When You Can’t Work Anymore: Exploring Your Options

Posted January 2, 2023 by in Career

When you can’t work anymore due to age, illness, or disability, it can be a stressful and overwhelming time in your life. It can be challenging to adjust to a new lifestyle that you never expected to have. This is a reality that over 26% of Americans face each day as they live with and claim some disability. However, there are options available to you that can help you to make a successful transition. Exploring these options can help you to make a plan for the future that will bring you peace of mind and financial security. With the correct information and support, you can find a way to make the most of this challenging situation and lead a fulfilling life.

Understanding Social Security and other government benefits

The first step in securing your financial future after being unable to work is understanding the different government benefits you may be eligible for. Social Security benefits are a regular government payment that people who cannot work due to age or illness can apply for. Generally, you must have worked for 10 years in a row in the same job to be eligible for these payments. The amount you receive will depend on your income, how much you have paid into the system, and your living situation, but you can use a disability calculator to get a rough idea of what you might be entitled to. Other government benefits may be available to you, depending on your situation.

  • Disability benefits are available to people who cannot work due to health conditions. These benefits are generally only available if your illness or injury is considered to be long-term and prevents you from working in any capacity.
  • Healthcare is also available to you if you cannot work because of your illness or injury. You may be able to receive coverage for medication, therapy, and medical supplies.

Considering other sources of income.

If you are unable to work and don’t qualify for government benefits, you may be able to receive some income from insurance policies. For example, life insurance policies can pay a certain amount if you pass away. This may help provide for your loved ones if you cannot work and have no other source of income. Disabilities can be life-long and difficult to treat. Therefore, it is essential to have a secondary source of income that you can rely on if your disability payments are not enough. One option is to rent out a room in your home. This may be a good option for those with a steady stream of visitors, such as people on vacation or visiting friends or family. Another option is to start an online business. This can be a good option for people with a steady flow of free time due to their disabilities. 

Updating your skills and learning new ones

If you have been unable to work for a long time, it may be difficult to find a new job. In this situation, it is important to update your skills to make yourself as employable as possible. You can learn numerous skills and courses that can help you find a job or improve your current situation. Learning new skills can help you to find a job, earn extra income, or help you to start your own business. There are many different websites and apps that can help you to find courses in your area. Many of these courses are free or low-cost and can help you to get back on your feet. Additionally, you may be able to get financial assistance from your local government to pay for courses and training.


Being unable to work due to age or illness can be very stressful and overwhelming. With the correct information and support, you can find a way to make the most of this challenging situation and lead a fulfilling life. There are options available to you that can help you to make a successful transition. Exploring these options can help you to make a plan for the future that will bring you peace of mind and financial security.