disability support business plan

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A ‘How To Start a Business Guide’ for Entrepreneurs with Disabilities

Starting a business can be quite challenging — though equally as rewarding — for those who pursue entrepreneurship . Perhaps for individuals with disabilities, this professional endeavor may come with additional obstacles. With the right resources and support, however, it is absolutely possible for professionals within the disability community to successfully start and run their own businesses. The following basic points outline the initial start-up steps, as well as resources available for guidance on how to establish a company, including developing a business plan, researching funding options, finding support and resources, networking and making connections, and securing a mentor. In addition, this guide also provides some state resources that may be helpful.

Starting a business is a big step and it’s important to have all the information and support you need to make it a success.

Tips for Entrepreneurs with Disabilities to Consider

• Develop a business plan: A business plan is a detailed document outlining business goals, strategies and projected financials. It is essential for securing funding and getting your business off the ground. The Small Business Administration (SBA) provides a guide to creating a business plan , including a template and example.

2. Find support and resources: There are several organizations dedicated to helping individuals with disabilities start and run their own businesses. The National Disability Institute (NDI), for example, provides resources, training and technical assistance to individuals with disabilities.

3. Network and make connections: Starting a business can feel like a lonely journey, but networking and making connections can help. Join a local or online community of entrepreneurs with disabilities , attend networking events and connect with other business owners. Explore information on the website of the National Association of Small Business Owners (NASBO), a national membership organization that provides resources and support to small business owners with disabilities .

4. Get a mentor: A mentor can provide valuable guidance, advice and support as you start and grow your business. Check out the SBA’s Small Business Mentor Protégé Program (SBMPP), which is a public-private partnership that matches small businesses with experienced mentors.

Additional Links

• Job Accommodation Network (JAN): A free service of ODEP, explore information about self-employment and starting a business from the Job Accommodation Network (JAN).
• Small Business Administration (SBA) : This federal agency provides assistance to current and prospective small business owners.
• Entrepreneurship for Youth with Disabilities : Click on this link to read content addressing how entrepreneurship education can be implemented, including suggestions on how to introduce self-employment as an option for all youth, including youth with disabilities .
• SCORE Small Business Mentors : Seasoned business professionals help entrepreneurs start businesses, grow companies and create jobs in local communities. Find a SCORE location near you to connect.
• Self-Employment: What to Know to Be Your Own Boss : Review this snapshot of information from the Bureau of Labor Statistics on self-employment.
• USA.gov Start Your Own Business : Here you’ll find resources to help you start your own business, including information on programs to help military veterans and minorities become entrepreneurs.

Entrepreneurs with Disabilities Can Explore State Resources

It’s also important to check additional resources available in your state of residence. Some states have their own agencies and resources for individuals with disabilities who are interested in starting a business. Here’s some general information on how you can find these resources:

• Check your state’s government website: Many states have departments or agencies that provide resources and support for individuals with disabilities who are interested in starting a business. You can search for “disability business resources” or “disability entrepreneurship” on your state’s government website to find more information.
• Contact your state’s Small Business Administration (SBA) office: The SBA has district offices in every state, and they can provide information on local resources and programs.
• Check your state’s vocational rehabilitation office: Many states have vocational rehabilitation offices that provide resources and support for individuals with disabilities who are looking to start a business.
• Look for organizations focused on disability and entrepreneurship: Some organizations have chapters in different states, which provide resources and support for individuals with disabilities embarking on entrepreneurship. Some examples include The National Disability Institute (NDI) and the National Association of Small Business Owners (NASBO).
• Research: You can also try searching online for “disability business resources” or “disability entrepreneurship” along with the name of your state to find more information on resources available in your area.

It’s important to note that resources available may vary depending on the state. Find what’s applicable to your business needs and begin your entrepreneurial endeavor.

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How to Start a Business

Opening a developmental disabilities business is your ticket to owning a good, stable business but it's important to plan out the business in detail before you start. We offer tips and advice that demystifies what it takes to be successful.

Thinking about opening a developmental disabilities business? We tell you what you need to know to get started.

How to Draft a Developmental Disabilities Company Business Plan

We know - writing a business plan can be a daunting task for a new entrepreneur.

There is nothing magical about a first-rate developmental disabilities company business plan. If you can get past the mystique, you'll see that a business plan just describes where your developmental disabilities business is headed and how you intend to get there.

Although there are many uses for a business plan, it's most important function is to guide your decision making and strategic planning.

If you still aren't sure where to begin, consider taking a look at several sample business plans to get the creative juices flowing.

Don't Ignore the Competition

Before you open a developmental disabilities business in your town, it's a good idea to determine what the competition looks like. We've provided the link below to help you find competitors in your city. Simply enter your city, state and zip code to get a list of developmental disabilities businesses in your town.

• Find Competing Developmental Disabilities Businesses

Is the established competition doing a good job? It's important to understand their strengths and weaknesses and think through how you'll stake up against those established businesses.

Learn from Others Who Are Already In This Space

If you are seriously contemplating launching a developmental disabilities business, it's essential that you speak with somebody who is already in the business. If you think owners of nearby developmental disabilities businesses will give you advice, think again. What's in it for them?

However, a fellow entrepreneur who has started a developmental disabilities business on the other side of the country may be more than happy to give you a few tips, as long as they don't view you as a competitive threat. In that case, the business owner may be more than happy to discuss the industry with you. Our estimate is that you may have to contact many business owners to find one who is willing to share his wisdom with you.

The key question new becomes: how to find a developmental disabilities business founder on the other side of the country to talk to?

No problem! Just use the link below and try a random city/state or zipcode. Then start dialing for advice until you are successful.

• Research Developmental Disabilities Business Owners In Other Cities

Purchasing a Developmental Disabilities Business

At Gaebler, we're big advocates of buying a developmental disabilities business instead of a startup. Yet the process of buying a developmental disabilities business introduces a new set of challenges.

As you would expect, there are a number of steps in buying a business . A business broker is the gateway to the buying process.

Business brokers specialize in helping buyers locate profitable developmental disabilities business opportunities. They are also adept at guiding you through the purchase process so you can avoid the mistakes that are commonly made by first-time developmental disabilities business owners.

Franchising May Be a Better Way to Go

The probabilities on your achieving your top business goals are much greater when you join the ranks of franchisees rather than going it alone.

Before you get too far along in your plan to open a developmental disabilities business, a smart move is to determine whether there are good franchise opportunities available that might make sense for you.

The link below gives you access to our franchise directory so you can see if there's a franchise opportunity for you. You might even find something that points you in a completely different direction.

• Consider Healthcare Services Franchise Opportunities

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These additional resources regarding getting started as an entrepreneur may be of interest to you.

Buying vs. Starting a Business

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79 Business Ideas for Disabled Individuals (Accessible Opportunities)

This content may contain affiliate links. As an Amazon Associate we earn from qualifying purchases. Check out our affiliate disclosure and our editorial standards .

Navigating the world of entrepreneurship can be challenging for anyone, but it may often seem even more daunting for individuals with disabilities.

However, with the right resources and determination, people with disabilities can create thriving businesses that cater to their unique strengths and skills. In recent years, there has been a surge of business ideas specifically designed for disabled individuals, unlocking countless opportunities for personal achievement and financial independence.

One key to success for disabled entrepreneurs is to focus on their abilities, rather than their limitations. This mindset encourages innovative thinking and allows individuals to explore unique business ideas that align with their specific needs and talents.

From coaching services for special needs children to designing creative materials, there are countless avenues for disabled individuals to excel in the world of entrepreneurship.

As we explore various business ideas for disabled individuals, it’s important to remember that the key to success lies in perseverance, adaptability, and the willingness to push boundaries. With these qualities in mind, disabled entrepreneurs have every opportunity to create fulfilling and successful ventures that cater to their unique experiences and strengths.

Understanding Disabilities

Physical disabilities.

Physical disabilities encompass a broad range of conditions that can limit a person’s ability to perform various tasks or activities. These disabilities may result from injuries, congenital conditions, or illnesses, and can impact a person’s mobility, dexterity, or stamina. Some common examples include spinal cord injuries, cerebral palsy, and muscular dystrophy.

Understanding the specific needs and limitations of those with physical disabilities is crucial when exploring appropriate business ideas, as it enables entrepreneurs to create more inclusive and accessible environments.

Starting a Business for Disabled Individuals

Business planning.

When it comes to starting a business, disabled individuals face unique challenges and opportunities. Aspiring entrepreneurs should begin by developing a well-thought-out business plan that details their goals, target market, and strategies to achieve success. The Small Business Administration (SBA) offers valuable resources and guidance for disabled individuals seeking to start their own business, including information on funding and assistive technology.

In addition, it is essential to consider the Americans with Disabilities Act (ADA) and ensure that the business complies with all accessibility requirements. This may involve implementing assistive technology in the workplace, such as adaptive software or hardware to accommodate employees with disabilities. Moreover, business owners should familiarize themselves with the Office of Disability Employment Policy (ODEP) , which offers resources and guidelines for promoting disability inclusion in the workplace.

Choosing Business Type

Disabled entrepreneurs have a wide variety of business types to choose from, and their decision should be guided by their skills, interests, and unique capabilities. Some potential options include:

• Self-employment : Many disabled individuals find success in self-employment, where they can create a flexible work environment tailored to their specific needs. This might involve offering consulting services or starting an e-commerce store.
• Accessible businesses : Some entrepreneurs choose to focus on creating businesses that cater specifically to the disabled community. Examples include accessible transportation services, custom assistive technology solutions, or specialized coaching and support for individuals with disabilities.
• Online-based businesses : The internet offers numerous opportunities for disabled individuals to start a business that requires minimal physical presence. Examples include web design, content creation, and online marketing services.

When choosing a business type, disabled entrepreneurs should assess their strengths and weaknesses, consider the resources they have available, and determine how their disability might impact certain aspects of the business. Doing so will help them create a successful and inclusive start-up that empowers both themselves and others in the community.

Business Ideas

Home-based businesses.

People with disabilities can benefit from the flexibility offered by home-based businesses, which accommodate various schedules and accessibility needs. Some popular home-based business ideas for disabled individuals include:

• Crafting and selling handmade products, such as jewelry or decorative items
• Offering consulting or coaching services based on personal expertise or experience
• Developing and selling digital products, like e-books or online courses

Utilizing technology can significantly enhance the success of a home-based business . For example, a person with mobility limitations might leverage e-commerce platforms to sell their products or services with ease.

Online Business Ideas For Disabled Individuals

The internet opens up a vast array of online business opportunities for people with disabilities. Various careers in the digital realm offer flexibility, adaptive technology, and remote work options. Here are a few ideas for online businesses:

• Affiliate marketing or content creation, where individuals can generate income through promoting products or services on their websites or blogs
• Virtual assistance, providing administrative or organizational support to clients from the comfort of home
• Online tutoring, teaching, or coaching in a specific subject or skill

Online businesses can also cater to the needs of the disabled population, offering services or products designed for individuals with specific disabilities. This niche market presents opportunities for disabled entrepreneurs to use their unique experiences and insights to create solutions and empathize with their target audience’s challenges.

• Virtual Assistant Services
• E-commerce Store
• Freelance Writing
• Social Media Management
• Online Tutoring
• Dropshipping
• Affiliate Marketing
• Graphic Design Services
• Web Development
• SEO Services
• Digital Marketing Services
• Online Personal Training
• E-book Writing and Publishing
• Handmade Crafts Seller on Etsy
• Life Coaching
• Online Course Creation
• Stock Photography Seller
• Remote Data Analysis
• Remote Customer Service
• Virtual Reality Gaming
• App Development
• Teletherapy or Online Counseling Services
• Virtual Bookkeeping
• Freelance Voice Over Artist
• Virtual Reality Tours
• Freelance Video Editing
• Subscription Box Service
• Online DIY Crafts Seller
• Virtual Home Staging

Service-Based Business Ideas For Disabled Individuals

Service-based businesses provide various employment opportunities and can be tailored to suit the needs and talents of people with disabilities. These businesses are often in high demand, as they offer valuable services to the community. Some examples of service-based businesses include:

• Personal training, coaching, or therapy services targeted at enhancing mental or physical health
• Providing specialized transportation services for people with disabilities who require accessible vehicles
• Home cleaning, organization, or maintenance services for individuals needing assistance in their living spaces

Service-based businesses allow disabled entrepreneurs to leverage their skills and experiences in a way that benefits their customers and themselves. Providing support to others with disabilities extends the impact and success of such businesses, as they cater to a specific population segment.

By exploring home-based, online, and service-based businesses’ options, people with disabilities can find the perfect fit for their skills, interests, and accessibility needs. With careful planning and adaptations, disabled entrepreneurs can create successful businesses, capitalizing on flexibility, technology, and supportive services.

• Bookkeeping and Accounting
• Professional Organizing
• Event Planning
• Personal Training
• Copywriting
• Professional Counseling
• Editing and Proofreading Services
• Voice Over Services
• IT Consulting
• Virtual Teaching or Tutoring
• Music Lessons
• Language Translation
• Home Staging
• Personal Shopping
• Art or Music Therapy
• Pet Care Services
• Nutrition Consultation
• Meditation Coaching
• Remote Tech Support
• Content Creation for Websites/Blogs
• Tailoring and Clothing Alteration
• Career Counseling
• Financial Advising
• Interior Design Consulting
• Tax Preparation
• Resume Writing Service
• Marketing Consulting
• Website Accessibility Consulting
• Digital Advertising Services
• Software Training
• Remote Personal Assistant Services

Funding and Financial Support

Government incentives.

