Eligibility for benefits begins with the first month within the effective life of
the application, after 8/60:
throughout which he/she is under a disability, and
If the NH does not have DIB insured status in the month the current disability begins,
he/she will not be eligible for a DIB until the first month thereafter in which such
insured status exists. (In these situations the first day of the first month of the
qualifying quarter will become the established onset date.)
EXAMPLE # 1
Mike Randolph's period of disability terminated 11/30/97, as he was no longer disabled.
He filed for a new period of disability on 2/18/04. The DDS established he was disabled
on 8/14/02. However, Mr. Randolph did not have insured status in 8/02. He does not
meet fully insured status until the 6/03 quarter. His onset date is established as
4/1/03, the first day of the first month of the qualifying quarter. Mr. Randolph must
serve a new waiting period, as more than 5 years (60 months) had elapsed between the
dates his prior period of disability terminated (11/30/97) and his new disability
onset (4/1/03). Mr. Randolph's first month of entitlement to a disability benefit
would be 9/03.
EXAMPLE # 2
Mary Jones' period of disability terminated 12/30/99, as she was no longer disabled.
She filed for a new period of disability January 2001. The DDS determined she was
under a disability beginning 12/1/00. She meets insured status at that time. Mrs.
Jones does not have to serve a new waiting period as less than 5 years (60 months)
had elapsed between the time her prior period of disability terminated (12/30/99)
and her new disability onset (12/1/00). Mrs. Jones' first month of entitlement to
a disability benefit would be 12/00.