People with Down Syndrome in Kentucky may qualify for federal and state benefits, including SSI, SSDI, Medicaid waivers, and ABLE accounts. These programs help cover medical care, daily living costs, and support services. This guide explains eligibility, how to apply, and what benefits are available.
People with Down Syndrome may qualify for Supplemental Security Income (SSI) or Social Security Disability Insurance (SSDI) if they meet Social Security Administration (SSA) criteria. SSI is for those with low income and resources, while SSDI is for those who have worked and paid Social Security taxes. To qualify for SSDI, adults generally need 40 credits, with 20 earned in the last 10 years. SSI has no work requirement, but strict income and asset limits apply. Both programs require a medical condition that severely limits activities for at least 12 months or is expected to result in death[7][5].
In Kentucky, children and adults with Down Syndrome may qualify for Medicaid waivers, which provide home and community-based services (HCBS) like therapy, respite care, and supported living. Kentucky also allows young adults with disabilities to stay on their parents' health insurance until age 26, and coverage may be extended beyond that if the disability continues. State programs may have additional eligibility rules, such as income limits or functional assessments. Families should contact Kentucky Medicaid or the Kentucky Health Benefit Exchange for specific details[2][4].
Kentucky offers ABLE accounts, which allow people with disabilities to save money for disability-related expenses without losing SSI or Medicaid benefits. Accounts can be opened online, and funds can be used for education, housing, transportation, and more. Contributions are limited each year, and there are income and asset limits for eligibility[8].
For SSI in 2025, the federal income limit is $914 per month for an individual. SSDI has no income limit, but benefits may be reduced if you earn above the Substantial Gainful Activity (SGA) limit, which is $1,620 per month in 2025 ($2,700 if blind). Medicaid and ABLE accounts have their own income and asset limits, which vary by program[3][7].
If your income, living situation, or health status changes, you must report it to SSA and Medicaid to avoid overpayments. Overpayments can result in repayment demands or benefit reductions. Use the SSA's online portal or call to report changes. For Medicaid, report changes to Kentucky Medicaid or the Kentucky Health Benefit Exchange[6][8].
Centauri Health Solutions can help you apply for SSI or SSDI. Call their partner line for free support and guidance[1].
Young adults with Down Syndrome can stay on their parents' health insurance until age 26, and coverage may be extended if the disability continues[2].
Yes, children with Down Syndrome may qualify for SSI if their family meets income and asset limits. SSI provides monthly cash payments to help with daily living costs. Families should apply through the Social Security Administration and provide medical records[7][5].
Kentucky offers Medicaid waivers for home and community-based services, such as therapy, respite care, and supported living. These waivers help people with Down Syndrome live independently and access needed services. Contact Kentucky Medicaid for details[2][4].
To apply for SSDI, gather medical records and proof of income, then apply online at SSA.gov, by phone, or in person. You can also get help from Centauri Health Solutions. SSDI is for adults who have worked and paid Social Security taxes[1][5][7].
Yes, adults with Down Syndrome can work and keep benefits through work incentives like Expedited Reinstatement and Impairment Related Work Expenses. These programs allow you to earn income without losing SSI or SSDI benefits[6][8].
An ABLE account is a tax-advantaged savings account for people with disabilities. In Kentucky, ABLE accounts help save for disability-related expenses without losing SSI or Medicaid benefits. Funds can be used for education, housing, transportation, and more[8].
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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Report changes in income, living situation, or health status to SSA and Medicaid to avoid overpayments. Use the SSA's online portal or call to report changes. For Medicaid, report changes to Kentucky Medicaid or the Kentucky Health Benefit Exchange[6][8].
Yes, young adults with Down Syndrome can stay on their parents' health insurance until age 26. If the disability continues, coverage may be extended beyond age 26. Contact the insurance provider for details[2].
If you receive both Social Security disability and Kentucky disability retirement, your benefits may be reduced if the combined income exceeds 100% of your final pay. Report all benefits to Kentucky Public Pensions Authority[4].
