Assistance for Disabled Single Mothers in Kentucky

Last updated: September 2025

This guide is written for Kentucky single moms living with a disability. It focuses on disability‑specific cash, health, housing, transportation, legal, and everyday supports that actually move the needle. Each program includes who qualifies, exactly how to apply, documents to gather, realistic timelines, and a backup plan if the first door doesn’t open.

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If You Only Do 3 Things — Emergency Actions to Take

• Call your utility and file a “medical certificate” to stop shutoff for 30 days. Ask your doctor’s office to fax the note that service loss would worsen your health, then set a payment plan. If needed, file a complaint with the regulator to pause disconnection while it’s reviewed. Use the consumer line at the Kentucky Public Service Commission and submit the online complaint form. See the state rule and complaint portal for details: [807 KAR 5:006 medical certificate rule] and [PSC consumer complaint page]. (law.cornell.edu)
• Start disability income now if you don’t already receive it. Open or protect your filing date for Supplemental Security Income (SSI) or Social Security Disability Insurance (SSDI). Use the official COLA numbers to estimate payments and the current work‑limit rules so you don’t self‑disqualify. See the benefit rates and SGA limits here: [SSI 2025 amounts] and [SSA SGA limits for 2025]. (www-origin.ssa.gov)
• Get transportation to care so nothing lapses. If you have Medicaid, book Non‑Emergency Medical Transportation (NEMT) through the state’s Human Service Transportation Delivery brokers, or use ADA paratransit in your city. Start with the state NEMT page and local paratransit links: [CHFS Medical Transportation (NEMT)] and [Lextran Wheels paratransit]. (chfs.ky.gov)

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Quick Help Box — Numbers and Links to Keep Handy

• Kentucky Medicaid Member Services: 1‑800‑635‑2570 — Apply and manage benefits via [kynect benefits portal support]; find local offices via [DCBS office directory]. (kog.chfs.ky.gov)
• Public Service Commission Consumer Line (utility complaints): 1‑800‑772‑4636 — File an online complaint using [PSC complaint portal] and read your [utility customer rights]. (psc.ky.gov)
• KHC (Housing Choice Vouchers and rental help): 1‑877‑552‑7368 — HCV basics and wait‑list status on [KHC HCV page] and [KHC HCV wait‑list notice]. (kyhousing.org)
• KY SHIP (free Medicare counseling for disabled adults): 1‑877‑293‑7447 — Learn about coverage and drug help via [Kentucky SHIP] and [CMS SHIP contact]. (chfs.ky.gov)
• Protection & Advocacy (disability legal help): 1‑800‑372‑2988 — Request help or information at [Kentucky Protection & Advocacy] and see [Department of Public Advocacy P&A page]. (kypa.net)

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How to Stop Utility Shutoff in Kentucky Today

If you’re facing cut‑off, use the state’s medical certificate rule first, then layer in local discounts and payment plans.

• Use the 30‑day medical hold. Ask your doctor, nurse, or public health officer for a note stating loss of service would worsen your illness. Deliver it to the utility within the notice window and request a payment arrangement. Read the rule and note winter hardship protections (Nov 1–Mar 31) and “certificate of need” options: [807 KAR 5:006 medical certificate rule] and [PSC Customer Bill of Rights]. (law.cornell.edu)
• Louisville/Jefferson, Oldham, Bullitt (water/wastewater). Apply for “Drops of Kindness” flexible plans and MSD’s EWRAP 30% wastewater discount if under 150% FPL. Call 1‑502‑540‑6000 for MSD discounts and 1‑502‑583‑6610 for Louisville Water plans. Program pages: [Louisville Water Drops of Kindness] and [MSD EWRAP 30% discount]. (louisvillewater.com)
• Lexington/Fayette (water). Kentucky American Water’s H2O Help to Others offers up to $250 once per year for customers ≤225% FPL, administered by Community Action Council (1‑859‑233‑4600). See eligibility and how to apply: [KAW H2O Help to Others] and [CAC H2O assistance details]. (amwater.com)
• File a complaint to pause disconnection if needed. If the utility won’t honor the medical hold or violates the plan, file a PSC complaint; service can’t be shut off while an active billing complaint is pending if you pay the undisputed amount. Use [PSC complaint steps] and the [PSC contact page]. (psc.ky.gov)

