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The Definition Of “Date Last Insured”

By Kenton Koszdin on June 21, 2018 | In Disability Insurance

The Definition Of “Date Last Insured”

The “Date last insured” (DLI) is an important term in every Social Security Disability Insurance (SSDI) case. (This term does not apply to Supplemental Security Income (SSI) cases). The DLI is the last date that an individual is eligible to receive SSDI benefits. Like many terms in the world of disability law, the interpretation of DLI is complex and often confusing to SSDI applicants. An attorney knowledgeable and experienced in Social Security disability law is more than helpful in clarifying and explaining this and many other important disability terms.

For an applicant to be approved for SSDI, she must meet the requirements of the “recent work” test. This means that the applicant must have worked 20 of the last 40 quarters, or five of the last ten years. The Social Security Administration (SSA) will look back ten years from the date an applicant filed a disability claim to determine the date last insured. The date an applicant filed an application, not the date that she stopped working due to the disability, is the date used to determine the date last insured.

For individuals who have not worked continuously, the DLI is based on the date the worker ceased working at a job that pays FICA taxes into Social Security. If this date was five years ago, the DLI would be today.

Once the DLI has passed, Social Security will deny an applicant’s request for SSDI disability benefits. However, there are two exceptions where benefits may still be approved. First, if medical evidence proves that the onset of a disability was prior to the DLI, or, second, the applicant received a protective filing date before filing the disability application, and that date is prior to the date last insured.

Establishing a disability onset date may be difficult, especially since many disabilities are not caused by a singular event. Such an analysis may necessitate retaining the services of an experienced, knowledgeable, and qualified Social Security Disability attorney. Contact the Kenton Koszdin Law Office today for a free consultation. We even offer free in-home consultations! Call 800-438-7734 or visit us online. It will be a pleasure to hear from you. Se habla espańol!

 

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