For disabled individuals looking to start or enhance their businesses, various government incentives are available. These may include tax breaks, subsidies, and other benefits. The Internal Revenue Service (IRS) offers Accessible Forms and Publications that provide essential documents in accessible formats like Braille and large print. Leveraging such resources can help lower costs while ensuring compliance with federal regulations.

Apart from incentives, disabled entrepreneurs can also seek loans tailored to their specific needs. The Small Business Administration (SBA) guarantees loans through private lenders for people with disabilities who have good credit. These loans can help secure inventory, finance business expansions, and cover other essential expenses. With the backing of the SBA, lenders might offer more flexible terms and interest rates, making it easier to access financing.

The federal government offers grants for disabled persons looking to start or grow their businesses. These grants, unlike loans, do not have to be repaid. The National Disability Institute is one organization that provides information and resources regarding such grants. Additionally, the SBA maintains a list of grants that can make the process of searching for financial support more manageable and focused.

In addition to federal grants, some state and local governments, as well as private organizations, offer their financial assistance programs. Exploring these options can further expand the pool of available funding for disabled entrepreneurs.

Taking advantage of these various funding and financial support options can significantly increase the chances of success for disabled individuals looking to venture into business. Whether through government incentives, loans, or grants, these resources can help turn ideas into reality. With perseverance and the right support, disabled entrepreneurs can achieve their dreams and make a lasting impact in the business world.

Legal and Compliance

Office of disability employment policy.

The Office of Disability Employment Policy (ODEP) is a government organization focused on promoting policies and initiatives that support the employment of people with disabilities. They work towards developing and fostering a more inclusive workforce to ensure equal opportunities and access to resources for entrepreneurs with disabilities.

ODEP offers various programs and services, such as employment guidance, policy analysis, and technical assistance. These resources help businesses owned by entrepreneurs with disabilities comply with the Americans with Disabilities Act (ADA) , ensuring they provide equal opportunities for employees and customers alike.

Job Accommodation Network

The Job Accommodation Network (JAN) is another valuable resource focused on promoting the employment of individuals with disabilities. JAN offers free, confidential guidance on workplace accommodations and disability employment issues. They provide assistance to businesses, the disabled community, and service providers in understanding and implementing ADA compliant employment practices.

For entrepreneurs with disabilities, JAN offers various tools and resources, including:

• Information on reasonable accommodations : JAN helps businesses understand the types of accommodations they may need to provide for disabled employees under the ADA.
• Consultation services : JAN consultants provide personalized guidance and support to businesses needing assistance in developing ADA compliant practices.
• Training materials : JAN offers webinars, articles, and other resources to help businesses stay informed on ADA compliance and disability employment best practices.

By utilizing resources from both ODEP and JAN, entrepreneurs with disabilities can ensure they are operating within the legal requirements set by the ADA, providing equal opportunities for all employees and fostering a more inclusive and accessible work environment.

Marketing and Promotion

Digital marketing.

Promoting a business designed for disabled individuals necessitates a variety of digital marketing techniques. Start by conducting thorough research on the target audience to understand their needs and preferences. A solid online presence, with a user-friendly website and accessible design, plays a critical role in reaching this specific demographic.

Make use of social media platforms to promote your products or services and interact with potential customers. Develop a regular posting schedule and incorporate sponsored content to expand your reach. Explore the benefits of affiliate marketing by building partnerships with reputable affiliate marketers who understand and promote your product or service to the right audience.

Email marketing can be a valuable tool for cultivating long-lasting relationships with your customers. Craft informative newsletters, announce promotional offers, and solicit feedback to continually improve your customer service.

Inclusive Marketing

Embracing inclusion in your marketing strategy is essential to appeal to disabled individuals. Representing them in your ads and promotional materials demonstrates your commitment to creating an inclusive community.

Collaborate with influencers and ambassadors with disabilities to amplify your brand’s message. Their association with your business not only increases awareness among their followers, but it establishes your brand’s credibility within the disabled community.

Another significant aspect is making your marketing communication accessible. Consider incorporating alternative formats , such as video transcripts, image descriptions, and captions, to ensure you reach a diverse audience.

Additionally, feature your products or services in real-life situations, showcasing how they were designed to overcome challenges faced by disabled individuals. Such an approach helps potential customers better understand the value your business brings to their lives.

Lastly, invest in continuous education for your marketing team, equipping them with a deep understanding of disability-specific issues and inclusive language. This enables them to create empathetic and relevant content that resonates with the disabled community while building trust and loyalty.

Mental Disabilities

Mental disabilities, on the other hand, refer to cognitive, emotional, and psychological conditions that can affect a person’s abilities to think, learn, communicate, or regulate emotions. Common examples include dyslexia, autism, attention deficit hyperactivity disorder (ADHD), and other intellectual or learning disabilities.

These conditions may impact different aspects of an individual’s life, from social interactions to information processing or decision-making. Recognizing the unique strengths and challenges faced by individuals with mental disabilities is essential for developing business opportunities that accommodate their specific needs and preferences.

Both physical and mental disabilities can vary significantly among individuals. Therefore, when conceptualizing business ideas for disabled individuals, it’s essential to consider their unique abilities and the level of support they may require.

Designing adaptable work environments, exploring work-from-home opportunities, and leveraging technology can all contribute to a more inclusive and accessible business landscape for individuals with disabilities. Moreover, embracing disability-friendly practices not only benefits those with disabilities but also enhances the overall working environment for everyone involved.

So, when exploring and developing business ideas for disabled individuals, keep in mind the various types of disabilities and their specific needs. Understand the importance of promoting inclusion and accessibility for all by considering the diverse range of physical and mental disabilities.

Drawing upon this knowledge, entrepreneurs can create businesses that cater to the unique challenges and strengths of those with disabilities while fostering a more diverse and inclusive workforce.

Resources and Support

Entrepreneurship resources.

People with disabilities have various resources available to help them explore and succeed in entrepreneurship. One valuable resource is the Road to Self-Sufficiency , a guide to entrepreneurship for youth with disabilities published by the National Collaborative on Workforce & Disability for Youth (NCWDB).

Technology also plays a significant role in supporting disabled entrepreneurs, as it can bridge the gap between their unique needs and the requirements of running a business. Assistive technologies and apps help entrepreneurs with different types of disabilities, such as physical, mental, or sensory impairments. These tools allow them to access and manage information, communicate with others, and overcome various challenges.

Organizations Supporting Disabled Entrepreneurs

Many organizations are dedicated to providing resources, support, and networking opportunities for disabled entrepreneurs. One prominent organization is the Business Leadership Network , a national disability organization led by businesses to promote best practices in hiring, retaining, and marketing to people with disabilities. Another organization is the Chicagoland Entrepreneurship Education for People with Disabilities, which offers online coaching, training programs, and education to help disabled individuals launch and grow their businesses.

The Bureau of Labor Statistics’ Ticket to Work program is another valuable resource that aims to increase employment opportunities for people with disabilities by offering them choices in their support services. This program supports disabled entrepreneurs through access to training, job coaching, and other resources.

Veterans with disabilities can also find support through various programs and initiatives, such as the Veteran Affairs organization, which offers resources and assistance tailored to veterans’ specific needs.

In addition to these resources, disabled entrepreneurs can benefit from connecting with others who have gone through similar experiences; many online forums and communities provide spaces for sharing knowledge and insights, helping disabled individuals gain new perspectives and learn from others’ experiences.

Employment opportunities for disabled entrepreneurs will continue to diversify as technology, resources, and support systems become more accessible. By taking advantage of these opportunities, disabled entrepreneurs can achieve their goals and contribute to the growth of the economy.

Technology and Tools

Assistive technology.

Assistive technology plays a significant role in enabling disabled individuals to excel in business. These tools can help increase productivity, accessibility, and independence, making it possible for people with disabilities to embark on entrepreneurial ventures.

Examples of assistive technology include screen readers , speech recognition software, and alternative keyboards. Additionally, hearing aids and devices designed specifically for visually impaired individuals, such as Microsoft’s Seeing AI app , are available to enhance communication and decision-making abilities.

E-commerce offers immense opportunities for disabled individuals seeking to establish businesses online. Platforms like Shopify provide user-friendly solutions for creating and managing online stores.

They offer customizable templates, secure payment options, and seamless integration with various sales channels, making it easy for entrepreneurs with disabilities to run their businesses. Additionally, they can explore niche markets and products catered to the needs of other disabled individuals, further fostering inclusivity and empowerment within the community.

Online Platforms

Online platforms can help disabled entrepreneurs by providing resources, tools, and opportunities to grow their businesses. For example, disabled individuals can create content on blogging platforms or YouTube channels, leveraging their unique experiences and insights. Through these platforms, they can share information, promote products, and generate income from advertising, affiliate links, or sponsored content.

Affiliate marketing is another lucrative option for disabled entrepreneurs who prefer promoting products and services through their websites or social media channels. By signing up for affiliate programs and sharing affiliate links, they can earn commissions for every sale made through their referral.

In summary, technology and tools play a vital role in empowering disabled individuals to start and succeed in business. By capitalizing on assistive technology, e-commerce platforms, and online content creation, entrepreneurs can not only overcome physical limitations but also contribute significantly to the growth of their industries.

Remote Work and Inclusivity

Employment opportunities.

Remote work has revolutionized the employment landscape, offering new opportunities for entrepreneurs with disabilities. The increased flexibility of remote work enables individuals to access a global audience and available resources without needing the organization structure typically found within typical jobs.

Today, individuals with disabilities can leverage their unique perspectives and skillsets to create innovative businesses and offer valuable services.

Some remote work options for disabled entrepreneurs might include offering virtual consulting services, launching an e-commerce store, or developing digital products such as software applications or online courses. The widespread nature of the internet allows for greater inclusivity by increasing access to equitable employment opportunities.

Creating an Inclusive Work Environment

Inclusivity is an essential part of ensuring that remote work environments are not only accessible but also welcoming to employees with disabilities. Businesses and organizations can adopt a number of initiatives to make working remotely more inclusive for people with different abilities. These measures include incorporating accessibility features such as screen readers, voice recognition software, and adjustable workstation setups.

To further promote inclusivity in remote work settings, employers can encourage open communication and provide support for employees with disabilities. This may involve offering additional training or mentoring opportunities, creating employee resource groups, and fostering a sense of belonging through shared virtual spaces, such as online forums or team chat platforms.

In a remote setting, it is vital to recognize that invisible disabilities also require attention and understanding, as they can impact an employee’s performance or overall well-being. Employers can address these needs by adopting flexible scheduling, providing mental health resources, and encouraging work-life balance among their team members.

Case Studies and Success Stories

Successful disabled entrepreneurs.

There are numerous examples of successful disabled business owners who have overcome challenges and leveraged their unique experiences to create thriving businesses. For instance, some entrepreneurs with disabilities have ventured into coaching and consulting fields, sharing their knowledge and expertise with others in similar situations.

Online coaching has provided many disabled individuals with flexible and exciting business opportunities, allowing them to utilize their skills and experiences to guide others in various aspects of life, such as personal development, career planning, and even successful business ventures.

Another popular area for disabled business owners has been blogging , where they can share their insights and experiences with the world, often inspiring others in the process. Additionally, some disabled entrepreneurs have found success in franchises and dropshipping , as these models offer efficient ways to start a business with lower barriers to entry.

Innovative Companies

Several companies have recognized the potential of catering to the disabled community and have launched initiatives specifically targeting their needs. These businesses provide valuable resources and opportunities for disabled individuals, helping them overcome obstacles and achieve success.

For example, some companies focus on developing adaptive technologies, products, and services, making it easier for disabled persons to engage in everyday activities, work, and start their own businesses. Other companies have implemented training programs and resources to better equip disabled individuals with the knowledge and skills they need to excel professionally and personally.

In summary, the success stories of both disabled business owners and innovative companies supporting them showcase the tremendous opportunities available for individuals with disabilities in the world of entrepreneurship. By leveraging their unique experiences and harnessing their potential, they can thrive in various fields, paving the way for an inclusive and prosperous future.

Frequently Asked Questions

What are some viable self-employment options for disabled individuals.

Various self-employment options exist for disabled individuals, catering to different skills and interests. Some examples include freelance writing, graphic designing, and consulting services. Additionally, launching online stores or crafting handmade products can be a suitable choice. Gauge your abilities, passions, and market demands to identify the ideal entrepreneurial venture.

How can a person with special needs start their own enterprise?

Starting an enterprise as a person with special needs follows the same groundwork as any business venture. First, identify your business idea and conduct market research to understand the competition and target audience. Craft a thorough business plan, outlining objectives, strategies, and required resources. Secure necessary permits and licenses, and establish a presence through marketing and networking efforts.

What kind of government programs support entrepreneurship for disabled individuals?

Various government programs assist disabled entrepreneurs in achieving success. One notable resource is the Office of Disability Employment Policy (ODEP) , offering extensive information and support for disabled entrepreneurs. Additionally, consult your local government agencies and disability-focused organizations for potential grants, loans, and mentorship opportunities.

What products and services are in high demand for disabled people?

Demands vary among disabled people, with some key areas including assistive technology, accessibility solutions, and adaptive clothing. Moreover, there is a continual need for tailored services – both professional and personal – such as specialized tutoring, therapy, and personal care. Explore the market to identify gaps and cater to the unique needs of the disabled community.

How can someone with autism leverage their skills in a business venture?

Individuals with autism often possess unique skills, such as attention to detail, pattern recognition, and problem-solving abilities. Leveraging these strengths to build a business can yield successful outcomes. For instance, data analysis, coding, and quality control are some areas where autistic individuals can excel. Cultivate your skill set and consider niches where these abilities are highly valued.

What resources are available for starting a special needs program?

