Disability Benefits 101: Working with a disability in Kentucky

Finding the Right Health Coverage For You

The interactive tool below shows the main types of health coverage available today. Answer these questions and it will highlight the options that might be best for you.

Your family's annual total income:

Your family size:

How much do you have in resources?

Does anyone in your family have a job that offers health coverage?

Is anyone in your family on SSI now?

Is anyone in your family on Medicare now?

Does anyone in your family have a disability determination?

Is anyone in your family 18 or younger?

Is anyone in your family 65 or older?

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Your Family's Options

Employment

Employer-Sponsored Coverage

Income

Individual Coverage

Income-Based Medicaid

KCHIP

Disability/Income

Maybe: SSI 1619(b) or HCBS Waiver-Based Medicaid

SSI-linked Medicaid

Age/Disability

Medicare

Private Group Coverage

Private Individual Coverage

Public Coverage

Note: Your options are highlighted based on your answers to these questions. Depending on the details of your personal situation, you may not qualify for all of the options shown. Keep reading to learn more about your options.

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Learn More About Your Options

Private coverage through your job, your spouse's job, or your parent's job. The employer pays part or all of the monthly premium.

Private coverage you buy from an insurance company or through Healthcare.gov.

Private coverage through Healthcare.gov, which the government may help you pay for.

Public coverage with a small premium, for people with low income.

Your income is abovebelow the limit: x for a household of y.

Free public coverage for people with low income.

Your income is abovebelow the limit: x for a household of y.

Free public coverage, for low-income children and pregnant women.

Your income is abovebelow the limit: x for a household of y.

Public coverage with a premium, for employed people with disabilities.

Free public coverage, for people with disabilities with low income and low assets.

Public coverage for people 65 and over, or on Social Security Disability Insurance (SSDI) or Childhood Disability Benefits (CDB).

Two public coverage options for people with disabilities:

Disability-based Medicaid is for people with low income and low assets
Medicaid Works is for people who work and have higher income or higher assets

Use the to figure out which is best for you.

Private coverage through Healthcare.gov, which the government may help you pay for.

Public coverage with a premium, for employed people with disabilities with low to moderate income.

Free public coverage, for people with disabilities with low income; people on SSI qualify automatically.

Public coverage with a premium for employed people with disabilities with low to moderate income.

Free public coverage for low-income children and pregnant women.

Your income is abovebelow the limit: x for a household of y.

Two public coverage options for people with disabilities:

Disability-based Medicaid is for people with low income and low assets; people who get APA qualify automatically
The Medicaid Works is for people who work and have higher income or higher assets

Free public coverage for people with disabilities with low income and low assets; people who get APA qualify automatically.

Two public coverage options for people with disabilities:

Disability-based Medicaid is for people who have low income; people who get SSI qualify automatically
Medicaid Works is for people who work and have higher income

Use the to figure out which is best for you.

Free public coverage for low-income children.

Your income is abovebelow the limit: x for a household of y.

Free public coverage for low-income children and pregnant women.

Your income is abovebelow the limit: x for a household of y.

Public coverage with a premium, for employed people with disabilities with low to moderate income.

Two public coverage options for people with disabilities:

Disability-based Medicaid is for people who have low income; people who get SSI qualify automatically
Medicaid Works is for people who work and have higher income

Read the How Health Benefits Work article to figure out which is best for you.

Public coverage for low-income children.

Your income is abovebelow the limit: x for a household of y.

The Kentucky Children's Health Insurance Program (KCHIP) is public coverage for children.

Your income is abovebelow the limit: x for a household of y.

Free public coverage for people who get Supplemental Security Income (SSI) benefits. Some people with disabilities with low income and low resources who don't get SSI may qualify.

Two ways people with disabilities might qualify for Medicaid, even with income that's too high for SSI:

SSI 1619(b) Medicaid is for people who used to get SSI, but stopped getting it because they started working.
Home and Community Based Services (HCBS) Waivers help people who need Medicaid and other services to be able to live in the community.

Public coverage for low-income children.

Your income is abovebelow the limit: x for a household of y.

Two public coverage options for people with disabilities:

Disability-based Medicaid is for people who have low income
Medicaid Works is for people who work and have higher income

Read the How Health Benefits Work article to figure out which is best for you.

Private coverage through Healthcare.gov, which the government may help you pay for.

Your income is abovebelow 100% of FPG (x for a household of y) and abovebelow 400% of FPG (x for a household of y).

Private coverage you buy from an insurance company or through Healthcare.gov.

