Focus area 03 · Planned build
Self-employment for adults with disabilities
Entrepreneurship is a viable path when the benefits math works out. This calculator models SSI, SSDI, Medicaid, and ABLE contributions against projected business earnings so prospective entrepreneurs can plan with clarity.
Business ownership, benefits-safe
Self-employment rate PWD
10.6%
+2pp vs non-PWD
SBA disability lending
$210M
FY2024
ABLE + business
$34,830
Annual ABLE-to-Work ceiling
SSI PASS approvals
1,800
Active plans nationwide
Why this matters
Adults with disabilities are self-employed at a higher rate than the general population — self-employment offers control over schedule, environment, and accommodation. But benefits interaction is complex. Missteps can cost SSI, SSDI, or Medicaid. State policy that connects prospective entrepreneurs to SBA disability lending, Work Incentive Planning and Assistance (WIPA), and ABLE-account planning removes barriers.
Model projected business earnings against current benefits.
$3,500
$800
Model output
Myth or Fact?
"Starting a business always kills your SSI."
Tap to reveal ↓
MYTH. Plan to Achieve Self-Support (PASS) lets you save income and resources for a business goal without losing SSI. Business expenses reduce countable income.Source: SSA POMS SI 00870.001.
Myth or Fact?
"The SBA offers loans specifically for entrepreneurs with disabilities."
Tap to reveal ↓
FACT. SBA works with state VR agencies and Microloan intermediaries that specialize in disability entrepreneurship. Many programs offer sub-market interest rates.Source: SBA Office of Entrepreneurial Development.