a
     disability at the time of the employment decision.  It should not be based
     on speculation that the individual may become incapacitated in the
     future.28
 

           B.      Other Statutory Schemes and Contractual Rights
 

                 1.      Social Security Act

           The Social Security Act establishes a social insurance program
     designed to provide guaranteed income to individuals with disabilities
     when they are found to be generally incapable of gainful employment.  Its
     purpose is to provide a basic level of financial support for people who,
     because of disability, cannot support themselves.  In adding disability as
     a basis for benefits administered by the Social Security Administration
     (SSA) in 1956, Congress recognized society's obligation to provide
     assistance to people whose disabilities prevent them from achieving
     economic self-sufficiency.29

           The SSA definition of the term "disability," therefore, reflects the
     obligation to provide benefits to people who generally are unable to work. 
     As a result, the definition focuses on what a person cannot do and on
     whether s/he cannot find work in the national economy in general. 

           To receive SSA disability benefits, an individual must prove that
     s/he is disabled under the Social Security Disability Insurance (SSDI) or
     the Supplemental Security Income (SSI) program.30 The essential
     requirement for both programs is that the claimant be unable to engage in
     "any substantial gainful activity by reason of any medically determinable
     physical or mental impairment which can be expected to result in death or
     which has lasted or can be expected to last for a continuous period of not
     less than 12 months."31 Under the statute, a person is entitled to
     disability benefits if his/her impairment is "of such severity that [s/he]
     is not only unable to do [his/her] previous work but cannot, considering
     [his/her] age, education, and work experience, engage in any other kind of
     substantial gainful work which exists in the national economy."32

           The SSA itself, however, recognizes that an individual may be found
     to be unable to engage in substantial gainful activity and yet still may
     be able to work in a particular position.  Although the SSA program is
     designed to provide a guaranteed income to individuals who are found to
     meet SSA disability eligibility criteria, Congress has recognized the
     importance of encouraging individuals with disabilities to work whenever
     possible.33 Accordingly, the Social Security Act contains numerous work
     incentive provisions.  For example, the SSA has a trial work period that
     allows beneficiaries to work for nine months while their benefit
     entitlement and payment levels remain unchanged.34 Similarly, the SSA has
     an extended period of eligibility that provides individuals who return to
     work with benefits in any month in which earnings fall below a statutory
     level.35 Thus, even the SSA does not view a person who meets its
     definition of "disability" as someone who is totally unable to work. 

            To determine if an individual meets the SSA definition of
     "disability," the SSA uses a sequential evaluation process.36 This
     five-step process requires the SSA to ask the following questions: 

           (1) Is the claimant currently engaging in "substantial gainful 
               activity"?37 (If the answer is yes, the claim is denied; if 
               the answer is no, the claim continues to the next step.)

           (2) Does the claimant have a "severe" impairment?  (If the answer 
               is no, the claim is denied; if the claimant has an impairment 
               that significantly limits his/her ability to work -- that is, 
               it is "severe" -- the claim continues to step 3.) 

           (3) Does the claimant have an impairment that is equivalent to 
               any impairment the SSA has listed as so severe that it 
               automatically precludes substantial gainful activity?  (If 
               the claimant has an impairment that is medically the 
               equivalent of a listed impairment, the claimant is presumed 
               disabled by the SSA and benefits are granted; if the claimant 
               does not have a listed impairment, the claim proceeds to step 
               4.)

           (4) Does the impairment prevent the claimant from performing 
               his/her "past relevant work"?38 (If the claimant can perform 
               his/her past relevant work, the claim is denied; if the 
               claimant cannot perform such work, the claim continues to 
               step 5.)

           (5) Does the impairment prevent the claimant from performing any 
               other type of work? (If the SSA determines that the claimant 
               is able to perform other work which exists in the national 
               economy,39 the claim is denied; if the SSA determines that 
               the claimant is unable to perform any work, considering 
               his/her age, education, and past work experience, benefits 
               are granted.)

