Good morning Susan,
I'm Doug, and I'm sorry to hear of the confusion. My goal is to provide you with excellent service today.
Because I do not have access to your protected social security financial information, while I cannot answer for you directly what your benefit would be, I can certainly explain to you how you can get those answers in about 15 minutes.
If you currently live in the United States you can create your own MySocialSecurity account with the Social Security Administration and get all sorts of information about your account with them.
1. Using your online “my Social Security” account. If you don’t already have an account, you can create one online. You can open your own social security online account and get a replacement SSA-1099, see your earnings statement,estimated retirement benefit and much more, in about 15 minutes through this site: http://www.ssa.gov/myaccount/ Once you are logged in to your account, select the "Replacement Documents" tab.
2. Or, you can call Social Security at 1-***-***-**** (TTY 1-***-***-****), Monday through Friday from 7 a.m. to 7 p.m. and request a replacement document.
3. Finally, if you prefer face to face transactions, you may contact your local Social Security office and they will process the request for you.
If they are telling you that the reason you do not qualify for social security disability is that you did not file---what they mean is that you did not file a Tax Return with the IRS for those years. You see, in order to qualify for disability, you must be able to show that you worked at least 5 of the last 10 years immediately before you file for disability. If you did not file a tax return, then you would have no proof of having worked. If you didn't file because you were not working, then that is a problem too because you cannot earn social security credits while you are not working.
However, you can easily determine your estimated retirement benefits by going and signing up at the social security site that I provided you a link to.
You may reply back to me using the Reply link and I will be happy to continue to assist you until I am able to address your concerns, to your satisfaction.
I hope that I have been able to fully answer your question. As I am not an employee of JustAnswer, please be so kind as to rate my service to you. That is the only way I am compensated for assisting you. Thank you in advance.
I wish you and yours the best in 2016,