How to Check Your Date Last Insured

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Artwork: Zeraph Dylan Moore

Social Security has a special date for you. It’s called your Date Last Insured. You may also hear people call this the “Date Your Work Credits Expire.” This date is used to decide whether you are eligible for SSDI.

It’s a good idea to find out what this date is! You can do this by calling Social Security and saying “What’s my Date Last Insured?” In some cases, you may be able to find your Date Last Insured in your online account, or by asking your lawyer.

This will tell you what Social Security thinks is your date. Sometimes mistakes get made, so if you want you can double check and try to figure out your Date Last Insured yourself. While you are doing math, check out this chart of how much it takes to earn a work credit. It changes every year.

If you stopped working recently, you probably do not have to worry about your Date Last Insured right now, but it will depend how much time has passed, how long you worked, how old you are, and how much you earned. You might as well check to give yourself peace of mind.

More Fun Things You Can Check

While you are checking your Date Last Insured, you might as well check your earnings record as well! Your earnings record is the record of all the years you worked and paid Social Security tax. You can check your earnings record at the same time (look it up online or request over the phone that they mail it to you).

If it turns out anything is missing in your earnings record you may be able to correct your earning records. Cindy did this with great success! Cindy corrects her earnings record. This will magically make your Date Last Insured change. It might also magically increase your disability check.


WHAT IS YOUR DATE LAST INSURED AND WHAT ARE YOU GOING TO DO ABOUT IT

“My Date Last Insured is a long time from now!”

Excellent. In your dream world, a final decision will be made before your Date Last Insured even hits. If this is the case, you are in the clear. You don’t need to do anything else.

“My Date Last Insured is soon!”

You will need great medical records before that date. If you have not yet gotten a doctor that supports you, a doctor’s function form, or a letter from your doctor, now is the time to get cracking! You want as many of those things as possible before your date last insured. If there are any medical tests you need or specialists you want to visit, now is the time to improve your application as much as you can.

“My Date Last Insured is in the past!”

This is not ideal. But don’t worry, you still have options. Your first option is to prove that you became disabled before that date: How to Go Back in Time. Another option is: if you are poor, you can apply for SSI instead of SSDI. There are even more options you can also try: How To Apply For Disability if You Don’t Have Enough Work Credits

“I have no Date Last Insured. I was never insured!”

Once again, this is not ideal. But once again, you still have options. If you are poor, you can apply for SSI instead of SSDI. You can also check out this list of: How To Apply For Disability if You Don’t Have Enough Work Credits

“I applied and got denied. Now my Date Last Insured has past.”

You can continue to appeal your case, you just need to prove that you became disabled before the date past.

“I applied and got denied. Now my Date has past, and I can’t appeal.”

If you cannot keep appealing (because you missed the deadline, or because you already used all possible appeals), this situation is a bit trickier, but you do still have options:


Updated January 2018. Please comment below with stories, ideas, questions or suggestions. Please let us know if any links on this page stop working. If you found this page helpful, please share it with others by pressing one of these magic little buttons: 

1 thought on “How to Check Your Date Last Insured”

  1. I keep trying to go back to work but I just can’t make it work. I’ve always wanted to make my own money since the kids got older but I just stay so sick.

    Thank you for figuring out my Social Security work credits. I can’t say enough how much your help and kind words mean to me!

    Like

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