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Meg Chulufas

I'm glad to see this article, because it vindicates me in a recent situation. I'm just starting my daycare, and I was declined for insurance by one company because I would not indicate on the application that I would not care for a child with a disability. My agent didn't give me the name of the company, and I bought a policy from a different company, but I think that the insurance industry needs to make sure their underwriting rules are in line with federal law!

Tom Copeland

Unfortunately, insurance companies are not required to follow the ADA. In other words, they can discriminate against child care providers who do care for children with disabilities!

Jackie Johnson

What are my requirements if I am caring for a child whose father is a quadrapelegic? The entrance to my in-home daycare is not handicapped accessible.

Tom Copeland

You must provide reasonable accommodations. So, you would follow the same guidelines as I describe in my article about a child in a wheelchair. You don't have to spend thousands of dollars building a ramp.

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