What is Date Last Insured?
Definition of Date Last Insured
Date last insured or DLI is the last date that a claimant is considered insured for Social Security Disability Insurance (SSDI). Social Security Disability Insurance (SSDI), unlike Supplemental Security Income (SSI), is considered an "insurance" program. Claimants qualify for SSDI by working and paying payroll taxes. If claimants have paid enough in employment taxes and become disabled with a severe mental or physical health condition, which is expected to last for at least 12 continuous months, they may be entitled to receive SSDI benefits.
Claimants who stop working and stop paying SSDI "premiums" will at some point in the future no longer be covered for SSDI. This date in the future is called their DLI or date last insured. The DLI does not determine when you can file benefits (in most situations) but the claimant must prove the disability or accident occurred prior to their DLI. If the claimant cannot prove they were disabled prior to their DLI, they may not be entitled to SSDI benefit.