Our phone lines are currently not accepting calls due to a network outage. Please email all Social Security Disability inquiries to stacy@donatilaw.com. All other inquiries can be directed to amy@donatilaw.com.

Donati Law, PLLC
  • Home
  • About Us
  • Our History
  • Our Team
    • Don Donati
    • Wanda Donati
    • William "Billy" Ryan
    • Alison Ryan
    • Bryce Ashby
    • Robert Donati
    • Ellen Donati Flechas
    • Janelle Crandall Osowski
    • Melissa Stewart
    • Ruchee J. Patel
  • Practice Areas
    • Employment Law
    • Car Accidents
    • Consumer Law
    • Civil Rights
    • Criminal Defense
    • Immigration Law
      • Resources
      • Family Immigration
      • Employment Immigration
      • Asylum & Refugee Status
    • Personal Injury
    • Social Security Disability
    • Wage & Hour Violations
    • Workers' Comp
  • COVID Resources
    • ADA Reasonable Accommodation: COVID-19
    • COVID-19 Safety Complaints & Whistleblower Protections
    • Medical and Family Leave: COVID-19
  • Blog
  • Results
  • Testimonials
  • Contact Us
(901) 209-5500

Call for Prompt Legal Assistance

    • Home
    • About Us
    • Our History
    • Our Team
      • Don Donati
      • Wanda Donati
      • William "Billy" Ryan
      • Alison Ryan
      • Bryce Ashby
      • Robert Donati
      • Ellen Donati Flechas
      • Janelle Crandall Osowski
      • Melissa Stewart
      • Ruchee J. Patel
    • Practice Areas
      • Employment Law
      • Car Accidents
      • Consumer Law
      • Civil Rights
      • Criminal Defense
      • Immigration Law
        • Resources
        • Family Immigration
        • Employment Immigration
        • Asylum & Refugee Status
      • Personal Injury
      • Social Security Disability
      • Wage & Hour Violations
      • Workers' Comp
    • COVID Resources
      • ADA Reasonable Accommodation: COVID-19
      • COVID-19 Safety Complaints & Whistleblower Protections
      • Medical and Family Leave: COVID-19
    • Blog
    • Results
    • Testimonials
    • Contact Us
  • Search
  • Contact
  • Staff
Blog /2013 /April /What Is My Date Last Insured?


Categories
  • ADEA
  • Affordable Care Act
  • Age Discrimination
  • Arbitration Agreements
  • At-Will Employment
  • Breach of Contract
  • Car Accident
  • Carbon Monoxide
  • Claim Management
  • Class Action
  • Commercial Appeal
  • Commission-Based Employees
  • Congress
  • Criminal Defense
  • Criminal Record
  • DACA
  • Disability
  • Disability Claim
  • Discrimination
  • DOMA
  • DREAM Act
  • EITC
  • Employee Misclassifications
  • Employment Law
  • Employment Termination
  • Estate Law
  • Expungement
  • Fair Credit Reporting Act
  • Family and Medical Leave Act
  • FAQ
  • FLSA
  • Fraud
  • Gender Discrimination
  • Government Shutdown
  • Health
  • ICE
  • Immigration
  • Immigration Law
  • Immigration Reform
  • Independent Contractor
  • Insurance
  • jones act
  • Leave & Break Rights
  • LGBT
  • Local News
  • Long Term Disability
  • Medical Malpractice
  • medicare
  • Misclassification
  • mississippi river
  • Motorcycle Accident
  • News
  • Non-Compete & Non-Disclosure Agreements
  • Overtime Wages
  • personal injury
  • President Obama
  • Qui Tam
  • Retaliation
  • Semi-Truck Accident
  • Sequential Evaluation Process
  • Severance Agreement
  • Sexual Harassment
  • Short Term Disability
  • slip and fall
  • Small Businesses
  • social security
  • Social Security Administration
  • Social Security Card
  • Social Security Disability
  • Social Security Disability Benefits
  • Social Security FAQs
  • Social Security Number
  • SSDI
  • SSI
  • State Law
  • Taxes
  • Technology
  • Tipped Employees
  • TPPA
  • Trip and Fall
  • Unemployment Benefits
  • Unlawful Presence
  • USCIS
  • veterans
  • Veterans' Benefits
  • Visa
  • Visa Bulletin
  • Wage & Hour
  • Whistleblower
  • Wills
  • Workers' Compensation
  • Workplace Retaliation
  • Wrongful Death
  • Wrongful Termination
Share This Post:

What Is My Date Last Insured?

