For people with disabilities, assistive products and technologies hold promise for supporting entry or return to the workforce. But what products exist? And what funding sources and accommodations are available to help people acquire the appropriate products and use them in the workplace? Based on a report from the National Academies of Sciences, Engineering, and Medicine, this guide provides a broad overview of selected products and technologies in four categories—(1) wheeled and seated mobility devices; (2) upper extremity prostheses; (3) selected hearing technologies; (4) and communication and speech technologies—as well as available funding options.
Financial access to appropriate assistive products and technologies, as well as to qualified providers to evaluate, fit, train, and monitor people in their use, varies greatly across the United States. Coverage sources vary in their missions, their eligibility requirements, and the types of assistive products and technologies and related services they cover.
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There are many different kinds of wheeled and seated mobility devices, a number of which can be customized according to the user’s needs. These products can be divided into two broad categories: (1) manual devices, which are propelled by the user or an assistant; and (2) powered devices, which can have (a) manual steering with speed/braking control, (b) manual propulsion with power assist, or (c) power steering and speed/braking. There are many subgroups, options, and combinations within each category.
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A number of upper-extremity prosthetic devices are available to assist with gross and fine motor activities in complex combinations. Although selection of the appropriate device components is important, the comfort and fit of the socket, which is the framework that holds the device onto the remaining limb, directly affect individuals’ use of the device.
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Hearing assistive products and technologies and their benefits differ based on various factors, such as degree and type of hearing loss, specific daily needs, personal preferences, and financial considerations. Some devices may help overcome hearing difficulty in specific conditions, like listening at a distance, background noise, or highly reverberant rooms. Frequency modulation (FM) systems, infrared systems, and connectivity devices are assistive technologies that often work with hearing aids to improve hearing with auxiliary devices (e.g., phones, televisions, tablets, computers, and music players).
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These technologies generate or help restore speech using either specific medical equipment or more common technology like iOS or Android. The products below are divided into two main categories: (1) augmentative and alternative communication (AAC) technologies, which can help with functional communication when natural speech is limited; and (2) voice restoration devices, which help restore oral speech, often after head and neck cancer treatments.
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Medicaid is a joint federal–state program and the primary public health insurance program for people with low income. Currently, all 50 states, the District of Columbia, and five U.S. territories participate in Medicaid. Eligibility requirements and coverage of medical equipment, including assistive products and technologies, and related health care services vary from state to state.
Medicare is a federal health insurance program for eligible individuals aged 65 and older or who receive Social Security Disability Income (SSDI) payments and other qualified groups. Traditional Medicare (Parts A and B) and Part D provide a distinct group of benefits for eligible beneficiaries; Part C allows beneficiaries to receive their health care through private managed care organizations. Traditional Medicare pays only for wheelchairs needed for mobility-related activities of daily living within the home. It does not cover hearing exams, hearing aids, exams for fitting hearing aids, or services provided by audiologists. Speech-generating devices (SGDs) must be for the primary purpose of speech generation. Traditional Medicare will not fund laptops or tablets from any commercial source or separately purchased SGD software.
Special Education Programs may provide access to certain assistive products and technologies under the Individuals with Disabilities Education Act (IDEA). Students who qualify for special education services may receive assistive technologies that are needed to assist the student in achieving meaningful educational progress, remaining in the least restrictive setting, or being prepared for the transition to adult life. Typically the school system owns the device, however, so it has to be returned when the student transitions from the public school program.
State Vocational Rehabilitation (VR) Agencies are state agencies that receive federal funding to provide goods and services connected to a person’s vocational goal; that is, to prepare for, achieve, keep, or regain employment. VR agencies will not fund services of similar or comparable benefit that are available through another provider.
State Workers’ Compensation Programs are designed to compensate employees who are injured within the normal course of their employment. Eligibility and benefits vary by state, and in exchange for benefits, the employee gives up the right to sue the employer for negligence.
