According to experts in the disability community, 30.6 million individuals with disabilities as defined in the Americans with Disabilities Act, between the ages of 21 and 64, live in the United States now. According to the NDI, some of the following indices give a partial picture of their economic circumstances. *One out of every three adults with disabilities live in very low-income households (less than $15,000 annual income). *Only 7% of persons with disabilities own homes as compared to 70% of persons without disabilities. *Public assistance represents 59% of the total income of people with significant disabilities and only 8% of people who have no disability. *On a national level, 1.8 million Social Security Insurance recipients with disabilities between the ages of 18 and 64 have no banking relationship: 50.7% of recipients do not currently direct deposit their monthly checks. *Only 37% of adults with significant disabilities are participating in the nation's workforce. (National Health Interview Survey 2000) *People with disabilities earn substantially less than their non-disabled peers, roughly 72% to the dollar.