SQL & PL/SQL :: Query To Find User Who Did Not Login From Past 3 Years?

I have two table APPLICATION_1 and APPLICATION_2, where user's login date is captured.There will be multiple records for each user.Same user may or may not be present in both tables.

The requirement is to find those users who have not logged-in in the last 3 years.

-- Test Case

DROP TABLE application_1;
DROP TABLE application_2;
CREATE TABLE application_1
(
seq NUMBER ,
user_id VARCHAR2(30),

[code].....

Using the below query I'm able to get the desired output.

SELECT user_id, MAX(login_date) last_login_date FROM (
SELECT user_id, MAX(login_date) login_date FROM application_1 GROUP BY user_id
UNION ALL
SELECT user_id, MAX(login_date) login_date FROM application_2 GROUP BY user_id
) GROUP BY user_id

[code].....