Basic disability literacy means that navigator organizations and Navigators themselves are aware of the elements of disability etiquette involving how to refer to and interact with people with disabilities. It also means that Navigators are aware of the need for physical accessibility of the offices where they meet with consumers and methods to ensure that communication with people with disabilities is effective both by telephone and in person. Disability literacy implies that navigator organizations have adequate internal, organizational capacity to provide accommodations when consumers request them or they are needed. In the context of the Marketplace, organizational disability literacy also involves being able to recognize the need for and identify the specific, unique health care services and benefits that people with disabilities may require, and the capacity to help them assess and understand their insurance options.

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