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HAS YOUR DISABILITY INSURANCE EXPIRED?

Not everyone is covered by Social Security disability insurance.  Like all insurance, you have to pay premiums to keep your coverage.  Social Security disability is paid for by taxes deducted from your pay check and matched by your employer.  These are called FICA taxes--after "Federal Insurance Contribution Act."

When an individual stops working, FICA taxes are no longer paid.  After a number of years (usually 4 years) the individual stops being "insured" under Title 2 disability.  As with any other insurance, you cannot file a claim after you become uninsured.  The last date you are insured under Social Security is called "date last insured."  

Another program called "Supplemental Security Income" or SSI, operates under different rules and does not require work to be covered.  It does have strict income and resource limitations, however.

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