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Kentucky Disability Benefits

The Kentucky Cabinet for Health and Family Service makes SSDI and SSI disability determinations for Kentucky state residents.

The Kentucky Cabinet for Health and Family Service makes disability determinations for Kentucky state residents. 

Using federal guidelines for both Supplemental Security Income (SSI) and Social Security Disability Insurance (SSDI) benefits, the Cabinet’s Disability Determination Services makes sure that those who technically and medically qualify for disability benefits receive the assistance they need. 

These programs play a large role in providing financial security for some of Kentucky’s most vulnerable residents.

Facts About Kentucky

Roughly 35% of Kentucky’s population reports living with a disability, compared to the national average of just over 25%. Connecting state of Kentucky residents with the resources and assistance they need is a priority for the state.

These disabilities add up to an estimated $5.8 billion in disability-related healthcare costs for the state each year – which isn’t too surprising considering that adults with disabilities are less likely to be active, more likely to be obese, more likely to smoke and more likely to have high blood pressure.

For all categories of disabilities – mobility-related, cognitive, inability to live independently, hearing, vision and disabilities affective self-care – Kentucky residents report higher incidences of disability than the U.S. at large. Programs like SSDI and SSI help these residents access the services and assistance they need.

How To Qualify for SSDI in Kentucky

SSDI is a federal program, so the eligibility requirements are the same across all U.S. states. A Social Security field office in the state of Kentucky will first determine technical eligibility for the SSDI program – meaning that a claimant has worked enough and earned enough SSDI credits to qualify for the program by having taxes taken out of their income to augment the Social Security Trust Fund.

The claimant must also be deemed disabled. According to the federal SSDI definition, an adult must be rendered unable to work by a physical or mental impairment(s) that has lasted or is expected to last for at least 12 months or to result in death. It’s important to note that this stipulation includes any type of employment, not just the type of work that the claimant was previously engaged in.

Of the nearly 3 million residents of the state of Kentucky, roughly 7% receive Social Security disability benefits each month. Keep in mind that the Social Security Administration’s definition of disability is extremely narrow. The SSA will only support total disability rulings. If you choose to seek legal advice, a qualified disability attorney can help you decide whether your situation is likely to lead to a successful disability claim.

How To Apply for SSDI in Kentucky

In order to apply for SSDI benefits, a claimant should submit a Social Security disability claim at any one of Kentucky’s 27 Social Security offices across the state. You can also submit a claim over the phone at 800-772-1213 or online at www.ssa.org.

Once your claim is submitted, it will first be reviewed by a local Social Security office to determine if you meet non-disability requirements. If the answer is yes, then your claim is forwarded to the state of Kentucky’s Disability Determination Service for review.

DDS then will examine medical evidence and documentation related to your claim and may also ask you to participate in an independent medical evaluation. DDS eventually will issue a decision, based on the documentation presented, about whether your case meets the SSA definition of disability.

How To Appeal a Denial in Kentucky

If your initial claim for disability benefits is denied, you have the option to appeal the decision. You must ask for reconsideration within 60 days of receiving your denial notice. Please know that the denial of an initial claim is fairly common. In Kentucky, only 29% of benefit claims are approved on first submission.

Upon appeal, your claim and medical records will be reviewed by a different person, an examiner who did not participate in your original review. If this results in a second denial, you may request a disability hearing review by the Social Security Administration’s Appeals Council.

If you remain dissatisfied with the determination at this stage, your final appeal is a federal court case filed in the district court for the judicial district in which you live. Decisions made at this level are considered final. At any point during the appeal process, you may decide to partner with a disability attorney for trusted counsel and advice on how best to proceed.

More Kentucky Benefits

In addition to SSDI benefits, the state of Kentucky administers other programs that help disabled Kentucky residents access both the financial aid and appropriate health care they need for independent living.


Supplemental Security Income is a federal program that helps provide financial assistance to those who have low levels of income and accrued assets, with a particular focus on those who are disabled, are blind, or are over age 65. A single adult can receive up to $794 per month in SSI benefits and also is granted Medicaid coverage without needing to file a separate application for that program. Unlike SSDI, applicants do not need to have worked previously or earned credits in order to qualify.

Kentucky Medicaid

Kentucky’s Medicaid program aims to help low-income Kentucky residents gain access to the vital health care they need. The two key eligibility requirements for Medicaid in Kentucky are you must be a Kentucky resident and you must be a U.S. citizen or legally authorized to live and work in the U.S.

