Background: Households including a member with disabilities carry greater caregiving burdens than those without, increasing the likelihood of economic and emotional imbalances. Objectives: Using Korea Welfare Panel Study (KOWEPS) waves 1-19, this study compares changes before and after disability onset in household income and expenditures, and depression and family-life satisfaction among non-disabled members. Methods: We set onset year as 0 and analyzed three-year windows before and after onset. Income and expenditures were modeled with multivariable linear regression with individual and time fixed effects; Depression and family-life satisfaction with multivariable logistic regression with random effects. Results: For 60 households, 91.67% were two-person; 87.68% of persons with disabilities and 79.34% of non-disabled members were aged 60+. Income and expenditure declined after onset. Among expenditure, food expenses increased overall; healthcare expenses spiked one year before onset and then fell thereafter; housing-management expenses declined from one year before onset. Depression increased slightly after onset, while family-life dissatisfaction was generally flat but slightly decreased after onset. Conclusion: Restricting to first disability onset among family members, we clearly observe the shock in households with no prior disability experience and enhance internal validity. It provides foundational evidence for supporting families of people with disabilities.