What to do if this doesn’t work: Call 211 and ask for utility relief partners; in Louisville ask [Office for Aging & Disabled Citizens (OADC)] and your neighborhood ministry; elsewhere call [Community Action Kentucky] via your local agency. If health is at risk, ask your clinic social worker to call the utility’s medical review team. (louisvilleky.gov)

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Cash and Health Coverage That Are Disability‑Specific

SSI, SSDI, and Work Rules (right now)

• Know the 2025 amounts. Max federal SSI is $967/monthforanindividual;couplesreceiveupto$1,450. Social Security increased payments by 2.5% effective January 2025, and key work rules rose too. See the official amounts and explanation: [SSI 2025 payment amounts] and [SSA 2025 COLA update]. (www-origin.ssa.gov)
• Don’t exceed SGA if you’re applying/appealing. In 2025 the SGA limit is $1,620/month(non‑blind)and$2,700/month (blind). SSDI beneficiaries get a Trial Work Period month if earnings hit $1,160. See [SSA SGA page] and [Red Book 2025 changes]. (ssa.gov)
• File now to protect your date. Start online or by phone and keep copies. Use [SSA online application] and call the main line 1‑800‑772‑1213; for Kentucky WIPA benefits counseling, contact [Goodwill WIPA in Kentucky] for work‑and‑benefits planning. (goodwillky.org)

What to do if this doesn’t work: Get free legal help for SSI/SSDI appeals from [Legal Aid of the Bluegrass] or [Legal Aid Society Louisville]; for disability rights issues (accommodations, discrimination), contact [Protection & Advocacy]. (lablaw.org)

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Kentucky Medicaid for Disabled Adults

• ABD Medicaid uses special income/resource rules. Kentucky’s non‑MAGI (aged, blind, disabled) income “protected maintenance” levels are very low ($235/monthforahouseholdofone),butspend‑downandwaiverpathwaysexist.Resourcelimitsare$2,000 (single) and $4,000 (couple), with certain exceptions. See [907 KAR 20:020 income standards] and [907 KAR 20:025 resource standards]. (law.cornell.edu)
• Working and disabled? You may qualify for Kentucky’s Medicaid Works buy‑in if you’re 16–64, meet SSA’s disability rules, and earn under program limits. Start at [Medicaid Works (CHFS)] and confirm current income figures when you call Member Services. (chfs.ky.gov)
• Applications and renewals. Apply at kynect, by calling DCBS at 1‑855‑306‑8959, or in person. Technical help for the portal and partner support numbers are listed on [KOG contact page] and [kynect/Benefind help]. (kog.chfs.ky.gov)

What to do if this doesn’t work: Ask for a fair hearing on your denial. You can get help from [Legal Aid of the Bluegrass] and advice from [KY SHIP] if you’re on Medicare and facing coordination issues. (lablaw.org)

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Kentucky Medicaid Home- and Community‑Based Services (HCBS) Waivers

These waivers add in‑home supports not covered by standard Medicaid. Expect waitlists; apply anyway to secure your place.