Various resources exist to support the establishment of special needs programs. Reach out to local disability organizations, community centers, and educational institutions for guidance on available resources and best practices. Additionally, consult established disability-focused enterprises and individuals for advice and support. Finally, explore online platforms dedicated to disability entrepreneurship, like the Entrepreneurship Resources for People with Disabilities PDF, to gather valuable insights and guidance.

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Empowering People with Disabilities: How to Start a Small Business

The below picture shows two individuals working in a Deli. One of those individuals has a disability. There is embedded wording that says Empowering People with Disabilities: How to start a small business.

Have you ever imagined the thrill of running your business or even starting a small business from home, following your passions, and attaining freedom? For people with disabilities, venturing into entrepreneurship can seem intimidating due to obstacles and challenges. Nevertheless, with determination and proper guidance these hurdles can be conquered, opening up a realm of possibilities.

Just picture the satisfaction and empowerment that arise from establishing a business that aligns with your skills and dreams. Envision the liberty to establish a workplace that values diversity and accessibility. Think about the delight of bringing your concepts to life while motivating others within the disability community to pursue their entrepreneurial endeavors.

In the United States, more than 1.8 million entrepreneurs with disabilities encounter barriers on their journey, towards economic independence. However, this figure also emphasizes the tenacity and resiliency of those who have chosen business as a way to become independent. This comprehensive guidebook seeks to inspire and equip prospective disabled business owners to overcome challenges with efficiency and take advantage of the opportunities that come with starting a company.

Understanding Your Rights and Available Resources to Start a Small Business

The Americans with Disabilities Act (ADA) is crucial in guaranteeing access and opportunities for people with disabilities. This important law also covers entrepreneurship protecting your rights as a business owner. A significant aspect of the ADA requires businesses to offer accommodations promoting inclusivity, for both customers and employees.

Thankfully there are plenty of support options for entrepreneurs facing disabilities. Through the Social Security Administration's Plan to Achieve Self Support (PASS) Program, people with disabilities can save money and assets for starting their own company without jeopardizing their benefits. Additionally, veteran business owners with service-related impairments can apply for contracts and get help through the Service Disabled Veteran Owned Small Business (SDVOSB) Program.

Getting in touch with advocacy groups focusing on disabilities like the National Disability Rights Network and the American Association of People with Disabilities can offer advice and a sense of community as you navigate through the world.

"Disability is not a brave struggle or 'courage in the face of adversity.' Disability is an art, an ingenious way of living." – Neil Marcus

Identifying Your Business Niche

Individuals with disabilities are more likely to be self-employed than their counterparts without disabilities, a testament to the entrepreneurial spirit that thrives in this community. When it comes to starting a small business , the key to success lies in identifying a niche that aligns with your passions, skills, and the market's needs.

Consider your talents, interests, and life experiences carefully before pursuing business. You may find that starting a virtual assistant business depends on your ability to maintain organization. Alternatively, your love for creating and eye for design could pave the way for a retail venture.

After brainstorming business ideas it's essential to validate them through market research. Dive into industry trends, define your target audience, and evaluate the competition. Utilize tools like Google Trends and social media analytics to gain insights into consumer behavior and market demand.

As you venture into the world of business ownership draw inspiration from individuals like Haben Girma. Her remarkable journey as a Deafblind graduate of Harvard Law School led her to establish Haben LLC—a consulting firm dedicated to enhancing accessibility in content, for businesses worldwide.

Developing a Business Plan: A Roadmap for Success

Once you have a business concept the next important step when launching a business is to create a detailed business plan. This plan will not only help you secure investments and collaborations but also steer your choices and keep your venture moving forward successfully.

Executive Summary

Begin by creating a captivating summary that highlights your company's vision, objectives, and what sets it apart. This part should encapsulate the core of your startup concept. Act as a prelude to your detailed strategy.

Market Analysis

To successfully launch a business it is crucial to research the market to understand your target audience, industry trends, and competition. This analysis will not guide your product or service offerings. Also influence your marketing and sales approaches, setting the foundation for a successful start.

Products and Services

Please describe your products or services thoroughly focusing on what makes them special and how they meet the needs of your target audience. Highlight any features that make them accessible and inclusive, to people, with abilities.

Marketing and Sales Strategies

Create a marketing and sales plan that highlights your approach to advertising your business and connecting with your desired customer base successfully. Explore utilizing marketing platforms, social media, and collaborations, with communities to expand your outreach and build a prominent brand identity – crucial elements in launching a small business in today's competitive environment.

Operations and Management

Please describe how your business organized the aspects to consider and the staffing needs. This part should explain your strategy for establishing an inviting workplace that follows the rules and provides a welcoming environment for both employees and customers, with disabilities.

Financial Projections

Remember to include forecasts, such, as revenue predictions, expense estimates, and profitability analyses. These projections will not just showcase the feasibility of your business concept. Also, steer your financial decision-making process as you navigate the steps to start a small business.

It's important to integrate considerations for accessibility into your plan ensuring that your products, services, and business operations are inclusive and welcoming to people with abilities.

Getting support from organizations can greatly assist you in creating a business plan that covers all essential aspects of your venture. This will set you on the path to success as you undertake the journey of starting a business.

The below infographic demonstrates how to craft a comprehensive business plan.

Financing Your Business

To make your company idea become a reality, you must have sufficient cash. As a disabled entrepreneur, you may choose from a variety of funding sources:

Small Business Loans: Various lenders, including traditional banks, credit unions, and online lenders, offer loans specifically tailored for small businesses.

Grants: Grants are available to assist entrepreneurs with disabilities through organizations such as the Disability Innovation Fund and the Disability Employment Initiative.

Crowdfunding: Some platforms allow you to raise funds from a broad base of supporters, leveraging the power of social media to promote your campaign.

Investors: Finding venture capitalists or angel investors can help you get the money you need to develop and expand.

It's critical to make a strong business case that highlights your distinct value offer, market potential, and success tactics when meeting with possible lenders or investors. Furthermore, be ready to talk about your plans for establishing a welcoming and accessible workplace.

Here's a comparison table showcasing the advantages and potential drawbacks of various financing options:

Setting Up Your Business for Success

Now that you have your company strategy and the money you need, it's time to lay the operational and legal groundwork for your endeavor. Priority one should be given to selecting the right business form, such as an LLC, partnership, or sole proprietorship. Your personal accountability, operational responsibilities, and tax duties will all be impacted by your decision.

After that, make sure your company complies with all relevant rules and regulations by registering it with the relevant state and municipal authorities. Getting the required licenses and permissions is also essential because failing to do so may result in expensive penalties or legal repercussions.

Creating a distinctive brand identity is crucial to setting your company apart in a crowded market. Create a captivating brand narrative that speaks to your target market and captures your principles as a disabled business. Make use of social media and digital platforms to create a compelling online presence that highlights the qualities and services of your company. Having a solid online presence and online marketing plan is crucial if you're thinking about how to launch a small business online.

It is important to take into account both digital and physical factors when designing an accessible workplace. Make sure that the physical space of your company, its website, and its digital tools are all created with universal accessibility principles in mind, meeting the needs of people with a range of abilities.

By laying a solid foundation for your business, you'll be better equipped to navigate the challenges and capitalize on the opportunities that lie ahead. Remember, success is not just about having a great idea; it's about executing that idea with dedication, adaptability, and a commitment to accessibility and inclusivity.

Marketing Strategies for Small Businesses

Effective marketing is the lifeblood of any successful small business. As an entrepreneur with a disability, you can leverage cost-effective strategies to reach your target audience and build brand awareness:

Social Media Marketing: Social media sites like Facebook, Instagram, and Twitter are effective tools for interacting with clients, telling your brand's narrative, and advertising goods and services.

Content Marketing: By regularly producing and disseminating informative material, including podcasts, videos, and blog articles, you may become an authority in your field and draw in new clients.

Email Marketing: Building an email list and sending regular newsletters or promotions can nurture customer relationships and drive sales.

Local Networking: Attending community events, joining professional associations, and collaborating with other businesses can open doors to new opportunities and partnerships.

Remember to ensure that your marketing materials and campaigns are inclusive and accessible, catering to the diverse needs of your audience.

"The only disability in life is a bad attitude." – Scott Hamilton

Managing Your Business

The need for efficient administration increases as your small firm expands. Set precise objectives, procedures, and measurements to track your development and pinpoint areas that need work. To maximize productivity and simplify processes, make use of productivity applications and project management software. These tools might be especially helpful if you're trying to launch a small company from home in order to keep organized and efficiently manage your time.

Encouraging an inclusive and accessible workplace should be a primary concern when it comes to employing and managing staff. As part of your corporate culture, prioritize diversity and inclusion, provide reasonable modifications, and make sure that your hiring and onboarding procedures are accessible to people with disabilities. Creating a varied and inclusive staff may improve your company's outlook and offer insightful viewpoints in addition to creating a happy work atmosphere.

Maintaining competitiveness in a corporate environment that is always changing requires ongoing education and professional growth. Look for training programs, go to business gatherings, and aggressively pursue mentoring from seasoned businesspeople, both inside and beyond the disability community. You may find new avenues for development and innovation by keeping abreast of evolving technology, best practices, and industry trends.

Strategic planning, operational excellence, and a dedication to fostering an inclusive and encouraging work environment are all necessary for effective management. You'll be in a better position to overcome obstacles, seize opportunities, and promote a culture of success and ongoing growth if you give these areas of your company priority.

Scaling Your Business

As your small business becomes more popular and successful, you could start thinking about ways to grow it. You may meet the changing demands of your target market and create new revenue streams by broadening the range of products or services you offer. This might entail entering new markets that complement your core skills or offering supplementary goods or services.

Whether you're targeting a different demographic or broadening your geographic reach, exploring new markets or client segments may help spur growth. Promising growth prospects may be identified with the use of digital technologies and comprehensive market research. For instance, you could find undiscovered markets for your goods or services in other areas, among particular demographics, or inside communities.

Recall that growing your company can necessitate obtaining more finance, forming strategic alliances, or even recruiting more personnel. Regularly review your company strategy and financial predictions and make any required revisions to reflect your desired rate of development. To obtain the funds needed for expansion, you might need to look at alternatives like crowdsourcing campaigns, angel investors, and small company loans.

It's also critical to make sure that your organizational culture, operational processes, and infrastructure can support growth. Using technology, implementing effective procedures, and creating a cooperative and inclusive work environment can enable your business to expand without hindrance while upholding a high standard of quality and client satisfaction.

By carefully evaluating growth opportunities, securing the necessary resources, and adapting your business model as needed, you can position your small business for sustainable expansion and long-term success in an ever-changing market landscape.

Frequently Asked Questions (FAQs)

How can i ensure my business is accessible to customers with disabilities.

Prioritize accessibility from the outset by incorporating universal design principles in your products, services, and physical/digital spaces. Consult with disability experts, conduct accessibility audits, and seek feedback from customers to continuously improve your business's inclusivity.

Are there any tax benefits or incentives for entrepreneurs with disabilities?

Yes, several tax credits and deductions are available to support entrepreneurs with disabilities, such as the Disabled Access Credit and the Work Opportunity Tax Credit. Consult with a tax professional or visit the IRS website for more information.

How can I balance managing my disability and running a small business?

Be proactive in seeking accommodations and support systems that allow you to effectively manage your disability while running your business. Leverage assistive technologies, flexible work arrangements, and task delegation when necessary. Remember to prioritize self-care and avoid burnout.

What legal considerations should I be aware of as a business owner with a disability?

Familiarize yourself with relevant laws and regulations, such as the Americans with Disabilities Act (ADA), the Fair Housing Act, and state/local accessibility requirements. Ensure your business practices, facilities, and digital presence are compliant to avoid potential legal issues.

How can I network and collaborate with other entrepreneurs with disabilities?

Join local or online communities, attend disability-focused business events, and engage with advocacy organizations like the National Disability Rights Network or the American Association of People with Disabilities. Networking and collaboration can provide valuable support, mentorship, and partnership opportunities.

Final Thoughts on Embracing Your Entrepreneurial Journey

Starting a small business as an individual with a disability is a challenging yet rewarding journey. By understanding your rights, leveraging available resources, and following best practices, you can overcome barriers and achieve entrepreneurial success.

Remember, your disability is not a limitation but a unique perspective that can fuel innovation, resilience, and empathy – qualities that are invaluable in the business world. Embrace your entrepreneurial spirit, stay committed to your vision, and never underestimate the impact your business can have in creating a more inclusive and accessible world.

Take the first step today by exploring your business ideas, connecting with supportive communities, and crafting a comprehensive plan to turn your dreams into reality. The path to entrepreneurial empowerment awaits, and with determination and perseverance, you can pave the way for others to follow.

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Start » strategy, 15+ resources for entrepreneurs with disabilities.

Entrepreneurship is an important financial option for disabled adults. These resources can help eliminate barriers to entry for entrepreneurs with disabilities.

Becoming an entrepreneur is an often overlooked and important financial option for disabled adults who do not, or cannot, work full time. According to the National Disability Institute (NDI) , as of April 2022, 74% of disabled adults in the United States work outside the traditional labor force, and roughly 1.8 million disabled adults are business owners.

Per the NDI, these 1.8 million business owners with disabilities face barriers to gainful self-employment that their nondisabled counterparts do not. To help eliminate these barriers, several resources are available to entrepreneurs with disabilities.

Office of Disability Employment Policy

The Office of Disability Employment Policy (ODEP) promotes a number of initiatives to assist would-be disabled business owners and professionals in accessing institutions and communities that will support their professional goals:

• The Partnership on Inclusive Apprenticeship helps fund and connect disabled entrepreneurs to mentors, employment opportunities, and training programs.
• The Partnership on Employment & Accessible Technology helps promote the employment, retention, and career advancement of disabled Americans.
• The Job Accommodation Network provides free expert advice on how disabled workers can best advocate for their needs at work.
• The Employers Assistance and Resource Network on Disability Inclusion helps employers recruit disabled workers and support their careers.

