Self-employment is a solution for the person who wants to be self sufficient, productive and to be able to contribute to the economy but have challenges within the confines of a workplace setting. Issues such as transportation, dependence on caregivers and limiting conditions associated with the disability and perseverance of one’s own health are all qualifiers for choosing to work for yourself and have control over your abilities.
Self-employment is definitely worth exploration and you will find amplitude of great resources for people with disabilities to determine if this type of business organization is for you.
In addition to a productive lifestyle, the pride and fulfillment of owning and operating your own business, you may benefit from self-employment status in controlling your income level and maintaining needed benefits through business expense deductions for disability related work needs that may keep your income low enough for eligibility.
In addition, incentives for working while disabled may offer you some benefits that losing would not be worth being self-employed. One such program that has benefitted me by supplying health coverage for people with disabilities who get jobs is the IHSS Working Disabled 250% program. Because I require a caregiver, I have been able to pay a monthly premium so that I can still earn money above the eligibility cut-off amount. This premium allows me to be Medi-Cal eligible without a huge share of cost to defray my caregiver and medical expenses.
Self-employment can be a realistic goal for people with disabilities. That being said, self-employment is not for everyone – disabled or not. Being your own boss and working at your pace and when you want to have appeal. That is if you are self-motivated and self-directional and disciplined!
Are you willing to make a business plan to outline how much profit you’ll need to keep your business afloat and cover your personal needs? Monitoring your expenses is vital for success. Keeping abreast of your industry and business conditions is just as important for the stay at home entrepreneur as it is for a multi-level corporation. Are you willing to learn how to be a successful entrepreneur?
Are you disciplined enough to stay on track to complete your projects as well as handle all the business administrative support that would be provided if you had a business organization behind you to support sales, billing, compliance with government and industry regulations such as taxes or licensing?
Fortunately, with today’s technology there a lot of apps that streamline and make these tasks easier for you. As well, there is an online gig economy where you can find low cost hires around the world to handle your business affairs.
Having a plan before venturing out on your own is important. Not only are you your own boss, you are your own administrative support; and head of marketing, bookkeeping, sales and Human Resources.
To succeed, you must do the following exercises to determine if your business will be feasible. In other words, how much money will your business need to make?
- What do you need to support yourself – i.e., your living expenses – food, rent, utilities, insurances, auto expense, cell phone, Netflix …… . Add up your living expenses.
- Would you be better off working for someone else or can you make it on your own? Let’s say your living expenses are $4,000/month or $48,000/year. If you work on average 40 hours a week on your business (with 2 weeks of holiday/sick time), then at a base minimum, your target hourly rate will be: $48,000 (40 hours x 50 weeks) = $24.00/hour
- Note – you’ll have costs of the business and your pricing strategy to determine what you will really need to make. This is just a rough estimate of what time commitment and profit you’ll need to survive.
- How much capital do you need to start your business? – I.e., equipment purchase or rental, supplies, labor, services, leases, licenses, taxes, etc…
- How much profit will you need to earn to grow your business, plan for contingencies and support the extras you desire in your own personal life. To calculate profit, you need to determine your expected business expenses and project your expected income.
- INCOME – EXPENSES = PROFIT/LOSS
- Is your business feasible?
- Will your profit cover your personal and business expenses, your capital costs, and as well costs to grow your business and cover unexpected contingencies?
By doing this business planning, you’ll get a feel of what will work and where you need to look at other options for efficiency or cost control. You’ll also be able to analyze where you can make changes in your plan to be successful such as controlling costs, creating efficiencies and developing competitive pricing strategies.
Lastly, and very importantly, you need to be honest with yourself to determine the amount of time, energy, skills and resources (i.e., cash) you can commit to your business goal. You also need to look deep into yourself and your purpose to be successful. Are you self-directional and self-motivated? Are you your good boss? Will you get things done?
What are your resources? Resources are more than cash. They include other means to support your business. Perhaps free rent or a family member that will work with little or no compensation when your funds are low?
Resources also include organizations that can help you get your business off the ground. Surviving as a self-employed individual is dependent on the “you eat what you kill” concept. Learning to be self-employed has a steep learning curve. Fortunately, you can find lots of resources to help walk you through the whole maze of developing your business – often free or low-cost.
