OPINION OF THE COURT
Albert Lawrence appeals the grant of summary judgment to National Westminster Bank in his suit alleging age and handicap discrimination and denial of severance benefits. We will affirm in part, reverse in part, and remand to the district court.
I.
Albert Lawrence was hired by Citizens First National Bank of New Jersey, now National Westminster Bank, New Jersey, 1 in October 1979 as Vice President/Chief Investment Officer of the Trust Department. In 1985 he was promoted to the position of Senior Vice PresidenVChief Investment Officer.
On June 30,1987, Lawrence was injured in a ear accident and sustained severe back injuries. As a result he wears a back brace. Lawrence alleges he suffers from chronic pain and discomfort because of the injury. Nevertheless, after the accident, Lawrence returned to work and resumed his position with the bank.
In early 1992, Allan Nichols became bank Chairman. Nichols developed new goals and *65 business objectives for the bank, and specifically for the Trust Department. Although the parties’ accounts of what ensued over the next one and one half years differ, the bank contends Lawrence’s level of performance substantially deteriorated. On September 3, 1993, at the age of sixty, Lawrence was terminated for sub-standard performance and “behavior not befitting a manager.”
Lawrence disputes he was fired for “cause.” He contends this explanation was pretextual, and that he was fired because of his age and/or his physical condition. Lawrence filed suit in the United States District Court for New Jersey alleging age and handicap discrimination under New Jersey and federal laws. 2
As we have noted, the district court granted National Westminster Bank’s motion for summary judgment.
Lawrence v. National Westminster Bank, New Jersey,
No. 94-1368,
II.
We have jurisdiction over the final order of the district court under 28 U.S.C. § 1291. “When we review a grant of summary judgment, we apply the same test as the district court should have applied initially.”
Sempier v. Johnson & Higgins,
III.
A.
Lawrence alleges National Westminster Bank violated the Age Discrimination in Employment Act (“ADEA”), 29 U.S.C. § 621 et seq., and New Jersey’s Law Against Discrimination (“LAD”), N.J.S.A. 10:5-1 et seq., by dismissing him because of his age.
Age discrimination claims under the ADEA and LAD are governed by the same standards and allocation of burdens of proof.
See Retter v. Georgia Gulf Corp.,
Here, the parties’ disagreement revolves around the “pretext” prong of the discrimination claim. The district court found Lawrence established a prima facie case of age discrimination, but determined “plaintiff failed to offer any evidence that suggests defendant’s nondiscriminatory reason for terminating his employment is unworthy of belief.” The court then granted summary judgment in favor of National Westminster Bank.
B.
After reviewing the record, we believe Lawrence cast sufficient doubt on National Westminster Bank’s proffered reasons for his termination to create a material issue of fact.
See Fuentes,
In particular, National Westminster Bank argues Lawrence’s last evaluation is demonstrative of his inadequate performance. The evaluation rated his performance in several areas, falling into three categories: behavior; performance/financial standards; and specific objectives. Overall, he was described as meeting standards in the latter category, but falling below standards in the other two categories. Lawrence challenges the credibility of the evaluation contending that the report was unsigned, undated, incomplete, and never provided to him during his employment. 5
National Westminster Bank also relies on a March 1993 memorandum, prepared by Richard Moore, for National Westminster Bank’s Senior Vice President, Peter Beisler, detailing several reasons why Lawrence was not “the right person to lead [National West *67 minster Bank’s] investment effort in the future and should be replaced in that position.” National Westminster Bank contends Moore’s memorandum substantiates its assertion Lawrence was fired “for cause.”
A jury might well view Moore’s memorandum as evidence that National Westminster Bank’s proffered reasons for Lawrence’s termination were not pretextual. Lawrence, however, contends Moore prepared the memorandum as an after-the-fact justification for the discriminatory employment decision. According to Lawrence, the memo was written at the direction of National Westminster Bank’s human resources office once the termination decision was made. Furthermore, Lawrence claims Moore did not actually believe he was incapable of performing at a satisfactory level. At his deposition, Moore conceded he had no reason to believe Lawrence was incapable; rather, he thought Lawrence did not want to implement the kind of changes envisioned by Moore and the bank’s new leadership. A jury could find Lawrence’s account credible.
