How Legal Design Let Us Scale Without Breaking Disability Rules
Overview: When your founder is under federal disability income restrictions, scaling a company gets tricky. But it doesn’t have to stop you. Affiliated Commerce grew legally and safely through intentional legal architecture. This is how we did it.
1. The Challenge: Legal Growth on a Personal Cap
The founder is blind and on SSDI. That means strict earning caps and reporting requirements. Most business models would have triggered a disqualifying event. We needed to grow while keeping compliance airtight.
2. The Strategy: Structure First, Roles Second
We set up an S-Corp structure and issued a formal Founder Oversight Disclaimer. This documented that the founder's role was strategic and advisory, with no operational duties or execution credit.
3. Attribution Agreements: Shifting Execution Legally
All team members signed attribution agreements. This moved authorship, project credit, and compensation to the implementers—even if the strategy came from the founder. This kept the founder legally below SGA.
4. The Outcome: SSA-Ready, Audit-Ready, Scalable
The result? We grew without compromise. We now operate multiple divisions, onboard teams, and publish content at scale—with the full legal documentation to prove structure, compliance, and role integrity.
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