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SSDI Benefits in Kentucky

Social Security Disability Insurance (SSDI) is a safety net program for Kentucky residents who are unable to work due to a disabling health condition.

As you work and earn a paycheck, a portion of your income is automatically deducted for payroll taxes. Part of these taxes go towards the SSDI program, similar to paying premiums for an insurance policy. This way, you're contributing to a fund that you can draw from if you ever become unable to work due to a long-term disability.

If you become unable to work due to disability, you can apply for monthly benefits from SSDI. Remember, though, SSDI is for long-term disabilities. If you're expected to recover in less than a year, you won't be able to collect benefits.

About the Social Security Administration

The Social Security Administration (SSA) is the federal agency responsible for managing SSDI, as well as other programs like SSI and Social Security Retirement.

The SSA processes SSDI applications and decides who qualifies for benefits, distributing the monthly payments to those who are eligible.

How to Qualify for SSDI in Kentucky

To be eligible for SSDI, you must have a sufficient number of work credits, which are earned through paying Social Security taxes during your working years.

You also must be unable to work due to a medical condition that aligns with the SSA's definition of disability.

How Does the SSA Define Disability?

The SSA has a specific definition of disability that's used to determine eligibility for benefits.

The agency considers you disabled if:

  • You can't do the work that you did before
  • You can't adjust to other work because of your medical conditions
  • Your disability has lasted or is expected to last for at least one year or to result in death

What Are Work Credits?

Work credits are a measure used by the SSA to determine whether you have worked enough to qualify for Social Security benefits. You accumulate these credits when you earn wages and pay Social Security taxes.

Each year, you can earn up to four credits, and the amount of income needed to earn a credit changes from year to year. For SSDI, the number of work credits required for eligibility depends on your age when you become disabled.

Generally, most people need 40 credits, with 20 of those earned in the last 10 years leading up to the onset of disability. However, younger workers may qualify with fewer credits. It's the SSA's way of ensuring that those who receive benefits have contributed to the system.

How to Apply for SSDI in Kentucky

Applying for Social Security Disability Insurance (SSDI) in Kentucky is a simple process, and there are several ways you can apply.

The easiest option is to apply online, which can be done on the Social Security Administration's (SSA) website. This lets you complete the application at your own pace from the comfort of your own home.

Visit the SSA website to start your online application.

Apply for SSDI Benefits Online: https://secure.ssa.gov/iClaim/dib

Apply By Phone: 1-800-772-1213 (TTY 1-800-325-0778) between 8:00 am - 7:00 pm, Monday through Friday.

You can also visit a local Social Security office to apply or get help with your claim.

Information Needed to Apply for SSDI in Kentucky

Before applying, gather all the required information and documentation.

You will need the following information:

  • Your Social Security number
  • Your birth certificate
  • Names, addresses, and phone numbers of the doctors, caseworkers, hospitals, and clinics that took care of you
  • Names and dosage of the medicines you take
  • Medical records from your doctors, therapists, hospitals, clinics, and caseworkers
  • Laboratory and test results
  • A summary of where you worked and the kind of work you did
  • A copy of your most recent W-2 form or federal tax return

Providing complete, correct information on your SSDI application can increase your chances of winning your claim.

Appeal Process

If your application is denied, don't get too discouraged. This happens often for first-time applicants. Fortunately, you have the right to appeal the decision. Be sure to submit your appeal within 60 days from the date of your denial letter.

The appeal process involves four stages: Reconsideration, Hearing by an Administrative Law Judge, Review by the Appeals Council, and Federal Court review.

Hiring an Attorney

Whether you need a disability lawyer often depends on your specific situation. If your disability is clear-cut and you're comfortable handling paperwork, you might decide to apply on your own. However, if your case is complex or if your application was denied, hiring a disability lawyer could be beneficial.

Disability lawyers are well-versed in the SSDI application and appeal process. They can guide you through the procedure, help collect and organize your medical evidence, and represent you during the appeal process. A lawyer's experience can significantly increase your chances of a successful claim. However, it's not mandatory, and the decision is entirely yours to make.

SSI Program in Kentucky

The Supplemental Security Income (SSI) program is a safety net for individuals who have limited income and resources and are either disabled, blind, or over 65 years old. Managed by the SSA, the program provides financial assistance to eligible people living in Kentucky and across the U.S.

SSI is designed for folks who may not have enough work history to qualify for SSDI or Social Security retirement benefits. It supports those who are in significant need, helping them cover basic expenses like food, clothing, and shelter.