To substantiate his account, Lawrence relies on depositions of his subordinates, which portray his performance in a favorable light. According to Edward Hofmann, a Trust Portfolio Manager for the Trust Department, and Leonard Nedswick, an Administrative Officer in the Trust Department, Lawrence was competent and expressed an enthusiastic and positive attitude toward his work. Hofmann described him as “a thorough investment professional, very interested in his business” and as “a very good portfolio manager.” Nedswick said he considered Lawrence qualified to service the accounts on which they worked together. Moreover, in contrast to National Westminster Bank’s assertions, Nedswick stated he had never heard of an instance where Lawrence failed to inspire his co-workers, and based on his experience working with Lawrence, never believed him to be disinterested in customer contacts. Both Hofmann and Nedswick stated they knew of no complaints about Lawrence’s overall performance, and were unaware he was considered by upper management as the least favored portfolio manager.
We also differ with the district court over its observation that Lawrence’s evaluations gradually grew less favorable over time. Our review of Lawrence’s performance evaluations contained in the record does not reveal on obvious downward trend. 6 Whether there was a trend, and what significance should be attached to a pattern of performance, should be determined by the fact finder.
C.
In view of the foregoing, we believe the district court erred in ruling Lawrence failed to offer “any” evidence impugning National Westminster Bank’s justification for his termination. “On summary judgment, it is not the court’s role to weigh the disputed evidence and decide which is more probative.”
Brewer,
IV.
A.
Lawrence also alleges National Westminster Bank violated the Americans With Disabilities Act, 42 U.S.C. § 12101 et seq., and New Jersey’s Law Against Discrimination, by discriminating against him on account of his back injury. Lawrence asserts both an improper termination claim as well as a failure to accommodate claim. (Compl. at ¶ 26.)
The ADA proscribes “discrimination against a qualified individual with a disability *68 because of the disability of such individual in regard to job application procedures, the hiring, advancement, or discharge of employees, employee compensation, job training, and other terms, conditions, and privileges of employment.” 42 U.S.C. § 12112(a). The term “qualified individual with a disability” means a person who, with or without “reasonable accommodation,” can perform the essential functions of the employment position that person holds or seeks. 42 U.S.C. § 12111(8). In addition, under the Act, an employer must make “reasonable accommodations” to the “known physical or mental limitations of an otherwise qualified individual with a disability who is an applicant or employee.” 42 U.S.C. § 12112(b)(3). New Jersey’s Law Against Discrimination also prohibits unlawful discrimination because of a person’s “handicap” in employment. See N.J.S.A. 10:5-4.1 and 10:5-29.1.
B.
Turning to Lawrence’s allegation that National Westminster Bank violated the ADA by firing him because of his disability, we rely on a pretextual analysis structurally similar to the one used for his age discrimination claim.
See McNemar v. Disney Store, Inc.,
The district court erred when it required Lawrence to proffer evidence of a causal relationship to establish his prima facie case. Under the
McDonnell Douglas
framework the elements necessary for a prima facie case may vary depending on the factual situation.
McDonnell Douglas Corp. v. Green,
C.
1.
On remand, Lawrence must first establish the prima facie elements for disability discrimination under the proper standard. 10 Assuming Lawrence can satisfy his prima facie burden, then on pretext, his evidence supporting his age discrimination claims would also apply to his ADA disability claim. Just as we found Lawrence presented sufficient evidence to support an inference he was not terminated for a reason unrelated to his age, we find he has advanced enough evidence to cast sufficient doubt upon defendant’s claim he was fired for “cause” rather than on account of his physical condition.
2.
