How to file for disability, Filing for SSI
Disability Requirements, Disability Status
How long is the wait?, Disability Application
The Social Security List of Impairments
Qualifying for Disability, Mental Disability
Disability Lawyer Info, Disability Back Pay

Can You Get Disability Benefits If You Were Self-Employed and had Self-employment Earnings?

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 insures you for Social Security Disability. But 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 your 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 dependeant upon your earnings record. It does, however, require you to meet income and resource limits like other need-based social programs.

Related: SSDI and self-employment earnings from a business.

Essential Questions

What is the Social Security Disability SSI list of impairments?

Can you work while getting or applying for Disability?

How Often Does Social Security Approve Disability The First Time You Apply?

Tips for getting Social Security Disability or SSI benefits approved

What medical conditions will get you approved for disability?

What kind of Mental Problems Qualify for Disability?

Receiving a Disability Award Letter

Conditions Social Security will recognize as a disability

Previously answered questions regarding SSD and SSI

Applying for disability in your state

Most popular topics on SSDRC.com

Social Security Disability SSI Questions

The listings, list of disabling impairments

Can a mental illness qualify you for disability?

Disability Lawyers prevent unnecessary denials

How much Social Security Disability SSI back pay?

How to apply for disability for a child or children

Filing a Social Security Disability SSI application

Filing for disability - when to file

How to apply for disability - where to apply

Qualifications for disability benefits

How to Prove you are disabled and Win your Disability Benefits

Qualifying for Disability - The Process

How to get disability for depression

Getting disability for fibromyalgia

SSI disability for children with ADHD

What is the Application Process for Social Security Disability and SSI?

Common Mistakes to avoid after being denied for Disability

Social Security Disability SSI Exam tips

More Social Security Disability SSI Questions

Social Security Disability SSI definitions

What makes you eligible for Social Security Disability or SSI?

New and featured pages on SSDRC.com

Who can help me file for disability?

Related pages:

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?
SSDI and self-employment earnings from a business
Does Social Security take into consideration gross earnings or net earnings?
South Carolina Social Security Disability back pay
Will I get approved for disability in South Carolina?

These pages answer some of the most basic questions for individuals who are considering filing a claim.

Can you get temporary Social Security Disability or SSI benefits?

Permanent Social Security Disability

What is the difference between Social Security Disability and SSI?

Who is eligible for SSI disability?

Can I Be Eligible For SSI And Social Security Disability At The Same Time?

What makes a person eligible to receive disability benefits?

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?

For the sake of clarity, SSDRC.com is not the Social Security Administration, nor is it associated or affiliated with SSA. This site is a personal, private website that is published, edited, and maintained by former caseworker and former disability claims examiner, Tim Moore, who was interviewed by the New York Times on the topic of Social Security Disability and SSI benefits in an article entitled "The Disability Mess" and also by the Los Angeles Times on the subject of political attempts to weaken the Social Security Disability system.

The goal of the site is to provide information about how Social Security Disability and SSI work, the idea being that qualified information may help claimants pursue their claims and appeals, potentially avoiding time-consuming mistakes. If you find the information on this site helpful and believe it would be helpful to others, feel free to share links to its homepage or other pages on website resource pages, blogs, or social media. Copying of this material, however, is prohibited.

To learn more about the author, please visit the SSDRC.com homepage and view the "about this site" link near the bottom of the page.