• Home and Community Based (HCB) Waiver — physical disabilities or age 65+. Services include attendant care, home‑delivered meals, minor home mods, and respite. HCB currently has a waiting list; placement is by application date. Apply via kynect or through your Area Agency on Aging/ADRC. Details: [HCB waiver program page] and reimbursement levels in [907 KAR 7:015 rates (effective Jan 1, 2025)]. (chfs.ky.gov)
• Michelle P. Waiver (MPW) — intellectual/developmental disabilities. Services include day training, behavioral supports, personal care, and respite, with Participant‑Directed Services (PDS) option. MPW has a waiting list; placement is by receipt date. See [MPW program page] and [907 KAR 1:835 services and limits]. (chfs.ky.gov)
• Supports for Community Living (SCL) — I/DD with ICF‑IID level of care. Includes residential supports, community living, day training, and supported employment. Priorities are set by “category of need.” See [SCL waiver overview] and the 2025 rate tables in [907 KAR 1:155/12:020]. (chfs.ky.gov)
• Acquired Brain Injury (ABI/ABI‑LTC) — adults with ABI. Intensive rehab (ABI) or long‑term supports (ABI‑LTC). Apply via kynect; contact DMS at 1‑844‑784‑5614 for program questions. See [ABI program page] and [ABI provider/rate info]. (chfs.ky.gov)
• Model II Waiver (MIIW) — ventilator‑dependent (12+ hours/day). Up to 16 hours/day of private duty nursing based on assessment and staffing. See [MIIW page] and the level‑of‑care rule in [907 KAR 1:022 reference on the page]. (chfs.ky.gov)
• Paid family caregiving under PDS (formerly CDO). Kentucky allows certain immediate family members, guardians, or legally responsible individuals to be paid under PDS if strict criteria are met and DMS approves in writing (unique skills, no available provider, etc.). Start with [PDS program page] and the immediate‑family criteria in [907 KAR 7:010]. (chfs.ky.gov)
• Waiver application channels and help. Apply for Medicaid first, then submit the waiver application via kynect or through your local Aging & Disability Resource Center or Community Mental Health Center. See [HCBS Waiver Programs portal] and [Who to Call for 1915(c) waivers] on CHFS. (chfs.ky.gov)

Reality Check: Waiver slots are limited. HCB and MPW show active waitlists; SCL uses need categories to triage. Keep your phone on and voicemail set up; respond to every CHFS letter fast. Document hospitalizations or safety risks to request priority review. (chfs.ky.gov)

What to do if this doesn’t work: Consider the [Hart‑Supported Living Program] grants for person‑directed supports (non‑Medicaid), and ask about [Kentucky Transitions (Money Follows the Person)] if you’re exiting a facility. Hart grants accept applications by April 1 (new requests) each year and have income rules; Kentucky Transitions can help with deposits, basic furnishings, and waiver enrollment. (apps.legislature.ky.gov)

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Quick Comparison (cash and health)

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Can Kentucky Pay a Family Member to Care for Me?

Yes, in some situations under PDS (Participant‑Directed Services). You can hire friends or certain relatives if DMS approves an immediate‑family caregiver due to special skills or lack of providers. Use the PDS Request Form for “immediate family/guardian/legally responsible individual” and be ready to show training beyond ordinary parental care. Start with [PDS (formerly CDO) overview] and the specific approval rules in [907 KAR 7:010]. (chfs.ky.gov)

What to do if this doesn’t work: Ask your case manager to switch you to a blended model (some agency, some PDS) or to add respite or adult day health. If you’re caring for a minor child with very high needs, discuss skilled nursing through the [Model II Waiver] if ventilator‑dependent or add [behavior supports under MPW] if I/DD. (chfs.ky.gov)

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Transportation That Works When You’re Disabled

