Kentucky residents with Multiple Sclerosis (MS) may be eligible for federal and state disability benefits, including SSI, SSDI, Medicaid, and home- and community-based services. This guide explains eligibility, how to apply, state-specific programs, income limits, work incentives, and answers to common questions about living with MS in Kentucky.
To qualify for Supplemental Security Income (SSI) or Social Security Disability Insurance (SSDI) with Multiple Sclerosis, you must have a medical condition (like MS) that prevents you from working for at least 12 months or is expected to result in death[5]. SSI is for people with limited income and resources, while SSDI is for those who have worked and paid into Social Security. For SSDI, you generally need a work history of 5 years out of the last 10 if you became disabled at age 31 or later[5]. Your MS must be severe enough to limit basic work activities such as walking, remembering, or completing tasks. The Social Security Administration (SSA) uses a strict definition of disability; not every MS diagnosis qualifies. For 2025, SSDI benefits will increase due to a cost-of-living adjustment (COLA)[3]. The SSA also sets a monthly income limit (Substantial Gainful Activity, or SGA); earning above this limit may affect your benefits[3].
Kentucky does not have a separate state disability program, but residents with MS may qualify for additional support through Kentucky Medicaid and Medicaid waiver programs for home- and community-based services (HCBS)[2]. If you receive SSI, you are automatically eligible for Medicaid in Kentucky. Kentucky Medicaid covers habilitative services like physical, occupational, and speech therapy, which may be helpful for people with MS[2]. Young adults with disabilities, including MS, may stay on a parent’s health plan until age 26—or longer if disabled[2]. Kentucky also offers ABLE accounts, allowing people with disabilities to save money without affecting eligibility for SSI or Medicaid. If you are a public employee, you may qualify for Kentucky Public Pensions Authority (KPPA) disability retirement, but these benefits may be reduced if you also receive SSDI or Workers’ Compensation[4].
Start by gathering your medical records and work history. Apply for SSI/SSDI online at ssa.gov, by phone, or in person at a local Social Security office. For Kentucky Medicaid, apply online at kynect.ky.gov or healthcare.gov. ABLE accounts can be opened through ABLE Kentucky. Always report changes in income, work, or living situation to avoid overpayments.
1. Gather Documentation: Collect medical records, doctor’s notes, and proof of MS diagnosis. Have pay stubs, tax returns, and work history ready. 2. Apply for SSI/SSDI: Apply online at ssa.gov, call 1-800-772-1213, or visit your local Social Security office. Provide detailed information about your MS, treatments, and how it affects your daily life and ability to work[5]. 3. Apply for Kentucky Medicaid: Go to kynect.ky.gov or healthcare.gov. If you receive SSI, you are automatically eligible for Medicaid in Kentucky[2]. If not, you may still qualify based on income. You can also apply by phone or in person, and assistance is available if you need help with the application[2]. 4. Explore Medicaid Waivers: Ask your case worker about Kentucky’s Home and Community-Based Services (HCBS) waivers for additional supports. 5. Open an ABLE Account: Visit ABLE Kentucky’s website to open an account and save for disability-related expenses without affecting benefits. 6. Report Changes: Notify Social Security and Medicaid of any changes in income, work, or living situation. This helps avoid overpayments and ensures continued eligibility.
SSI provides cash benefits to people with disabilities and limited income/resources—up to $914/month in 2025 (amount may vary)[1]. SSDI pays benefits based on your work history and Social Security taxes paid. In 2025, SSDI payments will increase due to a 2.5% cost-of-living adjustment[3]. SSDI also offers work incentives, including a Trial Work Period and Expedited Reinstatement if you try to work but cannot continue due to your disability[6]. Medicare is available 24 months after SSDI benefits start. ABLE accounts are a federal/state partnership, allowing tax-advantaged savings for disability expenses.
Kentucky Medicaid provides health coverage and may cover therapies, durable medical equipment, and personal care services for people with MS[2]. Medicaid waiver programs offer home- and community-based services (HCBS), helping you live independently. ABLE Kentucky accounts let you save for disability expenses without affecting SSI or Medicaid. Kentucky Public Pensions Authority (KPPA) offers disability retirement for public employees—benefits may be reduced if you also get SSDI or Workers’ Compensation[4]. Kentucky’s K-TAP program provides monthly cash assistance to families with children, but MS-specific state programs are limited; most supports are through federal programs and Medicaid.