            The SSA acknowledges the differences between its standards and
     those of other statutory schemes.  In that regard, SSA regulations note
     that a decision by any other entity about whether an individual is
     disabled is based on the other entity's rules and may not be the same as
     the SSA's determination, which is based on social security law.40

           The SSA definition of "disability" is inherently different from the
     ADA definition of "qualified individual with a disability."  First,
     whereas the ADA always requires an individualized inquiry into the ability
     of a particular person to meet the requirements of a particular position,
     the SSA permits general presumptions about an individual's ability to
     work.  In that regard, the SSA considers some conditions to be
     presumptively disabling.  If a claimant has an impairment that is
     medically the equivalent of a listed impairment, then the SSA presumes
     that the disorder is so severe as to prevent the claimant from doing any
     substantial gainful activity, without considering his/her age, education,
     and past work experience.41 Thus, an individual can have a "disability"
     under the SSA definition and yet in fact still be able to work. 

             Second, in determining whether a person meets the SSA definition
     of disability, the SSA looks at the customary requirements of jobs as
     usually performed in the national economy without focusing on the
     essential functions of a particular position.42 All tasks required to
     perform the job are considered with no distinction made between
     fundamental and peripheral functions.43 Thus, a person who is able to
     perform the essential functions of a particular position, but not the
     marginal functions, may be found to be unable to work and eligible for
     disability benefits.  Accordingly, the SSA's determination that a person
     is unable to engage in any substantial gainful activity in the national
     economy does not mean that there is no job the person can perform.  The
     person still may be able to perform the essential functions of a
     particular position. 

           Third, unlike the ADA definition, the SSA definition does not
     consider whether the individual can work with reasonable accommodation. 
     An SSA interpretative guidance addressing the effect of the ADA on SSA's
     disability determination process states,

     The fact that an individual may be able to return to a past relevant job,
     provided that the employer makes accommodations, is not relevant to the
     issue(s) to be resolved. . . .  [H]ypothetical inquiries about whether an
     employer would or could make accommodations that would allow return to a
     prior job would not be appropriate.44

           Thus, the SSA may find that a person is unable to do any work which
     exists in the national economy even though s/he can work with a reasonable
     accommodation.45 In those instances, the person is both a person with a
     "disability" under SSA and a "qualified individual with a disability"
     under the ADA.  Accordingly, a person claiming to be disabled or found to
     be disabled under SSA programs still may be entitled to protection under
     the ADA. 
 

                 2.      Workers' Compensation

           The workers' compensation definitions of "disability" reflect the
     purposes of workers' compensation laws.  Those laws provide a system for
     securing prompt and fair settlement of employees' claims against employers
     for occupational injury and illness.46 In that regard, the laws generally
     require employers to compensate employees who are injured in the course of
     employment for the resulting loss of earning capacity and for medical
     care.47 Thus, workers' compensation provides benefits to individuals whose
     earning capacity has been reduced because of a work-related injury. 
     Because of the emphasis on lost earning capacity, the workers'
     compensation definitions of disability generally focus on what a person
     can no longer do rather than on what s/he still is capable of doing with
     or without reasonable accommodation. 

           To receive workers' compensation benefits, an employee generally
     must prove that s/he has a compensable "disability" as defined by the
     applicable workers' compensation statute.48 The term "disability" in this
     context most commonly means loss or reduction of earning power that
     results from a work-related injury.49

           Some statutes, however, do not define "disability" in terms of lost
     earning capacity.  Instead, under these statutes, an injured worker has a
     "disability" if his/her physical efficiency has been substantially
     reduced, or if s/he is unable to perform the same work with the same ease
     as before the injury or is unable to do heavy work that s/he could do
     before the injury.50 Under these statutes, the worker has a "disability"
     even if s/he is employed at the same work and at the same wages as before
     the injury. 

           Although workers' compensation laws vary from state to state, the
     typical statute ordinarily provides the following four classifications of
     disability, determined by duration (i.e., permanent or temporary) and
     severity or extent (i.e., partial or total): temporary partial, temporary
     total, permanent partial, and permanent total.51 Generally, a disability
     is partial rather than total where the claimant is still capable of
     gainful employment, even though the disability is found to prevent the
     claimant from returning to his/her former employment.  Conversely, a
     worker generally is considered "totally disabled" when the injury is found
     to render the worker temporarily or permanently unable to do any kind of
     work for which there is a reasonably stable employment market.52

           Unlike the ADA, which always requires an individualized inquiry into
     the ability of a particular person to meet the requirements of a
     particular position, some workers' compensation statutes presume that some
     conditions are so severe as to prevent the claimant from doing any kind of
     work.  In such instances, a claimant does not have to make any
     representations about ability to work and need not show a loss of earning
     capacity to prove permanent total disability.  For example, under some
     workers' compensation statutes, a person who has lost vision in both eyes
     or has lost both arms or legs may have a "permanent total disability" and
     be deemed to be unable to work.53 Such a person, however, clearly can
     perform the essential functions of many positions with or without
     reasonable accommodation. 

