People with intellectual disability in Kentucky may qualify for federal and state benefits, including SSI, SSDI, Medicaid waivers, and ABLE accounts. This guide explains eligibility, how to apply, and what support is available.
To qualify for federal disability benefits, you must have a condition that prevents you from working for at least 12 months. For Social Security Disability Insurance (SSDI), you need a work history and enough Social Security credits. For Supplemental Security Income (SSI), you must have low income and limited resources. Both programs require a medical review to confirm your disability. Children with intellectual disability may also qualify for SSI if their condition seriously limits their activities[1][6][7].
In Kentucky, people with intellectual disability can get extra help through Medicaid waivers, which pay for services like therapy, job training, and home care. Kentucky also offers the Kentucky Transitional Assistance Program (K-TAP) for families with children who have disabilities. Children with intellectual disability may stay on their parents’ health insurance until age 26, or longer if disabled. To qualify for state programs, you must meet income and disability requirements set by the state[2][9].
Kentucky ABLE accounts let people with intellectual disability save up to $17,000 per year without losing SSI or Medicaid benefits. Funds can be used for disability-related expenses like education, housing, and transportation. To open an account, visit the KY ABLE website[2].
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 cannot earn more than the Substantial Gainful Activity (SGA) limit, which is $1,470 per month in 2024 and expected to rise in 2025. Medicaid and K-TAP have their own income limits based on family size and state rules[1][3][9].
If your income, work, or health changes, you must report it to Social Security and Kentucky state agencies. Failing to report changes can lead to overpayments and loss of benefits. Keep records of all reports and follow up to make sure changes are updated[4][9].
Contact your local Department for Community Based Services or a disability benefits counselor for help with applications and eligibility questions.
Yes, children with intellectual disability may qualify for SSI if their condition seriously limits their activities and their family meets income limits. You must apply through Social Security and provide medical records[1][6].
SSI is for low-income people with disabilities, while SSDI is for those with a work history. Both require a medical review to confirm disability. SSI does not consider work history[6][7].
Contact the Kentucky Department for Medicaid Services or visit their website. You will need to provide medical records and proof of income. Waivers pay for therapy, job training, and home care[2][9].
Yes, there are work incentives that let you keep some benefits while working. You must report your earnings to Social Security. The SGA limit is $1,470 per month in 2024, expected to rise in 2025[3][8].
An ABLE account lets people with disabilities save up to $17,000 per year for disability-related expenses without losing SSI or Medicaid benefits. Funds can be used for education, housing, and transportation[2].
Report changes in income, work, or health to Social Security and Kentucky state agencies. Keep records of all reports and follow up to make sure changes are updated[4][9].
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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K-TAP is a monthly cash benefit for families with children who have disabilities. Families must meet income and work requirements. Apply through your local Department for Community Based Services[9].
Yes, adults with intellectual disability can stay on their parents’ health insurance until age 26, or longer if disabled. This is part of the Affordable Care Act[2].
If you get overpaid, you may have to pay back the money. Report changes as soon as possible to avoid overpayments. Social Security and state agencies can help you set up a repayment plan[4][9].
Yes, people with intellectual disability may qualify for SSI, SSDI, Medicaid waivers, and ABLE accounts. Children may qualify for SSI if their condition seriously limits their activities[1][2][6].
