bans “refusing the insurance subscription by a disabled person referred to in Article 2 of the Disability Anti-Discrimination.” Despite these efforts, however, people with disabilities have continued to be subject to the discriminatory practices of insurers at every step of their purchasing insurance. It is reported that insurers sometimes refuse to underwrite insurance policies for the disabled, cancel a policy before its expiration and even refuse to pay benefits, using the argument that the disabled people are likely to have accidents. It has been pointed out that such practices remain unchecked mainly because no detailed guidelines have been established as specific standards for identifying discrimination against people with disabilities. Moreover, insurers have no available medical and statistical data on the risk rates of the disabled even though they want to create underwriting criteria obtained after conducting a rational assessment of risk rates. As such, the Commission developed the Guidelines for the Correction of Discrimination against People with Disabilities in Insurance and recommended to the Governor of the Financial Supervisory Service that the insurance companies be managed and supervised so that they adhere to the guidelines. It was recommended to the Minister of Health and Welfare and the President of the National Health Insurance Service that the relevant medical and statistical research be done, the need for which has been emphasized (November 26, 2012). The guidelines also contain various cases that constitute discrimination against people with disabilities and relevant standards in the respective stages of underwriting, signing and maintaining contracts, and the payment of benefits. Moreover, matters related to the burden of proof and justifiable reasons were covered in detail. P. Recommendation to Improve the Performance Pay System for Teachers The NHRCK observed that teachers who used their maternity leave or paid nursing hours were disadvantageously treated in terms of the payment of their performance bonus. As such, the Commission recommended that the Minister of Education, Science and Chapter 1. Improvement of Laws, Regulations, Policies and Practices 53