Other criteria that may make residents eligible for Kentucky Medicaid include being pregnant, being responsible for a child under age 18, or having a disability or living with a family member who is disabled. Applicants must meet federal income standards for the Medicaid program, which are based on household income and total household size.

Kentucky Unemployment

Kentucky unemployment benefits help bridge the income gap for Kentucky residents who have lost their jobs through no fault of their own.

Unemployment benefits are issued on a weekly basis and help provide overall economic stability not only for individual households affected by unemployment, but also for local communities and for the comprehensive statewide economy.

To remain eligible for weekly benefits, Kentucky unemployed workers must show that they are physically and mentally able to work and available to accept suitable work when it is offered.

Kentucky Social Security Offices

SSA Field Office Locations in Kentucky
Maysville SSA Office509 Marketplace Dr
Maysville, KY 41056
(855) 807-8802
Louisville SSA Office601 W Broadway Room 101
Louisville, KY 40202
(866) 716-9671
Ashland SSA Office1405 Greenup Ave Room 132
Ashland, KY 41101
(866) 269-3993
Lexington SSA Office2241 Buena Vista Rd Suite 110
Lexington, KY 40505
(866) 530-7754
Paducah SSA Office125 Brett Chase
Paducah, KY 42003
(866) 614-7905
Frankfort SSA Office140 Flynn Ave
Frankfort, KY 40601
(866) 964-1724
Florence SSA Office7 Youell Street
Florence, KY 41042
(866) 504-4224
Bowling Green SSA Office2724 Chandler Drive
Bowling Green, KY 42104
(877) 801-0817
Owensboro SSA Office4532 Lucky Strike Loop
Owensboro, KY 42303
(866) 836-5834
Corbin SSA Office159 Future Dr
Corbin, KY 40701
(877) 405-0470
Hazard SSA Office122 Reynolds Lane
Hazard, KY 41701
(877) 405-0491
Hopkinsville SSA Office1650 Marie Drive
Hopkinsville, KY 42240
(877) 405-7656
Pikeville SSA Office333 Hambley Blvd
Pikeville, KY 41501
(888) 676-2942
Elizabethtown SSA Office591 Westport Road
Elizabethtown, KY 42701
(866) 596-7123
Campbellsville SSA Office101 Hiestand Farm Rd
Campbellsville, KY 42718
(877) 828-1695
Middlesboro SSA Office10 Tech Park Drive
Middlesboro, KY 40965
(877) 619-2853
Danville SSA Office103 Belinda Blvd
Danville, KY 40422
(877) 512-3850
Madisonville SSA Office4431 Hanson Rd
Madisonville, KY 42431
(877) 626-9912
Somerset SSA Office3975 S Highway 27
Somerset, KY 42501
(877) 714-0375
Louisville East SSA Office10503 Timberwood Cir Ste 50
Louisville, KY 40223
(888) 280-5851
Richmond SSA Office1060 Gibson Bay Drive
Richmond, KY 40475
(866) 838-8945
Henderson SSA Office2000 N Elm St Building 3
Henderson, KY 42420
(855) 628-1593
Prestonsburg SSA Office1897 KY Rt 321
Prestonsburg, KY 41653
(888) 450-4538
Mayfield SSA Office1526 Cuba Road
Mayfield, KY 42066
(866) 931-8366
Harlan SSA Office189 Village Center
Harlan, KY 40831
(888) 590-2707
Jackson SSA Office850 Hwy 15 N
Jackson, KY 41339
(866) 366-4920

Kentucky Hearing and Appeal Offices

Kentucky is in Region 4 (Atlanta), which services Alabama, Florida, Georgia, Kentucky, Mississippi, North Carolina, South Carolina, and Tennessee.

Region 4 – SSA Office of Hearing Operations in Kentucky
SSA Hearing Office – Lexington2241 Buena Vista Rd Suite 210
Lexington, KY 40505-9901
(866) 783-7301
SSA Hearing Office – Louisville601 W. Broadway, Suite 300
Gene Snyder U.S. Courthouse
Louisville, KY 40202
(866) 755-0197
SSA Hearing Office – Louisville601 West Broadway Lower Level
Gene Snyder U.S. Courthouse
Louisville, KY 40202
(866) 367-1224
SSA Hearing Office – Middlesboro12 Tech Park Drive
Middlesboro, KY 40965
(877) 600-2851
SSA Hearing Office – Paducah4730 Village Square Dr Ste 200
Paducah, KY 42001
(866) 964-2041

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