Employment and wage discrimination against persons with disabilities constitutes a major issue in many countries. We introduce a cross-classified hierarchical model incorporating detailed occupational, industry, and individual-level factors to assess the implications of mobility, vision, and hearing-related disabilities for the wages of full-time workers. Our results indicate that hearing disabilities are associated with lower wages, even when taking into account occupational demands, and the variance is associated with the occupational and industry levels of analysis. Despite the mismatch often observed between workers’ disabilities and the occupational demands associated with their jobs, we found no significant effects for the interaction between occupational demands and individual employee disabilities across levels of analysis. The negative effect of disability on full-time worker wages thus does not appear to be explained by limitations in meeting occupational demands. We do find evidence that disabilities are associated with lower education levels, which, in turn, result in lower wages.