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 money
How time becomes a hidden cost for people with disabilities
The challenges of transportation, paratransit systems, and daily planning
Medical expenses, personal care assistance, and utility costs
Dawn’s employment journey before and after the ADA
Why turning 65 changed everything in her access to support
The Medicaid “catch-22” and client share system
Planning ahead: Trusts, financial planners, and ABLE accounts
State-by-state differences in disability support programs
Calls to action for listeners, advocates, and lawmakers
Find your state’s UCEDD (University Center for Excellence in Developmental Disabilities)
Connect with local advocacy groups in your area for guidance and support
If 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