HUNTSVILLE DISABILITY GUIDE

Social Security disability is a type of insurance.  Like all insurance, it began on a certain date and will expire on a certain date.  The expiration date depends on when you stop working.  Usually, Social Security disability insurance expires about 4 years after you stop working.  (This can vary depending on several factors). The last day you are covered by Social Security disability insurance is called your "Date Last Insured" or DLI.  You cannot file a new claim after your DLI.  Let me use this example.  Let's say I purchase a homeowners insurance policy from the XYZ Mutual Insurance Co.  My coverage is for one year.  It begins on January 1, 2013 and expires on December 31, 2013. If I have a new claim on my policy on February 15, 2014, I have no insurance because my policy has already expired. If you want to be sure you have Social Security disability insurance, you can call your local Social Security office or call 800-772-1213.  Ask if you have enough work quar

Many people make the mistake of filing a new application when their Social Security disability claim is denied.  This is usually not the best move.  Often, it is better to appeal your original decision than to file a new application.  Here are some benefits of appeal that you may lose by filing a new application. You can keep your earlier, original alleged onset date. You will very likely get more back pay with an appeal if it is successful. You avoid the risk of an "expired" eligibility period after your Date Last Insured. Benefits may accumulate during the appeal but they do not with a new claim. Those are only a few of the things to consider if your claim is denied.  Another factor is this:  Your new application will go to the very same agency that denied you before.  Most likely, it will just be denied again.  Filing one new application after another is spinning your wheels. It's much better to put some sand under the tires, so to speak, and stop spinning.