Posted on behalf of Harbin & Burnett on Apr 17, 2018 in Social Security Disability
Working "under the table" and Social Security Disability Benefits
Every few weeks our office gets a telephone call with a similar fact pattern. The caller, usually a male, is calling regarding disabilty benefits. He has been denied because he does not have enough work credits. He has also been denied SSI benefits because he has too much assets. As soon as we hear this, we ask if the person was working "under the table" or "off the books". Almost every time the answer is yes. The person worked construction, landscapping or another job where cash payments are common. Usually the person paid taxes for a while then, fill in the reason (got behind on expenses, child support, medical bills, etc.) stopped paying taxes. The person meant to do this for a short period only, but here we are twenty five years later.
Now the person is 50-60 years old, with a bad back or knees, and unable to work anymore. Unfortunately, his years of avoiding taxes will preclude him from receiving benefits now. It is a bad situation for a person to be in, be it is a situation for which they can only blame themselves.
If you are tempted to work under the table, please be aware of how this will affect your eligibility for disability and retirement benefits.