What Are Disability Insured Status Requirements?

What Are Disability Insured Status Requirements?

What Are Disability Insured Status Requirements
SSDA USA is here with information about disability insured status requirements.

If you are planning on applying for Social Security disability benefits, then one of the requirements that you are going to have to meet in order to qualify is to have worked a minimum of five out of the last ten years, earning at least 20 out of 40 quarter credits. There are a few exceptions to this, such as if you are under the age of 30. However, in order to qualify for benefits, it’s important that you know your date last insured (DLI).

The Importance of Date Last Insured (DLI)

The date last insured (DLI) refers to the last date that you were eligible to receive Social Security Disability Insurance. The DLI is especially important to know if you haven’t worked for a while. The SSA determines your DLI. They will do this by looking back ten years from the alleged onset date of disability.

DLI depends on the date you stopped working the job that pays the Social Security system through FICA taxes. For example, if you worked for five years straight up until five years ago, then your DLI would be today. However, if you stopped working four years ago, then your DLI would be a year from today. If you haven’t worked for seven years, then your DLI was two years ago.

Qualifying for Benefits After Your SLI Has Passed

If your DLI passed, it means that you cannot receive SSDI benefits. However, there are exceptions to this rule. If you apply for benefits after your DLI has passed, you will need to show that your disability occurred previously. Additionally, if you receive a protective filing dated before your DLI  previous to  applying for disability benefits, your eligibility for Social Security benefits remain intact.

There is a problem, however, with showing that your disability started before your DLI. Doing that makes it difficult to establish an exact disability onset date. You’ll need to prove this date using medical evidence as well, and unfortunately, medical records often don’t have enough evidence to show that the onset date was a specific number of years ago.

If you applied for disability benefits at an earlier time, then a good SSDI lawyer could reopen your old claim. The SSA could consider this evidence of an early disability onset date. Even if you can establish your onset date as before your DLI, you still need to fulfill recent work requirements. However, in this case, the ten-year look-back period will begin with the established onset date of your disability. So, let’s say you stopped working six years ago because of a bad accident and applied for benefits now. The look-back period will stretch from six to sixteen years ago.

How Can SSDA USA Assist Me?

Your date last insured (DLI) can affect whether you will be eligible for Social Security disability benefits. For guidance determining when your DLI is or for help establishing your disability onset date, be sure to contact us for a free consultation. You can reach us 24 hours a day, seven days a week, by calling us at 602-952-3200 or by using our LiveChat feature.

This is attorney advertising. SSDA, LLC is a group of attorneys that pursues claims for Social Security Disability benefits on behalf of its clients against the Social Security Administration. SSDA, LLC is in no way a part of the Social Security Administration. Further, the information on this blog is for general information purposes only. Nothing herein should be taken as legal advice. This information is not intended to create, and receipt or viewing does not constitute, a representative-client relationship.

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