Open a Purple account in minutes. Banking built for people with disabilities.
Georgia • Chronic Illness
People with HIV/AIDS in Georgia can access federal and state benefits, including Medicaid, SSI, ABLE accounts, and disability insurance. Eligibility depends on income, disability status, and other factors. This guide explains how to apply and what support is available.
People with HIV/AIDS may qualify for federal disability benefits if their condition meets Social Security’s definition of disability. This means the illness must be severe enough to prevent substantial work for at least 12 months. For 2025, substantial work is defined as earning more than $1,620 per month for non-blind individuals (or $2,700 if blind) [6]. SSI and SSDI are the main federal programs for people with disabilities, including those with HIV/AIDS. SSI is for those with limited income and resources, while SSDI is for those who have worked and paid into Social Security [7].
In Georgia, people with HIV/AIDS may qualify for Medicaid based on disability status or income. Georgia’s new Medicaid waiver expands income limits, which could help more people with disabilities, including those with HIV/AIDS, gain coverage. The waiver also includes work requirements, but reasonable accommodations are available for people with disabilities. Those who cannot meet work requirements may be referred to vocational rehabilitation programs [1]. Georgia also offers STABLE accounts for people with disabilities, which allow saving and investing without losing needs-based benefits [2].
Georgia STABLE accounts let people with disabilities save for qualified expenses and invest without losing needs-based benefits. Accountholders can save up to $19,000 per year (and, if employed, up to $15,060 more). The account’s growth is tax-free, and contributions may qualify for a state income tax deduction. Eligibility requires a qualifying disability before age 26 [2].
For SSI in 2025, the federal income limit is $1,620 per month for non-blind individuals (or $2,700 if blind). Medicaid income limits vary based on household size and disability status. Georgia’s Medicaid waiver expands these limits for people with disabilities [1].
It’s important to report any changes in income, employment, or disability status to avoid overpayments. Failure to report changes can result in penalties or loss of benefits. Monitor your eligibility and report changes promptly to the relevant agencies [4].
Contact your local Social Security office or the Georgia Department of Human Services for assistance with applications and eligibility questions.
Yes, HIV/AIDS can qualify as a disability for SSI if it meets Social Security’s definition of disability. This means the illness must be severe enough to prevent substantial work for at least 12 months. Medical evidence is required to support your application [7].
You can apply for Medicaid in Georgia online, by mail, or in person through the Department of Human Services. You’ll need to provide proof of income and disability. Georgia’s Medicaid waiver may expand eligibility for people with disabilities, including those with HIV/AIDS [1].
A STABLE account lets Georgians with disabilities save and invest for qualified expenses without losing needs-based benefits. You can save up to $19,000 per year (and, if employed, up to $15,060 more). The account’s growth is tax-free, and contributions may qualify for a state income tax deduction [2].
Georgia’s Medicaid waiver includes work requirements, but reasonable accommodations are available for people with disabilities. Those who cannot meet work requirements may be referred to vocational rehabilitation programs [1].
State employees in Georgia can access short-term and long-term disability insurance, which replaces up to 60% of pay if unable to work due to disability. Benefits can continue for the full duration of your qualifying disability, up to Social Security Normal Retirement Age [3].
Disclaimer: This guide is for informational purposes only and does not constitute legal or financial advice. Always consult with a qualified professional for personalized guidance.
Report any changes in income, employment, or disability status to the relevant agencies promptly. Failure to report changes can result in overpayments, penalties, or loss of benefits. Monitor your eligibility and report changes as soon as possible [4].
Yes, you can save money without losing benefits by opening a STABLE account. These accounts let Georgians with disabilities save and invest for qualified expenses without affecting needs-based benefits [2].
Children with HIV/AIDS may qualify for SSI if they meet Social Security’s disability criteria. Families should also explore Medicaid and other state programs for children with disabilities [7].
You can get help applying for benefits through the Social Security Administration, Georgia Department of Human Services, or local disability advocacy organizations. These agencies can provide guidance and support throughout the application process [1][7].
If your disability status changes, you must report it to the relevant agencies. Changes can affect your eligibility for benefits, so it’s important to report them promptly to avoid overpayments or loss of benefits [4].