           Moreover, unlike the ADA definition of "qualified individual with a
     disability," the workers' compensation definitions of "disability" do not
     distinguish between marginal and essential functions and do not consider
     whether an individual can work with reasonable accommodation.  In many
     workers' compensation cases, a person has a "total disability" when s/he
     is unable to do certain tasks, even if those tasks are marginal functions
     or if s/he could perform them with reasonable accommodation.  Thus, a
     person may be "totally disabled" for workers' compensation purposes and
     yet still be able to perform a position's essential functions with or
     without reasonable accommodation. 

           Similarly, a person can receive workers' compensation benefits for a
     temporary total disability from which she is expected to recover if,
     during the time of incapacitation, s/he is unable to perform his/her
     duties in the occupation in which s/he was employed at the time of
     injury.54 The person is found to have a "temporary total disability" even
     if the duties s/he cannot perform are marginal functions or s/he could
     perform duties with reasonable accommodation. 

           Further, some statutes permit a finding of "total disability" where
     a person can work but the work that s/he can do is of such limited
     availability that a reasonably stable and continuous market for such labor
     does not exist.55 Thus, a determination under a workers' compensation
     statute that a person cannot do any kind of work for which a reasonably
     stable employment market exists, and therefore is totally disabled, does
     not necessarily mean that there is no job that the person can perform. 
     Accordingly, an individual receiving workers' compensation benefits still
     may be entitled to protection under the ADA. 
 

                 3. Disability Insurance Plans

           Many employers offer disability insurance plans to their employees
     as benefits of employment.56 Receipt of benefits pursuant to such plans is
     a contractual, rather than a statutory, right.  The purpose of disability
     insurance plans is to provide partial wage replacement when an employee
     becomes unable to work as a result of illness, injury, or disease.57 As a
     result, the plans' definitions of "disability" focus on individuals'
     inabilities rather than abilities. 

           To receive disability benefits, an individual must meet the
     eligibility requirements outlined by the terms of the contract (i.e.,
     insurance policy).  Disability insurance plans usually require that an
     individual have been employed for a set period and that s/he be
     "disabled."  Disability benefits often are paid on a "residual" basis,
     meaning that they are payable in proportion to the earnings lost as a
     result of the disability.  Benefits may be limited to "total disability,"
     meaning generally that the insured is unable to perform any of the duties
     of his/her own occupation or any other type of remunerative work, or may
     be payable for "partial disability," where the insured is unable to
     perform one or more functions of his/her regular job. 

           The definition of "disability" depends on what the contract states
     and varies from contract to contract.  Generally, "disability" is defined
     as the incapacity to perform one or more duties of the insured's regular
     occupation. 

           When assessing an individual's ability to perform job duties,
     disability insurance plans frequently do not distinguish between essential
     and marginal functions.  For example, under one typical contract, an
     employee may be considered "totally disabled" if s/he is "unable to
     perform the duties of the job [s/he] held when [s/he] became disabled or
     any comparable job within [the company]."58 Under this definition, an
     individual who could perform the essential, but not all the marginal,
     functions of a position would be considered "totally disabled."  Some
     plans, however, may acknowledge the relative importance of different
     duties.  Thus, one plan defined "total disability" as the inability of an
     individual "to perform the material and substantial duties of his or her
     own job during the Benefit Waiting Period plus the next 24 months . . .
     due to Injury or Sickness which requires regular care of a Physician."59
     Whether a contract's definition of "disability" distinguishes between
     essential and marginal functions is a key consideration when comparing a
     plan's definition of "disability" to the ADA definition of "qualified
     individual with a disability." 

