HIV/AIDS Benefits in Indiana: 2025 Guide

To qualify for Social Security Disability Insurance (SSDI), you must have worked enough years to earn work credits and have a disability that prevents you from working for at least 12 months. For Supplemental Security Income (SSI), you must have limited income and resources, and meet the SSA’s definition of disability. HIV/AIDS is listed as a qualifying condition if it meets the criteria in the SSA’s Blue Book (Listing 14.08 for HIV infection). You must provide medical evidence showing your condition meets or equals the listing requirements. If your HIV/AIDS is severe enough to prevent substantial gainful activity, you may qualify for benefits.

• SSDI: Work history required; pays based on your earnings record.
• SSI: No work history needed; pays based on financial need.
• Both programs require a medical determination of disability.
• You may qualify for both SSDI and SSI if you meet both sets of criteria.

SSA Disability Qualifications (accessed 2025-11-05)

SSA Blue Book: HIV Infection (accessed 2025-11-05)

In Indiana, people with HIV/AIDS may qualify for state disability programs and Medicaid waivers. The Indiana Disability Determination Bureau (DDB) works with the SSA to make medical determinations for disability benefits. Indiana’s Medicaid program covers people with HIV/AIDS who meet income and resource requirements. The state also offers the Ticket to Work program, which helps adults with disabilities find employment and vocational rehabilitation services.

• Indiana DDB handles medical determinations for SSDI and SSI.
• Medicaid in Indiana covers people with HIV/AIDS who qualify based on income and resources.
• Indiana’s Medicaid waivers may provide additional services for people with disabilities.
• The state’s Short-Term and Long-Term Disability programs are available for state employees with non-occupational injuries or illnesses.

FSSA Disability Determination Bureau (accessed 2025-11-05)

Indiana Medicaid (accessed 2025-11-05)

Indiana Medicaid Waivers (accessed 2025-11-05)

• Gather medical records and proof of income.
• Contact the Indiana Disability Determination Bureau for help with your application.
• Apply online for SSDI or SSI at SSA.gov.
• For Medicaid, apply through the Indiana Health Coverage Programs portal.
• Report any changes in your condition or income to avoid overpayments.

• Step 1: Collect all medical records related to your HIV/AIDS diagnosis and treatment. Include lab results, doctor’s notes, and hospital records.
• Step 2: Contact the Indiana Disability Determination Bureau (DDB) for guidance on the application process. They can help you understand what documentation is needed.
• Step 3: Apply for SSDI or SSI online at SSA.gov, by phone, or in person at a local SSA office. You can apply for both programs at the same time if you meet the criteria.
• Step 4: For Medicaid, apply through the Indiana Health Coverage Programs portal or by contacting your local FSSA office.
• Step 5: If you are a state employee, apply for Short-Term or Long-Term Disability benefits through your employer’s HR department.
• Step 6: Report any changes in your condition, income, or living situation to the SSA and FSSA to avoid overpayments.
• Step 7: Keep copies of all applications and correspondence for your records.

SSA Apply for Benefits (accessed 2025-11-05)

Indiana Health Coverage Programs (accessed 2025-11-05)

Indiana Disability Determination Bureau (accessed 2025-11-05)

• SSDI (Social Security Disability Insurance): Pays benefits to people with a qualifying disability who have worked enough years. Benefits are based on your earnings record.
• SSI (Supplemental Security Income): Provides monthly payments to people with limited income and resources who have a qualifying disability.
• Medicaid: Provides health coverage to people with disabilities who meet income and resource requirements.
• Medicare: Available to people with disabilities after 24 months of SSDI eligibility.
• Ticket to Work: Helps people with disabilities find employment and vocational rehabilitation services.

SSA Disability Programs (accessed 2025-11-05)

Medicaid.gov (accessed 2025-11-05)

Medicare.gov (accessed 2025-11-05)

• Indiana Medicaid: Provides health coverage to people with HIV/AIDS who meet income and resource requirements. Covers medical care, medications, and related services.
• Medicaid Waivers: Indiana offers waivers that provide additional services for people with disabilities, such as home and community-based services.
• Short-Term and Long-Term Disability: Indiana’s state disability program provides income replacement for state employees with non-occupational injuries or illnesses.
• Vocational Rehabilitation Services: Indiana’s Ticket to Work program helps adults with disabilities find employment and vocational rehabilitation services.
• Indiana Disability Determination Bureau: Handles medical determinations for SSDI and SSI applications.

Indiana Medicaid (accessed 2025-11-05)

Indiana Medicaid Waivers (accessed 2025-11-05)

Indiana Disability Determination Bureau (accessed 2025-11-05)

Indiana Vocational Rehabilitation (accessed 2025-11-05)

ABLE accounts allow people with disabilities to save money without affecting their eligibility for SSI, Medicaid, or other benefits. Indiana offers ABLE accounts through the INvestABLE program. You can use the funds for disability-related expenses such as education, housing, transportation, and health care.

INvestABLE (accessed 2025-11-05)

The Substantial Gainful Activity (SGA) limit determines how much you can earn while still qualifying for SSDI benefits. For 2025, the SGA limit for non-blind individuals is expected to be $1,530 per month, and for blind individuals, $2,550 per month. SSI has separate income limits based on financial need.

SSDI SGA Limits 2025 (accessed 2025-11-05)

SSA SSI Income Limits (accessed 2025-11-05)

You must report any changes in your condition, income, or living situation to the SSA and FSSA to avoid overpayments. Overpayments can result in repayment demands and affect your eligibility for benefits. Keep records of all changes and report them promptly.

SSA Reporting Changes (accessed 2025-11-05)

FSSA Reporting Changes (accessed 2025-11-05)

• Indiana Disability Determination Bureau
  Phone: 800-622-4968

  Website

  Ask for the examiner assigned to your claim.
• Indiana Family and Social Services Administration
  Phone: 800-403-0864

  Website

  For Medicaid and other state benefits.

• Can I get SSDI if I have HIV/AIDS in Indiana?

  Yes, if your HIV/AIDS meets the SSA’s criteria for disability and you have enough work credits. You must provide medical evidence showing your condition prevents you from working for at least 12 months.

• Can I get SSI if I have HIV/AIDS in Indiana?

  Yes, if you have limited income and resources and your HIV/AIDS meets the SSA’s criteria for disability. SSI does not require a work history.

• What is the SGA limit for 2025?

  For 2025, the SGA limit for non-blind individuals is expected to be $1,530 per month, and for blind individuals, $2,550 per month. This is the maximum you can earn and still qualify for SSDI.

• Can I get Medicaid if I have HIV/AIDS in Indiana?

  Yes, if you meet Indiana’s income and resource requirements. Medicaid covers medical care, medications, and related services for people with HIV/AIDS.

• What are Medicaid waivers in Indiana?

  Medicaid waivers provide additional services for people with disabilities, such as home and community-based services. Indiana offers several waivers for people with HIV/AIDS.

• How do I apply for disability benefits in Indiana?

  Gather medical records, contact the Indiana Disability Determination Bureau, and apply online for SSDI or SSI at SSA.gov. For Medicaid, apply through the Indiana Health Coverage Programs portal.

• What is an ABLE account?