Lawrence also challenges the district court’s ruling barring his ADA claim for “failure to accommodate” because he never requested an accommodation. Under the ADA, an employer is required to make “reasonable accommodations to the known physical limitations ... of an otherwise qualified individual with a disability who is an ... employee, unless such [employer] can demonstrate that the accommodation would impose an undue hardship on the operation of the business....” 42 U.S.C. § 12112(b)(5)(A). Relying on the Interpretive Guide of Title I of the ADA, the court noted an employer is not expected to accommodate disabilities of which it is unaware. See 42 U.S.C. § 12111(9); 29 C.F.R. app. § 1630.9 (1996) (“In general ... it is the responsibility of the individual with a disability to inform the employer that an accommodation is needed. When the need for an accommodation is not obvious, an employer, before providing a reasonable accommodation, may require that the individual with a disability provide documentation of the need for accommodation.”) (EEOC regulations relating to “reasonable accommodation”). The court observed “plaintiff stated unequivocally ... he never asked his employer for any type of accommodation” for his physical condition. Lawrence contends an employer’s knowledge of the disability is itself enough, and he cites to testimony indicating that National Westminster Bank employees were aware of his condition.
Whether or not a request by a plaintiff for accommodation is required to make an ADA claim is immaterial here,
11
since Lawrence has not alleged or explained what actual accommodations were lacking. We agree with the district court that Lawrence advanced no Rule 56 evidence depicting how National Westminster Bank failed to accommodate him as required by the Act. Under
Celotex,
“the moving party is [entitled to summary judgment] because the nonmoving party has failed to make a sufficient showing on an essential element of [his] ease with respect to which [he] has the burden of proof.”
Celo-tex,
D.
As for Lawrence’s LAD claim, the district court acknowledged Lawrence’s assertion his termination violated the Act insofar as it was motivated by his “handicap.” Yet, the court did not discuss this claim.
We have previously found that “in adjudicating cases brought under the ADA and NJLAD, courts apply the burden-shifting framework applicable to cases brought under Title VII....”
McNemar,
In view of the district court’s failure to address the LAD claim, and our prior assessment of the evidence related to the ADA termination claim, we will also reverse the grant of summary judgment regarding the LAD disability claim. 13
V.
A.
National Westminster Bank asked Lawrence to sign a termination agreement which would provide him with severance payments, in exchange for his promise not to take legal action against them. With the advice of counsel, Lawrence refused to sign the agreement. National Westminster Bank gave Lawrence no severance benefits after his termination. 14
Lawrence contends the denial of severance benefits following his refusal to sign the agreement constituted a breach of contract, as well as unlawful retaliation. The district court dismissed Lawrence’s claim because he “admitted” at deposition that he was owed no benefits by National Westminster Bank, and because employees terminated for cause are not entitled to severance benefits. As we have indicated, the court also found Lawrence proffered no evidence contradicting National Westminster Bank’s position that he was fired for “cause.”
B.
We agree with the district court that were Lawrence terminated for cause, he would not be entitled to receive severance benefits. National Westminster Bank’s employment manual contained a schedule setting out severance benefits based on an employee’s age and tenure. The manual was silent on whether termination for cause bars severance benefits. Under New Jersey law, a company’s employment manual may con
*71
tractually bind the company. Woolley v. Hoffmann-LaRoche, Inc.,
In view of Moore's unrebutted testimony, we do not believe the employment manual alone creates a material dispute about whether terminated employees are owed severance benefits. We find the district court properly held that if Lawrence had been terminated for cause, he would not be entitled to severance benefits.
Of course, should a jury find Lawrence was not fired for cause, it could consider whether Lawrence was entitled to severance benefits upon his termination. Under New Jersey law "[t]he key consideration in determining whether an employment manual gives rise to contractual obligations is the reasonable expectation of the employees." Witkowski,
C.
Lawrence contends his denial of severance benefits following his refusal to sign the termination agreement amounted to "retaliation" and violated provisions of New Jersey statutory law. New Jersey's Conscientious Employee Protection Act provides:
an employer cannot take any retaliatory action against an employee because the employee does any of the following: discloses, or threatens to disclose . . . the policy or practice of the employer ... that the employee reasonably believes is in violation of a law, or a rule or regulation promulgated pursuant to law.