           Another important consideration is whether the contract's definition
     of "disability" takes into account whether an individual can work with
     reasonable accommodation.  Frequently, the definition makes no allowance
     for an individual's ability to work with reasonable accommodation.60 In
     some cases, the definition expressly eliminates consideration of
     reasonable accommodations, such as modified or part-time work schedules.61
     For example, one disability plan defined a "totally disabled" individual
     as an employee "who is unable to perform the material duties of his/her
     job for the entire regularly scheduled work week as the result of illness
     or injury and requires the ongoing care of a physician. . . ."62 Under
     such a plan, an individual with a disability who is able to work only part
     time may be both "totally disabled" under the plan and a "qualified
     individual with a disability" under the ADA.  Accordingly, an individual
     receiving disability insurance benefits still may be entitled to
     protection under the ADA. 
 

           C.      Analysis

           Several important elements distinguish the definition of the term
     "qualified individual with a disability" under the ADA from the
     definitions of "disability" under other statutory schemes and contracts. 
     Because of these inherent differences, an individual may be able to meet
     the eligibility requirements for receipt of disability benefits and still
     be a "qualified individual with a disability" for ADA purposes.  That is,
     an individual may be "unable to work" for the purposes of a disability
     benefits program and yet still be able to perform the essential functions
     of a particular position with or without reasonable accommodation.63

           An individual's representations in connection with an application
     for disability benefits, therefore, do not preclude a determination that
     the individual is a "qualified individual with a disability."  Although
     the representations that an individual has made in support of his/her
     application for benefits may be relevant to such a determination, they are
     never an absolute bar to a finding that the individual is a "qualified
     individual with a disability." 
 

                 1. The ADA Definition of "Qualified Individual with a
     Disability" Always Requires an Individualized Assessment of the Particular
     Individual and the Particular Position; Other Definitions Permit
     Generalized Inquiries and Presumptions. 

           Unlike the definitions under other statutory and contractual
     schemes, which permit generalized inquiries, the definition of "qualified
     individual with a disability" under the ADA always requires an
     individualized inquiry into the ability of a particular person to meet the
     requirements of a particular position.64 The ADA inquiry into whether a
     person is a "qualified individual with a disability" looks at whether an
     individual can perform the essential functions of a particular position,
     not whether s/he is able to work in general.  Further, unlike the SSA and
     other statutory and contractual schemes, the ADA never presumes that some
     impairments are so severe as to prevent an individual from working.  To
     the contrary, the ADA presumes that individuals with disabilities can
     work.65

           The Seventh Circuit recognized this obvious and significant
     distinction in Overton v. Reilly, 977 F.2d 1190, 2 AD Cas. (BNA) 254 (7th
     Cir. 1992), when it ruled that a person could have a disability for SSA
     purposes and still be a "qualified individual with a disability" for
     Rehabilitation Act purposes.  The SSA had granted benefits to the Overton
     plaintiff, who had an emotional disability, on a trial basis shortly after
     he began working for the defendant.  The court made clear that the
     plaintiff's Rehabilitation Act claim of discriminatory discharge was not
     precluded by the SSA's decision to award him disability benefits. 

           In refusing to find that the plaintiff's receipt of benefits
     precluded his claim, the Seventh Circuit relied heavily on the fact that
     the SSA definition of disability permits generalized presumptions.  First,
     the court noted that "the SSA may award disability benefits on a finding
     that the claimant meets the criteria for a listed disability, without
     inquiring into his ability to find work within the economy."  977 F.2d at
     1196, 2 AD Cas. at 260.  This, the court found, was the basis for the
     plaintiff's receipt of benefits.  In addition, the Seventh Circuit
     emphasized that, "even if the SSA had looked into [the plaintiff's]
     ability to find work in the national economy, its inquiry would
     necessarily have been generalized."  Id.  Such a general inquiry, the
     court noted, may determine that a claimant is unlikely to find a job, but
     that does not mean that there is no work the claimant can do.  Thus, a
     determination of disability for SSA purposes "can hardly be construed as a
     judgment that [the plaintiff] could not do [the particular job at issue]." 
     Id. 