• NEMT for Medicaid members. Book rides through the Human Service Transportation Delivery (HSTD) brokers. For long trips (>90 miles) ask about the Travel Reimbursement Program for lodging/meals with prior authorization. See [CHFS Medical Transportation page] and [KYTC HSTD broker directory with toll‑free numbers]. (chfs.ky.gov)
• City paratransit (ADA).
  • Lexington — Wheels Paratransit: apply with a doctor verification; decisions within 21 days; fares from 1.60; reservations 1‑859‑233‑3433. See *[Lextran Wheels eligibility & rider guide]*. ([lextran.com](https://lextran.com/accessibility/wheels-paratransit/)) • Louisville — TARC3: reservations 1‑502‑560‑0333; “Where’s My Ride?” 1‑502‑589‑9879; TTY 1‑502‑213‑3240; subscription service available after 30 days on time. See *[TARC contact page]* and *[TARC3 subscription details]*. ([ridetarc.org](https://www.ridetarc.org/contact-us/)) • Northern KY — TANK RAMP: serve Boone, Campbell, Kenton; call 1‑859‑814‑2135 to apply; zone fares 2.50–$5. Learn more at [TANK RAMP eligibility] and [TANK RAMP service area & fares]. (tankbus.org)

What to do if this doesn’t work: If paratransit denies you, appeal in writing right away; both Lextran and TANK provide temporary service if the decision takes too long. If you miss rides due to no‑shows, ask for travel training on the fixed route and request reasonable modifications per ADA. See [Lextran appeals process] and [TANK ADA & reasonable modifications]. (lextran.com)

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Accessible Housing Options for People with Disabilities

• Section 811 Project Rental Assistance (PRA). Kentucky Housing Corporation (KHC) was awarded HUD funds to add approximately 250 supportive units statewide. Ask properties if they accept 811 PRA and contact KHC about priority referrals through health partners. See [HUD FY 2025 811 PRA NOFO] and [KHC $8M 811 PRA award announcement]. (hud.gov)
• Housing Choice Vouchers (Section 8). KHC’s voucher waitlist is closed as of July 26, 2024, with average waits of several years when open; apply at multiple PHAs when possible. Check KHC status and HUD’s list of PHAs: [KHC HCV status] and [HUD Rental Help: Kentucky]. (kyhousing.org)
• Permanent supportive housing and PBRA. Use KHC’s directory to search project‑based, supportive, and tax‑credit units. See [KHC Rental Programs page] and [HUD Kentucky rental help]. (kyhousing.org)

What to do if this doesn’t work: Call a HUD‑approved housing counselor (1‑800‑569‑4287) for help documenting disability needs and reasonable accommodation requests, and contact [KY Protection & Advocacy] if you face discrimination. (hud.gov)

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Assistive Technology, Equipment, and Communication Access

• Try before you buy, borrow free, or get devices reused. The KATS Network offers device demonstrations, short‑term loans, and reuse (Project CARAT). Call 1‑800‑[KATS Network services]* and [AT Reuse / CARAT].
• Zero‑interest mini‑loans for AT (up to $7,000). The KATLC mini‑loan program offers 0% interest loans with up to 4‑year terms for hearing aids, ramps, scooters, and more. Start at [KATLC mini‑loan] and [KATLC how to apply] (toll‑free 1‑877‑675‑0195).
• Phone access if you are Deaf/Hard of Hearing or have speech disabilities. Kentucky’s Telecommunications Access Program (TAP) provides no‑cost specialized landline or wireless equipment once approved. Apply through [KCDHH TAP How to Apply] and review devices on [KCDHH equipment list].

What to do if this doesn’t work: Call KATS to locate a Regional AT Resource Center and ask for device demos or a short‑term loan while you wait. If your insurer denies an AT request, appeal and ask your clinic to send medical necessity letters; meanwhile, search the [KY AT Locator] for no‑cost reused items.

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Work, School, and Saving Without Losing Benefits

• Vocational Rehabilitation (OVR). OVR helps with training, job placement, and accommodations; eligibility decisions are due within about 60 days after you apply. Contact OVR at 1‑800‑372‑7172 and check official contacts via [RSA VR grantee listing] and [Human Development Institute resource page].
• Work Incentives planning (WIPA). If you receive SSI/SSDI and want to work or increase hours, get free benefits counseling through WIPA. In Kentucky, Goodwill provides WIPA services; also call SSA’s Ticket to Work Help Line at 1‑866‑968‑7842. See [Goodwill WIPA Kentucky] and [SSA WIPA info].
• ABLE accounts (STABLE Kentucky). Save up to the annual IRS limit ($19,000 in 2025) without affecting SSI/Medicaid; employed beneficiaries may add more under ABLE‑to‑Work. Check Kentucky’s program and federal limits: [STABLE Kentucky (Treasury)] and [IRS ABLE 2025 contribution limits].
• SSI work rules and SGA in 2025. Before trying a job, know the 2025 SGA and trial work thresholds so you don’t trigger an overpayment. See [SSA SGA table] and [Red Book “What’s New in 2025”].

