By: Disability Group
When going through the process of applying for Social Security disability benefits you are likely to come across the concepts of Date Last Insured (DLI) and Alleged Onset Date (AOD). These concepts are important because they are taken into consideration when a decision is being made on your case. Below you will find an explanation of both concepts.
Date Last Insured
You must be able to prove that you became disabled before your DLI in order to be awarded benefits.
- How is my DLI calculated?
- During the time that you worked you may have paid Social Security taxes. Doing so, enrolled you in Social Security Disability Insurance (SSDI) and as a result, if you ever became unable to work because of a disability you would be insured up until a certain date, depending on how long you worked and how much you paid into the system.
- Can I apply for benefits if my DLI is in the past?
- You can still apply for disability benefits even if your DLI is in the past. However, you must be able to establish through medical evidence that you were disabled before your DLI.
It is important to note that an individual’s DLI is only an issue when filing for SSDI. In other words, if you are only pursuing a Supplemental Security Income (SSI) claim your insured status is irrelevant. This is because SSI eligibility is based on one’s income, resources, and assets. You do not have to have worked and paid into Social Security Administration to be eligible for SSI.
Alleged Onset Date
Your alleged onset date is the date that you became disabled.
- Why is my AOD so important?
- If you’ve applied for SSDI and receive a fully favorable decision, the backpay you get will go back to five months after your AOD. For example, if your AOD is 1/1/2011 and you are found fully favorable, you will receive backpay from 6/1/2011 to present. However, when only applying for SSI, your backpay will go back no further than your date of application Also, your AOD tells SSA and your representative the date from which they should begin requesting and reviewing your medical records.
- How Do I choose my AOD?
- Often times, this date is the day you last worked full time or engaged in substantial gainful activity (SGA). Your AOD may also be the date of a significant medical occurrence, the day after you were found unfavorable before an Administrative Law Judge, or in SSI only cases, the date of the SSI application.
For more information please visit the Social Security website at www.ssa.gov. The best way to make sure your claim is handled properly is to hire an Attorney who specializes in the field. Call us today at 888-236-3348 for your free consultation.