Apr 26, 2013 /
Donati Law, PLLC
  • Social Security Disability /
  • Social Security FAQs /

When you apply for Social Security Disability Insurance Benefits (SSDI), you must meet both medical and nonmedical requirements. The nonmedical requirement for SSDI is that you be currently insured, either from your own earnings or based upon the earnings of another person (as in Widows/Widowers and Disabled Adult Child Benefits). The term used to describe when you are eligible for benefits is your Date Last Insured.

Test For Date Last Insured (DLI)

Generally, your date last insured is the last point in which you met the “20/40 test.” When you pay in FICA (Federal Insurance Contributions Act) taxes, you are in essence paying an insurance premium to the Social Security Administration. This premium is calculated as credits (sometimes referred to as “quarters”) of coverage. As of 2013, you receive one credit of coverage for every $1,160 in taxable earnings you make. The maximum credits you can receive in a year are four.

Example: John has been having worsening problems from his rheumatoid arthritis and is unable to work for large parts of the year when his RA is flaring up. Because of this, he worked off and on throughout 2012. He earned $1,000 in February, $1,000 in June and another $2,000 in December. His total earnings for the year add up to $4,000. Based upon these earnings he will receive three credits of coverage for the year.

In order to be covered, you must have at least 20 credits of coverage out of a 40 credit period. To simplify, this means you need five years of taxable earnings in a ten year period.

Exception: You Meet The Listings Of Impairment For Blindness

Unlike every other condition, if you meet the statutory definition of blindness, the 20/40 test does not apply to you. Instead, you merely need to be found to be fully insured previously (even if you work was decades before).

Exception: You Are Under 31 years Old

Because individuals in their 20s are unlikely to have even had a possible 10 years (40 credit) period of working life, the SSA applies a different test for these individuals. Basically, of the time between you turning 21 and the onset of disability, you must have paid in to at least half of the possible quarters of coverage to be within your DLI.

Previous Next

Every Client is a Cause We Believe In

To discuss your case with an accomplished attorney who cares, give our firm a call at (901) 209-5500 or fill out the form below.

  • Please enter your name.
  • This isn't a valid email address.
    Please enter your email.
  • This isn't a valid phone number.
    Please enter your phone number.
  • Please make a selection.
  • Please make a selection.
  • Please enter a message.

Recent Posts

  • 5 Common Instances of Medical MalpracticeJanuary 24, 2025
  • How to Report Racial Discrimination at WorkJanuary 8, 2025
  • What Is Third Party Sexual Harassment?December 20, 2024

Most Popular

  • 6 Signs Your Boss Is Gaslighting You at WorkOctober 28, 2022
  • Can the Actions of a Swearing Boss be Considered Abusive Workplace Behavior?December 5, 2023
  • Is It Hard to Get Another Job if You Sue Your Employer?June 7, 2022

A Tradition of Legal Excellence

Our team of professionals seek justice one client at a time, because every client is a cause we believe in. We keep things simple, by consistently showing our dedication not only to the law, but to our clients. Passionate about honoring the law and respecting every client, our firm strives to make the legal changes that are needed to improve the lives of people throughout our community.

donati law icon shield
  • Created from the D & L of Donati Law
  • Resembles the emblem of the medieval Donati family
  • The Donati family originates from Florence, Italy
  • The emblem signifies our fight to protect a neighbor or friend
  • Symbol of our efforts to protect the interests of our clients
donati law logo

Memphis

1545 Union Avenue
Memphis, TN 38104

(901) 209-5500

Memphis

1545 Union Avenue
Memphis, TN 38104
View Map

Phone: (901) 209-5500

Quick Links

  • Home
  • Contact Us
  • Site Map
  • Privacy Policy

Stay Connected

  • Instagram
  • YouTube
  • Facebook
  • Google Business Profile
En EspaƱol

Contact Us

Donati Law, PLLC
Memphis Attorneys

1545 Union Avenue
Memphis, TN 38104
View Map

Call Today

(901) 209-5500

Local
https://www.donatilaw.com/

Seeking Justice One Client at a Time

Contact Us Now
Internet Marketing Experts The information on this website is for general information purposes only. Nothing on this site should be taken as legal advice for any individual case or situation. This information is not intended to create, and receipt or viewing does not constitute, an attorney-client relationship.
© All Rights Reserved.
Powered by Scorpion