The Social Security Disability Insurance (SSDI) program operates like an insurance policy. While you are working (at a job that pays into the Social Security system through FICA taxes), the FICA taxes you pay go toward your “premium.” When you stop working, your coverage stops after five years. The day your coverage lapses is called your “date last insured” (DLI). To receive SSDI benefits, you must prove that you were disabled while you were still insured. It’s a complicated and demanding process. You’ll need help from an experienced Social Security benefits attorney.
For example, if you were disabled in a traffic accident in April 2005 and were no longer able to work, your DLI would be in April 2010. Even if you are visibly disabled, your claim will not be approved unless you can prove you were disabled before April 2010. (Be sure to check with Social Security to verify the exact date you were last insured.) Your DLI does is not a time limit for when you can apply for benefits, but whenever you apply, you must be able to show that your disability began during the period of time you were insured. Nevertheless, don’t wait to apply for SSDI benefits; doctors’ offices often purge old records, and Social Security uses medical records in the decision-making process. A good Social Security benefits lawyer can help you compile the documents and medical records you’ll need.
How a Social Security Attorney Can Help You Access Benefits
The Supplemental Security Income (SSI) program has different eligibility rules than Social Security Disability Insurance (SSDI). Even if you are no longer eligible for SSDI benefits due to your date last insured, you may still qualify for SSI benefits.
An experienced Social Security disability attorney can help determine your eligibility, guide you through the application process, and handle any paperwork. If your initial claim was denied, a skilled attorney can also help you file an appeal to pursue the benefits you deserve.
If you believe you qualify for SSDI or SSI benefits, don’t delay. Contact an experienced Social Security disability attorney right away to protect your rights and get the financial support you need.