Most communities have a Small Business Development organization. Here, in San Diego, Accion is an excellent one offering education to prepare you, business development counseling, mentoring and even access to funding. Similar to entrepreneurial Training Programs offered in communities all across the country, take a look at the low cost $49 Refundable upon completion 10-week training program offered by Accion. Research online and on YouTube for other instructional trainings.
In addition, you will find governmental programs offering a cushion of support as an incentive to get people with disabilities into the workplace. Disability Benefits 101 is a great resource as a website with tools and information on employment, health coverage, and benefits. Further discussions of the resources I’ve mentioned in this article are included on this site.
- Social Security has a PASS (Plan to Achieve Self Support) and a Ticket to Work program that offer assistance in training, access to equipment needed and financing as well as retention of benefits so you’ll have a cushion for your housing, food and medical needs while you transition into self-employment.
- Your state has a Vocational Rehabilitation Program that will assist you in job retraining and/or readiness. Along with counseling, advice on resources and grants for education and equipment costs are provided.
- Often grants and other types of assistance are available to special groups such as Veterans or disability specific organizations or through your community. Research or talk to a counselor about your options
Understanding the income limitations of any benefits you receive is an important consideration. Many people with benefits choose not to work out of fear that they will lose their benefits. You can utilize the Disability 101 Benefits and Work Calculator to see how your benefits may be affected. Fortunately, special considerations are often made to encourage employment. Often, transition steps are implemented so benefits are available even while working.
Here are a few other resourceful web sites that are useful to review if your re interested in pursuing self-employment.
The Office of Disability Employment Policy (ODEP) is the only non-regulatory federal agency that promotes policies and coordinates with employers and all levels of government to increase workplace success for people with disabilities.
The Job Accommodation Network (JAN), an ODEP-supported service, provides individualized technical assistance, consulting, and mentoring services to individuals with disabilities, family members, and service providers. JAN consultants handle each inquiry on a case-by-case basis offering self-employment and small business development expertise and referrals regarding business planning, financing strategies, marketing research, disability-specific programs, income supports and benefits planning, e-commerce, independent contracting, home-based business options, and small business initiatives for disabled veterans. JAN customers can expect to receive a resource packet tailored to their specific entrepreneurial goals with consultants available throughout all stages of the process who can provide ongoing supports.
 IHSS Working Disabled 250% program. (https://ca.db101.org/ca/situations/youthanddisability/benefitsforyoungpeople/program2f.htm)
 Accion Nonprofit (https://us.accion.org/about-us/our-approach/)
 Accion Training Program (https://us.accion.org/resource/accion-academy-for-entrepreneurial-success/)
 PASS (Plan to Achieve Self Support (https://ca.db101.org/ca/programs/job_planning/pass/program.htm)
 Ticket to Work (https://ca.db101.org/ca/programs/work_benefits/ttw/program.htm)
 Disability 101 Benefits and Work Calculator (https://ca.db101.org/planning/(S(qrlfwcum5txht5v5igjqskky))/b2w2_start.aspx?screen=start&l=b2w2)
 The Office of Disability Employment Policy (ODEP) (https://www.dol.gov/odep/topics/SelfEmploymentEntrepreneurship.htm)
 JAN (https://askjan.org/info-by-role.cfm#for-individuals:entrepreneurship)
Look for Part 2 “Choosing Self Employment” by Tami Ridley in our June Newsletter
During the “normal” days before the pandemic, if we were to be at home it was ok because if we got bored or had a bit of cabin fever we would just go out somewhere. But knowing that we can’t do that or shouldn’t be dong that changes our mindset and we know the best way to fend off the blues is to stay busy. Well as the days go by, staying busy becomes a bit more difficult. How many YouTube videos can we watch or Netflix movies. How many phone calls or text messages, how much time can we spend on social media before it all becomes somewhat dull. Then the blues, which by the way were just sitting back waiting, begin to creep in and our thoughts are less positive and our problems are more pronounced and overall we just feel less happy.
So what can we do to fend off the blues? For me, I’ve set up a schedule that I try to stick to each day, starting with that much needed cup of coffee and some breakfast. A side note here, since we are less active for obvious reasons we need to be more aware of what we eat and how much, otherwise when this is all said and done, we’ll be looking for a wider chair to roll. Next, I go over emails, I check out my social media pages and post an update or two, spend some time on YouTube looking some for fun and interesting videos, I took advantage of a special offer from Babbel and I’m hoping to learn Italian, I brought the Ukulele out of the closet, dusted it off and realized that this simple and small four stringed instrument is far more complex that I first thought. I’m working on developing some level of proficiency with the instrument. I then make a call or two to check on family and friends. I spend time goggling new resources that I can put up on our website to help our community. I must confess, I do have a video game that I enjoy playing so I spend some time with that and later in the evening I watch an episode or two of whatever series I’m watching on Netflix or Prime Video.
