Residents of Kentucky who are hard of hearing may qualify for federal and state benefits, including SSI, SSDI, Medicaid, and work incentives. This guide explains eligibility, how to apply, and where to get help.
To qualify for federal disability benefits in Kentucky, you must have a medical condition that prevents you from working for at least 12 months. For Social Security Disability Insurance (SSDI), you need enough work credits from jobs where you paid Social Security taxes. For Supplemental Security Income (SSI), your income and resources must be limited, and you must meet the Social Security Administration's definition of disability. Both programs cover people who are hard of hearing if their hearing loss is severe enough to affect their ability to work or live independently [7].
In Kentucky, residents who are hard of hearing may qualify for Medicaid, which covers hearing aids and audiology services for eligible individuals. Children and adults with hearing loss may also qualify for state programs that provide assistive devices, vocational rehabilitation, and support services. Kentucky does not have a separate state disability program, so most benefits come from federal programs like SSI and SSDI. However, state agencies can help with applications and appeals, and some local programs may offer additional support for people with sensory disabilities [2].
ABLE accounts allow people with disabilities to save money without losing eligibility for SSI, Medicaid, and other benefits. Kentucky residents who are hard of hearing can open an ABLE account if their hearing loss meets the Social Security Administration's definition of disability. Funds in an ABLE account can be used for qualified disability expenses, including hearing aids and communication devices [3].
For SSI in 2025, the federal income limit is $914 per month for an individual. For SSDI, there is no strict income limit, but you must not earn more than the Substantial Gainful Activity (SGA) limit, which is $1,470 per month for non-blind individuals in 2024 and is expected to increase slightly in 2025. Medicaid income limits vary based on household size and other factors [1][3].
If you receive SSI or SSDI, you must report any changes in your income, resources, or living situation. Failing to report changes can result in overpayments, which you may have to repay. Kentucky agencies can help you understand your reporting requirements and avoid overpayments [4].
Kentucky agencies and nonprofits can help you with applications and appeals. You can also get help from an insurance agent or assister through the Kentucky Health Benefit Exchange.
Yes, if your hearing loss is severe enough to prevent you from working for at least 12 months, you may qualify for SSI or SSDI. You will need medical documentation from an audiologist or doctor to prove your disability [7].
Yes, Kentucky Medicaid covers hearing aids and audiology services for eligible children and adults. You can apply through the Kentucky Health Benefit Exchange or your local Department for Community Based Services office [2].
You can apply online at SSA.gov, by phone at 1-800-772-1213, or in person at a local Social Security office. You will need to provide medical records, proof of income, and other personal information [7].
The federal income limit for SSI in 2025 is $914 per month for an individual. Medicaid income limits vary based on household size and other factors [1].
Yes, there are work incentives that allow you to work and keep your benefits. The Substantial Gainful Activity (SGA) limit is $1,470 per month for non-blind individuals in 2024 and is expected to increase slightly in 2025 [3].
An ABLE account allows people with disabilities to save money without losing eligibility for SSI, Medicaid, and other benefits. Kentucky residents who are hard of hearing can open an ABLE account if their hearing loss meets the Social Security Administration's definition of disability [3].
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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You must report any changes in your income, resources, or living situation to the Social Security Administration. Failing to report changes can result in overpayments, which you may have to repay [4].
Kentucky offers early intervention, special education, and family support programs for children with hearing loss. You can contact your local Department for Community Based Services office for more information [2].
Yes, Kentucky agencies and nonprofits can help you with applications and appeals. You can also get help from an insurance agent or assister through the Kentucky Health Benefit Exchange [2].
If your application is denied, you can appeal the decision. Kentucky agencies and nonprofits can help you with the appeals process and provide support and resources [2].
