; (B) an older adult; (C) an individual with limited English proficiency; (D) an individual with limited access to transportation that would enable the individual to prepare for, respond to, recover from, and mitigate a disaster; or (E) an individual with limited access to the financial resources that would enable the individual to prepare for, respond to, recover from, and mitigate a disaster. (2) All hazards approach The term all hazards approach means planning for natural, technological, or human-caused incidents that warrant action to— (A) protect life, property, the environment, or the public health or safety; and (B) minimize disruptions of school activities. (3) Civil rights The term civil rights , used with respect to an individual, means the rights of the individual to be free from discrimination on the basis of disability or age in programs and activities. (4) Covered individual The term covered individual means an individual with a disability, an older adult, and an individual with access and functional needs. (5) Disability inclusive emergency management experience The term disability inclusive emergency management experience , used with respect to an individual or entity— (A) means an individual or entity that has— (i) demonstrated disability leadership experience, including working with nongovernmental entities; and (ii) subject matter expertise in leading disability inclusive preparedness, response, recovery, and mitigation initiatives that focus on meeting the rights of covered individuals who are affected by disasters, to be free from discrimination on the basis of disability or age in programs and activities