Am I Eligible for Unemployment Benefits in Kentucky?

To qualify for unemployment benefits in Kentucky, you must meet two basic requirements:

• you must have earned at least a minimum amount (and/or worked a certain amount of time) before you lost your job, and
• you must be out of work through no fault of your own.

If you meet these two qualifications when you apply, you will likely be eligible to receive unemployment benefits. (To keep receiving benefits after you are found eligible, you will also have to meet your state’s job search requirements; to learn more, see What Do I Have to Do to Keep Receiving Unemployment Benefits in Kentucky?)

Gig workers, freelancers, and contractors are no longer eligible for benefits. In response to the COVID-19 public health emergency, Congress greatly expanded eligibility for unemployment. Among other things, these programs provided benefits to gig workers and other contract workers who are not eligible for traditional unemployment benefits. However, these programs expired in every state on September 6, 2021; about half the states cut off these benefits even earlier. 

Eligibility Requirement 1: Minimum Earnings

Unemployment benefits are available only to those who are temporarily out of work. If you apply after being out of the workforce for years, for example, you won’t qualify for benefits. You must have been employed relatively recently, and earned at least a minimum amount, to be eligible.

States look at an applicant’s work history during a stretch of time called the “base period.”

In Kentucky, the base period is the first four of the five complete calendar quarters immediately before you filed for benefits. For example, if you file for benefits on March 15, 2024, your base period will be from October 1, 2022 through September 30, 2023. It would not include the most recent complete calendar quarter before you filed (October 1, 2023 through December 31, 2023) or the first two-and-a-half months of 2024.

Some states require only that you earn a minimum amount of money during the base period; other states require, either in addition or instead, that you have done some work in more than one quarter of the base period.

To qualify for benefits in Kentucky, you must have earned: 

• at least $1,500 in one quarter of the base period
• at least $1,500 outside of your highest paid quarter of the base period 
• at least 1.5 times your wages in the highest paid quarter of the base period during the entire base period, and
• at least eight times your weekly benefit amount in the last two quarters of the base period. 

If you have insufficient wages during the base period becasue of a job-related injury for which you received or were eligible for workers' compensation benefits, you may be entitled to an extended base period. The Kentucky Career Center will substitute any or all of the four quarters preceding the base period, on a quarter-by-quarter basis, for quarters occurring within the base period, if necessary for you to meet the earnings requirement to qualify for benefits. 

Eligibility Requirement 2: Reasons for Unemployment

To qualify for unemployment benefits, you must be out of work through no fault of your own. If you lose your job in a layoff, reduction-in-force (RIF), downsizing, or similar job action in which positions are cut for financial or strategic reasons, you will be eligible for benefits.

However, you don’t have to be laid off to collect unemployment. You may still be eligible even if you quit your job or you were fired, depending on the circumstances.

If You Quit Your Job

You will be disqualified from receiving benefits in Kentucky if you quit your last job voluntarily, without good cause attributable to the job. However, you will not be disqualified if you left to take a different job, you quit a job with a commute of 100 miles or more to take a job with a shorter commute, or you quit to move to a different state with your spouse who was transferred by the military. 

In some states, you will be disqualified from receiving benefits for a certain number of weeks. In other states, you may be disqualified until you get another job and earn a minimum amount (typically, this amount is less than you would have to earn to qualify for benefits in the first place). Check the Claimant Guide: Your Rights & Responsibilities When Claiming Unemployment Insurance Benefits for more information about disqualification based on why you quit your job. 

If You Were Fired

You may be disqualified from receiving benefits in Kentucky if you were fired for job-related misconduct or dishonesty. 

You may be disqualified either for a set number of weeks or until you get another job and earn a minimum amount, depending on state law. In some states, the length of the disqualification period depends on why you were fired. You can learn more about disqualification based on the reason you were fired in the Claimant Guide: Your Rights & Responsibilities When Claiming Unemployment Insurance Benefits. 

If You Are Still Employed

If you are still working but need time off for reasons relating to COVID-19 or other health issues, you may be eligible for paid sick leave under your state's law. See Am I Entitled to Paid Sick Leave, Family Leave, or Vacation Time in Kentucky to learn more.