The Court ruled that Winslow was protected by the ADA and was treated differently by IDS because of her disability. Winslow v. IDS Life Ins. Co., 29 F. Supp. 2d 557 (D. Minn. 1998). It held that while disability-based distinctions in an insurance policy's terms are allowed under the ADA, a policy denying insurance coverage categorically to people with mental disabilities violates the law. The Court rejected IDS' argument that Title III of the ADA only applies to physical impediments to actual physical structures and stated that Title III should be interpreted broadly to embrace all impediments to full access to public accommodations lest protection for individuals with mental disabilities under the ADA be virtually negated by including only circumstances where a physical structure denied access to such individuals.
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