So as you can see, this plan helps to keep my mind active each day, it’s not a fool proof plan but it works for me. Certainly worth a try if you find that your mental state isn’t as fresh as it should be.
Ensuring People with Disabilities Can Access Prescription Drugs During the Current Crisis
Many people with disabilities are at increased risk of serious or fatal complications from COVID-19 (coronavirus). In an active community outbreak, the safest option may be to self-isolate at home, perhaps for weeks or longer. In order to prepare for this possibility, the CDC is currently recommending that people at high risk stock up on necessities, including maintenance prescription medication.
Unfortunately, many people with disabilities can’t take this advice because of insurance restrictions. Insurers typically refuse to cover refills on 30-day prescriptions until only three to seven days of medication remain. For certain controlled substance prescriptions, patients may be legally unable to fill a new prescription until the date that the previous prescription is scheduled to run out.
These coverage restrictions could leave many disabled people in danger. Visiting the pharmacy can be risky for some people with chronic illnesses in even a normal flu season. Some people with disabilities may also face logistical challenges in getting to the pharmacy if in-home support services become disrupted due to a local COVID-19 outbreak. While many people can use mail order pharmacies to avoid this risk, localized outbreaks and social distancing measures may disrupt supply chains. We cannot stake our lives on the assumption that the availability of medications will remain stable in the coming weeks and months. We need to be able to stock up now, as the CDC recommends.
Disrupting treatment always endangers patients, but even more so in a pandemic. COVID-19 is expected to heavily tax the resources of the health care system. The need for inpatient treatment will likely exceed capacity in many communities. Even outpatient clinics are likely to have a high number of patients seeking treatment for COVID-19 symptoms, making avoidable visits risky for those more vulnerable to complications. Additionally, patients whose chronic conditions are destabilized are in danger of becoming more severely ill if they are infected with COVID-19.
Fortunately, a few insurance companies have taken measures to protect patients. In both Massachusetts and North Carolina, Blue Cross Blue Shield has waived early refill limits on 30-day maintenance prescriptions. Recognizing that most of us cannot simply wait for our insurers to behave responsibly, the Washington state insurance commissioner issued an emergency order requiring insurers operating in the state to cover early refills. On March 10th, the Center for Medicare and Medicaid Services issued guidance to Medicare Part D plans reminding them of their ability to relax restrictions on early refills and lift barriers to obtaining prescriptions from out-of-network pharmacies.
While these emergency policies still fail to provide sufficient protection for many people with disabilities taking prescribed controlled substances, they offer significantly more protection than the status quo.
To further safeguard access to treatment, there are some additional changes beyond allowing for early refills to standard insurance policy practices that would be beneficial. These include relaxing restrictions on prescription fills at out-of-network pharmacies and offering coverage of non-formulary drugs if supply chain issues leave patients with no available formulary options. Widespread adoption of such policies would go a long way toward protecting the lives of people with disabilities in the COVID-19 crisis.
On Friday, March 27, President Trump signed the Coronavirus Aid, Relief and Economic Security Act (The CARES Act). This is the third relief package approved by Congress and signed by the President in response to the health and financial crisis now confronting individuals and families, businesses (for profit and not-for-profit) of all sizes across diverse market sectors, the healthcare system and government at all levels. The more than $2 trillion economic rescue package is the largest relief package in U.S. history.
The CARES Act passed with overwhelming support of Democrats and Republicans, has over 800 pages of specific direction to the full spectrum of federal departments and agencies including Treasury, Health and Human Services, Labor, Social Security Administration, Education, Veterans, Housing and Urban Development, Centers for Medicaid and Medicare Services, Small Business Administration and Defense.
The relief includes direct payments to millions of Americans, expanded unemployment insurance, loans and grants to adversely impacted small and large businesses and additional funding to many existing government programs as diverse as homeless housing support, healthcare providers, community behavioral health clinics, suicide prevention programs, Centers for Independent Living, local and state education agencies, the WIOA workforce development system, veterans who are homeless or, as a result of the impact of the Coronavirus, are at risk of becoming homeless and owners and sponsors of properties who receive HUD Section 811 project-based assistance for individuals with disabilities.
