What is the Application Process for Social Security Disability and SSI?
How do you Win Benefits under Social Security Disability or SSI?
If I am determined disabled, how far back will Social Security pay benefits?
How do you prove your disability case if you have a mental condition?
What Can I Do to Improve My Chances of Winning Disability Benefits
Common Mistakes after Receiving a Denial of Social Security Disability or SSI Benefits
How to File for Disability - Tips for Filing
If You Get Approved For SSDI Will You Also Get Medicare?
How much does a Social Security disability attorney get paid?
Social Security Disability SSI Criteria and the Evaluation Process
How long does it take to be approved for SSI or Social Security disability?
What do you Need to Prove to Qualify for Disability Benefits?
Social Security Disability SSI and Fibromyalgia
Social Security Disability SSI and Degenerative Disc Disease
Can I Qualify For Disability and Receive Benefits based on Depression?
Answers to questions about SSD and SSI disability
What Disabilities Qualify for SSI and Social Security Disability Benefits?
Social Security Disability Status
Social Security Disability Tips — how a claim gets worked on
Social Security Disability, SSI Disability - Terms, Definitions, Concepts
What Determines If You Are Covered for SSDI (Social Security Disability) Benefits - The DLI Issue
How to prove you are disabled
and win disability benefits
I have spoken to many disability claimants who were having problems with their date last insured or DLI. Date last insured is a very difficult concept for many to understand, especially if they have worked most of their life--but have not been able to work for many years.
It is easier to explain date last insured, if you look at it (SSDI) as an insurance program. Social Security disability is an insurance program and the premiums are paid through payroll taxes. As long as you are working and taxes are being withheld from your payroll check, you are paying your insurance premium. If you are self employed it is important to show some kind of net profit in your business if you want to be insured for Social Security disability (you have to pay FICA taxes).
I have met many people who been self employed all their lives...who are not able to receive Social Security disability benefits because they never paid taxes a.k.a. their premiums. In essence, if you never pay into the Social Security system you will not be insured for Social Security disability.
Even if you have worked and are insured for Social Security disability, you will not be insured forever. Like other insurance programs, Social Security disability coverage can lapse when premiums stop being paid. When you stop working, you stop paying your Social Security disability premiums through payroll tax deductions.
It takes some time for your Social Security disability insurance to lapse after you stop working but it will end. The date your disability insurance ends is known as the “date last insured”, or DLI. The date last insured will always be the last day of a quarter (i.e. March 31, June 30, September 30, and December 31). Generally, most individuals are able to keep their insured status for about five years after they stop work or stop paying into the system through their payroll or self-employment taxes.
If you have a date last insured in the past or your date last insured will come before your disability case is resolved, you should make sure to stay focused on your disability claim. This may be your only chance to receive Social Security disability benefits. It is important to provide disability examiners with whatever information they request and to attend any scheduled consultative examinations required. Disability examiners can deny your disability claim if you do not provide information or you do not attend your consultative examination--without ever looking at your medical information.
If your disability claim is denied, it is especially important to appeal your denial if the decision is past your date last insured or DLI. If your disability claim is denied, it may be a good idea to consider the services of a Social Security disability attorney or non-attorney representative who can make sure you do not miss your appeal dates.
Should your disability claim have to be appealed to an administrative law judge, your representative can present your disability case in a way that is most favorable to you. Since this could be your last chance to receive Social Security disability, you should do everything in your power to make sure your disability claim has a positive outcome.
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Topics and Questions
SSD and SSI are Federal Programs
The title II Social Security Disability and title 16 SSI Disability programs operate under federal guidelines and, therefore, the program requirements--medical and non-medical--apply to all states:
Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Indiana, Illinois, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming
Recent approval and denial statistics for various states can be viewed here:
Social Security Disability, SSI Approval and Denial Statistics by state
Special Section: Disability Lawyers and unnecessary claim denials