What is the term for when an individual is a member of a racial/ethnic minority group, has a disability, and experiences poverty?

The phrase that describes an individual who belongs to a racial or ethnic minority group, faces a disability, and experiences poverty is typically referred to as "cumulative disadvantage." This term captures the way in which various forms of social inequality can compound and interact, leading to greater overall disadvantage.

Cumulative disadvantage recognizes that experiencing multiple forms of marginalization creates more significant barriers than any single factor alone. In the context of this question, the individual’s racial or ethnic minority status, disability, and economic hardship intertwine, resulting in complex challenges in areas such as healthcare access, education, and employment opportunities.

The other terms provided do not fully encapsulate this multifaceted experience. For instance, while "dual disadvantage" might imply a combination of two factors, it fails to account for the three elements in this scenario. "Socioeconomic disadvantage" usually refers to economic factors alone, and the "triple threat phenomenon" is not a widely recognized term in this context. Thus, "cumulative disadvantage" is the most accurate label for the scenario described.