Unlike Social Security retirement, which looks at your lifetime earnings and is paid automatically based on your age, you can LOSE eligibility for Social Security disability if you wait too long to apply. Don't delay! That's a huge mistake people make. In fact, decide to take action today!
As I discuss in this video, the date that the medical evidence in your file documents that you are disabled and unable to work must be before your SSDI coverage runs out.
Generally speaking your SSDI coverage will run out about five years after you stop working.
You may have worked for 20 years but if you last worked 10 years ago, you will likely not be covered. You gain coverage by paying taxes and under the disability rules, your earnings and tax payments must be relatively recent.
As your disability lawyer, I need to know when your SSDI coverage runs out - this is called your “date last insured.” You and I will have to prove that your disability began before your date last insured, otherwise you will get NO payment from SSDI.
Unfortunately, Social Security does not make it easy to find your date last insured. Your “MySocialSecurity” statement (which you can download at ssa.gov/myaccount) will tell us if you are insured currently, but it does not give specifics and can be incorrect. A review of your actual earnings record can actually be more helpful.
If you have worked full time or close to full time for the ten year period ending when you became disabled, you will probably be covered, but if your work has been sporadic - or if you have not worked in more than 5 years - you may not be.
If you are struggling with a disabling medical condition and you need advice about your insured status, please contact my office. We offer a 100% free evaluation of your case. Don't delay. Act now!
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============== FREE CASE EVALUATION =================
If you or a loved one would like a case evaluation for your
SSDI or SSI case, please contact me at
bit.ly/Contact-Jonathan
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================= CONTACT ME =======================
Jonathan Ginsberg
Social Security Disability Attorney
Website: ssdAnswers.com
Facebook: / ginsberglaw
Telephone: 800-890-2262
bit.ly/Contact-Jonathan
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