Although employers are legally required to provide reasonable accommodation to workers with disabilities, in reality, getting the accommodations you need is less than straightforward. Obtaining reasonable accommodation is frequently a back-and-forth process between the employee and employer that costs the employee time, energy, and money. So it’s not surprising that so many people with disabilities are drawn to self-employment. When you run a business of your own, you can work in the time, place, and manner that’s best for you. And while business ownership comes with many challenges of its own, that flexibility offers enormous relief to people with disabilities.
The rise of home-based businesses has made self-employment especially appealing to people with disabilities. With a home computer and a high-speed internet connection, you can run a wide range of businesses. A new business owner might turn a longtime career into a freelance venture, start a blog, or begin their own e-commerce business. Even if you don’t have a ton of skills to draw on, consider starting a business drop-shipping popular consumer goods. Topping Oberlo’s list of business ideas that make money are: phone cases, backpacks and drawstring bags, and personal grooming tools.
No matter what type of business you choose, you need to know the basics of small business ownership. Most businesses have to register with their state. You may need a sales tax permit and other licenses, depending on the type of business. If your business exposes you to liability, incorporating and purchasing insurance is a smart business decision. Forming an LLC is a simple, affordable process that protects your personal assets from business dealings. You can learn more about registering a business and various business structures at the Small Business Administration.
After your business is registered, it’s time to create business bank accounts. A small business checking account keeps personal and business transactions separate. Building a relationship with a banking institution also gives you access to credit for financing business expenses.
Health insurance is a common concern for people with disabilities who are taking the plunge into small business ownership. While insurers through the Health Insurance Marketplace can’t deny coverage or charge more for people with disabilities, available plans can be costly while offering insufficient health coverage. However, you don’t have to remain unemployed or stay in a job you’re unhappy with just to retain health coverage. In Minnesota, you can obtain coverage under the Medical Assistance for Employed Persons with Disabilities (MA-EPD) program. The Minnesota Department of Human Resources has more information about MA-EPD.
When you’re living with a disability, self-employment represents more than a paycheck. It represents freedom from rigid office environments and unsupportive bosses, the ability to create your own accommodations, and the opportunity to pursue a passion. If the idea of starting your own business has crossed your mind, it might be time to take a closer look at self-employment.
Patrick Young, Founder of ableusa.info
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