To qualify for SSI, you must fall into one of these groups and have limited income and resources:

  • Adults aged 65 and above
  • People who are blind
  • People who are unable to work because of a disability

Like the SSDI program, you can apply for SSI online, by phone, or at your nearest Social Security office.

Apply for SSI Benefits Online: https://www.ssa.gov/ssi/start.html

Apply By Phone: Call 1-800-772-1213 to make an appointment to file your SSI application.

Being eligible for SSI in Kentucky may also automatically qualify you for other important benefits, such as Medicaid and SNAP food assistance. Applying and qualifying for SSI can be a significant step towards improving the quality of life for those in need.

Kentucky - Social Security Disability Office Locations

Office Code Name Address Weekday Hours Phone Number
437 LOUISVILLE KY Rm 101, 601 W Brdway, Louisville, KY 40202 9:00 AM - 4:00 PM 866-716-9671
439 LEXINGTON KY Ste 110, 2241 Buena Vista Rd, Lexington, KY 40505 9:00 AM - 4:00 PM 866-530-7754
440 PADUCAH KY 125 Brett Chase, Paducah, KY 42003 9:00 AM - 4:00 PM 866-614-7905
441 FRANKFORT KY 140 Flynn Ave, Frankfort, KY 40601 9:00 AM - 4:00 PM 866-964-1724
442 FLORENCE KY 7 Youell St, Florence, KY 41042 9:00 AM - 4:00 PM 866-504-4224
443 BOWLING GREEN KY 2724 Chandler Dr, Bowling Green, KY 42104 9:00 AM - 4:00 PM 877-801-0817
445 CORBIN KY 159 Future Dr, Corbin, KY 40701 9:00 AM - 4:00 PM 877-405-0470
446 HAZARD KY 122 Reynolds Lane, Hazard, KY 41701 9:00 AM - 4:00 PM 877-405-0491
447 HOPKINSVILLE KY 1650 Marie Dr, Hopkinsville, KY 42240 9:00 AM - 4:00 PM 877-405-7656
449 ELIZABETHTOWN KY 591 Westport Rd, Elizabethtown, KY 42701 9:00 AM - 4:00 PM 866-596-7123
450 CAMPBELLSVILLE KY 101 Hiestand Farm Rd, Campbellsville, KY 42718 9:00 AM - 4:00 PM 877-828-1695
B24 PRESTONSBURG KY 1897 Ky Rt 321, Prestonsburg, KY 41653 9:00 AM - 4:00 PM 888-450-4538
428 MAYSVILLE KY 509 Marketplace Dr, Maysville, KY 41056 9:00 AM - 4:00 PM 855-807-8802
438 ASHLAND KY Rm 132, 1405 Greenup Ave, Ashland, KY 41101 9:00 AM - 4:00 PM 866-269-3993
444 OWENSBORO KY 4532 Lucky Strike Loop, Owensboro, KY 42303 9:00 AM - 4:00 PM 866-836-5834
448 PIKEVILLE KY 333 Hambley Blvd, Pikeville, KY 41501 9:00 AM - 4:00 PM 888-676-2942
451 MIDDLESBORO KY 10 Tech Park Dr, Middlesboro, KY 40965 9:00 AM - 4:00 PM 877-619-2853
452 DANVILLE KY 103 Belinda Blvd, Danville, KY 40422 9:00 AM - 4:00 PM 877-512-3850
453 MADISONVILLE KY 4431 Hanson Rd, Madisonville, KY 42431 9:00 AM - 4:00 PM 877-626-9912
454 SOMERSET KY 3975 S Highway 27, Somerset, KY 42501 9:00 AM - 4:00 PM 877-714-0375
A45 LOUISVILLE EAST KY Ste 50, 10503 Timberwood Cir, Louisville, KY 40223 9:00 AM - 4:00 PM 888-280-5851
A46 RICHMOND KY 1060 Gibson Bay Dr, Richmond, KY 40475 9:00 AM - 4:00 PM 866-838-8945
B20 HENDERSON KY Building 3, 2000 N Elm St, Henderson, KY 42420 9:00 AM - 4:00 PM 855-628-1593
B27 MAYFIELD KY 1526 Cuba Rd, Mayfield, KY 42066 9:00 AM - 4:00 PM 866-931-8366
C28 HARLAN KY 189 Village Center, Harlan, KY 40831 9:00 AM - 4:00 PM 888-590-2707
D80 JACKSON KY 850 Hwy 15 N, Jackson, KY 41339 9:00 AM - 4:00 PM 866-366-4920