There are more than 1.2 million Americans living with HIV in the U.S. today, per the Centers of Disease Control (CDC). Although treatments now available for managing HIV are often effective in controlling symptoms and complications, continued employment depends on how advanced your HIV is and whether your disease has progressed to AIDS.
Treatments for HIV, while more effective today than in the past, are not without side effects, including nausea, fatigue, anemia, nerve complications, and insomnia, among others. Trying to work full-time while dealing with these side effects can be difficult if not impossible. HIV infection also severely compromises your immune system, leaving you vulnerable to frequent infections and at a higher risk of developing cancer and other life-threatening complications.
The effects of the disease and the side effects of treatment often make it impractical to maintain employment, or at least work at the same level as you once did. If your HIV symptoms and complications disrupt your ability to work, you may be able to receive Social Security Disability benefits, which provide steady, consistent income for you to pay bills, cover medical care costs, and manage your everyday living expenses.
The Costs of HIV
HIV management requires ongoing expenses in the form of regular doctor visits and prescription co-pays and deductibles. Frequent lab work and other diagnostic tests are necessary to monitor immune function and catch infections and other complications early. As the disease progresses, hospital stays and emergency room visits become more common.
All of these ongoing medical expenses add up quickly, and make it hard for HIV patients to meet their financial obligations. This is especially true if income from employment is low due to absences from work or job loss.
According to the CDC, the average lifetime cost of treating HIV is $379,668. For most people, Highly Active Antiviral Therapies (HAARTs) account for the highest percentage of annual treatment expenses. Healthline reports that antiviral prescriptions average between $600 and $2,700 per month, and with most of these medications, there is no generic drug option.
While prescription expenses are astronomical, HAARTs are the most effective method of slowing HIV’s progression and for improving both life expectancy and quality of life as an HIV-positive person. An HIV counselor or social worker may be able to help you save on treatment costs, but your prescriptions and other treatments will still take a significant financial toll.
Approval for Social Security Disability benefits can help lessen your financial concerns. Disability applicants additionally meet qualification requirements for Medicare (after one year with SSDI) and/or Medicaid (immediately with SSI in many states). These medical programs can help lower your costs for HIV treatments as well.
Government Benefits for HIV Patients
Social Security Disability
Anyone who has been diagnosed with HIV or AIDS may be eligible for a range of Government benefits. The Social Security Administration (SSA) offers Social Security disability benefits to HIV or AIDS victims if the medical condition is severe enough to prevent them from working for at least 12 months.
There are two types of Social Security Disability Benefits which are Social Security Disability Insurance (SSDI) & Supplemental Security Income (SSI). The former targets victims who have accumulated sufficient work credits throughout their life. Those who haven’t achieved this goal by accruing adequate work credits may be eligible for SSI which is calculated based on the applicant’s income and assets.
Ryan White HIV/AIDS Program
The Ryan White HIV/AIDS Program is a Federal program that offers HIV-related health services. This program works with cities, states, and local community-based organizations. It provides services to more than 500,000 people annually. It is available to anyone who has HIV or AIDS and has a low or very low income so doesn’t have sufficient financial resources or health cover to be able to pay for medical care and other support services that HIV victims require.
State Disability Insurance
This is a type of insurance for workers who have fallen ill or are injured and are unable to work. It replaces some of the victim’s wages when a worker can’t participate in any type of work due to a disability. In some states, disability insurance is shared amongst many types of organizations.
Housing Opportunities for Persons with AIDS (HOPWA)
The Housing Opportunities for Persons with AIDS (HOPWA) program, managed by HUD's Office of HIV/AIDS Housing, was formed to offer help with housing and related supportive services for anyone living with HIV/AIDS and their families who have a low-income.
Medicare is health insurance available to people 65 years or older. You become eligible to sign up for Medicare 3 months before you reach 65 years You may qualify for Medicare earlier if you have a disability, End-Stage Renal Disease (ESRD), or ALS (also called Lou Gehrig’s disease).
Is HIV Considered A Disability?
The SSA definition of a disability might differ from some other generally accepted definitions. The SSA definition is specific and being HIV positive is not automatically considered disability.
For any condition to be considered a disability by the SSA, it must make it impossible for you to earn enough money through a job to support yourself. This monthly income level is called substantial gainful activity.
In 2020, the substantial gainful activity amount is $1260 for non-blind individuals. This number is $2110 for blind individuals. Therefore, in order for HIV to be considered a disability by the SSA, the symptoms that you have must leave you unable to earn substantial gainful activity.
Another condition that must be met in order for HIV to be considered a disability is that it is not possible to earn money by learning a new skill or changing jobs. This will take into consideration things like age and employment history.
For example, if you have worked the same job for 20 years before you became disabled, it would be more difficult to learn the skills required to change jobs at that point in your life. For someone who becomes disabled at a younger age, or has worked in multiple fields it will be easier to make a transition.
Although there is very specific criteria that must be met in order to qualify for disability benefits, the SSA provides clear definitions of those guidelines.
Medically Qualifying for Benefits for HIV
As a viral infection that compromises the immune system, you’ll find the Social Security Administration’s (SSA’s) listing for HIV in the Immune System Disorders section of the Blue Book. The Blue Book is a technical manual, written for doctors and others with the expertise to understand complex medical terminology. This means you’ll likely need your doctor’s help to fully understand HIV disability listing.
Your doctor can help decipher the qualification requirements and the medical evidence necessary to be approved for benefits. To qualify through the Blue Book, your HIV must be advanced and cause significant and frequent symptoms and complications despite treatment.
