What are the disability benefits in Kentucky?
By Hogan Smith
Updated 05/08/2025
If you're unable to work due to a medical condition, you may be eligible for disability benefits in Kentucky. These benefits can help replace lost income and ensure access to medical care. While most programs are federally administered through the Social Security Administration (SSA), Kentucky also provides additional support and services for people with disabilities.

This guide breaks down the types of disability benefits available in Kentucky, how to qualify, and how to apply.
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Federal Disability Benefits Available in Kentucky
Social Security Disability Insurance (SSDI)
- SSDI is available to individuals who have worked and paid Social Security taxes.
- You must have a qualifying disability that prevents you from working for at least 12 months or is expected to result in death.
- Your monthly benefit amount is based on your past earnings and work history.
Supplemental Security Income (SSI)
- SSI is a need-based program for individuals who are disabled, blind, or over 65 with limited income and resources.
- It does not require a work history.
- In Kentucky, if you qualify for SSI, you are automatically eligible for Medicaid.
State-Based Disability Support in Kentucky
Medicaid
- Kentucky Medicaid offers comprehensive health coverage for low-income individuals, including those receiving SSI.
- Coverage includes doctor visits, hospital care, medications, and long-term care services.
Kentucky Disability Determination Services (DDS)
- DDS is the agency responsible for evaluating medical eligibility for SSDI and SSI applications filed through the SSA.
- It reviews your medical records and determines whether your condition meets the SSA’s disability criteria.
Kentucky Vocational Rehabilitation Services
- This state program helps individuals with disabilities prepare for, obtain, and retain employment.
- Services may include job training, education support, assistive technology, and counseling.
Other Disability Benefits and Resources
Workers’ Compensation
- If your disability is the result of a workplace injury, you may be entitled to workers' compensation benefits under Kentucky law.
Private Disability Insurance
- If you have short- or long-term disability insurance through an employer or personal policy, you may qualify for income replacement.
How to Apply for Disability Benefits in Kentucky
For SSDI and SSI:
- Apply online at www.ssa.gov
- Call the SSA at 1-800-772-1213
- Visit your local Kentucky Social Security office
For State Services (Medicaid, Vocational Rehab):
- Visit the Kentucky Cabinet for Health and Family Services at https://chfs.ky.gov
- Contact Kentucky Vocational Rehabilitation for employment assistance
How Hogan Smith Can Help
Navigating the disability benefits system in Kentucky can be confusing and stressful. At Hogan Smith, we specialize in helping individuals apply for and secure the benefits they need to live with dignity.
Our experienced team can assist with:
- Determining which disability programs you’re eligible for
- Gathering and organizing medical records and financial documents
- Accurately completing your SSDI or SSI application
- Representing you during appeals if your claim is denied
Contact Hogan Smith Today
If you or a loved one is struggling with a disability in Kentucky and needs help applying for benefits, don’t wait. Call Hogan Smith now for a free consultation, and let us help you secure the support you deserve.
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