Under the Americans with Disabilities Act, Which Employer Is Most

Under the Americans with Disabilities Act, which employer is most likely to face legal challenges?

A) an employer who switches to a risk-based policy after hiring a disabled employee
B) an employer who sets guidelines for using waivers
C) an employer who discriminates against workers over age 40 in providing pay or benefits
D) an employer who has risk-based insurance and then hires an employee with a disability
E) an employer who does not have risk-based insurance