What to do if this doesn’t work: Ask OVR for a referral to benefits counseling or a [Ticket to Work Employment Network], and run a what‑if plan on [Kentucky DB101] to see how work changes your cash and health coverage.

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Child Care When You or Your Child Has a Disability

• CCAP special care rate. Kentucky’s Child Care Assistance Program (CCAP) pays an additional $5/day per child for “special care” when a child has a documented special need; some protective cases also have copay waivers. See [922 KAR 2:160 (CCAP rates and special care)] and the state regulation text showing the special care add‑on.
• How to apply. Use kynect or call DCBS 1‑855‑306‑8959; ask your provider to submit documentation of the child’s special needs to qualify for the higher rate. For rules on improper payments and appeals, see [922 KAR 2:020].

What to do if this doesn’t work: Ask your provider about inclusive slots and “therapeutic” classrooms; if denied the special care rate, appeal and provide updated clinician notes. For interim care, ask your waiver case manager about respite or PDS attendants.

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Food and Medical Costs — Disability‑Specific Rules

• SNAP disability rules help. Households with a member who is elderly/disabled can claim medical expenses over $35/month, which can increase SNAP. Start at the state SNAP page and note Kentucky’s standard medical deduction waiver authorization. See [CHFS SNAP page] and [921 KAR 3:020 medical deduction waiver statement].
• How to apply. Apply online or call DCBS 1‑855‑306‑8959 for an interview. Bring medical receipts, premium bills, and mileage logs to claim the deduction. Use [DCBS phone and office finder] and the [kynect help line] for portal issues.

What to do if this doesn’t work: Request a conference with DCBS and ask a supervisor to recalculate medical deductions; get legal help from [Legal Aid of the Bluegrass] if you need to appeal.

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Local Organizations, Charities, and Support Groups (Disability‑Focused)

• Centers for Independent Living (CILs). Get peer support, information and referral, skills training, and transition help. Contact [Center for Accessible Living] (Louisville, Bowling Green, Murray) or [Independence Place] (Lexington). Statewide listings via [KY SILC CIL directory].
• Louisville — Office for Aging & Disabled Citizens (OADC). Call 1‑502‑574‑5636 for disability access help or 1‑502‑574‑5092 for aging resources; see the [OADC program page] and subscribe to their updates. For utility help, revisit [Drops of Kindness] and [MSD assistance].
• Refugee/immigrant supports. The [Kentucky Office for Refugees] (a program of Catholic Charities Louisville) coordinates statewide services; call 1‑502‑637‑9786. Local help and legal services listed on [Catholic Charities Louisville “Get Help” page].
• Medicare/Medicaid counseling. Free one‑on‑one help statewide via [KY SHIP] (1‑877‑293‑7447) and regionally through legal aid and AAAIL programs (e.g., [KLAID SHIP page]).

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Resources by Region

• Louisville/Jefferson County: [OADC resource page] for disability access; [TARC contact page] for ADA paratransit; [Drops of Kindness] and [MSD EWRAP] for water/wastewater; housing search via [HUD Rental Help: Kentucky].
• Lexington/Fayette County: [Lextran Wheels paratransit]; [Independence Place CIL]; water help via [KAW H2O Help to Others]; ADA/property access issues at [Lexington ADA/HRC contact].
• Northern Kentucky (Boone/Campbell/Kenton): [TANK RAMP]; ADA concerns to [TANK ADA contacts]; contact [KY SILC] for CIL referrals.
• Western KY (Purchase/Pennyrile): [Center for Accessible Living — Murray] for independent living; Medicaid NEMT through [KYTC HSTD brokers].
• Eastern/Appalachian KY: [disABILITY Resource Center — Hazard]; Medicaid waiver and [Kentucky Transitions] contacts through CHFS.