Plan to Achieve Self-Support Program

In addition to the initiatives supported by the ODEP, the U.S. Social Security Administration (USSA) operates a program called the Plan to Achieve Self-Support (PASS) , which helps people with disabilities tailor the structure and frequency of any Social Security payments they may receive to support their job search, entrepreneurial goals, and other professional projects.

In order to qualify for the PASS program, you must present a work goal or business plan to the Social Security Administration. You may also need to work with a vocational rehabilitation counselor or benefits specialists and protection and advocacy organizations to flesh out and quantify those goals so USSA staff can measure them to maintain your eligibility.

[Read More: Writing a Business Plan? Here's How to Do It, Step by Step ]

The United States Disability Chamber of Commerce operates programs to support disabled entrepreneurs and professionals.

2Gether International

As an alternative to government agencies, the nonprofit 2Gether International works to advance disabled entrepreneurs by connecting them to other disabled business owners, supportive groups and organizations, and the broader world of professional networking.

2Gether International helps to maintain the Disability Startup Network, which hosts networking events for disabled entrepreneurs and professionals to support their goals and help them advocate for themselves in the workplace. The organization also offers spring and fall cohort programs, which help promote disabled persons and their careers; Venture Labs, which supports new disabled startup founders; and the 2GI Startup Meetup, which supports disabled startup entrepreneurs at various stages in their careers.

Assistive technology business loans

Not only do organizations exist to support disabled entrepreneurs’ careers, but technological and therapeutic techniques continue to be developed to allow disabled entrepreneurs to take a more active and involved role in their businesses. While these interventions may be expensive, organizations like the National Deaf-Blind Equipment Distribution Program , the Bellows Fellows , the Brighter Tomorrow Grant , and the Muscular Dystrophy Association National Equipment Program exist to help disabled entrepreneurs access biotechnical and therapeutic support.

SBA Resource Partners for entrepreneurs

The U.S. Small Business Administration (SBA) also operates several resource programs to assist not only disabled entrepreneurs but entrepreneurs in general. Some of the options provided by the SBA include:

• Small Business Development Centers , which help provide general entrepreneurial training and counseling.
• Veterans Business Outreach , which connects former armed service members beginning their careers with professional, entrepreneurial opportunities.
• Women’s Business Centers , which provides training, counseling, and resources to women-owned businesses.

[Read More: 17 Free Resources for Small Businesses to Leverage Year-Round ]

The United States Disability Chamber of Commerce

The United States Disability Chamber of Commerce (USDCC) helps collate resources, both for disabled entrepreneurs and professionals and for organizations that may be interested in working with them. The USDCC operates programs to support disabled entrepreneurs and professionals and offers certificates to help entrepreneurs and professionals brush up on and vouch for their skills. Finally, the USDCC offers membership programs to assist disabled entrepreneurs and professionals in networking, raising awareness for their businesses, and reaching their career goals.

[Read More: 5 Benefits of Joining Your Local Chamber of Commerce ]

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7 Steps for Starting Your Own Business When You Have a Disability

Credit: Jenny Wise, Freelance Writer Date: February 15, 2019

With all the online resources available to business owners today, there has never been a better time to start a business. And when you have a disability, bypassing the limitations of a traditional job and doing your own thing could be all it takes to experience productivity and profit. So, if you have an entrepreneurial spirit, consider starting your own business with these seven steps.

Consider Your Options The first thing you want to do is think about your work environment. Many people with disabilities buy a franchise or open a start-up in a standalone establishment. While these may work best for certain types of businesses (restaurants, coffee shops, etc.), one big advantage of the internet is that you can start countless types of businesses from your home. For instance, e-commerce — which refers to selling products online — is steadily growing in popularity. Fortunately, there are many guides online that can guide you through the process of starting an e-commerce business, from planning to execution .

Research Funding Options There are several government loans and grants available at the state and federal level to help people with disabilities start a business. Start by looking into your state’s Department of Labor/Commerce to see if any incentives are available. Also, Ticket to Work is a program that helps those with disabilities live more independently and assists them with starting businesses.

Look into Drop shipping E-commerce is a booming industry, and one of the most popular models being used in the e-commerce marketplace is drop shipping . This is because it’s a highly efficient model that cuts down upfront investment costs significantly and eliminates the need for you to keep physical inventory. Basically, with drop shipping, you find suppliers that have products you want to sell. Then, you put whatever items you want in your online store. When a customer places an order, you order the purchased products from the supplier, who ships the products to the customer.

Make Your Product Special Even with the advantages that come with e-commerce, you need to do something to make your products stand out . This is perhaps easier to do if you are crafting a handmade product such as jewelry, clothing, or crafts because each item will have a personal touch that you can market. However, if you’re running a store from your home and using drop shipping, you will need to think of other ways to stand out from the other companies doing the same.

Prioritize Service No matter what kind of business you start, customer service should be a top priority — possibly even before your product. Providing exceptional service will help your company stand out, especially in an e-commerce and drop shipping setting. It will build customer trust and inspire repeat customers because many customers care more about being treated right than they do price. Plus, if you build a business around service, you can build your brand awareness.

Discover Your Customer Base Finding your customers is a difficult task. Having a unique product and/or great service will naturally help build your customer base. Of course, if you want to go to the next level, marketing must be a priority. There are many budget-friendly ways to market your company and build your name. Here are a few of them:

• Collaborate with other non-competing businesses on products, services, promos, etc.
• Network everywhere you go.
• Utilize email marketing.
• Always have a special, coupon, or promo going on.
• Offer occasional giveaways via email and social marketing.

Build a Good Website Your website is also a big part of your marketing strategy to gain customers, and it’s now easier than ever to create a sufficient website on a budget. Along with having overall appeal, it’s essential for your website to be easy to navigate and mobile-friendly. Even if your primary store is through a major e-commerce website like Etsy or Amazon, you should make sure it looks professional by proofreading and regularly updating your products and photos.

If you have the desire and energy to start your own business, a disability doesn’t have to hold you back. Following these steps will help to give you a good start. Take advantage of the time you live in and go out there and start the company of your dreams!

Photo Credit: Pexels

Simple Steps for Launching a Small Business When You Have a Disability

People with disabilities often face unique challenges when it comes to starting a small business. But with some careful planning and the right tools, many overcome these obstacles and set their businesses up for success.

There’s no reason your disability should hold you back if you have an entrepreneurial spirit and a stellar business idea. Consider these practical abouttmc.com tips for starting your journey to a successful and fulfilling business experience.

Write a Business Plan

The first step in starting any small business is to write a business plan. This document will outline your business goals, strategies, and how you plan on achieving them. It’s important to be as specific as possible when writing your business plan. For people with disabilities, this may include things like how you will accommodate your needs in the workplace or how you will manage your time if you have limited mobility.

Form an LLC

Once you have a solid business plan in place, it’s time to form a legal entity for your company. This can be done by forming a limited liability company (LLC). LLCs offer several benefits for small businesses, including personal asset protection and tax advantages . For people with disabilities, forming an LLC can also help you secure funding from organizations that support businesses owned by people with disabilities.

Digitize Your Records and Combine PDFs

One of the keys to running a successful small business is staying organized. This can be difficult for people with disabilities who may have trouble accessing physical records or files. Digitizing your records and storing them in PDF format is an excellent way to overcome this obstacle .

Additionally, many software programs and tools allow you to combine multiple PDFs into one document, which can further streamline your record-keeping process. Wondering how to combine PDF files? The right online resources can provide all the information you need.

Create an Accessible Office

If you have a physical disability, it’s crucial to ensure your office is accessible. This includes things like having wide doorways and hallways , equipping bathrooms with grab bars, and offering ample parking for people with disabilities.

You may also want to consider adding features like an elevator or wheelchair ramp if your business is located in a multi-story building. By making your office accessible, you’ll not only be able to accommodate your own needs but also those of your employees and customers.

Market Your Business

No matter what type of small business you run, marketing is essential for attracting customers and growing your client base . For people with disabilities, there are several ways to market your business effectively without spending a lot of money. Building your online presence is an excellent place to start. Here are a few tips for doing just that:

• Establish a strong social media presence. Use social media to connect with potential and current customers, and to share information about your business.
• Make sure your website is well-designed and easy to navigate. The more professional your website looks, the more credibility your business will have.
• Use search engine optimization (SEO) to make sure your website appears near the top of search engine results pages. SEO can be complex, but there are many resources available to help you get started.
• Invest in online advertising. Paid advertising can be a very effective way to reach more potential customers online.
• Participate in online forums and discussion boards related to your industry. This can help you build relationships with potential customers and gain insights into what they’re looking for.

You can also participate in local events or networking groups focused on disability-owned businesses. And don’t forget about traditional marketing methods like print advertising or direct mail campaigns. By using a mix of marketing tactics , you’ll be able to reach more potential customers and grow your small business successfully.

Automate and Streamline Your Finances, Inventory, and Operational Processes

Once your small business takes off and scales, consider looking into an ERP system like Microsoft Dynamics 365 Business Central , to automate your business processes.

Because Dynamics 365 Business Central is designed to unify a business’s finance, manufacturing, customer relationship management, supply chains, analytics, and electronic commerce operations, you’ll be able to work more efficiently and improve your productivity with ease and confidence!

In addition, Microsoft is committed to inclusive design and accessible products and content that improves their user’s productivity, which is why Dynamics 365 Business Central is a great choice for people with a disability.

Starting a small business can be daunting for anyone, but it doesn’t have to be impossible if you have a disability. You can set your business up for success by electing the right business structure, staying organized, and implementing the other tips above. Get ready to launch your small business with a bang!

Would you like learn more about our #1 Microsoft business solutions platform to help your business? Contact us today to see how we can help you get started!

How much does it cost to start a disability care business?

By alex ryzhkov, disability care bundle.

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Introduction

Welcome to our blog post on disability care, where we explore the latest statistical information about the industry and its growth. Disability care is a vital service that provides support and assistance to individuals with disabilities, enabling them to lead fulfilling lives and participate fully in their communities.

According to recent data, the demand for disability care services in the US has been steadily increasing over the years. With advancements in medical technology and a growing awareness of the importance of inclusive care, more individuals and their families are seeking specialized support to meet their unique needs.

As the industry continues to evolve, it is crucial to understand the various aspects of disability care, including the business models that support its operations. In this blog post, we will explore one potential business model - the fee-for-service model - which offers flexibility, personalized care, and financial sustainability.

By adopting a fee-for-service model, disability care providers can offer specific services as needed, such as assistance with activities of daily living, transportation, or specialized therapies. This approach ensures that individuals receive the support they require while allowing the business to be compensated for the services provided.

Furthermore, partnering with government agencies or insurance companies can provide additional financial support and expand the potential customer base. This collaboration allows disability care providers to reach a wider audience and offer their services to those who may not have been able to afford them otherwise.

In the following sections, we will delve into the operating expenses that disability care businesses typically encounter. From staff wages and salaries to training and professional development expenses, we will explore the various costs involved in running a successful disability care operation.

Join us as we uncover the intricacies of disability care and gain insights into the financial aspects that contribute to its sustainability and growth.

Operating Expenses

Operating costs are an essential aspect of providing disability care services. These expenses encompass various aspects of running a disability care facility and ensuring the well-being of individuals with disabilities. Understanding and managing these costs is crucial for the sustainability and effectiveness of disability care organizations.

Each of these operating expenses plays a vital role in ensuring the quality of disability care services. From providing competitive wages to attracting and retaining skilled staff, to maintaining safe and suitable facilities, to covering potential liabilities through insurance, all these costs contribute to the overall functioning and success of disability care organizations.

Moreover, investing in ongoing training and professional development ensures that staff members are equipped with the necessary skills and knowledge to provide the best possible care to individuals with disabilities. Additionally, transportation expenses and administrative costs are essential for facilitating smooth operations and ensuring efficient service delivery.

While operating expenses may vary depending on the size, location, and specific services offered by disability care organizations, understanding and managing these costs is crucial for maintaining financial stability and providing high-quality care to individuals with disabilities.

Staff wages and salaries

When considering the business model for disability care, it is important to take into account the wages and salaries of the staff members who will be providing the services. The compensation of these individuals is crucial in attracting and retaining qualified and dedicated professionals in the field.

According to the latest statistical information, the average annual wage for direct support professionals in the United States is approximately $28,000 to $35,000. This figure can vary depending on factors such as location, experience, and level of education. It is important to note that these wages may be higher for individuals with specialized skills or certifications.

Additionally, it is important to consider the wages and salaries of administrative staff, managers, and supervisors who play a crucial role in overseeing the operations of the disability care business. The average annual salary for these positions can range from $40,000 to $60,000, again depending on various factors.

It is essential to ensure that staff members are compensated fairly for their work, as this not only promotes job satisfaction and loyalty but also contributes to the overall quality of care provided to individuals with disabilities. Adequate wages and salaries can attract and retain skilled professionals, reducing turnover rates and maintaining continuity of care.

When developing the business model for disability care, it is important to allocate a portion of the budget towards staff wages and salaries. This ensures that the business can attract and retain qualified professionals, providing the highest level of care to individuals with disabilities.

In addition to the fees charged to individuals or their families for services, it may be necessary to explore partnerships with government agencies or insurance companies to provide additional financial support for staff wages and salaries. This can help alleviate the financial burden on the business while expanding the potential customer base.

In conclusion, staff wages and salaries are a crucial aspect of the business model for disability care. By offering competitive compensation, businesses can attract and retain qualified professionals, ultimately enhancing the quality of care provided to individuals with disabilities.

