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DisabilityCan I Get Disability Benefits If I Am Self-Employed?

October 5, 2022

Self-employed? If you’re a gig worker, a contractor, or own a business, you certainly are. But what happens if you get hurt or sick and can’t work? Can you file for disability benefits? Maybe. Here, our disability team at Omaha’s Watson and Carroll takes a look at how being self-employed impacts disability benefits. 

Social Security Disability Lawyer in Omaha and Council Bluffs 

Watson & Carroll, P.C., L.L.O.’s Social Security Disability team can help you secure benefits needed  to support yourself. Chellsie Weber, our wildly successful and experienced disability attorney, and Abby Reid, our wonderful and thorough disability paralegal, can offer support and advice as it pertains to your disability and the benefits approval process. Remember, you’re more likely to have a successful disability claim with an attorney by your side. Call us today at 402-991-2100. You also can share your story here.

How Can A Self-Employed Worker Disability? 

If you are employed by a business, your Social Security taxes are deducted from your paycheck. If you are self-employed, you pay your taxes either on a quarterly basis, when you file your estimated taxes, or when you file your income tax. It doesn’t matter how or when you pay your Social Security taxes just so long as they are paid you will earn credits and become eligible for disability benefits. 

Just like those who are employed by a company, those who are self-employed earn one credit for each quarter in which they earn a minimum amount. If you make at least $1,510, you will earn one credit toward qualifying Social Security benefits as of 2022. If you earn at least $6,040 in a year through self-employment, you earn your maximum four credits during that year. 

Applying For Disability Benefits 

If you become unable to work because of medical issues, you can apply for Social Security Disability Insurance (SSDI). To qualify for SSDI, you must have earned enough credits. If you are self-employed, you earn those credits through paying your taxes. You file a disability claim just like you would anytime. Like all claims, you’ll need to gather supporting medical evidence, and you must show proof of your income, including past tax filings and more. 

The right documentation is essential to the success of a disability claim, so be sure to have clear financial records as well as supporting medical evidence. A disability lawyer can help you through the claims process, ensuring you have all the evidence and documentation that your claim needs to advance and succeed. 

Does Self-Employment Affect SSI? 

If you were self-employed but have not paid enough FICA taxes to qualify for SSDI, you may still qualify for Supplemental Security Income, also known as SSI. It’s a needs-based disability program that provides disability benefits to people — even those who were self-employed — with limited assets.

How Do I File A Disability Claim? 

If you can’t work — and you have been self-employed in the past — consider working with an experienced disability lawyer. Watson and Carroll, P.C., L.L.O., has a team of experienced disability lawyers who have helped thousands of disabled workers get their disability claims approved. Ask for a free case review today, so you can get your claim on the right track.

About Watson & Carroll 

Watson & Carroll, P.C., L.L.O., is not a high-volume law firm that only speaks with clients when it is absolutely necessary. For us, it’s personal. Our team works closely with our clients and their loved ones – not only so that we understand their challenges and concerns, but so we can tailor our approach to address those factors, aggressively pursue results, and secure peace of mind. Whether it is a medical malpractice case or advocating for disability benefits, we work to protect our clients and make sure their rights are upheld. 

Our firm can help. Call 402-991-2100 or email contact@watsoncarroll.com. You also can fill out our confidential contact form.


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