The U.S. Veterans Health Administration (VHA) is a comprehensive, integrated health care system that serves more than 8.9 million veterans each year. VHA provides beneficiaries with manual, customized manual, or powered wheelchairs when indicated; upper extremity prostheses, hearing aids, and AAC technologies; and associated clinical care. Generally care is delivered within VHA facilities, although programs are available to accommodate veterans who live far from such a facility.
Self-Pay refers to purchasing assistive devices with a person’s own money. Assistive products and technologies may cost thousands of dollars, which eliminates self-pay as a full payment option for many people.
Supplemental Security Income’s (SSI’s) Plan to Achieve Self-Support (PASS) is a program that allows a person who is eligible for SSI benefits to set money aside for any purpose tied to achieving the person’s occupational objective from a specific approved plan. The duration of the benefit is limited to that required to meet occupational objective, and only one PASS is allowed for the same work goal.
Achieving a Better Life Experience (ABLE) Accounts are tax-advantaged accounts that can be used to save funds for qualified disability-related expenses, including assistive technology and personal support services, of someone who is blind or disabled by a condition that began before the person’s twenty-sixth birthday. Combined contributions to the account cannot exceed the current year’s IRS gift tax-exempt amount.
State Alternative Financing Programs (AFPs) provide loans with low or reduced interest rates to finance assistive products and technologies for people with disabilities who meet the program criteria. AFPs can provide funding for assistive technologies when no other funding is readily available. Eligibility varies from program to program, and programs vary from state to state.
Charitable Programs at the national, state, or local level may be an option when public and other private funding sources will not cover an assistive product or technology. Information about organizations that fund or provide assistive technologies at little or no cost can be found on the internet.
Private Health Insurance encompasses any nongovernmental health insurance. Employers and individuals can contract with private health insurance providers to administer or to pay specified health care costs for eligible individuals. Types and plans vary considerably in price and benefits offered. Hearing aids often are not covered or coverage may be sold as an optional rider.
Private Disability Insurance may be individual- or employer-based and provides short- and long-term disability benefits (compensation and return-to-work) to people who are covered. Eligibility varies depending on the terms of the contract between the employer or individual and the insurance provider. Although disability insurance may cover assistive products and technologies that directly support work-related functioning and return-to-work, it typically does not provide products and technologies that people also need outside of the workplace.
To get the most benefit from assistive products and technologies, people require the appropriate devices for their needs, proper fitting of and training in the use of these devices, and appropriate follow-up care.
Environmental (e.g., aspects of a particular building), societal (e.g., workplace attitudes), and personal factors (e.g., education) also play an important role in allowing a person to participate in certain types of activities, such as employment. For instance, someone who uses a wheelchair may need special transportation and a wheelchair-accessible environment.
Workplace Reasonable Accommodations are modifications to a job application process, a work environment, or the way work is usually performed that permit someone to apply for a job, to perform the essential functions of the job, and to enjoy all of the privileges of employment. Although employers are not required under the Americans with Disabilities Act (ADA) to provide personal-use items (e.g., wheelchairs, prosthetic limbs, hearing aids) if they also are needed off the job, they must otherwise make reasonable accommodations for qualified individuals with disabilities if requested and if the accommodations do not pose an undue hardship for the employer. Many such accommodations can be made at little or no cost. The Job Accommodation Network is a service of the U.S. Department of Labor that provides free, expert, and confidential guidance on workplace accommodations and disability employment issues.
The report of the National Academies of Sciences, Engineering, and Medicine outlines the conditions needed to maximize the benefits of assistive products and technologies and the extent to which they may help people with disabilities to enter or return to the workforce.
The information presented here is intended solely as reference material and should not be used as a substitute for the medical advice of or treatment by a health care professional. The illustrations presented are intended to be generic representations of a device within each of the depicted categories. They are not meant to represent or endorse any specific product or manufacturer.