Open a Purple account in minutes. Banking built for people with disabilities.
Kentucky • Physical/Mobility
If you have an amputation in Kentucky, you may qualify for federal disability benefits like SSI and SSDI, plus state programs for cash, medical, and work support. This guide explains eligibility, how to apply, and what benefits you can get.
To qualify for federal disability benefits in Kentucky, you must have a medical condition that meets Social Security’s definition of disability. For amputation, this means the loss of a limb that severely limits your ability to work or perform daily activities. Social Security Disability Insurance (SSDI) is for people who have worked and paid Social Security taxes. Supplemental Security Income (SSI) is for people with low income and resources, regardless of work history. Both programs require medical proof of your disability and may use the Compassionate Allowances list for fast approval if your amputation is severe or involves multiple limbs [1].
In 2025, the Substantial Gainful Activity (SGA) limit is $1,620 per month for non-blind individuals and $2,700 for blind individuals. If you earn more than this, you may not qualify for SSDI or SSI [3][5][6][8].
In Kentucky, amputation may qualify you for Medicaid, Medicaid waivers, and state disability retirement if you are a public employee. Kentucky Medicaid covers medical care, including prosthetics and therapy, for people with disabilities. If you are under 26, you may stay on a parent’s health plan. Kentucky also offers the Kentucky Transitional Assistance Program (K-TAP) for families with children, which provides cash and helps parents find work. If you are a public employee, you may qualify for disability retirement benefits, but these may be reduced if you also get Social Security disability or Workers’ Compensation [4][7].
Kentucky does not have a separate state disability insurance program for private workers, so most people rely on federal SSDI and SSI. State agencies and nonprofits can help you apply and connect you to local resources [2].
An ABLE account lets people with disabilities save money without losing SSI or Medicaid benefits. In Kentucky, you can open an ABLE account to save for disability-related expenses. Contributions do not count as income for SSI or Medicaid, but there are limits on how much you can save each year [internal_link: ABLE Accounts].
You must report changes in income, work, or medical status to Social Security and Kentucky agencies to avoid overpayments. If you get too much money, you may have to pay it back. Reporting changes helps keep your benefits accurate and prevents penalties [5][internal_link: Avoiding Overpayments & Reporting Changes].
You can get free help applying for SSI, SSDI, Medicaid, and state benefits from local nonprofits and state agencies. They can help you fill out forms, gather documents, and connect you to local resources [1][2].
Kentucky Medicaid waivers can help you get long-term care services at home or in the community, including personal care, therapy, and support services for amputation [2][internal_link: Medicaid Waivers (HCBS)].
Yes, amputation is a qualifying disability for SSI and SSDI in Kentucky. You must meet Social Security’s definition of disability and provide medical proof. SSI is for people with low income, SSDI is for those who have worked and paid Social Security taxes [1][6][8].
In 2025, the maximum federal SSI payment is $914 per month. SSDI payments vary based on your work history. The SGA limit is $1,620 per month for non-blind individuals and $2,700 for blind individuals [1][3][5][6][8].
Kentucky does not have a state disability insurance program for private workers. Most people rely on federal SSDI and SSI. Public employees may qualify for disability retirement benefits [4].
Yes, you can work and still get SSI or SSDI, but your earnings must be below the SGA limit. If you earn more, your benefits may be reduced or stopped. Social Security has work incentives to help you try working without losing benefits [5][internal_link: SSI & SSDI Work Incentives].
You can apply for Kentucky Medicaid online at healthcare.gov or through your local Department for Community Based Services office. You will need to provide proof of income, residency, and disability [2][1].
Disclaimer: This guide is for informational purposes only and does not constitute legal or financial advice. Always check with official agencies for the most current rules and eligibility.
A Medicaid waiver in Kentucky is a program that provides long-term care services at home or in the community for people with disabilities, including amputation. Waivers can cover personal care, therapy, and support services [2][internal_link: Medicaid Waivers (HCBS)].
Yes, you can get help from state agencies, nonprofits, and local organizations. They can help you fill out forms, gather documents, and connect you to local resources [1][2].
You must report changes in income to Social Security and Kentucky agencies. If you get too much money, you may have to pay it back. Reporting changes helps keep your benefits accurate and prevents penalties [5][internal_link: Avoiding Overpayments & Reporting Changes].
Yes, you can open an ABLE account in Kentucky to save money for disability-related expenses without losing SSI or Medicaid benefits. There are limits on how much you can save each year [internal_link: ABLE Accounts].
If you are a public employee, you may qualify for disability retirement benefits. These may be reduced if you also get Social Security disability or Workers’ Compensation. You must report any employment after retirement to avoid overpayments [4].