N.J.S.A. 34:19-1. New Jersey's Law Against Discrimination makes it unlawful "[for any person to take reprisals against any person because he has opposed any practices or acts forbidden [under the Act] ... or because he has filed a complaint, testified or assisted in any proceeding [under the Act]." N.J.S.A. 10:5-12(d). To establish a prima facie case for retaliation under LAD a plaintiff must show: (1) he engaged in a protected activity; (2) he was discharged subsequent to or contemporaneous with such activity; and (3) a causal link exists between the protected activity and the discharge. Romano v. Brown & Williamson Tobacco Corp.,
The district court dismissed the counts of the complaint alleging National Westminster *72 Bank denied Lawrence benefits m retaliation for his refusal to sign what he believed to be an illegal termination agreement. Again, the court found the record devoid of any evidence to support such an allegation, or that Lawrence was terminated for any reason other than his performance. While we differ with the district court whether there were disputed material facts related to the discrimination and contract claims, we agree with the court there was insufficient evidence of causation.
Lawrence’s retaliation theory derives from his refusal of the bank’s offer of a severance package conditioned on his accession to the terms of the termination agreement. Yet these actions alone do not create a genuine issue of material fact. National Westminster Bank believed it had no duty to grant severance benefits. All the record evidence demonstrates that National Westminster Bank never offered severance benefits to employees terminated for cause. That it offered Lawrence benefits as inducement to sign the termination agreement does not suggest the failure to tender benefits absent Lawrence’s assent was retaliatory. Lawrence offers no evidence for his contention he was denied benefits because of his refusal to sign the termination agreement. Therefore, we will affirm that part of the district court’s summary judgment order dismissing Lawrence’s retaliation claim.
S
<d
Lawrence also asserts National Westminster Bank’s request that he sign a purportedly illegal termination agreement constituted a violation of the Older Workers Benefit Protection Act (“OWBPA”), ,• part of the ADEA, 29 U.S.C. § 621
et seq.
The OWBPA makes it unlawful to “discharge ... or otherwise discriminate against any individual” with respect to employment terms or conditions “because of such individual’s age.” 29 U.S.C § 623(a)(1).
15
In relevant part, OWBPA amended the ADEA, “specifically limiting the manner in which an employee may waive the protections afforded under [the ADEA].”
Oberg v. Allied Van Lines, Inc.,
The district court rejected Lawrence’s OWBPA claim, and granted National Westminster Bank’s motion for summary judgment. Because Lawrence never signed the agreement, the district court found he suffered no injury under OWBPA. The court also reiterated its view that Lawrence was terminated for cause, and concluded this was the reason he was denied severance benefits. Moreover, the court stated it did not believe a violation of OWBPA alone could serve as the basis for an age discrimination claim under the ADEA, or that Congress created a private right of action for violations of the OWBPA. In the court’s view, the only effect of an illegal agreement is that National Westminster Bank cannot rely on it.
Lawrence maintains the court improperly analyzed his OWBPA claim. In particular, he asserts the court erred in concluding he lacked standing because he did not sign the agreement, and in determining the Act does not provide for a private right of action.
B.
We concur with the district court that Lawrence’s OWBPA claim is unfounded. As the court noted, Lawrence never signed the termination agreement presented to him; therefore, he never “waived” his rights under the Act and cannot establish a violation of § 626(f). The alleged effort to induce him to sign the agreement could not result in a violation of OWBPA’s waiver provisions.
*73 Because Lawrence suffered no injury cognizable under the OWBPA, we need not decide whether the waiver provisions of OWB-PA may be enforced through private civil actions.
VII.
Finally, Lawrence argues the statutory violations he alleged were also violations of New Jersey public policy. We hold the district court correctly dismissed Lawrence's public policy claim.
Under New Jersey law "an employee has a cause of action for wrongful discharge when the discharge is contrary to a clear mandate of public policy." See Pierce v. Ortho Pharmaceutical Corp.,
Moreover, the paradigmatic dismissal giving rise to a public policy cause of action is the termination of an employee in retaliation for the employee's refusal to act contrary to public policy. See Citizens State Bank, New Jersey v. Libertelli,
We will affirm the district court's grant of summary judgment against Lawrence on his public policy claim.
VIII.
For the foregoing reasons we will affirm in part and reverse in part the judgment of the district court. We will remand to the district court for proceedings consistent with this opinion.
