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Social Security Disability: What is my Date Last Insured?

Social Security Disability: What is my Date Last Insured?

What is my Date Last Insured? If you have applied for Social Security Disability (SSDI) benefits and been denied them, chances are you read something in your denial letter about your Date Last Insured (DLI).  Odds are also good that you don’t have the faintest idea what a Date Last Insured means.

Your Date Last Insured (DLI) is the latest date someone filing for Social Security Disability benefits is eligible for SSDI benefits; they must be able to prove that their disability began prior to this date.  If you Date Last Insured was December 31, 2014, then in order to obtain Social Security Disability benefits, you have to be able to prove that you became disabled prior to December 31, 2014; if your disability began on January 1, 2015, then you would not be able to obtain SSDI benefits.

Your Date Last Insured is based on you working and paying your Social Security taxes for 20 out of the last 40 quarters (5 out of your last 10 years working).  SSDI stands for Social Security Disability Insurance, and paying your Social Security taxes is in effect paying your premium for coverage.  For instance, if you have worked your adult life and last worked 5 years ago, then you would still be insured and therefore eligible for SSDI benefits; if you last worked 2 years ago you would be insured for SSDI benefits for the next 3 years.

If you DLI has expired prior to your becoming disabled, then you are not entitled to SSDI benefits, but you may still be eligible for SSI benefits as SSI is not based on the number of quarters you have paid into the system, but instead is based on your being disabled and having very little in assets and income.

If you have been denied Social Security Disability benefits in Alabama and you have questions about your right to Social Security Disability benefits and/or SSI benefits, don’t hesitate to contact and talk with one of the experienced Alabama Disability Lawyers at Powell and Denny today for a free consultation.  Virtual appointments via Zoom are available for your protection during the coronavirus pandemic-so you can put the 28+ years of experience the attorneys at Powell and Denny have in practicing Social Security Disability law to work for you wherever you live.

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Social Security Disability: What is my Date Last Insured?

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