[jacobr1]

This is why we need to both good private (insurance) and public (social benefit) safety net programs in place.

In the case of a small startup, long term disability insurance should cover the living costs of that disability. Yes, that person should be let go, even a founder, if they are unable to perform their duties. But they shouldn't be kicked the street, and the company also shouldn't be on the hook for their care. Either through premiums or taxes, this situation should be accounted for ahead of time. Employment shouldn't be a lifetime obligation of a company.