People with HIV/AIDS in Mississippi may qualify for federal disability benefits like SSI and SSDI, as well as state programs such as Medicaid waivers and ABLE accounts. These programs help cover medical costs, provide monthly income, and support independent living.
To qualify for federal disability benefits like SSI or SSDI, you must have a severe medical condition that stops you from working for at least 12 months. HIV/AIDS is listed as a qualifying condition if it causes significant limitations in daily activities or work. You must also meet income and asset limits for SSI, or have enough work credits for SSDI. The Social Security Administration (SSA) reviews your medical records and work history to decide eligibility[1].
Mississippi does not offer state-funded cash disability benefits for people with HIV/AIDS. However, you may qualify for other state programs. Medicaid Waiver Programs provide home and community-based services for people with physical or developmental disabilities, including those with HIV/AIDS who need long-term care. The Mississippi Department of Rehabilitation Services (MDRS) offers employment services and financial aid for assistive devices. ABLE accounts are also available for saving without losing benefits[3].
ABLE accounts are savings accounts for people with disabilities. In Mississippi, you can save up to $19,000 per year (2025 limit) without losing SSI or other benefits. If you work, you can contribute more, up to your income or the federal poverty level. The account balance can reach $235,000, but SSI is suspended if it exceeds $100,000. Funds can be used for qualified disability expenses like housing, education, and healthcare[10].
For SSI in 2025, the individual income limit is $6,587 per month, and for couples, it is $8,879 per month. For SSDI, you cannot earn more than $1,620 per month (or $2,700 if blind) in countable income. Medicaid income limits vary by program and household size[11].
If your income or circumstances change, you must report it to SSA or Medicaid. Failing to report can result in overpayments and penalties. Use the SSA online portal or contact your local office to report changes. For Medicaid, report changes to the Mississippi Division of Medicaid[12].
Contact the Mississippi Department of Rehabilitation Services for help with disability applications and support services.
Yes, HIV/AIDS can qualify for federal disability benefits if it severely limits your ability to work for at least 12 months. You must meet SSA medical and work criteria. State programs like Medicaid waivers may also help with care and support[13].
No, Mississippi does not offer state-funded cash disability benefits. Federal programs like SSI and SSDI are the main sources of monthly income for people with disabilities, including those with HIV/AIDS[14].
Contact the Mississippi Division of Medicaid to apply for Medicaid waivers. You must meet income and disability criteria. Waivers provide home care, medical assistance, and support services for people with HIV/AIDS who need long-term care[15].
An ABLE account lets you save money for disability-related expenses without losing SSI or other benefits. In Mississippi, you can save up to $19,000 per year (2025), and funds are tax-free if used for qualified expenses[16].
Yes, you can work while receiving disability benefits, but there are limits on how much you can earn. For SSI, the 2025 limit is $1,620 per month (or $2,700 if blind). SSDI has similar rules. Work incentives help you keep benefits while working[17].
This guide is for informational purposes only and is not legal or financial advice. Always consult with a qualified professional for personalized guidance.
Join thousands of families who trust Purple to protect their benefits
Purple is a financial technology company, not a bank. Banking services are provided by OMB Bank, Member FDIC.
The approval process can take several months. SSA reviews your application, medical records, and work history. If more information is needed, they may request a consultative exam. Most SSDI claims take 3-5 months, but some can take longer[18].
You need medical records from your doctors that show your diagnosis, treatment, and how HIV/AIDS limits your ability to work. SSA may request additional exams if records are incomplete[19].
Yes, family members may be eligible for dependent benefits if you receive SSDI. Spouses and children may qualify for monthly payments based on your work record[20].
If your claim is denied, you can appeal the decision. Contact SSA to start the appeals process. You may need to provide more medical evidence or attend a hearing[21].
There are federal and nonprofit grants for people with HIV/AIDS, but Mississippi does not have a state-specific grant program. Check with national organizations for available resources[22].