Public coverage with a premium, for employed people with disabilities.

Public coverage for children and pregnant women.

Your income is abovebelow the limit: x for a household of y.

Employer-sponsored coverage is private health insurance you get through your job or a family member’s job. Many employers choose to offer it as a benefit for employees who meet certain requirements, such as working a minimum number of hours each week. Employees who get this benefit often have to pay part of the monthly premium to get coverage for themselves and their family members.

Learn more about employer-sponsored coverage.

Individual coverage is private health insurance you buy on your own. You can get an individual plan for yourself or for your entire family. Insurance companies cannot reject your application or charge you more because you have a health condition. You can get your individual coverage directly from an insurance company, through an insurance broker, or on Healthcare.gov.

Learn more about individual coverage.

Individual coverage is private health insurance you buy on your own. You can get an individual plan for yourself or for your entire family. Insurance companies cannot reject your application or charge you more because you have a health condition. Depending on your household income and situation, you may qualify to get government help paying for your insurance, if you sign up using Healthcare.gov.

Learn more about individual coverage.

MinnesotaCare is a public program that provides coverage for people with income that is too high to qualify for Medicaid, but too low to afford private insurance through Healthcare.gov. On MinnesotaCare, you have to pay a small premium for your coverage. You may qualify for MinnesotaCare if your family’s income is at or below 200% of FPG (x for a household of y) and you don't qualify for Medicaid.

Learn more about MinnesotaCare.

Medicaid is a public program that helps pay medical expenses for people with low income. Children and pregnant women do not have to pay a premium to get Medicaid. How you may qualify depends on your family’s situation. Children and pregnant women may be able to get Medicaid coverage if your family’s income is at or under 280% of FPG (x for a household of y).

Learn more about Medicaid.

Medicaid is a public health coverage program for people with low income. There are different ways of qualifying; income-based Medicaid is for people with household income that's 138% of the Federal Poverty Guidelines (FPG) or less (x for a household of y). There's no monthly premium for coverage.

Learn more about income-based Medicaid.

Medicaid is a public program that helps pay medical expenses for people with low income. Medicaid Works is a way for working people with a disability to earn more money, build more resources, and keep their Medicaid coverage. On Medicaid Works, you have to pay a premium for your coverage. To qualify for Medicaid Works, you must be working, a Kentucky resident and certified disabled according to the Social Security Administration or the State Medical Review Team (SMRT). You must also be paying Medicare and Social Security taxes, and earning more than per month.

Learn more about Medicaid Works.

Medicaid is a public program that helps pay medical expenses for people with low income. On Medicaid, you do not have to pay a premium to get coverage. How you may qualify depends on your family’s situation. To qualify for disability-based Medicaid, you must have been determined disabled by the Social Security Administration or the State Medical Review Team (SMRT). If you are 65 or older, you may also qualify without a disability. This is not the only way that a person with a disability can qualify for Medicaid, but this way of qualifying may help you get more services, and allow you to make more money than the standard Medicaid income limit.

Learn more about disability-based Medicaid.

Medicare is a public health coverage program for seniors (65 years old or older) and people with disabilities. To qualify for Medicare, you or a family member must have worked and paid Medicare taxes for a certain number of years. Medicare has a monthly premium and other expenses, but if you have limited income, some programs may help you pay these expenses.

Learn more about Medicare.

Medicaid is a public program that helps pay medical expenses for people with low income. Medicaid Works is a way for working people with a disability to earn more and keep their Medicaid Works coverage. On Medicaid Works, you have to pay a premium for your coverage. To qualify for Medicaid Works, you must be working, a Kentucky resident, and certified disabled according to Social Security Administration rules.

Medicaid is a public program that helps pay medical expenses for people with low income. On Medicaid, you do not have to pay a premium to get coverage. How you may qualify depends on your family’s situation. To qualify for disability-based Medicaid, you must be determined disabled according to Social Security Administration rules or be 65 or older. This is not the only way that a person with a disability can qualify for Medicaid, but this way of qualifying may help you get more services, and allow you to make more money than the standard Medicaid income limit.

Medicaid and Medical Assistance for Employed Persons with Disabilities (Medicaid Works) are two ways for people with disabilities to get public health coverage. The asks for detailed information about your situation to see which is best for you. If you might qualify for Medicaid Works, it will also tell you what your monthly premium would be.

To learn more, use the .

Medicaid and Medicaid Works are two ways for people with disabilities to get public health coverage. The asks for detailed information about your situation to see which is best for you. If you might qualify for Medicaid Works, it will also tell you what your monthly premium would be.