ABLE Kentucky accounts allow people with disabilities (including MS) to save up to $100,000 without affecting SSI eligibility. Funds can be used for qualified disability expenses, such as housing, transportation, and healthcare. ABLE accounts do not count toward Medicaid resource limits. For more, check the national ABLE National Resource Center or ABLE Kentucky.
For SSI in Kentucky, income and resource limits apply (in 2025, the federal benefit rate is expected to be $914/month for an individual)[1]. SSDI does not have strict income limits, but earnings above the Substantial Gainful Activity (SGA) level ($1,620/month in 2025 for non-blind individuals) can affect benefits[6]. Medicaid income limits vary by program and household size. Always report income changes.
If you receive disability benefits, you must report any changes in income, work status, or living situation to the SSA and Kentucky Medicaid. Failing to report can lead to overpayments, which you may have to repay. If you return to work and later cannot continue, you may restart SSDI benefits under Expedited Reinstatement[6]. For Kentucky Public Pensions Authority disability retirement, you must report employment and any other disability income, as benefits may be reduced if your combined income exceeds your pre-retirement pay[4].
In 2025, SSDI benefits will increase by 2.5% due to the annual COLA. The SGA limit for non-blind individuals is $1,620/month. Always check the latest SSA updates and Kentucky Medicaid guidelines for current benefit amounts and rules[3][6].
Kentucky offers Medicaid waiver programs that provide home- and community-based services (HCBS) for people with disabilities, including MS. These waivers can cover personal care, respite, and therapies not always included in standard Medicaid. Ask your case worker or local Department for Medicaid Services for details[2].
Yes, through SSDI work incentives like the Trial Work Period and Expedited Reinstatement, you may try working without losing benefits right away. If you earn more than the SGA limit ($1,620/month in 2025 for non-blind individuals), your SSDI may stop. SSI has strict income and resource limits, so report all earnings[6].
Apply online at kynect.ky.gov or healthcare.gov. If you receive SSI in Kentucky, you are automatically eligible for Medicaid. Otherwise, eligibility depends on income and disability status. Help is available by phone if you need assistance[2].
ABLE Kentucky accounts let you save for disability-related expenses without affecting SSI or Medicaid eligibility. Funds can be used for housing, transportation, healthcare, and more. Contribute up to $100,000 without losing benefits[ABLE account]. (Note: No official KY ABLE link in citations; see national ABLE resources.)
You must report changes to Social Security and Kentucky Medicaid. For SSDI, you may be able to get benefits restarted quickly if your condition worsens. Kentucky Medicaid also requires updates if your income or health status changes.
Kentucky Medicaid covers habilitative services like physical, occupational, and speech therapy, as well as medical equipment and personal care services. Ask your case worker about Medicaid waiver programs for additional home- and community-based supports[2].
This guide is for informational purposes only and is not legal or financial advice. Always consult with a qualified professional for personalized guidance.
Join thousands of families who trust Purple to protect their benefits
Purple is a financial technology company, not a bank. Banking services are provided by OMB Bank, Member FDIC.
Contact the SSA or Kentucky Medicaid immediately. You may appeal, request a waiver, or set up a repayment plan. Prompt action can prevent further issues.
Yes, Kentucky allows young adults with disabilities to stay on a parent’s health plan until age 26 (or longer if disabled)[2].
SSI is for low-income individuals with disabilities, while SSDI is for those with a sufficient work history. SSI recipients in Kentucky automatically qualify for Medicaid. See our [SSI vs SSDI](/guides/ssi-ssdi) guide for details.
The 2025 SGA limit is $1,620/month for non-blind individuals. Earning above this may stop SSDI, but work incentives and deductions may help you keep benefits while working[6].
Your KPPA disability retirement benefits may be reduced if the combined SSDI, KPPA, and Workers’ Compensation income exceeds your final rate of pay. Always report all disability income to KPPA[4].
