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Here is a link to Wikipedia on ADA:
http://en.wikipedia.org/wiki/Americans_with_Dis...
Here is a link to the United States Access Board (many resources): http://www.access-board.gov/
If it were not for the Americans with Disabilities Act, most facilities open to the public would not have handicapped ramps. This would impede the lives of numerous US citizens (including our veterans). Accessibility is a right and therefore not subject to the good graces of churches, synagogues and charitable organizations.
My synagogue built a new home 5 years ago and we made (and continue to make) an effort to go beyond what is required by law in terms of accessibility. For a year or two, we had a member who used a motorized wheelchair due to cerebral palsy, an attorney with an impressive educational pedigree. Thanks to ADA, he was able to graduate from Yale and Harvard Law and function professionally. I was one of a small team of members who would drive to his condo building, pick up the keys to his accessible van, help him get into it, and drive him to and from shul and other functions. My friend has since moved to NYC for other reasons.
Ramps help everyone, not just people confined to wheelchairs. They make it a lot easier to load and unload materials and equipment.
And on one simple point, when it comes to the choice of Medicaid building an access ramp at someone's house or putting them in either a nursing home or assisted living (Does Medicaid even cover assisted living?), which do you think it best for the person involved and most cost effective?
But in any case, I agree that it is an important question to ask: why aren't private charities able to do enough? Is it lack of funding or lack of organization or both? For those who think, as I do, that the ideal way would be for private charities to take on the welfare functions currently run by the government if they could, it is more important to answer that question than it is to argue against government programs.