Specifically, the SSA needs to see through your medical records that at least one of the following is true:
- You experience frequent or persistent bacterial, fungal, viral, or parasitic infections
- You’ve developed cancer and that the cancer is advanced or terminal
- There is fluid collecting on the brain or brain swelling that causes severe disruption in your ability to think or move effectively
- You’ve had severe weight loss (HIV-wasting syndrome)
- Uncontrolled and persistent diarrhea has required you to have IV fluids and nutrition via a feed tube for a month or longer
- You experience other types of infections (sinusitis, encephalitis, sepsis, etc) that require hospitalization, IV therapy, or which are resistant to treatment
- Your frequent infections and other complications have severely compromised your activities of daily living , also called ADLs.
If you’re unable to meet or closely match the disability listing, then you’ll have to proceed through additional reviews to determine your eligibility.
Is AIDS a Disability?
Knowing the answer to the question, “Is AIDs a disability” not only focuses on the symptoms of the disease, but also the side effects that develop during the treatment and rehabilitation processes. One important reminder for AIDs patients: The disability definition for AIDs referred to by the Social Security Administration (SSA) differs from the definition of the disease used by other federal government agencies.
An HIV infection weakens the strength of the body’s immune system, which creates the ideal condition for other serious diseases to develop. Infections can quickly grow to compromise the immune system enough to generate a higher risk of developing life-threatening diseases such as cancer. Intensive treatments for AIDS also can force a patient out of work, which is one of the factors that answer the question, “Is AIDs a disability.” Side effects of treating an HIV infection include acute fatigue, nausea, and nerve damage.
The SSA defines the symptoms that qualify patients for disability benefits under Section 14.11 of the Blue Book. You also have to meet other qualifying criteria, such as not having earned a minimum amount of income and having stayed out of the workforce for 12 consecutive months. Another criterion for qualifying for disability benefits with AIDs is not being able to earn income by changing jobs and/or learning job skills.
Qualifying for Benefits without Meeting a Disability Listing
For HIV to qualify for benefits without meeting a disability listing, you must:
- Have thorough medical records
- Have a doctor that can issue a strong summary statement on your behalf
- Be able to complete “function report forms” that make a compelling argument that you are disabled despite not qualifying through the Blue Book
Functional report forms are a standard part of the “residual functional capacity” (RFC) analysis the SSA completes when an applicant doesn’t qualify under a disability listing. An RFC looks at your physical and mental limitations caused by your HIV symptoms, complications, and treatments. The SSA examines your activities of daily living or ADLs to determine how severely you’re limited by your health issues.
ADLs included in the RFC are things like shopping for groceries, traveling to doctor visits, cleaning your home, preparing food, and staying in touch with friends and family, among others. Severe nausea, weakness, persistent diarrhea, muddled thinking, and other common complications of HIV treatment alone can make it impossible for you to keep up with everyday tasks. For the SSA to see the full extent of your limitations, you and your doctor must both provide detailed information on the manner in which your HIV and required treatments affect your everyday life.
In addition to considering your physical and mental limitations during an RFC, the SSA also looks at your work history, job experience, formal education, training, and your age to determine if you’re unable to work at all. If granted benefits through an RFC, it means the SSA has decided you can’t work in any job that you would otherwise be qualified to perform.
How to Apply for Disability Benefits with HIV
The SSA must usually see the same types of medical documentation regardless of whether you qualify through the Blue Book or through an RFC evaluation. This documentation includes, but is not limited to:
- Lab reports proving a positive HIV diagnosis
- CD4 test results showing immune system compromise and how susceptible you are to opportunistic infections
- Hospitalization or emergency room records going back at least one year
- Diagnostic reports (like lab work, biopsies, imaging tests, etc) documenting complications of HIV, including infections, cancer, if present, or organ damage
HIV disability applications can be submitted online, via the SSA’s website, or in person at the local SSA office. Under some circumstances, remote or phone applications can also be arranged:
- Call 1-800-772-1213 to speak with an SSA representative.
- Visit the SSA’s website to start your Social Security Disability Insurance (SSDI) application.
- Visit the local SSA office to complete a Supplemental Security Income (SSI) application.
- Keep in mind that SSDI applications can also be done at the local branch office.
Take as many records with you as possible for your visit at the local office and be sure to have your records handy if completing your application online as well. You don’t want to leave any blanks on your application. Failing to answer all questions can lead to delays and may even result in denial of benefits.
How To Qualify For Disability Benefits With AIDS
If you have been diagnosed with HIV it is possible that it can progress into AIDS. HIV becomes AIDS when CD4 cell count drops below a specific level. The CD4 cell, also called a T-cell is a white blood cell that is important in your immune system’s ability to fight off illness.
Although AIDS is commonly recognized, it does not have its own listing in the SSA blue book. However, if you or someone you know does have AIDS, they will likely be able to qualify under the HIV listing. There are many ways that you can qualify for disability benefits with HIV in the blue book. For someone with AIDS, section 14.11 G will be relevant. The criteria according to the SSA website:
Absolute CD4 count of less than 200 cells/mm3 or CD4 percentage of less than 14 percent, and one of the following:
- BMI measurement of less than 18.5; or
- Hemoglobin measurement of less than 8.0 grams per deciliter.
This criteria is important because of the CD4 threshold of 200 cells/mm3. This CD4 count is the same number that differentiates HIV and AIDS. Therefore if you have been diagnosed with AIDS, you will likely be able to qualify if you have a low BMI or hemoglobin measurement. It is important to be aware that that is not the only way to qualify for disability benefits with AIDS. If you meet the criteria, you are able to qualify using any of the listings in the blue book including all of those under the HIV listing.
Getting Help With Your Disability Application
You can get help with your claim from a friend, family member, disability advocate, or Social Security attorney. You can even have someone else attend an application appointment with you or complete an online application on your behalf.
To find out more about your case, you can fill out this free evaluation form. Use all of the resources at your disposal for the best chances of winning.