1. Understanding SSDI and Work Restrictions in Kentucky

When considering SSDI eligibility in Kentucky with work restrictions, here are key points to understand:

• Eligibility criteria: SSDI benefits are available to individuals with a disability that severely limits their ability to work. However, income and work restrictions can affect whether you still qualify for benefits.
• Medical documentation: The SSA requires thorough medical evidence of your disability, proving that it prevents you from engaging in substantial work activity.
• Work restrictions: In Kentucky, SSDI recipients can return to work under certain conditions, but they must follow specific rules to avoid losing their benefits. These restrictions are often related to income limits and work activity.

2. Key Factors That Affect SSDI Eligibility with Work Restrictions

Here are the important factors to consider regarding SSDI and work restrictions in Kentucky:

• Income limits: To maintain SSDI eligibility, you cannot earn more than a certain amount per month. In 2025, this threshold is $1,470 per month for non-blind individuals and $2,460 for blind individuals.
• Trial Work Period: You may test your ability to work for 9 months without losing your SSDI benefits. Earnings above the threshold during this period may not immediately disqualify you from receiving benefits.
• Substantial Gainful Activity (SGA): Once your trial work period ends, if your earnings exceed the SGA threshold, your SSDI benefits may stop. The current SGA limit is $1,470 per month for most individuals.

3. How SSDI and Work Restrictions Affect Eligibility in Kentucky

Navigating SSDI eligibility with work restrictions involves a few steps:

• Report income: Always report any earnings to the SSA, even if they fall below the SGA threshold, to ensure that your benefits remain protected.
• Understand work incentives: SSDI allows individuals with work restrictions to participate in the Ticket to Work Program, which can help you return to work without jeopardizing your benefits during the transition period.
• Medical reviews: The SSA will periodically review your case to ensure that you still meet the medical and work eligibility criteria.

4. How to Apply for SSDI Benefits in Kentucky with Work Restrictions

The application process involves a few key steps when work restrictions are involved:

• Complete the application: Apply online or at your local SSA office, providing all medical and employment information. Be specific about how your disability limits your ability to work.
• Submit work records: If you’ve worked or are currently working, include documentation of your work activity and income.
• Track your trial work period: Ensure that you keep track of the months you work and report your earnings accurately to avoid exceeding the SGA limit.

5. Things to Keep in Mind After SSDI Approval in Kentucky

Once SSDI benefits are granted, stay mindful of the following:

• Report changes promptly: Notify the SSA of any changes in your income or employment status to prevent delays or issues with your benefits.
• Track your work incentives: Stay aware of how the Trial Work Period and Extended Period of Eligibility (EPE) work to maintain your benefits while testing your ability to work.
• Review your case: Be prepared for periodic medical reviews to ensure continued eligibility and compliance with SSDI rules. If your work situation changes significantly, it may affect your benefits.