Overview of Disability
Disability Back Pay
Requirements for Disability
Applications for disability
Tips and Advice for Disability Claims
How long does Disability take?
Winning Disability Benefits
Common Mistakes after a Denial
Mental Disability Benefits
Denials for Disability
Appeals for denied claims
Disability Benefits from SSA
Child Disability Benefits
Qualifications and How to Qualify
Working and Disability
Disability Awards and Notices
Disability Lawyers, Hiring Attorneys
Social Security List of Conditions
What Social Security considers disabling
Medical Evidence and Disability
Filing for Disability Benefits
Eligibility for Disability Benefits
SSD SSI Definitions
SSDRC authored by Tim Moore
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Can I Get Disability If I Was Paid Under the Table?
You may or may not be able to get disability if you were paid under the table for your work. Social Security and Supplemental Security Income (SSI) disability are for individuals who have not been able to work at a substantial level for twelve months or more (even if work is under the table, Social Security considers how much the individual earns each month).
If an individual has not been able to work due to their disabling condition or conditions for that length of time, they may be eligible for one of the Social Security administration's disability programs (SSDI or SSI).
To qualify for social security disability, an individual must have worked long enough and recent enough to be insured for Social Security disability benefits. When an individual works, they pay into the Social Security disability insurance program through their payroll deductions. Their work earnings allow them to earn work credits.
Social Security Disability and Work Credits
Each year, an individual can earn as many as four work credits depending upon their earnings. Work credits determine insured status for Social Security disability.
If an individual has earned enough work credits or quarters of coverage to be insured, and their work is recent enough (generally, individuals must have worked and earned forty quarters of coverage or work credits and twenty of those quarters of coverage must have been earned in the ten years prior to the month the individual became disabled), they may be eligible for Social Security disability.
However, if they have worked “under the table” they have not paid payroll taxes. If they have not paid payroll taxes, their earnings are not reported to the IRS.
Obviously, this creates a hurdle for a person intent on filing for social security disability. Earnings reported to the IRS create an individual’s Social Security earnings record. If the IRS does not report any earnings to an individual’s earnings record, they will not be insured for Social Security disability.
If an individual has worked under the table, they still may be able to receive disability benefits from Social Security. Social Security has a disability program that is based on need rather than insured status. SSI offers disability benefits to children, aged, and the disabled; however disability applicants must meet strict income and resource limits to be eligible for the SSI disability program.
Return to: Social Security Disability Resource Center, or read answers to Questions
Can I Get Disability If I Was Paid Under the Table?
What Determines If You Are Covered for SSDI (Social Security Disability) Benefits - The DLI Issue
Insured Status is What Makes SSDI and SSI Different From Each Other
What Is The Difference between SSD and SSI?
The Difference Between Social Security Disability and SSI Really Involves Work Activity
Am I Eligible to get Benefits (SSDI, Medicare) if I worked overseas and get a disability pension from another country?
Can You Get Disability Benefits If You Were Self-Employed and had Self-employment Earnings?
Information on the following topics can be found here: Social Security Disability Questions and in these subsections:
Frequently asked questions about getting Denied for Disability Benefits | FAQ on Disability Claim Representation | Info about Social Security Disability Approvals and Being Approved | FAQ on Social Security Disability SSI decisions | The SSD SSI Decision Process and what gets taken into consideration | Disability hearings before Judges | Medical exams for disability claims | Applying for Disability in various states | Selecting and hiring Disability Lawyers | Applying for Disability in North Carolina | Recent articles and answers to questions about SSD and SSI
These pages answer some of the most basic questions for individuals who are considering filing a claim.
Filing for disability - How to file for SSD or SSI and the Information that is needed by Social Security
How to Apply for Disability - What medical conditions can you apply and qualify for?
Applying for Disability - How long does it take to get Social Security Disability or SSI benefits?
What happens if I file a disability application and it is denied by a disability examiner or Judge?
How to Prove you are disabled and qualify to win disability benefits
How do you prove your disability case if you have a mental condition or impairment?
Social Security Disability Back pay and How Long it Takes to Qualify for it and receive it
Social Security Disability SSI - Eligibility Requirements and Qualifications Criteria