Abstract
The International Classification of Functioning, Disability and Health (ICF) is discussed as being relevant to research and service delivery for women with disabilities. The personal meaning a disability has for a woman is shaped largely by Personal Factors. These, in turn, have historically been affected strongly by Environmental Factors such as culture and attitudes. Too often both Personal Factors, and how they are shaped by Environmental Factors, are not adequately addressed in our intervention programs. The interaction of Personal and Environmental Factors is illustrated by examples from the technology use and non-use literature.