           Rather than be swayed by generalized presumptions, the Seventh
     Circuit looked specifically at the plaintiff's particular situation.  In
     so doing, the circuit court found that the plaintiff's actual, adequate
     performance of work for the defendant refuted the district court's
     assertion that the plaintiff had not offered evidence that he could
     perform substantial gainful activity.  The Seventh Circuit therefore
     concluded that the plaintiff had presented a genuine issue of material
     fact whether he was a "qualified individual with a disability."  Id.  By
     refusing to bar the plaintiff's claim of disability discrimination, the
     Seventh Circuit recognized that the individualized inquiry mandated by the
     definition of "qualified individual with a disability" differs
     significantly from the generalized inquiry permitted under the SSA
     definition of "disability."  Id.;  see also Smith v. Dovenmuehle Mortgage,
     Inc., 859 F. Supp. 1138, 1141, 4 AD Cas. (BNA) 132, 135 (N.D. Ill. 1994)
     (holding that the SSA's decision to award disability benefits, based on
     its determination that the plaintiff could not find work in the economy,
     did not mean that he was not a "qualified individual with a disability"
     under the ADA, particularly since he found another position after being
     terminated by the defendant). 

           Similarly, a district court in the Second Circuit recognized the
     fundamental differences between the ADA's individualized approach and the
     SSA assessment.  In refusing to grant the defendant's motion for summary
     judgment, the court in Mohamed v. Marriott, 1996 WL 631687 (S.D.N.Y. Oct.
     30, 1996), emphasized that the SSA awarded the plaintiff benefits based on
     a "listed disability" (profound deafness) and did not inquire into his
     capability to work.  Id. at *6.  In that regard, the court noted that the
     plaintiff did not make any specific representations about his ability to
     perform the essential functions of the job from which he was terminated
     and, in fact, represented to the SSA that he continued to seek work. Id. 
     Like the Seventh Circuit, the Mohamed court refused to be swayed by
     generalized presumptions and looked at the plaintiff's particular
     situation. Noting that the plaintiff consistently had received positive
     evaluations and had no record of disciplinary actions prior to his
     termination, the court found that there was "ample evidence" that the
     plaintiff was capable of performing the essential functions of the job
     from which he was discharged. Id. at *5.  The court further concluded that
     barring the plaintiff's ADA claim based on the SSA's determination that he
     was eligible for benefits "would undermine the legislative policy of
     providing [persons with disabilities] with both protection against
     destitution and a genuine opportunity to participate fully in the job
     market."  Id. at *7. 

           The Third Circuit, in McNemar v. The Disney Store, Inc., 91 F.3d
     610, 5 AD Cas.(BNA) 1227 (3d Cir. 1996), however, ignored this fundamental
     difference between the ADA and SSA and failed to conduct the
     individualized inquiry mandated by the ADA definition of "qualified
     individual with a disability."  The McNemar plaintiff, who had AIDS,
     applied for and received SSA and state disability benefits after he was
     fired from his position of assistant manager.  He certified on his
     benefits application that he had become unable to work approximately five
     weeks before his discharge.  In affirming the district court's grant of
     summary judgment for the defendant, the Third Circuit found that it was
     irrelevant that AIDS is a presumptive disability that automatically
     renders a person "unable to work" for purposes of SSA benefits, since the
     plaintiff claimed that he was physically unable to work.  The court also
     rejected the argument that the ADA's standards and purposes are
     fundamentally different from the SSA's.  In reaching these conclusions,
     the court overlooked the fact that "unable to work" for SSA purposes does
     not mean unable to perform the essential functions of a particular
     position with or without reasonable accommodation. 

           The court's failure to acknowledge these inherent differences
     between the ADA definition of "qualified individual with a disability" and
     the SSA definition of "disability" is especially troubling here, where it
     is undisputed that the plaintiff was performing the essential functions of
     his assistant manager's position at the time of his discharge.  It
     therefore also should have been undisputed that the plaintiff met the ADA
     definition of "qualified individual with a disability" at the time of the
     alleged discrimination.  See Daffron v. McDonnell Douglas Corp., 874 S.W.
     2d 482, 486, 3 AD Cas. (BNA) 183, 187 (Mo. Ct. App. 1994)(based on the
     plaintiff's assertions that he was capable of performing his job duties
     and was, in fact, performing those duties until the day he was laid off,
     the court found that there was evidence that could establish that the
     plaintiff was capable of performing his duties, even though he filed an
     application for disability benefits). 

