If you have a carry permit from ky then you can carry a handgun loaded with one in the chamber. Also with a carry permit, you can have a magazine loaded but no rounds chambered in a rifle or shotgun. You can only chamber a round in self defense. According to federal law, any citizen who can lawfully posses a firearm can transport it cased and unloaded in any state. So to answer your question if you do not have a permit, the firearm needs to be cased unloaded with the ammo stored seperatly from the firearm. Wouldn't bring any loaded mags eiher unless you have a permit.