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by 4.510 consumers in 13 surveys. They received an average

Laportance rating of 86% and an average satisfaction rating of 37%.

Consuner-Identified Dimensions

There is an extreme shortage of accessible, affordable housing for people with disabilities.

• Eligibility requireaents and regulations keep some disabled

consumers, especially the nonelderly who live with fuily readers or attendants, from living in public or subsidized housing.

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Builders do not comply with existing laws, where laws exist, chat require building a certain percentage of accessible units.

Builders are unaware of laws, access codes, and modifications necessary for accessibility.

• Managers and directors of public housing ire unaware of, and

often indifferent to, the needs of disabled tenants.

Consumer-Generated Alternatives

Talk to owners if the sanager is uncooperative.

Disabled and low-income people should be able to rely on social service agencies for housing assistance.

cicies need more feedback from disabled consumers on housing needs of people with disabilities.

Local consumer groups can bring complaints to local housing authorities.

Consumers can be educated to be aware of tenant rights and caise soney to finance suits when necessary.

· Disabled residents should bacone fmiliar with codes, where

to file complaints where codes don't exist, and how to introduce legislation.

• Groups can obtain 202 and other HUD loans for accessible

housing and manage the housing units thenselves.

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Examine eligibility requirements for subsidized housing. Use net, not fross incone, as they did in Los Angeles.

• A consumer group in Los Angeles located two HUD projects in good

neighborhoods to lessen the likelihood of crine and inprove surroundings. The Telephone Pioneers donated money and labor to upgrade the structure.


• Establish subsidized housing adoinistered by occupants.' Provide

Incone subsidy within housing cooperatives.

Sono congunities in Minnesoto provide vouchers to subsidize rent for housing anywhere in the community.

Establish a referral network for accessible, affordable housing.

• Enforce existing laws, setting uide « certain number of units for

people with disabilities.

• Consumers need to educate building professionals and make

inforution available.

• Advocate for statewide legislation to encourage adaptability of


• Conswers need to lobby elected officius on lack of accessible


• Disabled community renbers need to get on housing boards.

• Educate disabled hoveowners about programs to help nodify their

hones for access and safety.


This issue refers to the availability and affordability of

auto, life, and liability insurance for people with disabilities.

This ita was selected us t ujor probler by 2.355 people completing

two surveys. It received an averuge inportance rating of 89% and an
average satisfaction rating of 35%.
Consumer-Identified Divensions

• Insurance preaiuas are noro expensive for people with disabilities.

• Insurance companies discrieinate based on disability. -Conswer-Generated Alternatives

Have a roup of disabled people discuss possible solutions with insurance companies regarding adequate prices.



One survey questions related to the allordability of health

Insurance was identified un.relative problen by 5.624 consumers in

2 surveys. It received an average inportance rating of 86% and an

average satisfaction rating of 38%.

Consumer-Identified Dinensions

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Disabled consumers cannot buy health insurance because of their disability and/or pre-existing conditions.

Disabled consumers cannot afford health insurance.

Health insurance often does not cover supplies, equipaent, regular nedications, or therapies used by disabled consumers.

• Inability to purchase individual health insurance and exclusion

fron sone group policies are serious disincentives to individuals with disabilities looking for work.

Consumer-Generated Alternatives

Consumer groups can advocate for national health insurance.

Disabled consurers can set up health insurance cooperatives as they did in Los Angeles.

Shared risk insurance is an option so consumers with disabilities and pre-existing conditions can get group Insurance.

Educate consumers about supplemental insurance available through groups such as MRP, professional associations, credit card holders' benefits, etc.

Publicize the fact that laws in some states (such as Missouri and Kansas) prohibit Insurance companies from discriainating against persons with disabilities.

Independent living centers can: train and assist consumers in filling out forns; challenge actions and policies of Medicaid, Medicare, and insurance coapanies; and assist in advocacy. coaplaints, and appeals processes.

Get information froa and aake use of the state Insurance conaissioner's office.



Three survey itens related to redio portrayal of people with

disabilities and their access to Information about services,

benefits, and progruas were selected u probleas. They were

selected as probleus by 7.547 conswers in 3 surveys. The itens

received an average laportance rating of 81% and an average

satisfaction rating of 39%.

Consuer-Identified Diaensions

• The sedie do not provide enough information about what is

available for disabled citizens.

• The redio portray people with disabilities in a negative and

unrealistic way. preferring the sensational or pitiful to the

everyday and human side of disability. Consumer-Generated Alternatives

Conswer groups should bring accessibility and independent living issues to the attention of the press.

• Consumers should ronitor coverage of disability issues.

• Consumers should educate the media to correct negative portrayals

and tersinology.
Consuper groups could meet with service providers about
developing u directory of services and programs for people with
disabilities that could be disseninated through the media.


Issues related to safe access to public places, including

availability of curb cuts, accessible entrances, and snow removal.

have been selected as aajor problens. Two related survey iteas were chosen by 204 consumers in 2 different surveys, with an average

Laportance rating of 81% and an average satisfaction rating of 48%.


Consuner-Identified Divensions

• Disabled citizens ir forced to stay hong or use the street,

because curb cuts and sidewalks are absent or inadequate, or in sono instances, snow is not renoved promptly.

Many public buildings are totally inaccessible or technically accessible with inadequate or unsale access.

Consuaer-Generated Alternatives

• Discuss among disabled consumers key areas that need to be sade


Make up a priority list of access and safety issues for each year.

Describe probleas in newsletters, and solicit opinions from other disabled community senbers.

• orfer rodification assistance to owners of inaccessible buildings

and appropriate governsent and social agencies.

• Orrer assistance to government agencies on ways to increase the

safety of streets and sidewalks.


Five survey itens related to information social agencies

provide to consumers about services and legal issues were selected

as major problems in 7 surveys. A total of 3.964 conswers

responded to these questions, with an average løportance rating of

88% and an average satisfaction rating of 50%.

Consumer-Identified Dieensions

• Social service agencies fail to inform disabled consumers about

all services available to the through their own agency, other agencies, or the community.

Benefits or services from one agency can livit benefits or services from another agency.

Most social service agencies are unaware of services available at other agencies.

Disabled people are referred from one agency to another, often encountering agencies unable to serve then or refusing services.


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