Special Notes for People Who Are Self-Employed

If you are self-employed, or you were self-employed in the past, here are a few tips to keep in mind:

๐ŸŒžย If you are not yet on disability, you may be eligible to apply, if your income is under $1,170 per month: How to Apply for Disability While Working

๐ŸŒžย If you are already on disability, you may be eligible to stay on disability, if your income is under $1,170 per month:ย How to Work Without (Too Much) Trouble

๐ŸŒž Social Security will only count the amount your business makes after business expenses and deductions. Sometimes this is a good thing (shows that you were too disabled to earn income) and sometimes this is a bad thing (you did not earn enough work credits because you did not make enough income to pay Social Security taxes).

๐ŸŒžย Social Security will compare what you write about work with what is on your tax records.ย Make sure your tax records are accurate (if anything is inaccurate, it is sometimes possible to amend past records).

๐ŸŒžย Make sure Social Security has your correct earnings record. Here’s how:ย Cindy Corrects Her Social Security Work Credits. If it is not correct, you may get the wrong amount of disability check.

๐ŸŒžย Sometimes people who are self-employed have problems qualifying for Social Security disability because they did not earn enough to pay taxes. This can happen if your business has a lot of business expenses, so you are not having taxable income. That is why it’s important that your taxes and work credits are correct!

๐ŸŒžย If you are not sure if you are eligible and you want to check here’s how toย Check if you qualify for disabilityย 

๐ŸŒž If you are not sure if your work credits are recent enough, here’s how to Check your date last insured

๐ŸŒžย If you are told that you are not eligible to apply for disability, don’t panic. Check out:ย How to Apply for Disability When You are Told You Canโ€™t Apply for Disability

๐ŸŒžย If possible, do not stay listed on a spouse’s business or anyone else’s business if you no longer work there. This may make it look like you are still working when you are not and could cause problems with your application. Make sure your tax records are clear.

๐ŸŒž Social Security has created special work incentives designed to lower your countable income. This can help you become eligible or stay eligible for disability. If you are on SSI, it can keep your check from being reduced. Some work incentive programs are specifically for people who are self-employed.

Updated April 2018. Please comment below with stories, ideas, questions or suggestions. Please let us know if any links on this page stop working.ย If you found this page helpful, please share it with others by pressing one of these magic little buttons:ย 

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