KY
Kentucky
Population: 4.5M |
Employed: 2.2M
No Mandatory State DI Program
Workers in Kentucky rely on employer-sponsored coverage, private policies, or federal SSDI benefits.
150,000
Disabled OASDI Beneficiaries
Kentucky residents
13.6%
Disability Rate
+3.4pp above national avg
1,100,000
Total OASDI Beneficiaries
All categories
$1,260
Avg Monthly Benefit
Disabled workers
Key Cities
- Louisville
- Lexington
- Bowling Green
Employment
2.2M
Total Employment
4.0%
Unemployment Rate
$54
Avg. Annual Income
Social Security
3
SSA Field Offices
#27
National DI Rank
None
State DI Program
vs. National Average
13.6%
Kentucky DI Rate
vs.
10.2%
National Average
Neighboring States
Kentucky's Neighboring States
Related Content
Kentucky Disability Insurance Articles
Compare
Feb 10, 2026
How Disability Insurance Protects Your Income — And the Painful Moments I Realized It Actually Didn’t
Introduction: I Thought My Income Was Safe — Until It Wasn’t For years, I told myself one comforting…
Cases
Feb 10, 2026
Short-Term vs Long-Term Disability Insurance: The Confusion That Cost Me Months of Income
Introduction: I Thought One Policy Was Enough — It Wasn’t For a long time, I believed disability insurance…
Cases
Feb 4, 2026
Individual Disability Insurance for Self Employed Professionals: Income Protection Without an Employer
Introduction: The Unique Risk Facing Self-Employed Workers Self-employment offers flexibility, independence, and income potential—but it also removes one…
Cheap
Feb 4, 2026
Short Term vs Long Term Disability Insurance Coverage: Key Differences Explained
Introduction: Why Coverage Duration Matters A disabling illness or injury can last weeks, months, or even years. The…
Data Source
OASDI beneficiary statistics for Kentucky are sourced from the official U.S. Social Security Administration (SSA) — December 2024 data release.