             Moreover, the McNemar defendant's asserted reason for the
     discharge was unrelated to the issues raised by the benefits application. 
     At the time of the discharge, the defendant maintained that the plaintiff
     was fired for theft; the defendant did not claim that the plaintiff's
     disability prevented the plaintiff from performing the essential functions
     of his position with or without reasonable accommodation.  McNemar, 91
     F.3d at 614, 5 AD Cas. at 1229.  In fact, the defendant consistently
     disavowed any reliance on the plaintiff's disability.  Since the plaintiff
     applied for disability benefits after his termination, the defendant
     obviously was unaware of the application when it decided to terminate him. 
     Accordingly, under these circumstances, the defendant should not have been
     permitted to use benefits information acquired after the adverse action to
     challenge whether the plaintiff was a "qualified individual with a
     disability."  Cf. McKennon v. Nashville Banner Pub. Co., 115 S. Ct. 879,
     885 (1995)(employer liability is determined solely by information
     available to employer "'at the time of the decision'").  For all these
     reasons, the Commission believes that McNemar was wrongly decided.66

           Other courts have recognized that the ADA's focus on a particular
     individual's ability to perform the essential functions of a particular
     position is different from disability benefits programs' definitions of
     "disability."  For example, in Pressman v. Brigham Medical Group
     Foundation, Inc., 919 F. Supp. 516, 5 AD Cas. (BNA) 609 (D. Mass. 1996),
     the court concluded that a physician who consistently claimed that he was
     "totally disabled" under his private disability insurance plan still could
     be a "qualified individual with a disability" with respect to the
     particular internist position for which he had applied.  In that case, the
     plaintiff, who had a heart disability, maintained that he was capable of
     performing the essential functions of the internist position even though
     he had a "total disability" for purposes of the insurance plan.  919 F.
     Supp. at 523, 5 AD Cas. at 613.  According to the plaintiff, the plan
     permitted him to receive total disability benefits as long as there were
     restrictions on his ability to practice his sub-specialty of cardiology. 
     919 F. Supp. at 522, 5 AD Cas. at 613.  Since there were genuine issues of
     material fact whether the definition of "total disability" under the
     plaintiff's disability plan meant that he generally was unable to practice
     medicine, or whether it meant that he specifically was unable "to conduct
     a solo practice with emergency room duties," the court denied the
     defendant's motion for summary judgment.  Id. 

           As Pressman, Mohamed, Smith, and Overton illustrate, the definitions
     under the SSA and other statutory and contractual schemes do not focus on
     whether a particular person can meet the requirements of a particular
     position.  As a result, an individual can both meet the requirements for
     disability benefits and be a "qualified individual with a disability" for
     purposes of the ADA. 
 
 

                 2. The ADA Definition of "Qualified Individual with a
     Disability" Requires Consideration of Reasonable Accommodation; Other
     Definitions Do Not Consider Whether an Individual Can Work with Reasonable
     Accommodation. 

           Assessing whether a person can work with reasonable accommodation is
     a key part of determining if the person meets the ADA definition of the
     term "qualified individual with a disability."  Unlike the ADA definition,
     however, the definitions of disability under the SSA, workers'
     compensation laws, and disability insurance plans do not consider whether
     a person can work with reasonable accommodation.67 Thus, a person may be
     deemed unable to work and be awarded disability benefits even though s/he
     can perform the essential functions of a particular position with
     reasonable accommodation. 

           Courts have recognized this important difference between the ADA
     definition of "qualified individual with a disability" and other
     definitions of "disability" or "totally disabled."  For example, in
     D'Aprile v. Fleet Services Corp., 92 F.3d 1 (1st Cir. 1996), the First
     Circuit reversed a district court's grant of summary judgment where the
     plaintiff had sought disability benefits after the defendant refused her
     request to work on a part-time basis.68 In D'Aprile, the plaintiff had
     unofficially worked part time (through the use of accrued vacation leave)
     for two months after the defendant denied her request to be converted to a
     part- time status.  After the plaintiff exhausted her vacation time, she
     submitted a doctor's note "stating that she was 'unable to work at this
     time and should be placed on disability.'"  Id. at 3.  The plaintiff then
     received disability benefits under an insurance plan that defined a
     "totally disabled" individual as an employee "who is unable to perform the
     material duties of his/her job for the entire regularly scheduled work
     week as the result of injury orillness . . . ."  Id. at 4-5. 

