Understanding Disability in Garrard County
Garrard County in Kentucky has a disability rate of 19.6%, which is 6.6 percentage points above the national average of 13.0%. Out of the county's total population of 17,247, 3,387 people report at least one disability.
The most common disability type in Garrard County is ambulatory difficulty, affecting 1,809 residents (11.1% of the population).
The median household income is $62,572, below the national median of $78,538. The poverty rate is 13.7%, above the national average of 8.7%.
Types of Disabilities in Garrard County
Ambulatory difficulty is the most prevalent disability type in Garrard County, affecting 1,809 residents (11.1% of the population). People may report more than one disability type.
| Disability Type | Population | % of Total Pop. |
|---|---|---|
| Hearing difficulty | 880 | 5.1% |
| Vision difficulty | 347 | 2.0% |
| Cognitive difficulty | 1,326 | 8.1% |
| Ambulatory difficulty | 1,809 | 11.1% |
| Self-care difficulty | 712 | 4.4% |
| Independent living difficulty | 1,006 | 7.5% |
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- Average wait time: 132 days
- Initial approval rate: 34%
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Disability by Age Group
In Garrard County, 44.9% of residents age 75 and over report a disability, compared to 10.2% among those under 5.
| Age Group | With Disability | Disability Rate |
|---|---|---|
| Under 5 | 292 | 10.2% |
| 5 to 17 | 383 | 12.1% |
| 18 to 64 | 1,453 | 20.2% |
| 65 to 74 | 726 | 38.0% |
| 75 and over | 533 | 44.9% |
Disability by Sex
| Sex | With Disability | Rate |
|---|---|---|
| Male | 1,639 | 19.4% |
| Female | 1,748 | 19.9% |
Females in Garrard County have a higher disability rate (19.9%) compared to males (19.4%).
Disability by Race & Ethnicity
Disability rates vary across racial and ethnic groups in Garrard County.
| Race / Ethnicity | With Disability | Rate |
|---|---|---|
| White | 3,313 | 20.8% |
| Black or African American | 20 | 5.2% |
| Asian | 0 | N/A |
| Hispanic or Latino | 0 | 0.0% |
Income & Poverty in Garrard County
The median household income in Garrard County is $62,572, below the national median of $78,538. The poverty rate is 13.7%, above the national average of 8.7%. The unemployment rate stands at 3.4%. For people with disabilities, economic challenges are often amplified.
SSDI in Kentucky
Garrard County residents apply for SSDI through the Kentucky Disability Determination Services. Here are the current approval rates and processing times.
| Stage | Kentucky Rate | National Avg. |
|---|---|---|
| Initial Application | 34% | 38% |
| Reconsideration | 11% | ~14% |
| Hearing (ALJ) | 51% | 56% |
| Average Wait (Initial) | 132 days | 227 days |
How to Apply for SSDI in Garrard County
Step 1: Check Your Eligibility
To qualify for SSDI, you must have earned enough work credits and have a medical condition preventing substantial gainful activity. In 2024, SGA is defined as earning more than $1,550/month.
Step 2: Gather Medical Evidence
Strong medical documentation is critical. In Kentucky, where only 34% of initial claims are approved, thorough evidence makes the difference.
Step 3: Submit Your Application
Apply online at ssa.gov, by phone at 1-800-772-1213, or at your local Social Security office. The average processing time in Kentucky is 132 days.
Step 4: If Denied, Appeal Promptly
With a 66% denial rate in Kentucky, many applicants will need to appeal. You have 60 days to request reconsideration. At the hearing level, 51% of cases are approved.
Frequently Asked Questions
What is the disability rate in Garrard County?
According to the 2023 American Community Survey, 19.6% of the civilian noninstitutionalized population in Garrard County has at least one disability, totaling 3,387 residents. This is above the national average of 13.0%.
What is the SSDI approval rate for Garrard County residents?
Garrard County residents apply through Kentucky's Disability Determination Services. The initial approval rate is approximately 34%, with a hearing-level approval rate of 51%. Average processing takes 132 days.
How long does it take to get SSDI in Kentucky?
The average processing time for initial SSDI applications in Kentucky is 132 days, shorter than the national average of 227 days.
What should I do if my SSDI claim was denied in Garrard County?
If denied, you have 60 days to file an appeal. In Kentucky, 51% of cases are approved at the hearing level. Working with a disability lawyer significantly improves your chances.
What is the median income in Garrard County?
The median household income in Garrard County is $62,572, below the national median of $78,538.
Cities & Towns in Garrard County
City-level data for Garrard County is coming soon.
Check If You Qualify for Disability Benefits
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Sources & Methodology
All data for Garrard County is compiled from official government sources.
- U.S. Census Bureau - American Community Survey 5-Year Estimates, Table S1810 (Disability Characteristics), 2023
- U.S. Census Bureau - American Community Survey 5-Year Estimates, Table DP03 (Selected Economic Characteristics), 2023
- Social Security Administration - SSI Recipients by State and County, 2024
- Social Security Administration - SSDI approval and processing data, Fiscal Year 2024