Rent or lease payments for facilities

When considering the business model for disability care, one important aspect to consider is the cost of renting or leasing facilities. The cost of facilities can vary depending on factors such as location, size, and amenities. It is crucial to carefully analyze the financial implications of these payments to ensure the sustainability and profitability of the business.

According to the latest statistical information, the average rent or lease payments for disability care facilities in the US range from $2,000 to $10,000 per month, depending on the region and the size of the facility. These costs can significantly impact the overall expenses of the business and should be factored into the pricing of services provided.

It is essential to consider the specific needs of the disability care business when selecting a facility. The facility should be accessible and equipped to meet the unique requirements of individuals with disabilities. This may include features such as ramps, wide doorways, accessible bathrooms, and specialized equipment.

When budgeting for rent or lease payments, it is also important to consider additional expenses such as utilities, maintenance, and insurance. These costs can vary depending on the size and condition of the facility.

One potential strategy to mitigate the financial burden of rent or lease payments is to explore partnerships with government agencies or insurance companies. These entities may provide financial support or subsidies to disability care providers, helping to offset the cost of facilities. Collaborating with these organizations can also expand the potential customer base and increase the overall sustainability of the business.

In conclusion, rent or lease payments for facilities are a significant consideration when developing a business model for disability care. The cost of facilities can vary, and it is crucial to carefully analyze and budget for these expenses. Exploring partnerships with government agencies or insurance companies can provide additional financial support and help expand the customer base.

Insurance premiums for liability coverage

When it comes to providing disability care services, it is important for businesses to consider liability coverage to protect themselves from potential risks and lawsuits. Insurance premiums for liability coverage can vary depending on various factors, including the size and scope of the business, the types of services provided, and the location.

According to the latest statistical information, the average annual insurance premiums for liability coverage in the United States range from $500 to $3,000 for small disability care businesses. However, these figures can increase significantly for larger organizations or those offering more specialized services.

It is crucial for disability care businesses to carefully assess their insurance needs and shop around for the best coverage options. Factors such as the level of coverage, deductibles, and the reputation of the insurance provider should all be taken into consideration when determining the cost of premiums.

Additionally, partnering with government agencies or insurance companies can provide an opportunity for disability care businesses to access additional financial support and potentially reduce the burden of insurance premiums. These partnerships can help expand the potential customer base and provide a more sustainable business model.

In conclusion, insurance premiums for liability coverage in the disability care industry can vary depending on several factors. It is important for businesses to carefully assess their insurance needs and explore partnership opportunities to ensure they are adequately protected while providing quality care to individuals with disabilities.

Medical supplies and equipment costs

When it comes to disability care, medical supplies and equipment play a crucial role in ensuring the well-being and comfort of individuals with disabilities. These supplies and equipment can range from basic items like wheelchairs and walkers to more specialized equipment such as ventilators or communication devices. However, it is important to note that the costs associated with these medical supplies and equipment can vary significantly.

According to the latest statistical information, the average cost of medical supplies and equipment in the United States can be quite substantial. For example, a basic manual wheelchair can cost anywhere from $100 to $500, while a motorized wheelchair can range from $1,500 to $30,000 or more. Similarly, a walker can cost between $50 and $200, depending on the features and specifications.

For individuals requiring more specialized equipment, the costs can be even higher. A ventilator, which is essential for individuals with respiratory conditions, can cost upwards of $5,000. Communication devices, such as speech-generating devices, can range from $1,000 to $10,000 or more, depending on the complexity and functionality.

It is important for disability care providers to consider these costs when developing their business models. The fee-for-service model mentioned earlier can help ensure that the costs of medical supplies and equipment are covered. By charging individuals or their families for specific services, including the use of medical supplies and equipment, the business can generate revenue to offset these expenses.

Additionally, disability care providers may explore partnerships with government agencies or insurance companies to help alleviate the financial burden. These partnerships can provide additional financial support and potentially expand the customer base, making disability care more accessible to those in need.

In conclusion, the costs associated with medical supplies and equipment in disability care can be significant. It is crucial for disability care providers to consider these costs when developing their business models and ensure that they are adequately compensated for the services provided. By exploring partnerships and utilizing a fee-for-service model, disability care businesses can navigate the challenges of medical supplies and equipment costs while still providing personalized and essential care to individuals with disabilities.

Training and professional development expenses

Training and professional development are crucial aspects of providing high-quality disability care. It is essential for caregivers and staff members to receive ongoing training to stay updated with the latest techniques, best practices, and regulations in the field. These expenses are an investment in the quality of care provided and the overall success of the business.

According to recent statistical information, the average annual training and professional development expenses in the disability care industry in the US amount to approximately $2,500 per employee. This includes costs associated with attending workshops, conferences, and seminars, as well as online courses and certifications.

These expenses cover a wide range of topics, including disability-specific training, communication and interpersonal skills, behavior management, first aid and CPR, and legal and ethical considerations. Additionally, ongoing professional development helps caregivers stay informed about advancements in assistive technology, specialized therapies, and other innovative approaches to disability care.

Investing in training and professional development not only enhances the skills and knowledge of caregivers but also improves the overall quality of care provided to individuals with disabilities. It ensures that caregivers are equipped to meet the unique needs of each individual and provide personalized, compassionate, and effective support.

Furthermore, ongoing training and professional development can contribute to the retention and job satisfaction of caregivers. It demonstrates that the business values their growth and development, which can lead to increased employee loyalty and motivation.

In conclusion, training and professional development expenses are an essential component of the business model for disability care. By allocating resources to these areas, businesses can ensure that their caregivers are well-equipped to provide the highest standard of care to individuals with disabilities.

Utilities and maintenance costs for facilities

When considering the business model for disability care, it is important to factor in the utilities and maintenance costs for facilities. These costs can have a significant impact on the overall financial sustainability of the business.

According to the latest statistical information, the average monthly utilities cost for a facility providing disability care in the US is approximately $2,500. This includes expenses such as electricity, water, heating, and cooling. It is important to note that these costs can vary depending on the size of the facility and the specific services provided.

In addition to utilities, maintenance costs for facilities also need to be taken into account. This includes regular upkeep, repairs, and renovations to ensure a safe and comfortable environment for individuals with disabilities. The average annual maintenance cost for a disability care facility in the US is around $15,000.

These costs can be significant, but they are necessary to provide a high-quality and safe environment for individuals with disabilities. It is important for disability care businesses to budget and plan accordingly to ensure that these expenses are covered.

One way to mitigate these costs is to implement energy-efficient measures, such as using LED lighting, installing programmable thermostats, and investing in energy-efficient appliances. This can help reduce monthly utility bills and lower the overall environmental impact of the facility.

Furthermore, regular maintenance and inspections can help identify and address any potential issues before they become major problems. This proactive approach can help minimize repair costs and ensure that the facility remains in good condition.

Overall, utilities and maintenance costs for facilities are an important consideration when developing a business model for disability care. By carefully managing these expenses and implementing energy-efficient measures, disability care businesses can provide a safe and comfortable environment for individuals with disabilities while also maintaining financial sustainability.

Transportation expenses for clients

Transportation is a crucial aspect of disability care, as it enables individuals to access necessary services and participate in community activities. However, transportation expenses can often be a significant financial burden for clients and their families.

According to the latest statistical information, the average transportation expenses for clients with disabilities in the US amount to approximately $1,200 per month. This includes costs associated with accessible vehicles, specialized equipment, fuel, maintenance, and hiring transportation services when needed.

For many individuals with disabilities, public transportation may not always be a viable option due to limited accessibility or specific mobility needs. As a result, they may rely on private transportation services or accessible vehicles, which can significantly increase their transportation expenses.

Addressing the transportation needs of clients is essential for disability care providers. By offering transportation assistance as part of their services, providers can alleviate the financial burden on clients and ensure their access to necessary care and community engagement.

One potential approach to managing transportation expenses is to partner with local transportation providers or establish a dedicated transportation service within the disability care business. This can help reduce costs by leveraging existing resources and negotiating favorable rates for clients.

Additionally, exploring partnerships with government agencies or insurance companies can provide opportunities for financial support. These entities may offer subsidies or reimbursement programs specifically aimed at covering transportation expenses for individuals with disabilities.

By actively addressing transportation expenses for clients, disability care providers can enhance the overall quality of care and improve the accessibility of their services. This not only benefits the clients and their families but also contributes to a more inclusive and supportive community for individuals with disabilities.

Administrative and office expenses

When considering the business model for disability care, it is important to take into account the administrative and office expenses that will be incurred. These expenses are necessary for the smooth operation of the business and ensuring that all necessary paperwork, documentation, and communication are handled efficiently.

According to the latest statistical information, the average administrative and office expenses for disability care businesses in the US range from $10,000 to $50,000 per year. These expenses include rent or mortgage payments for office space, utilities, office supplies, technology and software, insurance, licensing fees, and salaries for administrative staff.

It is crucial to allocate a portion of the budget specifically for administrative and office expenses, as they are essential for maintaining the day-to-day operations of the business. Without proper administrative support, the business may face challenges in managing client records, scheduling appointments, coordinating with healthcare providers, and handling billing and invoicing.

To minimize administrative and office expenses, businesses can explore cost-saving measures such as utilizing cloud-based software for documentation and communication, negotiating favorable lease terms for office space, and outsourcing certain administrative tasks to third-party providers. Additionally, implementing efficient systems and processes can help streamline administrative workflows and reduce the need for excessive staffing.

While administrative and office expenses are necessary, it is important to strike a balance between providing quality administrative support and managing costs effectively. By carefully managing these expenses, disability care businesses can allocate more resources towards providing personalized care and improving the overall experience for individuals with disabilities and their families.

Marketing and Advertising Costs

When it comes to promoting disability care services, marketing and advertising play a crucial role in reaching potential customers and raising awareness about the available support. However, it is important for businesses to carefully consider their marketing and advertising costs to ensure a sustainable and effective approach.

According to recent statistical information, the average marketing and advertising costs for businesses in the United States can vary significantly depending on the industry and target audience. On average, businesses spend around 7-8% of their total revenue on marketing and advertising efforts. For a disability care business, this could translate to a substantial investment, considering the importance of reaching and connecting with individuals and families in need of specialized care.

It is essential for disability care businesses to allocate their marketing and advertising budget wisely to maximize their reach and impact. This may involve a combination of traditional marketing methods, such as print advertisements, brochures, and direct mail campaigns, as well as digital marketing strategies, including social media advertising, search engine optimization, and targeted online campaigns.

Investing in online platforms and digital marketing can be particularly beneficial for disability care businesses, as it allows for precise targeting and reaching a wider audience. Additionally, partnering with relevant organizations, such as disability advocacy groups or healthcare providers, can help expand the reach and credibility of the business.

While marketing and advertising costs can be significant, it is important to view them as an investment rather than an expense. By effectively promoting disability care services, businesses can attract more clients, increase their revenue, and ultimately make a positive impact on the lives of individuals with disabilities and their families.

In conclusion, disability care is a crucial industry that provides essential support and assistance to individuals with disabilities. As the demand for disability care services continues to grow, it is important for providers to understand the various operating expenses involved in running a successful disability care operation.

From staff wages and salaries to training and professional development expenses, disability care providers must carefully manage their financial resources to ensure the sustainability and growth of their businesses. Additionally, partnering with government agencies or insurance companies can provide additional financial support and expand the reach of disability care services.

By adopting a fee-for-service model, disability care providers can offer personalized care and flexibility while ensuring financial compensation for the services provided. This approach allows individuals to receive the specific support they need while enabling the business to maintain its financial sustainability.

Overall, disability care plays a vital role in enabling individuals with disabilities to lead fulfilling lives and participate fully in their communities. By understanding and managing the various operating expenses, disability care providers can continue to meet the growing demand for their services and contribute to the well-being of individuals with disabilities.

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The Best Funding Resources for Entrepreneurs With Disabilities There are numerous options to assist those in need.

By Janet Gershen-Siegel Jul 1, 2024

Key Takeaways

• Business owners living with a disability can access funding from a variety of sources.
• The federal government offers grant and loan programs for small businesses.
• Private foundations also help marginalized entrepreneurs.

Opinions expressed by Entrepreneur contributors are their own.

Are you an entrepreneur with a disability? According to the CDC , the term disability refers to any physical or mental impairment that makes it harder for a person to participate in certain activities or interact with the surrounding world. This includes many physical and mental conditions. If you're looking to start a business or fund a side hustle and live with a disability, there are a variety of funding resources available to you.

Grants for Disabled Entrepreneurs

Federal grants.

The federal government offers a variety of grants for people launching a new business, many of which do not need to be repaid. The best place to check for federal opportunities is Grants.gov , a constantly updated clearinghouse that makes it easier for funding-seekers to find resources.

The Small Business Administration (SBA) also publishes a grants list, as does the Department of Health and Human Services . Entrepreneurs with disabilities should keep an eye on these lists, but the eligibility requirements vary and in most cases, these grants are open to all business owners, which creates more competition.

Transform Business Grants

The Transform Business Grant is open to applicants in the United States who are members of "systematically marginalized groups," including those living with disabilities. The $1,000 grants also include a year-long growth-based mentorship program in which awardees receive pro-bono leadership training. To be eligible, you must identify as a member of a marginalized group, your business must align with Transform's mission, your business must be social-impact oriented and you must be in financial need.

NASE Growth Grants

The National Association for the Self Employed (NASE) offers $4,000 business grants that help entrepreneurs grow their enterprise. The grants can be used for marketing, advertising, hiring employees , expanding facilities and other important business needs. To be eligible, applicants must become a NASE member ($120 annually) and provide a statement of grant use, a business plan, a recent tax return and other documents explaining how your business is structured .