National Disability Institute (NDI) has digested the CARES Act and the Families First Response Act and offers this preliminary analysis of the possible impact on individuals with disabilities and their families, disability-related nonprofit organizations and publicly-funded systems (education, health, workforce development) that must treat children, youth and/or adults with disabilities and their families as a protected class who should benefit from these targeted resources.
We offer the following takeaways that require your attention and next steps for future action. Please share this information widely with individuals with disabilities and their families, disability-related nonprofit organizations and throughout your networks.
Under the Americans with Disabilities Act and other laws, you cannot be treated badly just because you have a disability or someone in your family has a disability, or because someone thinks you have a disability. You can ask for changes you need for your disability. The hospital and doctors have to help you unless it would be very dangerous or difficult, even with supports. This means:
• You can get medical care like everybody else. No one can deny you emergency care (like a ventilator) just because of your disability.
• You can bring a family member or other helper with you unless they are also sick.
• You can bring a trained assistance animal with you most of the time.
• You can bring your own stuff like a ventilator or wheelchair.
• You get good communication. If you are deaf you get ASL interpreting or CART. You can get papers in Braille or large print or in a computer file. You can get information in simple words.
• You can get information in another language. You can get an interpreter.
• You get help with follow-up care and services.
If you have a problem with a doctor or hospital during COVID-19, call Disability Rights California (DRC) at 1-800-776-5746 between 9:00-4:00. TTY: 1-800-719-5798. After 4:00 & weekends, leave a message or use this form: https://tinyurl.com/t9cgeu6
Si Usted o Alguien a Quien Conoce esta Discapacitado Conozca sus Derechos – COVID-19
Segun la Ley de Estadounidenses con Discapacidades y otras leyes, usted y su familia no pueden ser tratados mal simplemente por tener una discapacidad. 0 simplemente porque alguien piensa que usted tiene una discapacidad. Usted puede solicitar cambios necesarios para su discapacidad. El hospital y medicos deben ayudarlo a menos de que sea muy peligroso o dificil, incluso con ayuda. Esto significa:
• Usted recibe atenci6n como todos los demas. Nadie puede negarle atenci6n de emergencia (como un ventilador) solo por su discapacidad.
• Puede venir con un familiar o ayudante a menos de que ellos esten enfermos.
• Puede traer un animal que esta entrenado para asistirlo en el mayor de los casos.
• Puede traer sus propios implementos; como un ventilador o silla de ruedas.
• Obtendra buena comunicaci6n. Si es sordo/mudo, tendra interpretes de ASL o CART. Puede tambien obtener documentos en Braille, letras grandes o un archivo en la computadora. Puede obtener informaci6n con palabras simples.
• Puede obtener informaci6n en otro idioma. 0 recibir un interprete.
• Puede recibir ayuda con atenci6n y servicios de seguimiento.
Si tiene un problema con un medico u hospital durante el COVID-19, llame a Disability Rights California (DRC) al 1-800-776-5746 entre 9:00 am -4:00 pm. TTY: 1-800-719-5798. Si nos llama despues de las 4:00 pm o en fin de semana, deje un mensaje de voz o Ilene esta forma:
Spinal Network offers Disability Etiquette training to companies and organizations. The fee for this training is based on the location of the training and the number of attendees. Each training session is approximately 1.5 – 2 hours in length. Our training sessions are interactive allowing for questions and dialogue for better understanding of the content.
Our Disability Etiquette training will discuss the following:
- the various types of disabilities
- equipment sometimes used
- raise awareness
- dispel myths.
We are often asked why a company or organization should practice disability etiquette. When disability etiquette is used, everyone feels more comfortable and interacts more effectively. This creates a more productive work environment.
If your interested in Disability Etiquette training click the button below to send an email.
When you get hurt and suffer a Spinal Cord Injury, you suddenly find yourself in a new world where it feels like you have no control over anything. You’ve joined a “club” you may have known about, but never expected to be a member of. All manner of thoughts and feelings may be taking turns occupying your brain. Some form of depression is a very normal reaction at some point in the adjustment process. Some people, amazingly, avoid it completely. “It is what it is, I have no choice but to move on, no point in allowing myself to dwell on it, get depressed, etc.” Not many escape some level of sadness, however, but acknowledging it is difficult. Your body has just changed in ways you never dreamed of, so the last thing you want to think is that your mind is messed up too. If depression sets in, don’t ignore it, don’t withdraw, do something to change it.