To learn more, use the .

Medicaid is a public health coverage program for people with low income. There are different ways of qualifying; children and pregnant women may qualify if their household income is 208% of the Federal Poverty Guidelines (FPG) or less (x for a household of y). Income-based Medicaid for children is also called Denali KidCare (DKC). There’s no monthly premium for coverage.

Learn more about income-based Medicaid/Denali KidCare.

Medicaid is a public health coverage program for people with low income. The Medicaid Works program is a way working people with disabilities can have Medicaid coverage, even if they earn more than the regular Medicaid income limits. To qualify, your disability must meet standards set by the Social Security Administration and you must have low resources. You have to pay a monthly premium for coverage, with the amount based on your income.

Learn more about the Medicaid Works.

Medicaid is a public health coverage program for people with low income. There are different ways of qualifying; for APA-related Medicaid, you must have low resources and also either have a disability that meets standards set by the Social Security Administration or be 65 or older. If you get Adult Public Assistance (APA) benefits, you automatically qualify for APA-related Medicaid. There’s no monthly premium for coverage.

Learn more about APA-related Medicaid.

Learn more about income-based Medicaid.

Medicaid Kentucky Children's Health Insurance Program (KCHIP) is a public program that helps pay medical expenses for children 18 years old or younger in families with low income. There may be a premium for Kentucky Children's Health Insurance Program (KCHIP) coverage. A child may qualify if a family's annual income is 205% of FPG or less (x for a household of y).

Medicaid is a public health coverage program for people with low income. There are different ways of qualifying; children may qualify for free coverage if their household income is 200% of the Federal Poverty Guidelines (FPG) or less (x for a household of y). They can pay a monthly premium for coverage if household income is between 200% of FPG and 355% of FPG (x for a household of y). Income-based Medicaid for children is also called NJ FamilyCare.

Learn more about income-based Medicaid/NJ FamilyCare.

Medicaid is a public health coverage program for people with low income. Medicaid Works is a way working people with disabilities can have Medicaid coverage, even if they earn more than the regular Medicaid income limits. To qualify, your disability must meet standards set by the Social Security Administration and you must have low resources. You may have to pay a monthly premium for coverage, depending on your income.

Learn more about Medicaid Works.

Medicaid is a public health coverage program for people with low income. There are different ways of qualifying; for disability-based Medicaid, you must have low resources and also either have a disability that meets standards set by the Social Security Administration or be 65 or older. If you get Supplemental Security Income (SSI) benefits, you automatically qualify for disability-based Medicaid. There’s no monthly premium for coverage.

Learn more about disability-based Medicaid.

The Kentucky Children's Health Insurance Program (KCHIP) is a public health coverage program for children with low income. There are different ways of qualifying; children who are 18 or younger may qualify for coverage if their household income is 218% of the Federal Poverty Guidelines (FPG) or less (x for a household of y).

Learn more about KCHIP.

Medicaid is a public health coverage program for people with low income. If you get Supplemental Security Income (SSI) benefits, you automatically qualify for Medicaid. If you have a disability (or are 65 or older) and your income and resources are low enough for SSI, you should apply for SSI and if you are approved, you'll get Medicaid automatically. Some people with very low income and resources qualify for disability-based Medicaid even if they don't get SSI.

Learn more about Medicaid options for people with disabilities.

Medicaid is a public health coverage program for people with low income. If you used to get Supplemental Security Income (SSI) benefits and stopped getting them because you started working, SSI rule 1619(b) says that you can keep getting Medicaid as long as your total earnings are $32,062 or less per year. You also must continue to have a disability, still have resources below $2,000 ($3,000 for couples), and meet all other SSI program rules.

Learn more about Medicaid options for people with disabilities.

Medicaid is a public health coverage program for people with low income. People with disabilities who need extra services to be able to live in the community, instead of in a facility or group home, may qualify for a Medicaid Home and Community-Based Services (HCBS) Waiver. Medicaid has a higher income limit for people in this situation, but some people have to pay a patient liability.

Learn more about Medicaid options for people with disabilities.

Medicaid for Kids is a public health coverage program for children with low income. Children may qualify for free coverage if their household income is 150% of the Federal Poverty Guidelines (FPG) or less (x for a household of y). They can pay a monthly premium for coverage if household income is between 150% of FPG and 300% of FPG (x for a household of y).

Learn more about Medicaid for Kids.

