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 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.

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?

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?

If you apply for disability in Virginia

Will I qualify for disability Benefits in Virginia?

Getting a Disability Lawyer in Virginia

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.