Starting a Small Business Following a Disability

Many individuals, realizing that they’ll never be able to return to their prior occupations following a disability, choose to begin exploring new career options. It isn’t unusual for people who’ve experienced disabilities to consider opening small businesses after recovering from their illnesses or injuries. However, those who are receiving disability benefits due to their inability to go back to their prior occupations are often concerned that pursuing a new business opportunity will reduce or eliminate their benefits eligibility.

Can you collect disability insurance and own a small business?

That’s a question that many people ask when thinking about launching a new business venture. The answer to this question really depends on the specific terms and conditions of the disability insurance policy under which you’re receiving benefits.

  • No: If you are receiving disability payments under a policy that pays only if you are not able to work in any occupation, once you start working in any occupation, you may cease to be eligible for benefits or the income from the new career may be deducted from your disability benefits.
  • Maybe: Disability insurance policies that pay benefits if you are not able to return to your “own occupation” are known as own occupation disability insurance and may continue to pay benefits if you start a small business that is in a different field, assuming that you remain medically unable to do the duties of your previous profession.

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Richard Reich

CEO - Licensed Agent

Richard Reich CEO and Licensed agent

In my 20+ years as an independent life and disability insurance broker, I have personally assisted thousands of clients with their life and disability insurance needs.  Being independent, I represent many highly-rated insurance companies and, because I am not beholden to any one insurance company, my focus is to find the right company and policy for each individual client. I believe that when people shop for insurance (or anything else, for that matter) on the Internet, they are looking for a simple, non-intrusive, non-pressure method of doing so.  I strive to treat my prospective clients with the utmost respect and I believe an educated prospect can make the right decision without sales pressure. Please feel free to contact me at your convenience.