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March 14, 2019

Social Security Disability and Your Date Last Insured

I have found the concept of a Date Last Insured (DLI) can be difficult for my clients to understand.  In my practice as an Indiana Social Security Disability lawyer, I may need to explain this concept to my clients several times to for them to fully grasp what it means.  I understand the difficulty in accepting that your eligibility for disability insurance benefits has expired when you are struggling with a severe disability and find you cannot take care of yourself or your family.  In this blog, I will attempt to explain why your DLI is important and how it is established. Your Date last Insured, or DLI, is established by acquiring work credits.  You establish work credits by working and paying into the Federal Insurance Contributions Act, also known as FICA taxes, to the United States Government.  When you receive your paycheck stub, you can see the amount of FICA taxes being deducted.  By paying this tax, you are essentially paying premiums to receive Social Security Disability Insurance (SSDI) benefits should you become disabled.  Although many factors can come into play, your DLI generally expires around five years after you stop working.  Another general rule is that to establish a DLI, you must have worked full time for at least 5 out of the last 10 years.  If you have recently stopped working due to a disabling condition, your DLI is usually in the future. However, if you stopped working many years ago, your DLI may have already passed, which is sometimes referred to as a “remote DLI.”  So, why is your DLI so important?  Your eligibility to receive SSDI benefits is determined by your DLI.   You must prove to the Social Security Administration (SSA) and/or an Administrative Law Judge (ALJ) that you became disabled before your disability insurance … Continued

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May 22, 2018

When Does Your Eligibility For Social Security Disability Insurance End?

Many of my clients ask questions about their eligibility for Social Security Disability Insurance (SSDI).  Like many other insurance programs, there is a date when your coverage expires, and you must prove to the provider (in this case, Social Security) that the claim occurred before the insurance has ended.  With SSDI, that date is based on your work history and can be in either the past or the future.  This is known as your Date Last Insured (DLI). Your DLI is established by working over a period of time. A general rule of thumb is that you must have worked at least 5 of the last 10 years (20 of the last 40 quarters) in order to have a DLI that has not yet expired.  You must be contributing to Social Security through FICA taxes during these quarters to be eligible.  The specific number of credits needed varies by your age.  If you would like to find out your DLI, you can contact Social Security directly. Many of my clients ask me why their DLI is important.  In my experience, cases are won or lost based on how much time has occurred since the DLI has expired.  A DLI in the past (known as a “remote” DLI) can make a claim difficult to win because the Social Security Administration (SSA) may only consider evidence of medical treatment prior to that date.  Even if your condition worsens after the DLI passes, Social Security may not find you disabled.  If you are diagnosed with a new condition after the DLI passes, Social Security will not consider it as part of your SSDI claim. Therefore, I recommend that anyone seeking Social Security Disability apply for benefits as soon as they believe they are unable to work due to medical conditions.  Too often, I’ve … Continued

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October 30, 2014

Indiana SSDI Benefits and Your Date Last Insured

The Social Security Administration’s eligibility requirements for Social Security Disability Insurance (SSDI) can be confusing.  If you have applied for SSDI benefits, you may have been told about your Date Last Insured (DLI).  Your DLI is one of the first things Social Security checks when determining whether you are eligible for disability benefits. Most workers either have Social Security taxes deducted from their paychecks or pay them when they file their tax returns on self-employment income.  For each quarter (three-month period) that you earn enough money, Social Security awards you a credit for that quarter.  You must accumulate enough work credits to be eligible for Social Security’s different programs. For Social Security Disability Insurance, not only must you have enough work credits, but you must have enough of them in the last ten years in order to qualify.  Social Security’s formula for calculating the required number of credits is complicated; the number of credits you need varies depending on your age.  However, if you are over the age of thirty you generally need to have worked and earned credits for five of the last ten years.  (If you are younger than age thirty, you generally need to have work credits for about half the time since you turned twenty-one.) Therefore, as time passes after you stop working and earning credits, the fewer of your work credits count toward your eligibility for disability.  Eventually you will reach the point at which you no longer have enough work credits to qualify for disability.  This point is your Date Last Insured.  If it has been several years since you have worked, your DLI may be in the past.  If this is the case, you may still be eligible for SSDI, but you will have to show that you became disabled before your DLI.  If you stopped … Continued

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