Kentucky • Speech/Language

Aphasia Benefits in Kentucky: Eligibility, How to Apply, and Resources

People with aphasia in Kentucky may qualify for federal and state disability benefits, including SSI, SSDI, Medicaid, and work supports. This guide explains eligibility, how to apply, and where to get help.

Aphasia can qualify for SSI/SSDI if it severely limits work or daily activities.
Kentucky offers Medicaid, Medicaid waivers, and ABLE accounts for people with disabilities.
You can get free help applying for SSI/SSDI through Centauri Health Solutions.
Work incentives and expedited reinstatement help if you try to return to work.
Report changes in income or health to avoid overpayments.

Last reviewed: 2025-11-05

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Eligibility

To qualify for SSI, you must have a disability that limits your ability to work, low income, and few resources. Aphasia may qualify if it severely limits your ability to communicate, understand, or perform daily tasks [1].
For SSDI, you must have a qualifying disability and enough work credits. You generally need 5 years of work in the last 10 years if you are 31 or older [5].
Both programs require that your disability is expected to last at least 12 months or result in death [7].
SSI provides cash assistance, while SSDI is based on your work history and Social Security taxes paid [1].
Benefits are adjusted yearly for inflation. In 2025, SSDI benefits increased by 2.5% due to COLA [3].

In Kentucky, people with aphasia may qualify for Medicaid, which covers medical care and some therapies [2].
Kentucky Medicaid waivers (HCBS) can provide home and community-based services for people with disabilities, including speech therapy and support for daily living [2].
Kentucky allows dependents with disabilities to stay on a parent's health insurance until age 26, and sometimes longer if the disability continues [2].
The Kentucky Public Pensions Authority (KPPA) offers disability retirement benefits for public employees, but these may be reduced if you also receive Social Security disability or Workers' Compensation [4].
Kentucky Transitional Assistance Program (K-TAP) may help families with children who have disabilities, including aphasia, with monthly cash benefits and job support [8].

How to apply in Kentucky

Call Centauri Health Solutions at 1-866-454-0411 for free help applying for SSI/SSDI [1].
Apply online for Medicaid and health insurance at healthcare.gov [2].
For Medicaid waivers, contact your local Area Development District office or the Kentucky Department for Medicaid Services [2].
For K-TAP, apply through your local Department for Community Based Services [8].

Step 1: Gather medical records that show your aphasia diagnosis and how it limits your ability to work or do daily activities.
Step 2: Call Centauri Health Solutions at 1-866-454-0411 for free help applying for SSI/SSDI. They can guide you through the process and help you submit your application [1].
Step 3: Apply for Medicaid online at healthcare.gov or through your local Department for Community Based Services. You may also qualify for Medicaid waivers for extra support [2].
Step 4: If you are a public employee, contact the Kentucky Public Pensions Authority (KPPA) for disability retirement benefits [4].
Step 5: For family support, apply for K-TAP through your local Department for Community Based Services [8].
Step 6: Report any changes in income, health, or employment to avoid overpayments and keep your benefits [8].

Programs & Services

SSI (Supplemental Security Income): Provides cash assistance to people with disabilities who have low income and few resources. In 2025, the maximum SSI payment is $914 per month [1].
SSDI (Social Security Disability Insurance): Provides benefits based on your work history and Social Security taxes paid. In 2025, benefits increased by 2.5% due to COLA [3].
Medicaid: Covers medical care, including speech therapy and other treatments for aphasia [2].
Medicare: Available after receiving SSDI for 24 months [7].

Kentucky Medicaid: Covers medical care and some therapies for people with aphasia [2].
Medicaid Waivers (HCBS): Provide home and community-based services, including speech therapy and support for daily living [2].
Kentucky Public Pensions Authority (KPPA): Offers disability retirement benefits for public employees, but these may be reduced if you also receive Social Security disability or Workers' Compensation [4].
Kentucky Transitional Assistance Program (K-TAP): Provides monthly cash benefits and job support for families with children who have disabilities, including aphasia [8].
Kentucky ABLE Accounts: Allow people with disabilities to save money without losing benefits [2].

Money & Banking

Kentucky ABLE accounts let people with disabilities save money for qualified expenses without losing SSI or Medicaid benefits [2].
You can open an ABLE account through the Kentucky ABLE program or a national program [2].

SSI has strict income and resource limits. In 2025, the maximum SSI payment is $914 per month [1].
SSDI has no income limit, but your earnings must be below the Substantial Gainful Activity (SGA) limit to keep benefits. In 2025, the SGA limit is $1,620 per month for non-blind individuals and $2,700 for blind individuals [6].

Report any changes in income, health, or employment to avoid overpayments and keep your benefits [8].
If you receive too much money, you may have to pay it back. Report changes as soon as possible to avoid penalties [8].

Tips & Gotchas

Free Application Help

Call Centauri Health Solutions at 1-866-454-0411 for free help applying for SSI/SSDI. Their services are available to all WellCare of Kentucky members.

Contacts

Centauri Health Solutions
Phone: 1-866-454-0411
Website
Free help applying for SSI/SSDI for WellCare of Kentucky members.

FAQs

Can aphasia qualify for SSI or SSDI in Kentucky?
Yes, aphasia can qualify for SSI or SSDI if it severely limits your ability to work or perform daily activities. You must provide medical evidence showing how your aphasia affects your life [1][7].
How do I apply for SSI or SSDI with aphasia in Kentucky?
You can get free help applying for SSI/SSDI from Centauri Health Solutions at 1-866-454-0411. They will guide you through the process and help you submit your application [1].
What Medicaid benefits are available for aphasia in Kentucky?
Kentucky Medicaid covers medical care and some therapies for aphasia. Medicaid waivers (HCBS) can provide extra support for daily living and speech therapy [2].
Can I work while receiving SSI or SSDI for aphasia?
Yes, you can work and keep your benefits if your earnings are below the Substantial Gainful Activity (SGA) limit. In 2025, the SGA limit is $1,620 per month for non-blind individuals [6].
What is the maximum SSI payment in Kentucky in 2025?
The maximum SSI payment in Kentucky in 2025 is $914 per month. This amount may be less if you have other income or resources [1].
Can I get help with speech therapy for aphasia in Kentucky?
Yes, Kentucky Medicaid and Medicaid waivers (HCBS) can cover speech therapy for aphasia. You may also qualify for habilitation services through your health insurance [2].

Official resources

Disability Benefits - Social Security(federal)
How Does Someone Become Eligible? | Disability Benefits | SSA(federal)

Related Purple guides

Disclaimer: This guide is for informational purposes only. Always check with official agencies for the most current rules and eligibility.

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