Hmmm... according to the ADA regulations, a disability is not required to be backed by insurance documents:

To be protected by the ADA, one must have a disability or have a relationship or association with an individual with a disability. An individual with a disability is defined by the ADA as a person who has a physical or mental impairment that substantially limits one or more major life activities, a person who has a history or record of such an impairment, or a person who is perceived by others as having such an impairment. The ADA does not specifically name all of the impairments that are covered.
http://www.ada.gov//pubs/adastatute08.htm#subchapterI

Here's Another Useful Resource:
http://askjan.org/links/ADAtam1.html#II

Anyway, I suppose calling it an allergy or something is one way that might go over smoother. I will choose though, to stand up for those with SPD! The more we let others know about it, the more recognized it will become, and the more readily it will be accommodated. To not accommodate the simple modifications that people with SPD need, is heartless and wrong. If my employers are not willing to help me out, I'm going to make sure that SPD gets some serious press!!!!! Anyway, I will be talking to people about this tomorrow, and I'll report on how it goes!