DISABILITY SENSITIVITY GUIDE The Hands on Banking® Disability Sensitivity Guide provides information on increasing awareness among educators and instructors and provides communication strategies to create a more inclusive environment. Hands on Banking content was leveraged in the creation of these materials. National Disability Institute 1 Acknowledgements This guide was developed by National Disability Institute’s Training and Technical Assistance Team. National Disability Institute is a national research and development organization with the mission to drive social impact to build a better economic future for people with disabilities and their families. National Disability Institute’s Real Economic Impact (REI) Network is comprised of an alliance of organizations and individuals dedicated to advancing the economic empowerment of people with disabilities. The network consists of more than 4,500 partners in all 50 states. Members include nonprofits, community tax coalitions, asset development organizations, financial education initiatives, corporations and private-sector businesses, federal/state/local governments and agencies, and individuals and families with disabilities. All partners join forces to embrace, promote, pursue access to and the inclusion of people with disabilities in the economic mainstream. To learn more about how to make a Real Economic Impact, join us: www.realeconomicimpact.org. For more information about the guide, please send an email to: [email protected]. National Disability Institute would like to thank Wells Fargo for their support of the Disability Sensitivity Guide. 2 Disability Sensitivity Guide Financial Education Tools and Resources OVERVIEW OF HANDS ON BANKING® Hands on Banking®/El futuro en tus manos® Hands on Banking offers flexibility in the ways (handsonbanking.org/ndi) is a free, fun, information can be delivered in the American non-commercial financial education program Job Centers. The program includes individual available in both English and Spanish that resources and instructor guides with tools and teaches people, in all stages of life, about the detailed information on content, activities, and basics of responsible money management, tips on how to deliver the information. including how to create a budget, save and invest, borrow responsibly, buy a home, and Hands on Banking can be offered as a establish a small business. workshop or job seekers can access the online program, courses and more at handsonbanking.org/ndi Program Highlights • Available online with printed instructor guides; • Courses for kids, teens, young adults, and adults; • Financial fundamentals for entrepreneurs; • Personal finance lessons for members of the military, seniors, and their families; • Resources for individuals, educators, non-profits, and workplace • Available in English and Spanish; • Designed for individual or classroom learning; • Aligns with state and national education standards for mathematics, reading, and economics; • Free, non-commercial content; • Animated, interactive, and entertaining; and • Easy to navigate and fun to present. National Disability Institute 3 TABLE OF CONTENTS Persons with Disabilities: Service Animals 10 Understanding the Community 5 TIPS FOR INTERACTING WITH SERVICE ANIMALS AND THEIR OWNERS 10 Different Types of Disabilities 5 EXPECTED BEHAVIORS REGARDING EXAMPLES OF DIFFERENT TYPES OF SERVICE ANIMALS 10 DISABILITIES 6 MYTHS AND STEREOTYPES 6 Strategies to Make Your Workshop Accessible and Inclusive to Persons Effective Communication 7 with Disabilities 11 PEOPLE FIRST LANGUAGE 7 REASONABLE ACCOMMODATIONS 11 EFFECTIVE COMMUNICATION TIPS 7 More Information/Resources 11 TIPS FOR COMMUNICATING WITH SPECIFIC POPULATIONS 8 Accessibility Checklist 12 Tips for Communicating with Individuals Who Are Blind or Have Low Vision 8 Tips for Communicating/Interacting with Individuals Who Are Deaf/Hard of Hearing 8 Tips for Communicating with Individuals with Limited Mobility 9 Tips for Communicating with Individuals with Speech Disorders 9 Tips for Communicating with Individuals with Intellectual and/or Developmental Disabilities 9 4 Disability Sensitivity Guide DISABILITY SENSITIVITY GUIDE The Hands on Banking® Disability Sensitivity Guide provides additional information specific to adults with disabilities. Each of the topics and lessons provided in the Hands on Banking instructor guides are important topics for people with disabilities to learn as well. The disability community is very diverse. Some individuals with a disability may be employed, while others may rely on public benefits as their main sources of income. Some of the public benefits they receive might have limitations. Income, resource and savings limits often prevent individuals from enhancing their