so if they say no to me then I'm out of luck?
If you disagree with the Appeals Council 's decision , or if the Appeals Council decides not to review your case you can file a civil suit in a federal district court .This is the last level of the appeals process.  This process is not available online .
and if I'm denied benefits I can appeal to the Council when I want?
You may request an appeal and you have 60 days after you receive the notice of our decision to ask for any type of appeal