Overview of Disability

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Disability Requirements

Disability Applications

Disability Advice Tips

How long do cases take?

How to win Disability

SSD Mistakes to avoid

Disability for Mental

What if you get denied?

How to file Appeals

Disability through SSA

SSI Disability Benefits

Disability for Children

How do I qualify for it?

Working and Disability

Disability Award Notice

Disability Lawyer Q&A

Disability Conditions List

What is a disability?

Your Medical Evidence

Filing for your Disability

Disability Eligibility

SSD SSI Definitions

Recent Questions

SSDRC Disability Blog

I have enough work credits for disability but not in the immediate last ten years. Am I out of luck?

I am a 48yr old male with a severe bipolar disorder that has negatively affected my ability to work most of my adult life. Outside of a three month temp gig in 2011, I have not been able to hold down a job since 2005. I have been living off savings and kindness since then, but money's getting too tight to mention.

My psychiatrist has recommended that I apply for SSDI. He has been seeing me since 2004, and he assures me that I most certainly qualify on medical grounds.

However, according to my SS Earnings Record, while I have the 27 work credits, 20 of them do not fall in the last 10 years.

Am I out of luck? If we go back to when I was last able to work and count back from there, I do meet the 20-credits-in-10-years criterion.

Just hoping there's a way around this obstacle. Thanks,

Everyone who files for disability has something called a DLI, or date last insured. This is exactly what it implies: it is the date you were last insured for title II Social Security Disability benefits. To win your claim for disability, you and/or your the disability representative working on your case (who can be an attorney or a non-attorney) would need to prove, via the documentation provided by your medical records, that you became disabled prior to the expiration of your date last insured, meaning before your DLI.

If you are not represented by someone on your case, I am not sure you will ever come across the term DLI or the issues it presents. Which points out why representation can be very beneficial. However, whoever represents your case should be well aware of what do when you have a past DLI (for example, if you had just recently stopped working, you would likely have a future DLI, meaning a future expiration date for your insured status for Social Security Disability benefits). Examining your medical records, as with all claims, will be crucial. However, your older records (those that exist before the expiration of your DLI) will be just as important as your recent records which may establish that you currently meet the SSA definition of disability.

If you have never applied for disability, you may be able to take it back to 2005 and apply for Social Security disability and SSI disability simultaneously. Insured status generally lasts about five years after you last worked.

Return to:  Social Security Disability Resource Center, or read answers to Questions

Related pages:

What is the Social Security definition of disability?
Will SSD or SSI Disability Be Based On Newer Or Older Medical Records?
Current medical records are needed to prove disability
Recent Medical Records for a Social Security Disability or SSI case
How Many Work Credits Do You Need To Have For SSI or Social Security Disability Eligibility?
What If I Do Not Have Enough Work Credits For Social Security Disability Benefits?
How many work quarters do you need to qualify for disability?
Filing for Disability Online, Work Credits, and late appeals

Information on the following topics can be found here: Social Security Disability Questions and in these subsections:

Frequently asked questions about getting Denied for Disability Benefits | FAQ on Disability Claim Representation | Info about Social Security Disability Approvals and Being Approved | FAQ on Social Security Disability SSI decisions | The SSD SSI Decision Process and what gets taken into consideration | Disability hearings before Judges | Medical exams for disability claims | Applying for Disability in various states | Selecting and hiring Disability Lawyers | Applying for Disability in North Carolina | Recent articles and answers to questions about SSD and SSI

These pages provide answers to basic questions about pursuing disability benefits

How do I check the status of my Social Security disability claim?
Can you get temporary Social Security disability or SSI benefits?
How do you Win Benefits under Social Security Disability or SSI?
Can I Be Eligible For SSI And Social Security Disability At The Same Time?
How long does it take to be approved for SSI or Social Security disability?
The Difference Between Social Security Disability (SSD) and SSI How are they different Part II