The purpose of this study was to test a structural model about family income as causally related to family hardiness, pile-up stress, communication, and family adaptation in families of children with disabilities. 250 families of children with disabilities participated as subjects. The models were developed on the basis of confirmatory factor analysis and compared using covariance structure modeling(LISREL). Adequate fitness of the model was observed. Family income showed negative effect on pile-up stress and positive effect on family adaptation. Pile-up stress showed negative effect on family hardiness. Family hardiness showed positive effect on family communication, and family communication showed positive effect on family adaptation.