NAACP and Leslie's Certification Boost Grant

This funding opportunity is designed to help entrepreneurs obtain business certifications, including the Disability-Owned Business Enterprise (DOBE) certification. The grant program provides $5,000 to small business owners in urban and rural areas in Arizona, California, Florida, Georgia, and Texas. To be eligible, businesses must be in one of those states, be at least 51% owned by someone who has a disability and operate in the food or consulting industries .

Feed the Soul Foundation

Through its Restaurant Business Development Grant Program , the Feed the Soul Foundation offers $10,000 grants and six months of business consulting to entrepreneurs launching a culinary enterprise . To be eligible, the business must be 51% owned by a person who identifies as marginalized, the business must be in the United States with more than four employees and the applicant must be willing to attend weekly trainings.

Other Resources

If you're looking for other grant opportunities or additional resources for your business, keep an eye on GrantWatch , a clearinghouse of funding opportunities supporting a variety of philanthropic initiatives. It's also worth looking into the National Arts and Disability Center , which publishes and updates a list of resources for people living with a disability.

Loans for Disabled Entrepreneurs

Federal loans, sba 7(a) loans.

The U.S. Small Business Administration 7(a) loans offer funding from $50,000 to $5 million for established businesses with under 100 employees or partly funded startups needing a large loan to scale. They help small business owners in underserved groups, including the disabled population. These funds can be applied toward things like vehicle purchases, inventory, equipment, working capital, marketing and expansion.

SBA Microloans

The average microloan is $13,000, but the SBA offers up to $50,000 to small businesses and certain nonprofits. You can get up to $50,000 for hiring staff, remodeling work spaces and more, though these loans may demand personal collateral. (For non-SBA microloans, check the Association for Enterprise Opportunity or try the AEO's DreamFund, meant to address the funding gap for underserved communities.)

SBA Express Loans

An SBA Express loan is similar to a 7(a) loan, but it's typically faster and has a lower maximum (up to $500,000). The SBA will guarantee 50% of the loan, while private lenders will fund the rest. Interest rates and repayment terms are typically set by private lenders.

USDA Business Loans

The United States Department of Agriculture (USDA) helps rural businesses and can be a good source of funds, as a large share of disabled Americans live in rural communities . The most popular USDA program is the Business and Industry Loan Guarantee Program , which partly guarantees loans for rural businesses in towns with under 50,000 residents. You must have good credit and enough business revenues to qualify, and collateral may be necessary.

Community development financial institutions (CDFIs) are private entities that typically invest in businesses in disadvantaged communities. Many CDFIs use Disability Funds-Financial Assistance (DF-FA) to lend money to organizations and businesses that provide assistance to individuals with disabilities.

Assistive Technology Business Loans

These are good for people with less than 550 FICO scores. Often, lenders are local, like the National Disability Institute , which offers assistive technology loans of up to $30,000 for New Jersey and New York residents at below-market interest rates. Credit history can impact eligibility.

StreetShares Short-Term Business Loans

StreetShares is a short-term lender providing business loans to veterans and service-disabled veterans. Small businesses must have low revenue and be in business for at least a year. You also need at least a 600 personal credit score. Term loans are $2,000 to $100,000 and the most funding you can receive is 20 percent of annual business revenue.

Related: 5 Best and Fast Small-Business Loans

Accion Opportunity Fund

Nonprofit community lender Accion Opportunity Fund offers small business loans ranging from $5,000 to $250,000. They can help with assistive technology, accessible workplace and adaptive work vehicle costs. Businesses must guarantee the loan, and personal guarantees are often required. Requirements differ depending on locale.

Related: I Have Dyslexia, and I Became a Successful Entrepreneur

State-Specific Loans

Many states have loan programs that help business owners with disabilities. For example, the Advantage Illinois and the Iowa Able Foundation each have business assistance and credit-building loans. To combat the high cost of assistive technology, the Maryland Department of Disabilities runs an Assistive Technology Guaranteed Loan Program that provides low-interest loans on everything from cars to home modifications for eligible state residents. In some cases voice-recognition software can be applied toward the startup costs of a small business . It's always important to check local resources.

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How to Write a Business Plan: Your Step-by-Step Guide

So, you’ve got an idea and you want to start a business —great! Before you do anything else, like seek funding or build out a team, you'll need to know how to write a business plan. This plan will serve as the foundation of your company while also giving investors and future employees a clear idea of your purpose.

Below, Lauren Cobello, Founder and CEO of Leverage with Media PR , gives her best advice on how to make a business plan for your company.

Build your dream business with the help of a high-paying job—browse open jobs on The Muse »

What is a business plan, and when do you need one?

According to Cobello, a business plan is a document that contains the mission of the business and a brief overview of it, as well as the objectives, strategies, and financial plans of the founder. A business plan comes into play very early on in the process of starting a company—more or less before you do anything else.

“You should start a company with a business plan in mind—especially if you plan to get funding for the company,” Cobello says. “You’re going to need it.”

Whether that funding comes from a loan, an investor, or crowdsourcing, a business plan is imperative to secure the capital, says the U.S. Small Business Administration . Anyone who’s considering giving you money is going to want to review your business plan before doing so. That means before you head into any meeting, make sure you have physical copies of your business plan to share.

Different types of business plans

The four main types of business plans are:

Startup Business Plans

Internal business plans, strategic business plans, one-page business plans.

Let's break down each one:

If you're wondering how to write a business plan for a startup, Cobello has advice for you. Startup business plans are the most common type, she says, and they are a critical tool for new business ventures that want funding. A startup is defined as a company that’s in its first stages of operations, founded by an entrepreneur who has a product or service idea.

Most startups begin with very little money, so they need a strong business plan to convince family, friends, banks, and/or venture capitalists to invest in the new company.

Internal business plans “are for internal use only,” says Cobello. This kind of document is not public-facing, only company-facing, and it contains an outline of the company’s business strategy, financial goals and budgets, and performance data.

Internal business plans aren’t used to secure funding, but rather to set goals and get everyone working there tracking towards them.

As the name implies, strategic business plans are geared more towards strategy and they include an assessment of the current business landscape, notes Jérôme Côté, a Business Advisor at BDC Advisory Services .

Unlike a traditional business plan, Cobello adds, strategic plans include a SWOT analysis (which stands for strengths, weaknesses, opportunities, and threats) and an in-depth action plan for the next six to 12 months. Strategic plans are action-based and take into account the state of the company and the industry in which it exists.

Although a typical business plan falls between 15 to 30 pages, some companies opt for the much shorter One-Page Business Plan. A one-page business plan is a simplified version of the larger business plan, and it focuses on the problem your product or service is solving, the solution (your product), and your business model (how you’ll make money).

A one-page plan is hyper-direct and easy to read, making it an effective tool for businesses of all sizes, at any stage.

How to create a business plan in 7 steps

Every business plan is different, and the steps you take to complete yours will depend on what type and format you choose. That said, if you need a place to start and appreciate a roadmap, here’s what Cobello recommends:

1. Conduct your research

Before writing your business plan, you’ll want to do a thorough investigation of what’s out there. Who will be the competitors for your product or service? Who is included in the target market? What industry trends are you capitalizing on, or rebuking? You want to figure out where you sit in the market and what your company’s value propositions are. What makes you different—and better?

2. Define your purpose for the business plan

The purpose of your business plan will determine which kind of plan you choose to create. Are you trying to drum up funding, or get the company employees focused on specific goals? (For the former, you’d want a startup business plan, while an internal plan would satisfy the latter.) Also, consider your audience. An investment firm that sees hundreds of potential business plans a day may prefer to see a one-pager upfront and, if they’re interested, a longer plan later.

3. Write your company description

Every business plan needs a company description—aka a summary of the company’s purpose, what they do/offer, and what makes it unique. Company descriptions should be clear and concise, avoiding the use of jargon, Cobello says. Ideally, descriptions should be a few paragraphs at most.

4. Explain and show how the company will make money

A business plan should be centered around the company’s goals, and it should clearly explain how the company will generate revenue. To do this, Cobello recommends using actual numbers and details, as opposed to just projections.

For instance, if the company is already making money, show how much and at what cost (e.g. what was the net profit). If it hasn’t generated revenue yet, outline the plan for how it will—including what the product/service will cost to produce and how much it will cost the consumer.

5. Outline your marketing strategy

How will you promote the business? Through what channels will you be promoting it? How are you going to reach and appeal to your target market? The more specific and thorough you can be with your plans here, the better, Cobello says.

6. Explain how you’ll spend your funding

What will you do with the money you raise? What are the first steps you plan to take? As a founder, you want to instill confidence in your investors and show them that the instant you receive their money, you’ll be taking smart actions that grow the company.

7. Include supporting documents

Creating a business plan is in some ways akin to building a legal case, but for your business. “You want to tell a story, and to be as thorough as possible, while keeping your plan succinct, clear, interesting, and visually appealing,” Cobello says. “Supporting documents could include financial projects, a competitive analysis of the market you’re entering into, and even any licenses, patents, or permits you’ve secured.”

A business plan is an individualized document—it’s ultimately up to you what information to include and what story you tell. But above all, Cobello says, your business plan should have a clear focus and goal in mind, because everything else will build off this cornerstone.

“Many people don’t realize how important business plans are for the health of their company,” she says. “Set aside time to make this a priority for your business, and make sure to keep it updated as you grow.”

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People with Disabilities

Get Informed

Make a plan, build a kit, people experiencing extreme heat, associated content.

Disability intersects every demographic group—there are people with disabilities of all ages, races, genders or national origin. And, disabilities can impact a person in a variety of ways—both visible and invisible. For people with disabilities and their families, it is important to consider individual circumstances and needs to effectively prepare for emergencies and disasters. 

• Know what disasters could affect your area, which ones could call for an evacuation and when to shelter in place .
• Keep a  NOAA Weather Radio  tuned to your local emergency station and monitor TV and radio. Follow mobile alerts and warnings about severe weather in your area.
• Download the FEMA App  and get weather alerts from the National Weather Service for up to five different locations anywhere in the United States.

In the event of a disaster could you make it on your own for several days? After a disaster you may not have access to a medical facility or even a drugstore. It’s crucial to plan for your daily needs  and know what you would do if they become limited or unavailable. Additional planning steps include:

• Create a support network of people who can help you in a disaster. Keep a contact list in a watertight container in your  emergency kit or on your electronic devices.
• Inform your support network where you keep your emergency supplies. You may want to consider giving a trusted member a key to your house or apartment.
• Plan ahead for accessible transportation that you may need for evacuation or getting around during or after disaster. Check with local transit providers as well as with your emergency management agency to identify appropriate accessible options.
• Many city and county emergency management agencies maintain voluntary registries for people with disabilities to self-identify in order to receive targeted assistance during emergencies and disasters. Contact your local emergency management office to find out more.
• If you are on dialysis or other life-sustaining medical treatment know the location and availability of more than one facility that can help you.
• If you use medical equipment in your home that requires electricity, talk to your doctor or health care provider about what you may be able to do to keep it running during a power outage. You can also ask your power provider to put you on a list for priority power restoration.
• About half of all Americans take a prescription medicine every day. An emergency can make it difficult for them to refill their prescription or to find an open pharmacy. Organize and protect your prescriptions, over-the-counter drugs, and vitamins to prepare for an emergency.
• Wear medical alert tags or bracelets. Also add pertinent medical information to your electronic devices.
• If you have a communication disability consider carrying printed cards or storing information on your devices to inform first responders and others how to communicate with you.
• If you use assistive technologies, plan how you will evacuate with the devices or how you will replace equipment if lost or destroyed. 
• Locate and access your electronic health records from a variety of sources by using the U.S. Department of Health and Human Services'  online tool . 
• Plan for children and adults who may have difficulty in unfamiliar or chaotic environments. Consider your service or support animal or pets and plan for food, water and supplies. If you need to evacuate, you’ll need to know whether your shelter allows pets or not, since some shelters only allow service or support animals.
• Keep a list of the nearest medical facilities, local hospitals and nearest accessible transportation.

Get Your Benefits Electronically

A disaster can disrupt mail service for days or weeks. If you depend on Social Security or other regular benefits, switching to electronic payments is an easy way to protect yourself financially before disaster strikes. It also eliminates the risk of stolen checks. The U.S. Department of the Treasury recommends two safer ways to get federal benefits:

• Direct deposit to a checking or savings account. If you get federal benefits you can sign up by calling 800-333-1795 or  sign up online.
• The  Direct Express ® prepaid debit card is designed as a safe and easy alternative to paper checks. Call toll-free at 877-212-9991 or  sign up online.

In addition to having your basic survival supplies, an  emergency kit  should have items to meet your individual needs in various emergencies. Consider the items you use every day and which ones you may need to add to your kit.

Tips for Medications

• Talk to your doctor or pharmacist about how you can create an emergency supply of medicines.
• Keep a list of your prescription medicines. Include information about your diagnosis, dosage, frequency, medical supply needs and allergies.
• Store extra nonprescription drugs, like pain and fever relievers, antihistamines and antidiarrheal medicines.
• Have a cooler and chemical ice packs available to chill medicines that need to be refrigerated.

Tips for People Who are Deaf or Hard of Hearing

• Weather radio (with text display and a flashing alert)
• Extra hearing-aid batteries
• Pen and paper (in case you have to communicate with someone who does not know sign language)
• Battery operated lantern to enable communication by sign language or lip reading, especially when the electricity is out and it’s dark.

Tips for People Who are Blind or Have Low Vision

• Mark emergency supplies with Braille labels or large print. Keep a list of your emergency supplies and where you bought them on a portable flash drive or make an audio file that is kept in a safe place where you can access it.
• Keep communication devices for your particular needs, such as a Braille or deaf-blind communications device as part of your emergency supply kit.

