Little research has been done on disability disclosure in education and employment. Instead, most research on disclosure has examined the effect disability has on the comfort level of the able-bodied. In order to explore how an adult with a disability learns to communicate to an instructor or employer what is needed for accommodation, interviews with 8 students with visible disabilities were conducted and analyzed with a constant comparative method to generate grounded theory. The students were asked questions about disclosure in the following areas: comfort level, under what conditions, describing the disability, reactions of others, and coaching or advice received. These five themes emerged: (1) how full disclosure differs individually; (2) how disclosure is a way to lessen tension for both the disabled student and others; (3) how disclosure affirms that the disability is a part of the disabled student; (4) how other people's responses to disability can vary greatly; and (5) how coaching or training on disclosure received through rehabilitation, counseling, and family support can also vary. (Contains 11 references.) (MO)