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.
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.
“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: How to Apply for Disability When You are Told You Can’t Apply for Disability
“I have no Date Last Insured. I was never insured!”
Once again, this is not ideal. But once again, you still have options: How to Apply for Disability When You are Told You Can’t Apply for Disability
“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 Last Insured has past. I can’t appeal”
If too much time has passed for an appeal, or if you have already done every appeal possible, this situation is a bit trickier.
If your Date Last Insured was after your last denial, you are OK. You can simply start a new application and follow any of these ideas for How to Apply for Disability When You are Told You Can’t Apply for Disability. For a hearing, consider the date of your hearing the denial date – not the date you got the letter.
If your Date Last Insured was before the decision got made, this is a bit trickier! Your options are:
- Check the link above and see if there is a way to change your Date Last Insured
- Give up on SSDI and apply for SSI instead (if you are poor)
- Keep applying for SSDI and attempt to get your case reopened.