Typical symptoms of depression include feeling sad, low energy, trouble sleeping, weight loss or gain, suicidal thoughts, loss of interest, moodiness, and loss of concentration. People are amazingly resilient and usually the depression lifts. There are ways to accelerate the process of adjustment:
- Put one foot (wheel!) in front of the other and force yourself to do the things that you know usually are enjoyable.
- Talk with someone outside your usual circle (we often don’t want to burden family or close friends) with whom you can safely say, “This is really hard!”
- Get with other folks with SCI in a support group or socially.
- Get out of the house and socialize, exercise, get into disabled sports, make plans to get back in school or take some classes in something you were always interested in but never got around to.
- Start thinking about what employment would look like.
If you’ve had depression in the past, you may have a blueprint for how you dealt with it, although now it is likely a much more difficult and challenging circumstance than any you have encountered.
If the symptoms continue to be severe – if nothing makes sense, nothing seems worth it, you are not doing the things you can do to move on (mastering self-care, advocating for yourself, getting out in the community, enjoying friends or family) it may be time to talk to someone – a counselor or therapist, clergy, or maybe a peer support person you met in Rehab. If you are having suicidal thoughts it’s definitely time. (Crisis Line 888-724-7240). As much as we feel pressured to be stoic and stay strong, we all have a limit on how much we should go it alone.
Richard Green, LCSW Sharp Rehabilitation Hospital, San Diego
December 20, 2019
CRT Stakeholders and Friends,
We have something extra to be grateful for this Holiday season! Tonight the President signed into law H.R. 1865 that includes permanent protections for Complex Rehab Manual Wheelchairs and their accessories/components. This is a great win in our collective advocacy to protect access to Complex Rehab Technology (CRT).
The included CRT provisions will permanently exempt Complex Rehab Manual Wheelchair bases from the Medicare Competitive Bidding Program (CBP). Additionally, there is an 18-month suspension in the current application of CBP payment rates to Complex Rehab Manual Wheelchair accessories. The suspension is effective January 1, 2020 to June 30, 2021 which will allow for further discussions to achieve a permanent resolution.
Our sincere thanks to our CRT champions Representatives John Larson (D-CT) and Lee Zeldin (R-NY) and Senators Bob Casey (D-PA) and Rob Portman (R-OH) for their leadership and hard work. We’re also grateful to Energy & Commerce Committee Chair Frank Pallone (D-NJ) and Ranking Member Greg Walden (R-OR), Ways & Means Committee Chair Richie Neal (D-MA) and Ranking Member Kevin Brady (R-TX), and Senate Finance Committee Chair Chuck Grassley (R-IA) and Ranking Member Ron Wyden (D-OR).
This shows when the CRT Community comes together things can get done! Recognition and thanks to the ITEM Coalition, United Spinal Association, NCIL, National Multiple Sclerosis Society, Christopher and Dana Reeve Foundation, Paralyzed Veterans of America, Spina Bifida Association, Clinician Task Force, RESNA, Abilities Expo, APTA, AOTA, and all the other consumer, disability, and medical professional organizations who invested their time in educating and advocating. Thanks also to our NCART members, dedicated consumer advocates, and to our industry partners AA Homecare, NRRTS, US Rehab, and the state associations for their significant contributions.
In summary, thanks to everyone who has played a part. It wasn’t quick and it wasn’t easy, but everyone’s outreach and persistence paid off. We hope you are able to enjoy the Holiday break and look forward to building on this win as we continue the work to protect access for people with disabilities who depend on CRT.
Our Peer Mentor program is off to a great start with thirteen trained and certified peer mentors. Lindsey Elliott, peer mentor trainer with the United Spinal Association, came out to San Diego to facilitate the full day training. The feedback we received was 100% positive and it was great to see so many people completely engaged.
I want to thank the Student Ability Success Center at San Diego State University for hosting our event. They were so accommodating throughout the planning process and the day of. Thanks also to Which Wich for the great sandwiches and box lunch.
We are making plans for a great Peer Mentor section on our website, one where you will be able to meet our peer mentors and watch an introductory video from each. If you are have need for peer mentor services, please click the button below..