What is a Date Last Insured (DLI)?

A date last insured (DLI), in the context of Social Security disability claims, is the date before which you must be found disabled due to your medical impairments in order to be found eligible to receive Social Security Disability Insurance (SSDI) benefits. Your DLI has no bearing on your ability to receive Supplemental Security Income (SSI) payments.

In simplest terms, a worker’s DLI is five years from the date he or she last worked in a job that paid into the Social Security Administration (SSA) through Federal Insurance Contribution Act (FICA) taxes. For example, if you last worked exactly three years ago from today, your DLI would be two years from today. However, even if your DLI was more than five years ago and you would like to file for SSDI benefits, you may still be eligible if you can substantiate via medical evidence that you became disabled prior to your DLI. For instance, if your DLI was on January 1, 2010, and you are able to prove via medical evidence that you became disabled due to your medical impairments in December 2009, you are eligible to receive SSDI benefits in spite of the fact that your DLI was more than five years ago.

If you are interested in applying for SSDI benefits or your claim has already been denied because the SSA has denied your claim because it has determined your medical impairments did not preclude your ability to work prior to your DLI, please contact Viner Disability Law through the contact form on this website or by calling our office. Our attorneys can review your claim and communicate whether or not there is an effective strategy for you to receive benefits given your DLI.