While there are many ways an application for Social Security disability can be denied, one of the most common can be easily avoided. About 4 years after you stop working, your disability insurance coverage will expire. Social Security calls this expiration date your "date last insured." When this date rolls around, you can no longer file a new claim. It doesn't matter how sick you are, or how unable to work. You no longer have insurance.
I often speak to people who say, "I worked for 23 years, then stopped working in 2003. I went back to work in 2007 and had to quit again in 2010." (or some version of that). When we check their record, we find that their coverage has expired. Just last week, I had to tell a man from Antioch that he had missed the deadline to file his claim by just a couple months. When you or someone you love is unable to work and needs help, it is heartbreaking to miss that deadline.
If you believe you are disabled, file your disability claim as soon as possible. Once you file your application, the application date is locked in and the claim can still go through the process even if insurance expires later. Getting in the initial application on time is critical.
If you have questions about filing dates or have other concerns about filing your claim, myself and our experienced representatives are always here to help.
(615) 732-6159 Franklin, TN (Nashville) office
(256) 799-0297 Huntsville, AL office
www.ForsytheDisability.com
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