STABLE Kentucky savings accounts
Tax-advantaged savings accounts for people with disabilities that don't count against SSI or Medicaid limits, up to set amounts.
Apply on the official site ↗Goes to STABLEKentucky.com. Applying is free.
Who generally qualifies
People whose disability began before age 46.
Exact income limits and rules are set by Kentucky State Treasurer and can change. Check the official site for current details.
How to apply
- Open an account online.
- Add money and use it for disability-related expenses.
What to have ready
- Social Security number
- Bank account information
Common questions
- Does it cost anything to apply?
- No. Applying through the official site is free. Be wary of anyone who charges a fee to apply for you.
- Do I have to pay it back?
- No. It's a free or low-cost service, not a loan.
- Who decides if I qualify?
- Kentucky State Treasurer makes the final decision. This page explains the program in general terms only.
- Where can I find current income limits and amounts?
- Income limits, benefit amounts and deadlines change, so check STABLEKentucky.com for the latest details.
Added October 21, 2026. BenefitSearch is not affiliated with Kentucky State Treasurer.