Date last insured (DLI) is the last day in the last quarter when disability insured status is met. You must have at least 20 quarter of coverage during a 40 quarter period and be fully insured in the quarter that the waiting period begins. What does that mean? In order to win your Social Security disability claim, you must show that you were disabled prior to your date last insured. For example, if your DLI is 10/31/2010, and your medical evidence shows that you are disabled as of 11/01/2011 and going forward, you are not going to be awarded Social Security Disability benefits. If you can show that you were disabled on or prior to 10/31/2010 and continue to be disabled, then you are going to be awarded Social Security Disability benefits. You may still be eligible for SSI benefits, but you have to be financially eligible for SSI benefits.
Some clients have said to me that it’s a rip off; however when you work – you pay into the system. When you stop working, you stop paying into the system. At some point, your disability insurance will lapse. Think about it in terms of whole life insurance.
This is why it is very important that you apply for Social Security Disability benefits sooner rather than latter. When you don’t work and you don’t apply right away for Social Security Disability benefits, over time your DLI slips away. DLI cases are difficult but winnable – and you should consult with Attorney Smith if you are applying for Social Security Disability benefits and have a DLI in the past.