Can I get SSDI if I don’t have a work history in Kentucky?

By Hogan Smith

Updated 12/04/2025


Can I get SSDI if I don’t have a work history in Kentucky? In Kentucky, Social Security Disability Insurance (SSDI) generally requires a qualifying work history to receive benefits. If you don’t have enough work credits, you typically cannot qualify for SSDI based on your own earnings record. However, there may be other options like Supplemental Security Income (SSI) or benefits through a family member’s record. It’s important to understand the work credit requirements specific to SSDI eligibility in Kentucky.

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Work History Requirements for SSDI

Key facts to consider about SSDI and work history in Kentucky:

  • SSDI requires earning sufficient work credits based on your age at disability onset.
  • Work credits come from paying Social Security taxes through employment or self-employment.
  • Generally, you need about 20 credits earned in the last 10 years to be eligible.
  • No work history usually disqualifies you from SSDI benefits on your own record.
  • You may still qualify for SSI, which has different eligibility rules, or benefits through a spouse or parent.
  • Special programs exist but often have strict additional conditions to meet.

How Hogan Smith Can Help

At Hogan Smith, we help Kentucky residents navigate SSDI eligibility when you lack a work history by:

  • Reviewing your complete background to determine if you qualify under disabled adult child benefits or other Social Security programs.
  • Explaining the differences between SSDI and SSI to guide you toward the best option.
  • Assisting in gathering required documentation and navigating the application process with the SSA.
  • Representing you during appeals if your claim is denied due to work history requirements or related issues.

Contact Hogan Smith Today

If you’re unsure about SSDI eligibility without a work history in Kentucky, contact Hogan Smith today for a free consultation. Our expert team will clarify your options, help with application strategies, and advocate for you during the process. Let us guide you toward the benefits you deserve despite work history challenges.


Further Reading

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Updated February 10, 2025

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Updated February 10, 2025

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Updated February 10, 2025

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