Tips for People with Speech Disability

• If you use an augmentative communications device or other assistive technologies plan how you will evacuate with the devices or how you will replace equipment if it is lost or destroyed. Keep model information and note where the equipment came from (Medicaid, Medicare, private insurance, etc.).
• Plan how you will communicate with others if your equipment is not working, including laminated cards with phrases and/or pictogram.

Individuals with Intellectual or Developmental Disabilities

• Keep handheld electronic devices charged and loaded with videos and activities.
• Purchase spare chargers for electronic devices and keep them charged.
• Include sheets and twine or a small pop-up tent (to decrease visual stimulation in a busy room or to provide instant privacy).
• Consider a pair of noise-canceling headphones to decrease auditory stimuli.
• Have comfort snacks available.

Tips for People with a Mobility Disability

• If you use a power wheelchair have a lightweight manual chair available as a backup if possible.
• Show others how to assemble, disassemble and operate your wheelchair.
• Purchase an extra battery for a power wheelchair or other battery-operated medical or assistive technology devices. If you can't purchase an extra battery, find out what agencies, organizations or local charitable groups can help you buy one. Keep extra batteries charged at all times.
• Consider keeping a patch kit or can of sealant for flat tires and/or extra inner tube if wheelchair or scooter is not puncture proof.
• Keep an extra mobility device such as a cane or walker if you use one.
• Keep a portable air pump for wheelchair tires.
• If you use a seat cushion to protect your skin or maintain your balance and you must evacuate, consider keeping an extra cushion on hand.
• Communicate with neighbors who can assist you if you need to evacuate the building.

Tips for Individuals with Alzheimer’s and Related Dementia

• Do not leave the person alone. Even those who aren’t prone to wandering away may do so in unfamiliar environments or situations.
• If evacuating, help manage the change in environment by bringing a pillow and blanket or other comforting items they can hold onto.
• When at a shelter, try to stay away from exits and choose a quiet corner.
• If there is an episode of agitation, respond to the emotions being expressed. For example, say “You’re frightened and want to go home. It’s ok. I’m right here with you.”

Additional Items

• Several days supply of prescription medicines
• A list of all medications, dosage and any allergies
• Extra eyeglasses, contacts, hearing aids and batteries
• A backup supply of oxygen
• A list of the style and serial number of medical devices (include special instructions for operating your equipment if needed)
• Copies of insurance and Medicare cards
• Contact information for doctors, relatives or friends who should be notified if you are hurt
• Pet food, extra water, collar with ID tag, medical records and other supplies for your  service or support animal

People with disabilities, access and functional needs, and older adults may be at increased risk to extreme heat. For example:

• People with spinal cord injuries are at higher risk during extreme heat because they may not be able to cool their body through sweating.
• People with severe mental health conditions, including schizophrenia, are at risk because their medications may interfere with the body’s ability to cool itself.
• People with cognitive, intellectual or developmental disabilities, including Alzheimer’s disease and dementia, are at risk because they may have trouble understanding and explaining how the heat affects them. This could prevent them from taking protective actions. It’s important to know that a person’s ability to perceive and communicate physical discomfort may vary with the stage of dementia or disease.

It is important to plan ahead, take precautions, have support, and be aware of the symptoms of heat exposure . Keep these tips in mind during extreme heat:

• If you have a support network - caregivers, family and friends – ask them to help monitor and address your heat-related needs; have them check in with you regularly to ensure you are safe and healthy.
• Read the side effects of medications and talk with your doctor about how heat exposure will interact with them.
• Take a cool shower, bath or sponge bath to cool the body if you are experiencing heat exhaustion or heat stroke.
• Ask your local energy utility for priority access in the event of power loss because power restoration is life-sustaining for someone in the home.
• Monitor your local weather and emergency information alerts.
• Have a plan that includes shade, hydration, sun protection, and limiting exposure time if you’re going to be outdoors.
• Identify cooling shelters, possible locations with air-conditioning or contact cooling centers to ensure needed accommodations ahead of time. This could include someone in your support network with air conditioning.
• Coordinate accessible transportation to/from cooling locations.
• People with medical needs who can’t be accommodated at conventional cooling shelters may have to contact local hospitals or nursing homes to create contingency plans if they can’t stay at home.
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Disability Insurance for Small Business Owners: A Quick Primer on Coverage Options and Claims

• January 9, 2023
• Written by Jennifer Danish

Owning a small business requires a substantial investment of time, energy, and money—and no matter how careful you are, things do not always go exactly to plan. An injury or illness that keeps you or a key employee out of action for even a few months could have disastrous consequences for your business, not to mention your personal income.

Purchasing the right disability insurance policies, with the coverage you need, can give you peace of mind and turn a major catastrophe into a small bump in the road. But how do you know what you need? And what do you do if the insurance company refuses to provide the benefits you paid for when you finally need them?

The disability insurance attorneys at Bryant Legal Group in Chicago work closely with small business owners to answer these kinds of questions, explain their policies, and fight for the benefits they deserve. In this post, we will take a closer look at some key disability insurance policies and concepts small business owners need to know—but if you have any further questions or needs, be sure to reach out to us directly at 312-626-9316 or complete our simple contact form .

What Life and Disability Insurance Policies Do I Need as a Small Business Owner?

There are a wide variety of insurance policies available to business owners and entrepreneurs to help them protect their income and their investments. While it is always wise to speak with an experienced disability insurance attorney before determining which would be best for your situation, three of the most common types of policies include individual long-term disability insurance, business overhead expense insurance, and key person insurance.

Individual Disability Income Insurance

Your small business is, most likely, the primary or even sole source of your personal income. Business revenues support not only the current and future health of the business itself, but also your own living expenses. First and foremost, you should consider your own personal income protection.

Purchasing individual disability insurance for yourself as a business owner can be a little trickier than being insured through an employer-sponsored group plan. While the basics are the same (figure out how much income you need to live on and purchase a long-term disability insurance policy that meets your needs), there are some extra considerations.

One potential sticking point: If you have just started your business within the last year or two, you may have a hard time proving your anticipated income and profitability to the insurance company. (Normally, this would be established through things like tax returns or signed contracts.) In the worst-case scenario, you may not be able to get disability insurance coverage at the terms you want until you have been in business for at least a couple of years.

Another potential difficulty is that small business owners often have highly variable incomes from year to year, based on how well the business performed. A typical long-term disability plan will pay you a defined percentage of your monthly salary, based on your average income. If the “average income” is based on a rough year for the business, your benefits won’t stretch as far.

For these and other reasons, it may be best (if possible) to buy your own long-term disability insurance policy while you still work full-time elsewhere, before quitting and starting on your own. Further, if you have already been in business for a few years, try to purchase a policy that determines your average annual salary based on more than just the last year of income.

• RELATED POST: Variable Income: How Much Does Long-Term Disability Pay? – Bryant Legal Group ( bryantlg.com )

Business Overhead Expense Insurance

Most businesses have overhead expenses that need to be paid regardless of how much revenue is (or isn’t) flowing in. Think of things like the mortgage or rent on an office, utility and maintenance costs, or payroll.

Business overhead expense insurance (BOE) is an insurance policy that reimburses small businesses for overhead expenses up to the limits of the policy if the insured individual (usually, but not necessarily, the business owner) becomes disabled and as a result the company can no longer cover those expenses.

Most BOE policies will only pay benefits for up to 2-4 years after the insured owner or employee becomes disabled, although longer terms are sometimes available.

• RELATED POST: How is Business Overhead Expense Insurance Different Than an Individual Disability Policy? – Bryant Legal Group ( bryantlg.com )

Key Person Insurance

Whether a small business thrives or fails often hinges on the singular efforts of one or more truly essential people.

In addition to the business owner or CEO, a “key person” in your small business might be the talented salesperson who brings in half your revenue, an account manager who acts as the “face” of your company and has developed close relationships with your top clients, or a software engineer with extremely niche, hard-to-replace skills.

A key person is so essential to the health of your small business that losing them for an extended period could seriously impact your company’s finances, reputation, or ability to deliver promised products or services to your customers.

While a key person might also be insured under a BOE policy, key person insurance differs from BOE in that it pays a set monthly benefit to the business (similar to regular disability or life insurance policies), rather than reimbursing actual expenses paid. One common strategy is to have a BOE policy cover overhead expenses, while a key person insurance policy provides the funds necessary to address additional costs or losses (such as bringing on contractors, hiring or training a replacement, or offsetting lost revenue).

• RELATED POST: Key Person Life and Disability Insurance: What Business Owners Need to Know – Bryant Legal Group ( bryantlg.com )

Common Disability Insurance Challenges for Small Business Owners

Your small business disability insurance policies are supposed to take care of you when the unexpected happens. But too often, business owners run into trouble—either because their policies do not provide the coverage they really need, or because the insurance company is not holding up their end of the agreement.

Reviewing and Modifying Coverage

Businesses are continually evolving. Some business owners are in a growth and expansion phase and planning to make some major investments in the company. Others are making hard cuts after a tough year or winding the business down in the years before retirement.

Your own personal needs will also change over time. The salary you need to live comfortably probably is not the same as it was 10 or even 5 years ago. It may be more, or it may be less.

You should review and update your insurance policies regularly to ensure your current policies and coverage amounts are still appropriate for your current personal and business needs. Otherwise, you could be paying hefty premiums for coverage you do not need—or worse, forced to stretch benefits to the breaking point and still not have enough to keep the business afloat.

Dealing With Unfair Insurance Denials

If you or one of your insured employees becomes disabled, you will need to file a claim. The problem: The insurance company cares a lot more about their own business than yours, and they will be looking for ways they can deny your claim. In fact, they often fight business claims especially aggressively given how expensive these claims typically are for the insurer.

Common reasons for coverage denials include:

• Insufficient medical evidence of your disability
• Your condition is not considered disabling under your policy’s definition of disability
• Claimed business expenses are “too significant” for the evidence (for a BOE claim denial )

Remember, just because the insurance company denied your claim does not mean they are correct, or that is the final word. Claims are often denied for unreasonable or unfair reasons and are subsequently reinstated on appeal.

To use one specific, common example of an unfair claim denial: Insurance companies frequently underestimate the impact of cognitive impairments for business owners and key employees, instead focusing purely on the physical aspects of the job. A brain injury that impairs the owner’s planning, problem-solving, and critical thinking skills is obviously disabling, but the insurance company might not see it that way—at least at first.

It is hard to overstate the cost of an unfairly denied claim for a small business. That is why speaking to an experienced disability attorney as soon as possible—ideally before filing the claim, but certainly after an initial denial—is always a wise choice.

Chicago’s Premier Disability Insurance Attorneys for Small Business Owners

If there is one thing that you should know by now, it is that disability insurance for business is not the easiest topic to understand or navigate. Disability contracts frequently use dense, confusing language that non-experts struggle to understand—and insurers often profit from the confusion. Yet making smart choices about coverage (and filing successful appeals) could truly make or break your business.

At Bryant Legal Group, our attorneys regularly assist small business owners with assessing and modifying their current private disability policies and coverage levels, filing claims on their behalf, and handling any necessary appeals. Your job is to focus on your health and your business; ours is to ensure you get the insurance benefits you deserve.

To schedule your free consultation with one of our Chicago insurance attorneys, call us at (312) 313-6179 or complete our online form today.

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Sheltering and Evacuating

What should I do if I need to evacuate?

During an emergency, you may have to evacuate from your home or another location. Your emergency plan should include what to do if you need to evacuate or go to a shelter during an emergency.

If you need to evacuate, consider these tips:

• Keep information about your health needs with you during emergencies. If you wear a medical alert tag, make sure you have it on.
• Even if you plan for accessible transportation, it may not be available in an emergency. If you require accessible transportation in an emergency, contact your local paratransit service provider or local government services ahead of time to determine who provides emergency transportation in your area. The Federal Emergency Management Agency (FEMA) has a local emergency response resource locator by ZIP code .
• Inform shelter workers of your needs when arriving at an emergency shelter and explain how others can best assist you in the shelter. If you use a smart phone, consider adding information about your access and functional needs using the device’s medical ID feature.
• Know your civil rights during emergencies . For example, know that shelters must be accessible for people with disabilities under the Americans with Disabilities Act (ADA).

What about service and emotional support animals?

Shelters must allow service animals by law. Under the ADA, service animals are limited to dogs and sometimes, miniature horses. To determine whether the animal is a service animal, the only two questions shelter staff can ask are the following:

• Do you require the animal because of a disability?
• What tasks does your animal perform for you?

Under the Fair Housing Amendments Act , disaster shelters are covered as a type of emergency shelter and are also required to allow emotional support animals that are not trained to perform a task. Keep this link on your phone or device.

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Microsoft will pay $14M to settle allegations it discriminated against employees who took leave

Microsoft Corp. has agreed to pay $14.4 million to settle allegations that the global software giant retaliated and discriminated against employees who took protected leave, including parental and disability, the California Civil Rights Department announced Wednesday.

The proposed settlement stems from a multi-year investigation by the California agency and the consent decree is subject to approval in state court in Santa Clara County, where the Redmond, Washington-based company has an office.

The state agency, which launched its investigation in 2020, alleged that employees who took leave from work due to pregnancy or disability, or to bond with a new baby or care for a sick family member, received lower bonuses and unfavorable performance reviews.

Those factors, in turn, harmed employee eligibility for merit pay increases and promotions and the practice disproportionately impacted women and people with disabilities, the department said.

In a statement, civil rights department director Kevin Kish applauded the company “for coming to the table and agreeing to make the changes necessary to protect workers in California.”

Microsoft responded in a statement that the agency’s allegations are inaccurate, but it “will continue to listen, learn, and support our employees.”

As part of the proposed settlement, Microsoft will take steps to prevent future discrimination, including updated manager training. An outside consultant will monitor and report on the company’s compliance.

