Anne Pridmore, who runs a network for disabled people called Being the Boss, employs five personal assistants for round-the-clock care at her home in Leicester.
The care costs £11,000 a month and is funded by Leicester County Council through a pre-paid card.
She told the BBC she was worried about the consequences of not being able access the funds, since she could not otherwise afford it.
“If they don’t get paid, my employees could take me to court,” she said. “I am their employer so the buck stops with me.”
Ms Pridmore said she had been left frustrated and angry.
“This service blackout is leaving vulnerable people and essential workers in limbo, without any viable alternative”.
Leicestershire County Council said around 3,500 people in the county held pre-paid cards, but not all of them would be impacted by what was a “national” issue.
A spokesperson for the council told the BBC it had reached out to those who were affected with “support and advice on what to do if they need to make payments urgently and to ensure that alternative arrangements are in place”.
“We appreciate the difficulties that this has caused and are doing everything we can to help,” the statement added.