I am 54yrs old my Dr. already has me disabled but S.S. has not due to i''m still working and I got to work for my health ins.

NEVER rest on a right or defense you may have. Legal rights are not like wine - they don't improve with age or time. Time limits can completely prohibit recovery. SEEK LEGAL ADVICE IMMEDIATELY.  Go to http://www.lawyers.com/Social-Security-Disability/Texas/browse-law-firms-by-city.html to find someone in your state.