An organization employs Bruce, a bilateral amputee, to work as a research analyst. When Marel, the organization's chief advisor, becomes aware of this, she argues that the organization is going to experience legal challenges. According to the Americans with Disabilities Act, which situation will strengthen Marel's argument?

The organization has a risk$-$based insurance in place before recruiting Bruce.

The organization plans to stop Bruce's benefits when he reaches the age of $50.$

The organization switched to a risk$-$based policy after hiring Bruce.

The organization gave Bruce access to the same health insurance that is provided to the other employees.

$$ The organization does not have a risk$-$based insurance.