Most of the settlement money — $14.2 million — will go toward harmed workers. Covered employees worked at Microsoft from May 13, 2017, to a yet-to-be-determined date of court approval for the settlement, and who took at least one leave protected under state or federal law.

Each eligible employee will receive a base payment of $1,500 with more available based on factors such as salary and length of employment.

Microsoft has about 221,000 employees worldwide, including nearly 7,000 in California, according to the state civil rights agency. The agency did not have an estimate for how many workers could receive payment.

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Families set to receive boost to some centrelink payments from new financial year due to indexation.

More than 2 million Australians will get a boost to their government payments, from July 1.

Families and pensioners are set to be the beneficiaries of the boost, which is due to routine indexation.

About 1.3 million people on family payments — including the Family Tax Benefit, Newborn Supplement and Multiple Birth Allowance — will see increases in their payments.

Almost one million Australians on the Age Pension, Disability Support Pension and Carer Payment will also benefit from increases to income and asset thresholds.

Deeming thresholds, or the percentage set by the federal government used by Centrelink to predict how much money is earned from super and investments, will also be indexed.

Paid Parental Leave will also increase with indexation, coinciding with the government’s promise to pay superannuation on Paid Parental Leave from 2025 and expand leave to 26 weeks by 2026.

It comes after the cost of living crisis was a major focus of last month’s Budget, which included a $7.8 billion commitment to cost-of-living relief, including a 10 per cent boost to Rent Assistance and paying superannuation on Paid Parental Leave.

The government is committed to helping Australians through the stresses of inflation and cost of living pressures, Minister for Social Services Amanda Rishworth said

“Indexation delivers timely boosts to people receiving family payments and pensions,” Rishworth said.

“These increases will provide a direct boost to fortnightly payments for families.”

Family boost

For families receiving Family Tax Benefit Part A, the maximum rate of payment for children under 13 years old will increase by $8.68 to $222.04 a fortnight. If children are aged 13 years old or over, the increase will be $11.34 to a maximum of $288.82 a fortnight.

For families receiving Family Tax Benefit Part B, the maximum rate of payment for a family with a youngest child aged under five years old will increase by $7.42 to $188.86 a fortnight. Families with a youngest child aged five years old or over will receive an increase of $5.18 to a maximum of $131.74 a fortnight.

The end of year supplements for Family Tax Benefit Part A and Family Tax Benefit Part B will increase by $36.50 to $916.15 and $18.25 to $448.95 respectively.

Those receiving the Multiple Birth Allowance, Newborn Supplement, Stillborn Baby Payment and Essential Medical Equipment Payment will also see their payments increased.

The complete list of payments increasing on 1 July 2024, including income and asset limits, can be found on the Department of Social Services website .

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UN adopts Chinese resolution with US support on closing the gap in access to artificial intelligence

FILE -Fu Cong, China’s permanent representative to the United Nations addresses members of the U.N. Security Council during a meeting on Non-proliferation of nuclear weapons, April 24, 2024 at United Nations headquarters. The United Nations General Assembly adopted a Chinese-sponsored resolution with U.S. support urging wealthy developed nations to close the widening gap with poorer developing countries and ensure that they have equal opportunities to use and benefit from artificial intelligence.Fu Cong told reporters Monday that the two resolutions are complementary, with the U.S. measure being “more general” and the just-adopted one focusing on “capacity building.”(AP Photo/Eduardo Munoz Alvarez, File)

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UNITED NATIONS (AP) — The U.N. General Assembly adopted a Chinese-sponsored resolution with U.S. support urging wealthy developed nations to close the widening gap with developing countries and ensure they have equal opportunities to use and benefit from artificial intelligence.

The resolution approved Monday follows the March 21 adoption of the first U.N. resolution on artificial intelligence spearheaded by the United States and co-sponsored by 123 countries including China. It gave global support to the international effort to ensure that AI is “safe, secure and trustworthy” and that all nations can take advantage of it.

Adoption of the two nonbinding resolutions shows that the United States and China, rivals in many areas , are both determined to be key players in shaping the future of the powerful new technology — and have been cooperating on the first important international steps.

The adoption of both resolutions by consensus by the 193-member General Assembly shows widespread global support for their leadership on the issue.

Fu Cong, China’s U.N. ambassador, told reporters Monday that the two resolutions are complementary, with the U.S. measure being “more general” and the just-adopted one focusing on “capacity building.”

He called the Chinese resolution, which had more than 140 sponsors, “great and far-reaching,” and said, “We’re very appreciative of the positive role that the U.S. has played in this whole process.”

Nate Evans, spokesperson for the U.S. mission to the United Nations, said Tuesday that the Chinese-sponsored resolution “was negotiated so it would further the vision and approach the U.S. set out in March.”

“We worked diligently and in good faith with developing and developed countries to strengthen the text, ensuring it reaffirms safe, secure, and trustworthy AI that respects human rights, commits to digital inclusion, and advances sustainable development,” Evans said.

Fu said that AI technology is advancing extremely fast and the issue has been discussed at very senior levels, including by the U.S. and Chinese leaders.

“We do look forward to intensifying our cooperation with the United States and for that matter with all countries in the world on this issue, which … will have far-reaching implications in all dimensions,” he said.

The Chinese ambassador, however, strongly criticized the U.S. Treasury Department’s proposed rule, announced on June 21, that would restrict and monitor U.S. investments in China for artificial intelligence, computer chips and quantum computing .

“We are firmly opposed to these sanctions,” Fu said. China doesn’t believe the rule will be “helpful to the healthy development of the AI technology per se, and will, by extension, divide the world in terms of the standards, and in terms of the rules governing AI.” He called on the U.S. to lift the sanctions.

The Chinese resolution calls on the international community “to provide and promote a fair, open, inclusive and nondiscriminatory business environment,” from AI’s design and development to its use. Fu said that China doesn’t think the U.S. actions foster an inclusive business environment.

Both the U.S. and Chinese resolutions focus on the civilian applications of AI , but Fu told reporters the military dimension of AI is also very important.

“We do believe that it is necessary for the international community to take measures to reduce the dangers and the risks posed by the development of AI,” he said.

China is actively participating in negotiations in Geneva on controlling lethal autonomous weapons, Fu said, adding that some countries are considering proposing a U.N. General Assembly resolution this year on the military dimension of AI — “and we are in broad support of that initiative.”

Both the U.S. and Chinese resolutions warned of the dangers of AI while also touting its potential benefits in promoting economic development and the lives of people everywhere.

The U.S. resolution recognizes that “the governance of artificial intelligence systems is an evolving area” that needs further discussions on possible governance approaches. It calls on countries to ensure that personal data is protected, human rights are safeguarded, and AI is monitored for potential risks.

Fu, who headed the Chinese Foreign Ministry’s arms control department from 2018 to 2022, said that Beijing put forward the resolution because of the widening gap in AI technology between the developed North and developing South.

He said China also wanted to highlight the central role the United Nations should play in AI governance as “the most representative and most inclusive international forum.”

The Chinese resolution resolves “to bridge the artificial intelligence and other digital divides between and within countries,” and promote international cooperation, including sharing knowledge and transferring technology to developing countries.

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Adults with a valid Disability Tax Credit certificate and children under 18 are now eligible to apply to the Canadian Dental Care Plan

From: Employment and Social Development Canada

News release

Today, the Honourable Kamal Khera, Minister of Diversity, Inclusion and Persons with Disabilities joined the Honourable Marci Ien, Minister for Women and Gender Equality and Youth and the Honourable Rechie Valdez, Minister of Small Business, to announce that eligible children under the age of 18 and adults with a valid Disability Tax Credit certificate can now apply for the Canadian Dental Care Plan.

June 27, 2024 | Mississauga, Ontario | Government of Canada Today, the Honourable Kamal Khera, Minister of Diversity, Inclusion and Persons with Disabilities joined the Honourable Marci Ien, Minister for Women and Gender Equality and Youth and the Honourable Rechie Valdez, Minister of Small Business, to announce that eligible children under the age of 18 and adults with a valid Disability Tax Credit certificate can now apply for the Canadian Dental Care Plan. Since the launch of the CDCP, more than 2 million seniors have been approved to receive coverage under the Plan and since May 1, more than 200,000 have already gotten care for services like cleaning, fillings, dentures. With applications opening today for two new groups of Canadians, approximately 1.2 million more people will soon have access to improved oral health. This will mean approximately 938,000 children and close to 183,000 adults with a valid Disability Tax Credit certificate will have more affordable access to the oral health care that they need. There are currently more than 11,400 oral health providers including hygienists, dentists, and denturists offering a wide range of services to CDCP clients. If CDCP clients do not already have an oral health provider, they can consult Sun Life's CDCP Provider Search to find a provider in their community or speak to their local oral health provider to see if they accept CDCP clients. As of July 8, any oral health providers will be able to bill Sun Life directly for care provided to any CDCP client without having to formally participate in the program. Successful applicants will receive a welcome package from Sun Life within approximately three months of their application, which will include an overview of their coverage and their coverage start date. Expenses for treatments provided under the CDCP will not be covered prior to the coverage start date. CDCP patients may have to pay additional charges, in addition to their co-payment, if applicable, depending on the services received and the cost of the treatment. Before receiving any services, CDCP patients should confirm the amount that is not covered by the CDCP. Oral health care is health care. No one should have to choose between taking care of their teeth and paying their bills. The CDCP is going to help make dental care more affordable for up to nine million Canadians who are estimated to currently not have coverage.

For more information, visit Canada.ca/dental . 

“Expanding eligibility to the CDCP to children under the age of 18 and to adults with valid Disability Tax Credits will mean that more than one million additional Canadians will have affordable access to the oral health care they need. This is about fairness and making sure people have access to the care they need to be healthy and have the dignity they deserve.”  The Honourable Mark Holland Minister of Health

“Oral health is crucial for your overall well-being. Applications to the Canadian Dental Care Plan have been seamless with more than two million successful applicants since its launch in December 2023. Our primary goal is to ensure that eligible individuals with disabilities, children under 18, and seniors have access to essential oral health services. Service Canada is fully prepared to deliver high-quality and smooth client service as Canadians continue to apply.”  The Honourable Terry Beech Minister of Citizens’ Services

“Canadians with disabilities and youth can now apply for the Canada Dental Care Plan! This will provide almost 1.2 million Canadians with dental coverage, in addition to the 2 million seniors who have already received coverage. By asking the very wealthy to pay their fair share in taxes we’re delivering historic programs like the Canada Dental Care Plan that is putting money back in the pockets of Canadians while also making our country fairer for everyone.” The Honourable Kamal Khera Minister of Diversity, Inclusion and Persons with Disabilities

“As a mom, I understand how crucial regular dental checkups are for our kids. With the expansion of the Canadian Dental Care Plan, more young Canadians will have access to the dental care they need without adding financial stress to their families. This plan is about fairness and giving every child the best start in life. It's about reducing barriers and ensuring a healthier future for all.” The Honourable Marci Ien Minister for Women and Gender Equality and Youth

“Today is what fairness for every generation is all about. This announcement is part of our Budget 2024 plan to make sure every Canadian succeeds, and that starts with investments in healthcare and pharmacare. By expanding access to our dental care plan to children under 18 and persons with disabilities, we’re making sure that everyone can benefit from a more fair and just healthcare system.” The Honourable Rechie Valdez Minister of Small Business

“Fairness for every generation starts with ensuring every child in Canada has the best start in life. That’s why we’ve made transformative investments such as affordable child care and the Canada Child Benefit. Increasing access to dental health care to all children under 18 builds on our plan to support families and their children across the country, while ensuring every generation can reach their full potential.” The Honourable Jenna Sudds Minister of Families, Children and Social Development

“Today marks another major milestone in ensuring Canadians get better access to affordable dental care. Following the successful rollout of the Canadian Dental Care Plan (CDCP) for seniors, children and youth under 18 and adults living with a disability are now able to enroll to receive the oral health care they need and deserve. Nobody should have to delay getting essential dental care because they can’t pay for it, and the CDCP is changing that.” The Honourable Jean-Yves Duclos Minister of Public Services and Procurement

“Individuals who may be eligible for the disability tax credit (DTC) can apply for it with the Canada Revenue Agency, even if they do not have taxable income. Being approved for the DTC can help access other federal programs like the Canadian Dental Care Plan.” The Honourable Marie-Claude Bibeau Minister of National Revenue 

“The Canadian Dental Care Plan is changing lives. So no one has to live with toothaches, gum disease, or old dentures. We're expanding the Plan to help kids under 18 and persons with disabilities get the care they need.” The Honourable Seamus O’Regan Jr. Minister of Labour and Seniors

Quick facts

Eligible seniors aged 65 and over can continue to apply to the CDCP using the online application. 

In December 2022, the Government of Canada launched the interim Canada Dental Benefit (CDB) to help lower dental costs for eligible families. The CDB helped close to 450,000 children under 12 receive oral health care. With the CDB coming to an end on June 30 th , those parents and guardians are now invited to apply to the CDCP for the children under their care.

All remaining eligible Canadian residents between the ages of 18 and 64 will be able to apply online in 2025.

CDCP provider participation is voluntary. Oral health providers eligible to participate and who can bill for services include:

• dental hygienists
• dental specialists

Earlier this month, the Government of Canada launched the Oral Health Access Fund (OHAF) . This Fund will support projects that aim to improve training and capacity for oral health care providers, connect people to oral health care, and deliver prevention and education efforts to improve oral health.

Associated links

• Canadian Dental Care Plan – Apply
• CDCP Provider Search Tool
• OHAF Call for proposals

Christopher Aoun Press Secretary Office of the Honourable Mark Holland Minister of Health 613-291-4176

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