If you’re a business owner dealing with a serious health issue, you might be wondering where to turn. Running your company while managing a disability isn’t easy. It may not be possible at all. That’s why understanding your rights—and consulting a disability lawyer to get help—is so important.
For entrepreneurs, disability benefits can offer a safety net during difficult times. But navigating the process alone is tough, especially when you’re used to doing everything yourself.
This is where consulting a disability lawyer can be a game-changer.
Yes, Business Owners Can Qualify for SSDI
Let’s clear something up first: self-employed people and business owners can qualify for Social Security Disability Insurance (SSDI). You just have to meet the same basic requirements as anyone else:
- You must have a serious medical condition that prevents you from working.
- Your condition must last 12 months or longer or be expected to result in death.
- You must have paid into Social Security through taxes long enough to qualify.
If you’ve been paying self-employment taxes, you’re likely contributing to Social Security. That means you’re potentially eligible for SSDI.
However, proving your case as a business owner can be more complex than it is for someone with a traditional job. That’s where a disability lawyer can make all the difference.
Why It’s Harder for Entrepreneurs to Get Approved
Entrepreneurs face unique challenges when applying for disability benefits.
When self-employed, your work history is harder to document. W-2 employees have clear income records. Business owners often have irregular income or complicated tax returns.
As an entrepreneur, you may still be working part-time. Even if your role has shifted or you’re no longer actively involved, SSA may see any work as a sign you’re not fully disabled.
Another factor that can prove challenging is that your “Substantial Gainful Activity” (SGA) is harder to assess. SSA uses your monthly earnings to judge whether you’re still capable of working. Business expenses, deductions, and fluctuating revenue can muddy the waters.
All of these issues can lead to denials if your application isn’t crystal clear.
How Consulting a Disability Lawyer Can Help
If you’re self-employed and thinking about applying for SSDI, consulting a disability lawyer can help you understand your situation—and avoid mistakes that could cost you benefits.
Here’s how they can help:
Clarifying Your Work History and Earnings
A good disability lawyer knows how to present your income and work history in a way that aligns with SSA standards. They’ll help document:
- How your condition has reduced or ended your ability to work
- The difference between passive income vs. active work
- How your business functions without you (if it still does)
This matters a lot. The SSA doesn’t just look at profits—they want to know if you’re still capable of working.
Gathering Medical Evidence
You need strong medical documentation to back up your claim. That includes records from your doctors, hospital visits, lab tests, and more. A disability lawyer helps make sure this information is detailed, consistent, and complete.
Filling Out Paperwork the Right Way
SSDI paperwork is complex. Missing one detail or checking the wrong box can get your claim denied. Your lawyer will help you fill everything out correctly the first time and make sure deadlines are met.
Preparing for an Appeal
Most people are denied the first time they apply. The SSA says that 67% of initial disability claims are denied. If that happens to you, don’t panic.
A disability lawyer can help you file an appeal, build a stronger case, and represent you in front of a judge. This stage is where many claims are finally approved—especially with legal help.
Saving You Time and Stress
As a business owner, your time and energy are limited. Trying to manage a disability, run a business, and apply for benefits all at once is overwhelming. Let your lawyer take the legal weight off your shoulders so you can focus on your health.
What About Disability Benefits for Entrepreneurs?
You might be asking, “Are there disability benefits for entrepreneurs specifically?”
While SSDI is the same program for everyone, there are a few things entrepreneurs should know:
- SSDI benefits are based on your prior income and contributions to Social Security. That includes self-employment taxes (SECA).
- If you haven’t paid into the system, you may still qualify for SSI, which is income-based.
- Your business may still generate income after you become disabled, but that income must be passive (e.g., rental property, silent ownership).
Your disability lawyer can help you figure out what kind of benefits you’re eligible for—and how to structure your business during your application.
What to Look for in a Disability Lawyer
Not all lawyers are the same. Look for someone who:
- Specializes in disability law
- Has experience working with self-employed clients
- Offers a free consultation
- Works on contingency (meaning you don’t pay unless you win)
- Take the time to explain things clearly and patiently
Ask questions about their experience with small business owners. A good lawyer won’t just file your paperwork—they’ll build a strong case that reflects your unique situation.
Struggling With a Disability While Running a Business?
Being a business owner comes with a lot of responsibility. But when your health gets in the way, you shouldn’t have to fight for benefits alone. If you’re asking yourself whether consulting a disability lawyer is worth it, the answer is yes.
They’ll help you cut through red tape, build a strong claim, and get the support you need.
Don’t wait until you’re overwhelmed. Whether you’re applying for SSDI for the first time or appealing a denial, our team is here to help.
At Disability Attorney Services, we specialize in working with entrepreneurs, freelancers, and self-employed individuals. We know the system—and we know how to make it work for you.
Start your free case review today. We don’t get paid unless you win. Let us help you take the next step. Contact us to learn more today.
