What are the SSDI eligibility requirements in Kentucky?

By Hogan Smith

Updated 11/06/2025

If you're asking, "What are the SSDI eligibility requirements in Kentucky?," know that qualification hinges on both medical and work-related criteria set by the Social Security Administration (SSA). Crucially, your medical condition must prevent you from engaging in Substantial Gainful Activity (SGA) and be expected to last at least 12 months or result in death. To meet the non-medical requirements, you must have earned sufficient work credits by paying FICA taxes, with the number of credits depending on your age at the onset of your disability. Understanding these specific requirements is essential to building a successful claim, and we at Hogan Smith are here to guide you through the SSA's five-step evaluation process.

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1. Understand the Basic Eligibility Criteria

Before applying for SSDI in Kentucky, make sure you meet the fundamental requirements:

  • Have a qualifying disability that prevents you from working or performing substantial gainful activities.
  • Work credits: You must have worked enough years to accumulate the necessary credits (typically 20 out of the last 40 quarters).
  • Meet the SSA’s definition of disability, which requires medical documentation of a severe impairment that significantly limits your ability to work.


2. Gather the Required Documentation

You can apply online, at your local Social Security office, or by phone. While filling out the application:

  • Provide detailed descriptions of your medical conditions, work history, and how your disability impacts your daily life.
  • Be honest and thorough in explaining how your condition prevents you from working.
  • Double-check all information to ensure accuracy and completeness.


3. Complete the SSDI Application

You can apply for SSDI online through the SSA’s website, at your local Social Security office, or by phone. When completing your application, remember to:

  • Provide detailed answers about your medical conditions, work history, and daily limitations.
  • Be honest and thorough in explaining how your condition prevents you from working.
  • Double-check all the information to make sure everything is correct and complete.


4. Submit the Application and Wait for a Decision

After submission, the SSA will review your case, a process that can take several months. During this period:

  • Stay in touch with the SSA to check the status of your application.
  • Respond promptly to any requests for additional or missing information.


5. Appeal if Your Application is Denied

If your SSDI claim is denied, don’t panic. You can still fight for your benefits:

  • Request reconsideration within 60 days of receiving the denial.
  • If reconsideration fails, you can proceed with a hearing before an Administrative Law Judge (ALJ) to present your case in person.


6. Consider Professional Help

Navigating the SSDI process can be complex, so it may help to seek professional assistance:

  • An attorney or disability advocate can guide you through the application or appeal process.
  • They can also help you submit additional evidence that could strengthen your case and ensure you meet all deadlines.

How Hogan Smith Can Help

At Hogan Smith, we understand that applying for SSDI in Kentucky can be a challenging and overwhelming experience. Our dedicated team is here to make the process smoother and more manageable for you:



  • Assess your eligibility for SSDI and ensure you meet the necessary criteria before submitting your application.
  • Collect all required medical records and documentation to support your claim, including treatment history and doctor’s statements.
  • Complete your application accurately and submit it on time to avoid delays or potential denials.
  • Offer continued support throughout your case, including regular updates and follow-ups to keep you informed every step of the way.

Contact Hogan Smith Today

If you're ready to apply for SSDI in Kentucky, Hogan Smith is here to help. Contact us for a free consultation and let us guide you through the application process.


We'll assist you in understanding the strict medical and work-credit eligibility requirements in Kentucky, help you gather all the necessary medical and work documentation, and ensure your application is submitted correctly to the Social Security Administration (SSA).



With our support, you’ll have the best chance of a successful application — so you can focus on your health while we handle the complex legal and administrative paperwork.

Further Reading

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Updated February 10, 2025

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Updated February 10, 2025

A black and white icon of a newspaper on a white background.

Updated February 10, 2025

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