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Common Mistakes to Avoid

• Missing calls from unknown numbers: CHFS, KHC, and transit providers often use private/unknown caller ID. Save the numbers for [DCBS 1‑855‑306‑8959] and your paratransit office like [Lextran Wheels] so you don’t miss time‑sensitive calls.
• Not using the medical certificate: Many moms don’t ask their doctor to fax it. The 30‑day extension plus payment plan is your best fast shield. Read the rule here: [807 KAR 5:006] and keep a copy.
• Assuming you can’t work at all: Use WIPA/OVR to plan part‑time or remote work within SGA and keep Medicaid. Start at [Goodwill WIPA] and [KY OVR].

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Reality Check: Delays, Denials, and Shortages

• Waiver waitlists: Slots are tight and waits vary. Apply early, keep your contact info current, and submit hospital/ER visit records to support urgent need category (SCL) or maintain application date (HCB/MPW). See [HCB] and [MPW] waitlist notes.
• Housing vouchers: KHC reports multi‑year average waits when lists open. Don’t pin your plan on a voucher; look at project‑based units and 811 PRA opportunities. See [KHC HCV About page] and [HUD Rental Help].
• Paratransit decisions: Expect up to 21 days in Lexington and similar timelines elsewhere; ask for “presumptive eligibility” if the agency goes over the time limit. See [Lextran Wheels decision timeline].

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Quick Reference Cheat Sheet

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Application Checklist (save or screenshot)

• Photo ID: Driver’s license or state ID; tribal/foreign passport if applicable.
• Proof of disability: SSA award or clinician letter; hospital/ER summaries for urgent need.
• Income proof: Last 30–90 days of pay stubs; SSI/SSDI letters; child support; alimony.
• Resources: Bank statements; ABLE/Trust statements; vehicle title if requested.
• Housing/utilities: Lease, utility bills, shutoff notices; any payment plan letters.
• Insurance/medical: Medicaid/Medicare card; prescriptions; medical receipts for SNAP.
• Care plan: Names of helpers; hours needed; provider choice or PDS plan.
• Contacts: Case manager, clinic social worker, and paratransit reservation numbers.

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If Your Application Gets Denied

• Appeal fast: Many programs have 10–30 day windows. Ask for a “fair hearing” (Medicaid/SNAP) or reconsideration (SSI/SSDI). Use [CHFS hearing rights via DCBS] and [SSA appeal].
• Ask for your file: Request case notes and the list of missing documents. Bring new medical records or rent statements.
• Get help: For Medicaid/SNAP, contact [Legal Aid of the Bluegrass] or [Legal Aid Society]. For disability rights barriers, contact [Protection & Advocacy].

