What is the Application Process for Social Security Disability and SSI?
How do you Win Benefits under Social Security Disability or SSI?
If I am determined disabled, how far back will Social Security pay benefits?
How do you prove your disability case if you have a mental condition?
What Can I Do to Improve My Chances of Winning Disability Benefits
Common Mistakes after Receiving a Denial of Social Security Disability or SSI Benefits
How to File for Disability - Tips for Filing
If You Get Approved For SSDI Will You Also Get Medicare?
How much does a Social Security disability attorney get paid?
Social Security Disability SSI Criteria and the Evaluation Process
How long does it take to be approved for SSI or Social Security disability?
What do you Need to Prove to Qualify for Disability Benefits?
Social Security Disability SSI and Fibromyalgia
Social Security Disability SSI and Degenerative Disc Disease
Can I Qualify For Disability and Receive Benefits based on Depression?
Answers to questions about SSD and SSI disability
What Disabilities Qualify for SSI and Social Security Disability Benefits?
Social Security Disability Status
Social Security Disability Tips — how a claim gets worked on
Social Security Disability, SSI Disability - Terms, Definitions, Concepts
Can You Get Disability Benefits If You Were Self-Employed and had Self-employment Earnings?
How to prove you are disabled
and win disability benefits
You can get disability benefits if you are self employed or you are employed by an employer. While most people have their Social Security taxes withheld from their paychecks by their employers, self-employed people pay their Social Security taxes quarterly through estimated taxes, or annually through their income tax return. It does not matter how you pay your Social Security taxes as far as the social security administration is concerned (though the IRS can impose penalties if you do not pay taxes quarterly) it just matters that you pay them.
Many self employed people have a hard time getting Social Security benefits because they declare no profit in their businesses; thus, they pay no Social Security taxes. If you do not pay any taxes, you cannot get Social Security disability benefits. It is advisable to declare some profit and pay taxes rather than offset all of your self-employment earnings with expenses.
Unfortunately, those who actually make no profit find themselves in the same predicament with Social Security.
Self employed individuals can earn one work credit per quarter provided their net self employment is equal to, or more than, the amount set by Social Security for a quarter of coverage. Usually, the amounted needed to earn a quarter of coverage changes each year. You can earn a maximum of four quarters of coverage per year. If you earn enough work credits or quarters of coverage you can get Social Security disability. Remember, earning your quarterly work credits only insures you for Social Security disability. The amount of your disability benefits depends upon how much money you declare as profit.
As a self-employed person, your net self-employment earnings are reported to you Social Security earnings record rather than your gross earnings. Higher net self-employment earnings generally result in higher monthly Social Security disability benefits.
What if you have not earned enough quarters of coverage or work credits through your self-employment to be covered or insured by Social Security disability? If you are not insured for Social Security disability, you may still qualify for SSI, or Supplemental Security Income disability. The SSI disability program is a need based disability program that is not dependant upon your earnings record. It does, however, require you to meet income and resource limits like other need-based social programs.
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Topics and Questions
SSD and SSI are Federal Programs
The title II Social Security Disability and title 16 SSI Disability programs operate under federal guidelines and, therefore, the program requirements--medical and non-medical--apply to all states:
Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Indiana, Illinois, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming
Recent approval and denial statistics for various states can be viewed here:
Social Security Disability, SSI Approval and Denial Statistics by state
Special Section: Disability Lawyers and unnecessary claim denials