If you do not have five years of work in which you paid Social Security taxes in the ten years before you became disabled, you will not qualify for Social Security disability now or after the insurance settlement and there would be no back payment and no ongoing payment.

Sounds like you last paid Social Security taxes in 2001 and became disabled in 1/09. Doubtful you have enough Social Security credits in the right time for disability benefits. Not sure what you by 10 points on the disability part.

Best way to know for sure is to file an application alleging an onset as far back as you think is appropriate, 1/09. SSA will review your earnings records with you and will be able to determine the date you last met the earnings requirement. My guess is that you don't qualify but I don't know anything that you haven't told us. I could be way off. File a claim. Everything else is speculation.

If you and your wife are low income, you might qualify for the Supplemental Security Income (SSI) program. But you need to file a claim, prove limited income and resources and prove you are disabled.