Medicaid is a public health coverage program for people with disabilities who have low income and low resources. Medicaid Works is a way working people with disabilities can have Medicaid coverage, even if they earn more than the regular Medicaid income limits. To qualify, your disability must meet standards set by the Social Security Administration and you must have low resources. You may have to pay a monthly premium for coverage, depending on your income.

Learn more about Medicaid Works.

Medicaid is a public program that helps pay medical expenses for people with disabilities and seniors who have low income and low resources. With Medicaid, you do not have to pay a premium to get coverage. To qualify for disability-based Medicaid, you must have been determined disabled by the Social Security Administration or a Medical Review Team. If you are 65 or older, you may also qualify without a disability.

Learn more about disability-based Medicaid.

Learn more about individual coverage.

Employer-sponsored coverage is private health insurance you get through your job or a family member’s job, if the employer offers it. Employees who get this benefit often have to pay part of the monthly premium to get coverage for themselves and their family members.

Medicaid is a public program that helps pay medical expenses for people with low income. On Medicaid, you do not have to pay a premium to get coverage. To qualify for disability-based Medicaid, you must have a disability that meets Social Security standards or be 65 years old or older. With disability-based Medicaid, you may qualify for extra services to help with disability-related needs.

Individual coverage is private health insurance you buy on your own for yourself or for your entire family. Insurance companies cannot reject your application or charge you more because of a health condition. You can get individual coverage directly from an insurance company, through a broker, or on Healthcare.gov.

Individual coverage is private health insurance you buy on your own for yourself or your entire family. Insurance companies cannot reject your application or charge you more because of a health condition. Depending on your income and situation, you may qualify for help paying for coverage on Healthcare.gov.

MinnesotaCare is a public health coverage program for people whose income is too high for Medicaid, but too low to afford private insurance. With MinnesotaCare, you pay a small monthly premium. You may qualify if your family’s income is at or below 200% of FPG (x for a household of y) and you don't qualify for Medicaid.

Medicaid is a public program that helps pay medical expenses for people with low income. For children and pregnant women, there's no premium. Children and pregnant women may qualify for Medicaid if their family’s income is at or under 280% of FPG (x for a household of y).

Medicaid is a public health coverage program for people with low income. Medicaid Works lets people with disabilities earn more money, build more resources, and keep their Medicaid coverage. To get Medicaid Works, you must work and earn more than per month, pay FICA taxes, be a Kentucky resident, have a disability that meets Social Security standards, and pay a monthly premium.

Medicaid and Medical Assistance for Employed Persons with Disabilities (Medicaid Works) are two ways for people with disabilities to get public health coverage. The asks about your situation to see which is best for you. If you might qualify for Medicaid Works, it tells you what your monthly premium would be.

Medicare is a public health coverage program for seniors (65 years old or older) and people with disabilities. To qualify, you or a family member must have worked and paid Medicare taxes for a certain number of years. Medicare has a monthly premium and other expenses, but if you have limited income, some programs may help you pay these expenses.

Kentucky Children's Health Insurance Program (KCHIP) is a public program that helps pay medical expenses for children 18 years old or younger and pregnant women. There may be a premium for Kentucky Children's Health Insurance Program (KCHIP) coverage. A child may qualify if a family's annual income is 260% of FPG (x for a household of y).

Medicaid and the Medicaid Works are two ways for people with disabilities to get public health coverage. The asks for detailed information about your situation to see which is best for you. If you might qualify for the Medicaid Works, it will also tell you what your monthly premium would be.

Medicaid is a public program that helps pay medical expenses for people with low income. The Medicaid Works is a way for working people with a disability to earn a lot more, have much higher resources, and keep their Medicaid coverage. With the Medicaid Works, you may have to pay a premium for your coverage. To qualify for the Medicaid Works, you must be working, a Kentucky resident, and have a disability that meets Social Security Administration rules (the state can check if your disability qualifies).

Get Expert Help

SSI and SSDI

Call Social Security
1-800-772-1213

How Work Affects SSI and SSDI:

Contact a Work Incentives Planning and Assistance (WIPA) counselor
OVR clients: Contact the Office of Vocational Rehabilitation
1-800-372-7172 (V/TTY)
Call the Ticket to Work Help Line
1-866-968-7842

Medicaid

Contact your Department for Community Based Services (DCBS) office
Call Medicaid Member Services
1-800-635-2570

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Finding the Right Health Coverage For You

Your Family's Options

Learn More About Your Options

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SSI and SSDI

How Work Affects SSI and SSDI:

Medicaid

Medicare

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