Does Social Security Deny You So You'll Just Be Eligible For SSI?

Does social security keep denying you so you will eventually lose your coverage and be eligible for ssi only? 

The social security administration has no such policy to this effect. But it's understandable that people might wonder if this is the case. Because it does sometimes happen that a claimant will be denied on a disability claim and will, at a later date, file a new application...only to find that their insured status for social security disability benefits has expired. 

When this happens, a claimant's only option may be to file an ssi disability application, assuming the value of their assets does not put them over the $2,000.00 resource limit. 

What does it mean when we say that a claimant's insured status for social security disability benefits has run out? 

Well, every SSD claimant has something called a DLI, or date last insured. The DLI is based on their work history and the number of work credits they have accumulated in the last five out of ten years. The DLI can basically be thought of as an expiration date for social security disability benefits. 

When a "date last insured" lapses, or passes, a disability claimant, from that point forward, is no longer in the position of being able to win ssd benefits based on their current disability status. 

Instead, to be approved for title II, or social security disability, benefits, they will be required to prove that their disability began (i.e. their EOD, or established onset of disability) before their DLI expired. 

In cases involving DLI issues, the gathering of a claimant's medical records, particularly their older records, is even more important. Because in a DLI case, it is not enough to prove that a claimant is disabled in the here and now, but that the claimant was disabled before their insured status for social security disability benefits ran out.