According to the Americans with Disabilities Act (ADA), Multiple Choice employers with no risk-based programs are in stronger positions. the terms of health insurance should not be a subterfuge to deny benefits to those with disabilities. employees with disabilities have greater access to health coverage than other employees with the same health coverage plan. employers who make changes after hiring employees with disabilities are in a stronger position. the terms and conditions of health insurance should not be based on risk factors.Which of the following is true about Social Security as a benefits program? Multiple Choice It does not require minimum earnings to be fully insured. It does not cover unemployment insurance. It is the only plan that requires no employee to meet any eligibility criteria. It covers mostly railroad and federal, state, and local government employees. It is entirely free from federal tax