If you have an amputation in Kansas, you may qualify for federal disability benefits like SSI and SSDI, state programs, Medicaid waivers, and ABLE accounts. This guide explains eligibility, how to apply, and key resources for Kansans with amputation.
To qualify for federal disability benefits (SSI or SSDI) with an amputation, you must meet Social Security Administration (SSA) criteria. Generally, you need a severe impairment that prevents substantial work and is expected to last at least 12 months or result in death. For SSDI, you must have enough work credits (usually 40, with 20 in the last 10 years). For SSI, your income and resources must be below set limits. Amputations are listed in SSA’s Blue Book under Section 1.05, which covers major dysfunction of a joint, amputation, and other musculoskeletal disorders. If your amputation meets these criteria, you may qualify for benefits automatically. If not, SSA will review your medical records and work history to decide eligibility.
Source: SSA Disability Qualifications (accessed 2025-11-05)
In Kansas, people with amputation may qualify for state-specific programs in addition to federal benefits. For example, public employees covered by the Kansas Board of Regents (KBOR) Mandatory Retirement Plan are automatically enrolled in a Long Term Disability (LTD) plan. This plan provides a monthly benefit of 60% of your monthly compensation, with a minimum of $100 and a maximum of $5,000 per month. To receive LTD benefits, you must be disabled for more than 180 days and approved for benefits. Kansas also offers Medicaid waivers for home and community-based services, which can help cover costs related to your amputation. These waivers may provide personal care, assistive technology, and other supports. Eligibility for state programs often depends on your income, assets, and specific needs.
Source: KBOR LTD Plan (accessed 2025-11-05) Source: Kansas Medicaid Waivers (accessed 2025-11-05)
Source: SSA Apply for Disability (accessed 2025-11-05) Source: KBOR LTD Plan (accessed 2025-11-05) Source: KanCare Waivers (accessed 2025-11-05) Source: Kansas ABLE Account (accessed 2025-11-05)
Source: SSA Disability Programs (accessed 2025-11-05)
Source: KBOR LTD Plan (accessed 2025-11-05) Source: KanCare Waivers (accessed 2025-11-05) Source: Kansas ABLE Account (accessed 2025-11-05) Source: Disability Resources for Kansas Jobseekers (accessed 2025-11-05)
The Kansas ABLE Savings Program lets people with disabilities save for qualified expenses without losing eligibility for SSI or Medicaid. You can open an account at savewithable.com/ks. Kansas offers a $100 empowerment grant for new accounts opened in 2025. ABLE accounts can be used for housing, education, transportation, and other disability-related costs.
Source: Kansas ABLE Account (accessed 2025-11-05)
For SSI, the federal income limit in 2025 is $943 per month for an individual and $1,415 for a couple. For SSDI, there is no strict income limit, but you must not be able to do substantial gainful activity (SGA), which is $1,550 per month in 2025. Medicaid income limits vary by program and household size. Kansas Medicaid waivers may have different income and asset limits.
Source: SSA Income Limits (accessed 2025-11-05)
If your income, resources, or living situation changes, you must report it to SSA and KanCare. Failure to report can result in overpayments and penalties. Report changes online, by phone, or in person. Keep records of all reports and communications.
Source: SSA Reporting Changes (accessed 2025-11-05)
Contact your local SSA office or KanCare for help with your application. Local agencies like ATK and K-LOAN can also provide support.
You may qualify for Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI) if your amputation meets SSA criteria. These programs provide monthly payments and may include access to Medicare or Medicaid.
Yes, public employees may qualify for the KBOR Long Term Disability plan. Kansas also offers Medicaid waivers for home and community-based services, which can help cover costs related to your amputation.
Gather your medical records and apply for federal benefits online at SSA.gov. Check your eligibility for state programs like Medicaid waivers and ABLE accounts. Contact local agencies for additional support.
The KBOR LTD plan provides monthly benefits to eligible public employees with amputation or other disabilities. Benefits are 60% of your monthly compensation, up to $5,000 per month, after 180 days of disability.
Yes, there are work incentives and programs like Ticket to Work that help people with disabilities find and keep jobs. Some benefits may be reduced if you earn above certain limits.
An ABLE account lets you save for disability-related expenses without losing eligibility for SSI or Medicaid. Kansas offers a $100 grant for new accounts opened in 2025.
This guide is for informational purposes only and is not legal or financial advice. Always consult with a qualified professional for personalized guidance.
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Assistive Technology for Kansas (ATK) connects people with disabilities to the technology they need. K-LOAN offers low-interest loans and savings programs for assistive technology.
Medicaid waivers provide home and community-based services for people with disabilities. Apply through KanCare, which manages Medicaid in Kansas.
Yes, you must report changes in income, resources, or living situation to SSA and KanCare to avoid overpayments and maintain eligibility.
Contact local agencies like ATK or K-LOAN for assistance. You can also reach out to SSA or KanCare for help with federal and state programs.