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Diverse Communities

• LGBTQ+ single mothers: Access complaint help for discrimination in housing or services through [Lexington‑Fayette Human Rights Commission] and disability access help from [OADC Louisville]. Both can assist with reasonable accommodations and language access requests, and both offer referral lists.
• Veteran single mothers: Use VA health benefits and caregiver supports; call 1‑877‑222‑VETS for medical enrollment and ask legal aid about discharge upgrades if needed. For utility and billing disputes, pair VA social work with the [PSC consumer line] for regulated utilities. See [CMS consumer assistance VA listing] and [PSC contact].
• Immigrant/refugee single moms: The [Kentucky Office for Refugees] coordinates benefits, employment, ESL, and health navigation statewide; legal services through [Catholic Charities Louisville] can help with status and public benefit questions. Ask for interpreters when calling DCBS or clinics.
• Tribal‑specific resources: If you are a citizen of a federally recognized tribe living in Kentucky, you may have access to tribal assistance and IHS or Urban Indian Health partners in the region. Pair that with Kentucky Medicaid and local CILs like [Center for Accessible Living].
• Rural single moms with limited access: Use the [KY Health Information Exchange (KHIE)] telehealth expansions and book NEMT through [KYTC HSTD]. Ask your clinic for telephone‑visit options if you lack broadband.
• Single fathers: All programs here are gender‑neutral. You can use [OVR supports], [KATS Network], and [PDS] just the same if you meet disability rules.
• Language access and accessibility notes: Tell every agency, “I need an interpreter” or “I need large‑print forms.” CHFS and PSC provide reasonable accommodations and alternative formats; TTY users can use 711 or the relay numbers on [PSC Contact] and [KCDHH TAP] pages.

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Tables You Can Use

Kentucky HCBS waivers at a glance

2025 disability income and work thresholds

Paratransit by metro

Utility shutoff protections and water help

Assistive technology and communication access

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10 Kentucky‑Specific FAQs (with answers you can use)

1. How fast can I get a decision on paratransit if I apply today in Lexington?
   Lextran must decide within 21 days of receiving your complete application, or it must provide temporary eligibility starting day 22 until there’s a final decision. Apply here: [Lextran Wheels]; call 1‑859‑244‑2030 with questions.
2. What if my electric company says I still have to pay a deposit to stop a shutoff with a medical certificate?
   Under [807 KAR 5:006], a utility may not require a new deposit just to honor a 30‑day medical certificate. Work out a payment plan; if refused, file a PSC complaint and keep paying the undisputed amount. Use [PSC complaint portal].
3. I’m disabled and working part‑time. How much can I earn in 2025 without losing SSDI?
   If you’re applying, you generally must stay under SGA ($1,620/monon‑blind;$2,700/mo blind). If you already get SSDI, Trial Work Period months are counted when you earn $1,160+. Read [SSA SGA] and [Red Book 2025].
4. Can I hire my sister as my waiver caregiver?
   Often yes under PDS if DMS approves and criteria are met (unique skills, no other provider, not just natural support). See [PDS (CDO) overview] and [907 KAR 7:010] for when an immediate family member or guardian may be paid.
5. Does Kentucky have grants for ramps or home mods besides Medicaid waivers?
   Yes. The [Hart‑Supported Living Program] funds person‑centered supports (including mods within limits). Apply by April 1 for new requests; income generally ≤300% FPG with some exceptions for extraordinary disability costs. See [910 KAR 1:270].
6. My water/sewer bill in Louisville is killing my budget. Anything disability‑specific?
   Yes. MSD’s [EWRAP] offers a 30% wastewater discount for income‑eligible households; Louisville Water’s [Drops of Kindness] adds payment options and referrals.
7. Is there help buying hearing aids?
   Try KATS for reused devices and demos, and KATLC’s 0% mini‑loans ($100–$7,000). If you qualify, [KCDHH TAP] can provide specialized telecom devices at no cost. See [KATS services], [KATLC mini‑loan], and [KCDHH TAP].
8. Where do I get free, neutral advice on Medicare if I’m under 65 and disabled?
   Call [KY SHIP] at 1‑877‑293‑7447 for one‑on‑one counseling (no sales). Regionally, legal aid partners also deliver SHIP services; see [KLAID SHIP page].
9. How long are voucher waits?
   KHC notes its HCV list is closed and wait times can be three to five years when open. Apply at multiple PHAs and look at project‑based units and 811 PRA. See [KHC HCV About] and [HUD Rental Help].
10. I need to save for emergencies but stay on SSI/Medicaid. How?
    Open a [STABLE Kentucky] ABLE account. You can save up to $19,000/year (2025 limit), and more if employed under ABLE‑to‑Work, without harming SSI/Medicaid up to program caps. Confirm limits via [IRS ABLE instructions 2025].