           The First Circuit found that the plaintiff's contention that she was
     unable to work because her employer had refused her request for a modified
     schedule was "entirely consistent with her claim to have been 'totally
     disabled' within the meaning of the policy."  Id. at 5.  Noting that the
     plaintiff asserted that she could work on a part-time basis and that she
     in fact had worked part time, the court found that there existed a genuine
     issue of material fact whether the plaintiff could have worked with
     reasonable accommodation.  In so doing, the court expressly ruled that the
     plaintiff's application for benefits "sheds no light on how [the
     plaintiff] would have fared had the accommodation been made."  Id. In
     addition, the D'Aprile court explicitly stated that August v. Offices
     Unlimited, Inc., 981 F.2d 576, 2 AD Cas. (BNA) 401 (1st Cir. 1992), does
     not stand for the broad proposition that a plaintiff who claims that s/he
     is "totally disabled" within the context of applying for disability
     benefits is barred from bringing an ADA claim but, rather, "stands for the
     narrow proposition that the plaintiff's ability to work with reasonable
     accommodation" is key in determining whether a person meets the ADA
     definition of "qualified individual with a disability."  Id. at 3.69 The
     Commission believes that D'Aprile is correct in recognizing that an
     individual can meet a disability benefits program definition of "totally
     disabled" and still be able to perform the essential functions of a
     particular position with reasonable accommodation. 

           Similarly, in Anzalone v. Allstate Ins. Co., 5 AD Cas. (BNA) 223
     (E.D. La. 1995), the court correctly recognized the differences between
     the ADA definition of "qualified individual with a disability" and a
     disability insurance plan's definition of "total disability" in refusing
     to grant defendant's motion for summary judgment.  The plaintiff in
     Anzalone applied for and received LTD benefits after the defendant had
     refused his request to work at home.  Noting that the plaintiff had
     consistently stated that he could perform the essential functions of his
     claims adjuster position with certain modifications, the court found that
     his receipt of disability benefits did not bar his ADA claim.  According
     to the court, the plaintiff's receipt of benefits was relevant -- but not
     dispositive -- evidence of whether the plaintiff could perform essential
     functions with or without reasonable accommodation.  Anzalone, 5 AD Cas.
     at 225.70 See also Ward v. Westvaco Corp., 859 F. Supp. 608, 615, 3 AD
     Cas. (BNA) 739, 745 (D. Mass. 1994) (in denying the employer's motion for
     summary judgment, the court found that there was a genuine issue of
     material fact whether the plaintiff would have been able to perform his
     job duties with reasonable accommodation); Patel v. Everett Industries,
     No. 88-BEM-0451 (Mass. Comm'n Against Discrimination Sept. 18,
     1996)(injured employee who received workers' compensation benefits was not
     precluded from proving that she was a "qualified individual with a
     disability" under state law where she did not claim that she was disabled
     from all work but only that she could not perform the heavy tasks to which
     she was assigned).71

           As Patel, Ward, Anzalone, and D'Aprile demonstrate, an individual
     can meet the eligibility requirements for disability benefits and still be
     able to perform the essential functions of particular positions with
     reasonable accommodation. 
 
 

     II. Because of the Fundamental Differences Between the ADA and Other
     Statutory and Contractual Disability Benefits Programs, Representations
     Made in Connection with an Application for Benefits May Be Relevant to --
     but Are Never Determinative of -- Whether a Person Is a "Qualified
     Individual with a Disability." 
 

           A. Representations Made in Connection with an Application for
     Disability Benefits Are Not Determinative of Whether a Person Is a
     "Qualified Individual with a Disability." 

