Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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If You Are On Full Disability Can You Start a Home Based BusinessBeing on full disability does not always mean that you don’t have the ability to work so it leads to the question, if you are on full disability, can you start a home based business? The answer is yes, but with much restriction.

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The main restriction is on how much money you can make from your home based business before you lose your disability coverage.

The government actually supports this kind of venture and allows for some transition time. The following article will provide additional information on starting a home based business if you are on full disability.

Why does someone get on full disability?

Before exploring the question of whether or not someone can start a home based business while on disability, let’s explore what may cause a person to get full disability in the first place. Full disability is provided for individuals who have been injured:

  • In the military
  • Through an illness
  • In an accident, or
  • Through a work-related incident

This includes more than just a physical disability. Someone can qualify for full disability if they are suffering from a mental aliment such as depression or post traumatic stress disorder.

Disabilities can be gradual or immediate and unexpected. Accidents can lead to temporary or permanent disabilities. Disability is meant to provide for an individual who cannot work because of their physical or mental state no matter what the cause. Events and diagnoses such as cancer, a car accident, the affects of war, or complications from the birth of a child can all lead to disability.

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How does someone qualify for full disability?

To qualify for full disability, you have to have a physician diagnosed disability that prevents you from working a 9 to 5 job. If you can work even a few hours a day, you will not qualify for full disability but may qualify for partial disability. Some types of disabilities, such as a debilitating illness or diseases like cancer, that worsen with time may gradually work up to a full disability. You may start out as partial disability qualified and eventually be full disability qualified.

Once an individual is diagnosed with a disability, they must apply for disability income through the government. This can be done online; however, there is a lot of paperwork that must be sent in as well. If you are unable to apply via the internet, you can complete an application and mail it in or begin the process over the phone. The approval for disability won’t kick in right away. It takes several weeks for the approval process, if everything is done correctly from your end. If you have left out any information, the process will be even longer.

Disability may be given on a temporary basis instead of a permanent basis depending on the reason for the disability. If this is the case, the government will require a re-application at some point in the near future. If you have a medical condition that will not change or will continue to deteriorate then you will only be required to renew some information annually. It is your responsibility to report any changes including contact information or a change in your physical or mental state.

What are some home based businesses that a disabled person can run?

There are many home based business options available today, especially with the readily available access to the internet in most places. Many home based business options online are ploys to get money from people earnestly seeking income potential. However, there are many legitimate options available to. Internet home business options can range anywhere from selling items, writing for websites, creating your own website or taking surveys.

There are also many home based businesses that involve network marketing or selling products such as vitamins, food, or kitchen items from your home. Home based businesses are a great option for disabled individuals because these individuals can choose their own hours and take time off as needed. Income levels can also be controlled through a home based business so that you don’t make too much and lose some of your disability income.

The opportunity to have a home based business is allowed through the government’s work incentive program. This is for people on full disability who want to test beginning to work again to see if they are physically or mentally able to do so. If you are on full disability and are considering staring a home based business, check out the government’s work incentive programs to get started.

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