How Unemployment Affects Social Security Claims and How to Retrieve Your Date Last Insured (DLI)

Applying for Social Security Disability benefits (SSDI) can be complex, especially if you have a
history of unemployment. Many applicants wonder how periods of unemployment affect their
claims and what role their Date Last Insured (DLI) plays in determining eligibility. In this post,
we’ll break down these critical factors and provide guidance on how to retrieve your DLI.

How Unemployment Affects SSDI Claims

Unemployment can impact your Social Security Disability claim in several ways. Since SSDI
benefits are based on work history and earnings, extended periods of unemployment can limit
your eligibility. Here’s how:

  • Work Credits and SSDI Eligibility
    • SSDI requires a certain number of work credits to qualify, typically 40 credits,
      with at least 20 earned in the last 10 years before disability onset.
    • If you have long gaps in employment, you may not have enough recent work
      credits to qualify.
    • Wondering what a “work credit” is? Watch this quick video from Michael Liner!
@backwardshatbarrister

To be insured for disability insurance benefits from Social Security, you need to earn enough work credits. This video explains what a work credit is and how many you need! #ssa #disability #disabilitybenefits #Socialsecuritydisability #ssdi #disabilitylawyer #socialsecurity

♬ original sound – Michael Liner
  • Contradictory Statements
    • If you receive unemployment benefits while applying for SSDI, it may create conflicts. Unemployment benefits require you to assert that you are “ready, willing, and able to work,” whereas SSDI requires proof that you cannot work due to disability.
    • While receiving unemployment does not automatically disqualify you, it can raise red flags during the claims process.
  • DLI and Its Importance
    • Your Date Last Insured (DLI) is the last date you are eligible to receive SSDI benefits based on your work history.
    • If you become disabled after your DLI has passed, you may not qualify for SSDI, even if you meet medical criteria.

How to Retrieve Your Date Last Insured (DLI)

Knowing your DLI is crucial to determining your eligibility. Here’s how you can retrieve it:

  • Check Your Social Security Statement
    • Log into your My Social Security account at ssa.gov to view your earnings
      record and work credits.
  • Request Your Earnings Record
    • Contact the Social Security Administration (SSA) to request your full earnings
      record.
  • Consult a Disability Attorney
    • A disability lawyer can analyze your work history and help you determine your
      DLI and potential eligibility for benefits.

What If Your DLI Has Passed?

If your DLI has expired, you may still have options:

● Apply for Supplemental Security Income (SSI): Unlike SSDI, SSI does not require
work credits but is income-based.
● Seek a Reconsideration: If your disability started before your DLI but was denied due to
insufficient evidence, you can appeal with medical documentation.
● Explore Other Benefits: Consider VA benefits, private disability insurance, or state
assistance programs.

Final Thoughts

Understanding how unemployment affects your SSDI claim and retrieving your DLI can make
or break your case. By checking your Social Security records and seeking professional legal
advice, you can improve your chances of securing the benefits you deserve.

For more personalized assistance, contact a Social Security Disability attorney at Liner Legal.
Our experienced team is ready to help you navigate the complexities of your claim and fight for
the benefits you deserve.

Take the next step today! Fill out this form for a free consultation or contact us to see if you qualify to receive benefits. 

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