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Kentucky • Chronic Illness
If you have diabetes in Kentucky, you may qualify for federal and state benefits like SSI, SSDI, Medicaid, and more. This guide explains eligibility, how to apply, and what support is available.
To qualify for Social Security Disability Insurance (SSDI), you must have worked in jobs covered by Social Security, have a disability that prevents you from working for at least 12 months, and meet the required work credits. For Supplemental Security Income (SSI), you must have limited income and resources, and a disability that meets Social Security’s definition. Diabetes can qualify if it causes severe complications that limit your ability to work or perform daily activities [7].
SSDI payments are based on your work history, while SSI payments are based on financial need. In 2025, the SSI federal payment limit is $967 per month for an individual [9].
In Kentucky, people with diabetes may qualify for Medicaid if they meet income and disability requirements. Kentucky Medicaid covers diabetes care, including insulin, testing supplies, and doctor visits. If you receive SSI, you may automatically qualify for Medicaid in Kentucky. Kentucky also offers Medicaid waivers for people with disabilities, which can provide additional support services [2].
If you are a state employee, you may qualify for disability retirement benefits through the Kentucky Public Pensions Authority, but these benefits may be reduced if you also receive Social Security disability or Workers’ Compensation [5].
Kentucky offers ABLE accounts for people with disabilities, including diabetes. These accounts allow you to save money without affecting SSI or Medicaid eligibility. You can use ABLE funds for qualified disability expenses, such as medical care, education, and housing [2].
Always report changes in income, work, or health to avoid overpayments. If you receive SSI or SSDI, you must report any changes that could affect your benefits. Use the Avoiding Overpayments & Reporting Changes guide for tips [8].
Centauri Health Solutions offers free help for WellCare of Kentucky members applying for SSI or SSDI. Call 1-866-454-0411 for support.
Yes, if diabetes causes severe complications that limit your ability to work or perform daily activities, you may qualify for SSI or SSDI. Medical records must show how diabetes affects your life [7].
In 2025, the federal SSI payment limit is $967 per month for an individual. Your actual payment may be lower based on your income and resources [9].
Yes, Kentucky Medicaid covers diabetes care, including insulin, testing supplies, and doctor visits. Eligibility is based on income and disability [2].
You can apply online at ssa.gov, by phone at 1-800-772-1213, or with free help from Centauri Health Solutions at 1-866-454-0411 [1].
Medicaid waivers provide additional support services for people with disabilities, including diabetes. These services can include home care, therapy, and more [2].
Yes, you can work during a Trial Work Period and still receive benefits. After, you can work and get benefits if your earnings are below the Substantial Gainful Activity (SGA) limit [8].
Disclaimer: This guide is for informational purposes only. Always check with official agencies for the most current rules and eligibility.
An ABLE account is a tax-advantaged savings account for people with disabilities, including diabetes. You can use it for qualified disability expenses without affecting SSI or Medicaid eligibility [2].
Yes, always report changes in income, work, or health to avoid overpayments. Use the Avoiding Overpayments & Reporting Changes guide for tips [8].
You can get free help from Centauri Health Solutions at 1-866-454-0411 or apply online at ssa.gov or healthcare.gov [1].
Yes, if you are a state employee, you may qualify for disability retirement benefits through the Kentucky Public Pensions Authority. These benefits may be reduced if you also receive Social Security disability or Workers’ Compensation [5].
