How I Got Approved for Disability After My Work Credits Expired

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If you have not worked in a long time, there is a chance you are no longer eligible for Social Security Disability. This is called “expired work credits” or passing your “Date Last Insured.” If you are wondering when your Date Last Insured is, please check the link at the bottom of this page.

That’s what happened to Michelle. After Michelle applied, she discovered that her work credits had expired three years ago. To make things worse, she didn’t even have a diagnosis back when they expired.

Don’t worry, this story has a happy ending. Michelle found a brilliant way to solve all these problems.

How I Got Approved with Expired Work Credits
– Guest post by Michelle Hernandez

It took me a long time to get a most of my diagnoses, so I didn’t apply for disability for several years. My main diagnoses were Lyme Disease and Narcolepsy.

I applied for disability in 2014. Then I found out my Date Last Insured was 2011. To be eligible, I had to prove I became ill before that date.

When I first applied, I didn’t have a clue about Date Last Insured, and my initial application did not have most of the things I needed to get approved. Too many Social Security resources state generalizations. Many places simply say that you are still eligible if you have worked in the past five years.

When I found out that wasn’t true, I had to change my focus. I had to focus on past medical records and proving I became sick before 2011. I started trying to make the case that my current illness started before 2011, even if I didn’t know it. It wasn’t a strategy; it was just the truth, and I had nothing else.

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