Many years ago I read a study which said people with significant disabilities, a.k.a. spinal cord injuries have to spend extra time interacting with or educating people in the insurance industry, with service providers, medical practitioners, insurance companies, anything having to do with healthcare.
I'm looking for a factor or a multiplier compared to AB being a 1. It's been a long time but I think this factor was 3 so it takes people with spinal cord injuries 3X times as long. You add this to the frequency of this having to be done. What is the real number?
KLD, you may know or know of a way to find out that information?