            Because of the inherent differences in the definitions of the term
     "qualified individual with a disability" under the ADA and the terms used
     in the SSA, state workers' compensation laws, disability insurance plans,
     and other disability benefits programs, and because the ADA considers
     whether a person can work with reasonable accommodation, an individual can
     meet both the eligibility requirements for receipt of disability benefits
     and the definition of a "qualified individual with a disability" for ADA
     purposes.  Thus, a person's representations that s/he is "disabled" or
     "totally disabled" for purposes of disability benefits are not necessarily
     inconsistent with his/her representations that s/he is a "qualified
     individual with a disability."72 Accordingly, they should never be an
     automatic bar to an ADA claim.  Thus, for example, the doctrine of
     judicial estoppel should not be used to bar the ADA claim of an individual
     who has applied for disability benefits.  Similarly, granting summary
     judgment to bar such claims also is inappropriate.73
 

                 1.      Judicial Estoppel

           The common law doctrine of judicial estoppel prevents a party who
     has successfully maintained a position in one judicial proceeding from
     asserting a contrary position in another proceeding.  It is a "principle
     of fairness" designed to preserve the integrity of the judicial process. 
     18 C. WRIGHT, A. MILLER & E. COOPER, FEDERAL PRACTICE AND PROCEDURE § 4477
     at, 779-88 (1981).  "Judicial estoppel applies where a party tries to
     contradict in a second lawsuit his sworn statement in previous
     litigation."  Grant v. Lone Star Co., 21 F.3d 649, 651 n.2 (5th Cir.
     1994).  The doctrine protects the integrity of the judicial process by
     "minimiz[ing] the danger of a party contradicting a court's determination
     based on the party's prior position," thereby resulting in "inconsistent
     court determinations."  United States ex. rel. Am. Bank v. C.I.T. Constr.
     Inc., 944 F.2d 253, 258 (5th Cir. 1991).74

           As explained above, an individual who asserts that s/he is both
     "totally disabled" and a "qualified individual with a disability" has not
     necessarily made inconsistent representations.  Accordingly, the doctrine
     of judicial estoppel should not be used to prevent the individual from
     raising an ADA claim.  Thus, courts that have recognized the inherent
     differences between the definitions of "qualified individual with a
     disability" and "totally disabled" or "disabled" have refused to apply
     this doctrine to bar claims of disability discrimination.  See, e.g.,
     Smith v. Dovenmuehle Mortgage Co., 859 F. Supp. 1138, 4 AD Cas. (BNA) 132
     (N.D. Ill. 1994) (judicial estoppel inappropriate where genuine issue of
     material fact whether position that plaintiff with AIDS took before SSA is
     inconsistent with assertion that plaintiff is a "qualified individual with
     a disability"); Mohamed v. Marriott, 1996 WL 631687, at *6 (S.D.N.Y. Oct.
     30, 1996)("it would be inappropriate to invoke the fact-sensitive and
     limited doctrine of judicial estoppel to erect a per se bar to ADA
     protection for individuals who have also applied for and/or received [SSA]
     benefits"). 

           Generally, the doctrine of judicial estoppel applies only when an
     individual took his/her earlier position in a prior judicial proceeding. 
     See, e.g., Shell Oil Co. v. Trailer & Truck Repair Co., 828 F.2d 205,
     209-210 (3d Cir. 1987); Smith v. Travelers Ins. Co., 438 F.2d 373, 377
     (6th Cir.), cert. denied, 404 U.S. 832 (1971). However, in many cases, the
     individual has not made his/her representations before a judicial forum. 
     Accordingly, courts that have recognized the significant differences in
     judicial proceedings and administrative determinations have declined to
     apply judicial estoppel to bar claims of disability discrimination. See,
     e.g., Mohamed v. Marriott, 1996 WL 631687, at *7 (S.D.N.Y. Oct. 30,
     1996)("[t]he streamlined procedures giving rise to the SSA's determination
     of disability should, at a minimum, give pause to a court considering
     barring the courtroom door to a plaintiff alleging employment
     discrimination"); see also EEOC v. MTS Corp. d/b/a Supercuts, No. 94-1473
     LH/WWD (D.N.M. July 26, 1996)(the court noted that, even if the Tenth
     Circuit recognized judicial estoppel, it would not apply the doctrine to
     the facts of this case where the plaintiff completed his SSA application
     over the telephone).75

           Public policy considerations also preclude the application of
     judicial estoppel in the types of cases to which this guidance applies. 
     See Marvello v. Chemical Bank, 923 F. Supp. 487