The Financial Reality of Disability

In this deeply personal and eye-opening episode, host Dawn Olson unpacks the financial challenges that come with living with a disability—what she calls the “disability tax.” From hidden costs like time and transportation to overwhelming medical expenses and restrictive government program rules, Dawn shares how these realities have shaped her life and career.She also opens up about her work history, her current Medicaid situation, and the frustrating financial bind she’s found herself in after turning 65. Dawn offers practical advice for listeners navigating similar situations and issues a powerful call to action for policy change and advocacy.What the “disability tax” really means—beyond moneyHow time becomes a hidden cost for people with disabilitiesThe challenges of transportation, paratransit systems, and daily planningMedical expenses, personal care assistance, and utility costsDawn’s employment journey before and after the ADAWhy turning 65 changed everything in her access to supportThe Medicaid “catch-22” and client share systemPlanning ahead: Trusts, financial planners, and ABLE accountsState-by-state differences in disability support programsCalls to action for listeners, advocates, and lawmakersABLE Accounts – Achieving a Better Life ExperienceFind your state’s UCEDD (University Center for Excellence in Developmental Disabilities)National Council on Independent Living (NCIL)Social Security Disability BenefitsConnect with local advocacy groups in your area for guidance and supportIf you are a person with a disability or a caregiver, now is the time to start planning financially. Advocate for inclusive policies, get educated about your state’s programs, and support legislation that eliminates barriers and expands opportunities for the disability community."Disability is a universal human experience—if we live long enough, it touches all of us." – Dawn Olson