financial well- being and self-sufficiency as they concentrate efforts on retaining their benefits. New and existing programs are available to help people with disabilities develop skills in financial management and self-sufficiency. This guide provides information on increasing awareness among educators and instructors and provides communication strategies to create a more inclusive environment. An important characteristic of an effective instructor is being aware of diversity among the individuals to whom you are providing information. This supplemental guide will provide you with information, resources and tips on how to interact more effectively with people with disabilities, eliminate myths and increase awareness of this growing demographic. It is important to assure that persons with disabilities have the same experience in your training program as others. Persons with Disabilities: Understanding the Community The disability community itself is extremely diverse. According to the U.S. Census, one in five individuals in the U.S. have a disability. The Americans with Disabilities Act (ADA) defines a person with a disability as someone who: ¬ Has a physical or mental impairment that substantially limits one or more major life activities, ¬ Has a record of such an impairment, or ¬ Is regarded as having such an impairment. The ADA protects people who have disabilities as they live their lives, participate in education, apply for work and are hired as an employee of a business or are self-employed. People who have a disability are encouraged to have personal control over their finances and learn skills that help them to use safe and affordable financial services. All people have the right to save their money, make purchases and own assets such as computers, recreational equipment, vehicles and homes. It is important to note there are other definitions of disability for different purposes. However, the material in this supplemental guide is based on the ADA definition. Different Types of Disabilities The definition provided by the Americans with Disabilities Act provides a broad definition of who is protected and considered to be a person with a disability. Some individuals are born with a disability, while others may acquire their disability due to an accident, illness or as a part of the aging process. People with disabilities may have one or more areas in which their functioning is affected. A disability can affect hearing, sight, communication, breathing, understanding, mobility, balance, concentration or may include the loss of a limb. A disability may contribute to the way a person feels each day and affect their mental health. National Disability Institute 5 EXAMPLES OF DIFFERENT TYPES OF DISABILITIES Hearing ¬ May include a person who is deaf or hard of hearing Mobility ¬ May include a person who uses a wheelchair, cane or other assistive device Intellectual/Developmental ¬ May include a person who has Down syndrome, autism or cerebral palsy Visual ¬ May include a person who is blind or has low vision Speech / Communication ¬ May include a person who has Aphasia or a stutter Learning ¬ May include a person who has dyslexia or ADHD Mental Health/ Emotional Health Conditions ¬ May include a person who has bipolar disorder, depression or obsessive compulsive disorder Disability crosses all ethnicities, religions, social and financial backgrounds. KEEP IN MIND TIP: It is important to remember that persons with disabilities are PEOPLE first who have more in common with you than NOT and should be treated like everyone else. MYTHS AND STEREOTYPES We are all individuals with commonalities and differences and that is true for persons with disabilities as well. As an instructor, it is important to remember to not show pity or put an individual up on a pedestal – everyone should be treated as equals regardless of one’s abilities. When working with people with disabilities, it is important to avoid stereotypes. To debunk common stereotypes and myths, below are some key items to note about persons with disabilities: ¬ Persons with disabilities are all ages, come from diverse cultures and financial backgrounds. ¬ People with disabilities work. ¬ People with disabilities have families. ¬ Not all persons with disabilities are on or receive benefits such as SSI, Medicaid, etc. ¬ People with disabilities have goals and dreams. ¬ All people with disabilities do not necessarily want or need assistance. ¬ People who are blind or have low vision may wear glasses. ¬ People who are deaf may use their voice and may be able to read lips, but not all. ¬ Not all people who use wheelchairs are completely paralyzed – some may be able to walk short distances. ¬ Delayed or slow speech is not necessarily a sign of a slowed mental process. ¬