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If your doctor thinks that it is worthwhile investigating the option, then you might pursue this. Keep in mind that if you are classified as disabled, you will no longer be eligible for most private insurance products. This means that you will only be eligible for coverage on things included in the Medicare plan, and you'll be on your own for anything above and beyond what they might pay, such as items that might be covered by a private insurer. Regarding ownership in a small company, you'll need to check with your financial professionals regarding this. In general, disability means that you are unable to be an active participant, which means that passive income, such as that derived through ownership and not work, is treated differently than active income.