11.   Beyond that, employers have to assess whether providing personal help is needed to ensure that disabled workers can perform the essential job functions.

12.   Federal appeals courts increasingly are divided over a question that could limit protections under a federal law that bans discrimination against disabled workers.

13.   Federal law says employers must provide reasonable accommodations to help disabled workers do their jobs.

14.   For instance, Clinton in his budget plan earlier this month proposed tax credits for individuals caring for elderly relatives, and credits for work expenses of disabled workers.

15.   He also sponsored a bill to give temporarily disabled workers job security and another that entitles plaintiffs to bring a discrimination case before a jury.

16.   In a recent case, he persuaded the Supreme Court that states may not be sued under federal law for discriminating against their disabled workers.

17.   In another instance, he struck a passage that set eligibility requirements for disabled workers applying for Medicaid.

18.   Last Tuesday, a divided court narrowed the ADA in employment cases by ruling that disabled state workers could not seek damages for discrimination under federal law.

19.   Most disabled people on Social Security, including disabled workers, receive cash benefits from the disability insurance program.

20.   No figures are available on the total number of disabled workers who have opted for self-employment.