Government shutdowns affect every federal employee, but the impact on disabled federal workers is often overlooked. With one in five civilian federal employees identifying as disabled, these shutdowns create unique financial and health-related challenges. From delayed accommodations to disrupted benefits, disabled workers face a heavier burden than most when paychecks stop and uncertainty sets in. Understanding these challenges—and preparing for them—can make a critical difference.

Why Shutdowns Hit Disabled Federal Workers Hard

According to the Partnership for Public Service, 21% of federal civilian employees have a disability. For these workers, the stakes are higher during a shutdown. Interrupted health insurance can mean losing access to medications, therapies, and specialists. Some employees must reapply for accommodations after furloughs, delaying their ability to return to work. Others face higher out-of-pocket costs for essential care, assistive technology, and home support. Unlike discretionary expenses, these costs don’t pause when government funding stalls—creating what many advocates call the “disability tax.”

The Emotional and Financial Toll of Shutdowns

Shutdowns not only disrupt paychecks, they increase stress and health risks. Disabled workers often juggle medical bills, mobility expenses, and family caregiving responsibilities that don’t fit into budget cuts. As one policy worker explained, the stress of uncertainty worsens health conditions and forces workers to make impossible trade-offs between medical care and basic needs. The risk is amplified by fears over confidentiality breaches, such as requests for lists of employees with accommodations—creating further anxiety in an already difficult situation.

Preparing for Shutdown Disruptions

Experts recommend that disabled federal employees take proactive steps to safeguard their health and finances. This includes:

• Documenting approved accommodations to streamline reinstatement after furloughs.

• Contacting benefits providers early to understand grace periods for health coverage.

• Exploring financial tools such as ABLE accounts or union hardship loans that won’t jeopardize SSI or Medicaid eligibility.

• Maintaining communication with HR to avoid restarting the accommodation process unnecessarily.
  These strategies can help workers bridge short-term pay gaps and reduce long-term disruptions.

Protecting Progress for Disabled Federal Workers

Shutdowns reveal how fragile the link between employment, health, and security can be for disabled Americans. Despite recent progress in federal hiring, the disability unemployment rate remains nearly double that of non-disabled peers. Extended shutdowns risk undoing these gains and creating long-term setbacks. To truly support this workforce, agencies and policymakers must design crisis plans that protect accommodations, ensure continuity of benefits, and safeguard the well-being of disabled employees who keep our government running.