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Spanish Summary / Resumen en Español

Este resumen en español fue generado con herramientas de traducción de IA y verificado por nuestro equipo. Para ayuda inmediata:

• Medicaid y transporte médico: Llame al 1‑800‑635‑2570 y vea [Transporte Médico de CHFS] y la lista de [corredores HSTD].
• Cortar un corte de servicios: Pida a su médico una “certificación médica” para detener el corte por 30 días; vea [Regla 807 KAR 5:006] y el [portal de quejas de la PSC].
• Dinero por discapacidad (SSI/SSDI): Revise [cantidades SSI 2025] y [límites de trabajo SGA 2025] antes de trabajar.
• Vivienda y ayuda de alquiler: Revise [KHC HCV] y [Ayuda de Alquiler de HUD en Kentucky]; para servicios de discapacidad en casa, aplique a [HCB/MPW/SCL/ABI/MIIW].
• Tecnología asistiva y audífonos: Use [KATS Network], [KATLC mini‑loan] y [KCDHH TAP].

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About This Guide

Compiled by the ASingleMother.org Editorial Team.

This guide uses official sources including:

• [Cabinet for Health and Family Services (CHFS) — Medicaid transportation and HCBS waiver pages].
• [Kentucky Administrative Regulations (KAR) — 807 KAR 5:006 utilities; 907 KAR 20:020/025 Medicaid standards; 907 KAR 7:015 HCB rates; 907 KAR 1:835 MPW; SCL rate rules].
• [Social Security Administration — SSI 2025 amounts; SGA 2025; Red Book updates].
• [Kentucky Housing Corporation and HUD Rental Help].
• [KATS Network, KATLC, KCDHH TAP].
• [KYTC HSTD broker directory and CHFS Travel Reimbursement].
• [KY SHIP (DAIL) and CMS SHIP contact].
• [Lextran Wheels, TARC, TANK RAMP].

Last verified September 2025, next review April January 2026.

Please note that despite our careful verification process, errors may still occur — email info@asinglemother.org with corrections and we respond within 72 hours.

Disclaimer

This guide is for general information, not legal advice. Program rules change and local practices vary by county and provider. Always confirm current eligibility, benefit amounts, and openings with the official agency before you apply. When in doubt, call the numbers provided, ask for a supervisor if needed, and document every interaction.

🏛️More Kentucky Resources for Single Mothers

Explore all assistance programs in 34 categories available in Kentucky

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• 🌾 Rural Single Mothers Assistance
• 🎖️ Veteran Single Mothers Benefits
• 🦷 Dental Care Assistance
• 🎓 Education Grants
• 📊 EITC and Tax Credits
• 🍎 SNAP and Food Assistance
• 🔧 Job Training
• ⚖️ Legal Help
• 🧠 Mental Health Resources
• 🚗 Transportation Assistance
• 💼 Job Loss Support & Unemployment
• ⚡ Utility Assistance
• 🥛 WIC Benefits
• 🏦 TANF Assistance
• 🏠 Housing Assistance
• 👶 Childcare Assistance
• 🏥 Healthcare Assistance
• 🚨 Emergency Assistance
• 🤝 Community Support
• 🎯 Disability & Special Needs Support
• 🛋️ Free Furniture & Household Items
• 🏫 Afterschool & Summer Programs
• 🍼 Free Baby Gear & Children's Items
• 🎒 Free School Supplies & Backpacks
• 🏡 Home Buyer Down Payment Grants
• 🤱 Postpartum Health & Maternity Support
• 👩‍💼 Workplace Rights & Pregnancy Protection
• 💼 Business Grants & Assistance
• 🛡️ Domestic Violence Resources & Safety
• 💻 Digital Literacy & Technology Assistance
• 🤱 Free Breast Pumps & Maternity Support
• 📈 Credit Repair & Financial Recovery