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Terry, you are brave to come forward with your position and opinions. I am not going to take sides at this time, as tempting as it may be. It would not be fair, as I am not a PWP, nor an employer. I suggest a possible solution. What about all employers and employees sharing in the cost of No-Fault disability insurance coverage, purchased from the begining of a job and to retirement. The No-fault part would eliminate legal battles or arbitration which can be costly. There could even be coverage for the employer to pay for accomodations to keep the employeee working as long as possible. The majority of people with disabilities would rather be working and productive than to be a burden to the workforce. Of course, many employers will fight to keep expenses down and productivity as high as possible, and would rather pay lawyers to do this than pay out more for benefits. The no-fault insurance might save them money in the long run and attract better employees too. Maybe the Federal Govt. could give tax breaks to employers who participate. Ken B