Notes
. Citizens First National Bank of New Jersey was acquired by National Westminster Bank prior to Lawrence's termination.
. Lawrence's complaint set out ten counts:
(1) Violation of the Older Workers Benefit Protection Act (“OWBPA”);
(2) Improper termination and failure to accommodate in violation of the Americans with Disabilities Act ("ADA”);
(3) Violation of the Age Discrimination in Employment Act of 1967 ("ADEA”);
(4) Handicap discrimination in violation of New Jersey's Law Against Discrimination;
(5)Age discrimination in violation of New Jersey's Law Against Discrimination;
(6, 7, 8) Unlawful denial of severance pay, vacation pay, and other benefits;
(9) Violation of New Jersey’s Conscientious Employee Protection Act;
(10) Violation of New Jersey public policy.
. In the pretext case, the plaintiff must establish the prima facie elements by a preponderance of the evidence,
Sempier,
. "Under the ADEA, the ultimate burden remains with the plaintiff to prove that age was a determinative factor in the defendant employer's decision.”
Chipollini,
.Richard Moore, Executive Vice President of the Trust Department, Lawrence's supervisor, and report author, confirmed the evaluation was never presented to Lawrence. (J.A. at 410.)
. In the 1984-1991 year end evaluations, Lawrence overwhelmingly received "exceeds requirements” or “outstanding” ratings. In those eight years he never received a mark lower than "competent.” (J.A. at 110-153.) Year end perfor-manee reviews were not prepared in 1992 due to a change in the bank’s upper management. The only performance evaluations in the record are the 1984-1991 reports and the evaluation prepared by Richard Moore in 1993.
. Other Courts of Appeals have used the
McDonnell Douglas
analysis in ADA cases.
See, e.g., Katz v. City Metal Co., Inc.,
. The district court’s prima facie standard required plaintiff to allege: “(1) that he is a qualified individual with a disability; (2) that he suffered an adverse employment action; and (3) that a causal connection exists between the adverse employment action and the disability.”
Lawrence v. Nat’l Westminster Bank, N.J.,
No. 94-1368,
.Other Courts of Appeals have applied similar prima facie standards in ADA cases.
See also DeLuca,
. The first prong to the prima facie test is whether Lawrence was a member of a protected class — that he had a recognized "disability” trader the ADA. The Act defines "disability” to mean: "(A) a physical or mental impairment that substantially limits one or more of the major life activities of ... [an] individual; (B) a record of such an impairment; or (C) being regarded as having such an impairment.” 42 U.S.C. § 12102(2). Working is considered a major life activity. 29 C.F.R. § 1630.2(i). The district court did not decide whether Lawrence satisfied the ADA "disability” requirement. Therefore, on remand, this issue remains open.
. National Westminster Bank contends that Lawrence has the obligation to request an "accommodation” from the bank before bringing his ADA claim for failure to accommodate.
See Taylor v. Principal Financial Group, Inc.,
. According to Lawrence’s own deposition testimony, National Westminster Bank always allowed Lawrence, without criticism, to leave early and arrive late on the numerous occasions he had a doctor’s appointment; when he was required to carry large investment portfolios to the weekly meetings another employee would carry them for him. (J.A. at 290, 330-333.)
. Except insofar as Lawrence might argue National Westminster Bank failed to "accommodate” him, and thereby discriminated against him as an "otherwise qualified handicapped.” NJ.S.A. 10:5-29.1;
cf. Ensslin,
.In his original complaint Lawrence asserted that in addition to severance benefits, he was also denied other benefits (e.g., vacation and sick pay). That claim was subsequently withdrawn after National Westminster Bank paid these benefits.
. OWBPA is the 1990 amendments to sections 623, 626 and 630 of Title 29. Section 623 is the Act's central provision prohibiting age discrimination. Section 626 concerns the investigation and enforcement of the non-discrimination mandate. Section 626(f) provides an individual may not waive any right or claim under this chapter unless the waiver is knowing and voluntary, and sets out threshold conditions for deeming a waiver knowing and voluntary.
