People with HIV/AIDS in North Carolina may qualify for federal disability benefits like SSI and SSDI, as well as state programs and Medicaid. This guide explains eligibility, how to apply, and additional support options.
To qualify for Social Security Disability Insurance (SSDI) in North Carolina, you must have a medical condition that stops you from working and is expected to last at least a year or result in death. You also need enough work credits based on your age and earnings history. For Supplemental Security Income (SSI), you must have limited income and resources, regardless of work history. Both programs require you to be unable to do substantial gainful activity (SGA), which in 2025 is $1,550 per month for non-blind individuals[1].
HIV/AIDS is listed as a qualifying condition by the Social Security Administration if it meets certain medical criteria, such as advanced symptoms or complications that severely limit your ability to work[3].
In North Carolina, people with HIV/AIDS may also qualify for state disability benefits if they are state employees. The Disability Income Plan of North Carolina (DIP-NC) offers short-term and long-term disability benefits for eligible state workers through the Teachers’ and State Employees’ Retirement System (TSERS). To qualify, you need at least one year of contributing membership service in TSERS within the 36 months before your disability. Short-term disability pays up to 50% of your monthly salary, capped at $3,000 per month, for up to a year. If you remain disabled, long-term disability benefits may continue[2].
North Carolina also offers Medicaid and Medicaid waivers for people with HIV/AIDS, which can help cover medical costs and support services. Eligibility for these programs depends on income, resources, and medical need[4].
North Carolina offers ABLE accounts for people with disabilities. These accounts let you save money for disability-related expenses without losing eligibility for SSI, Medicaid, or other benefits. You can use ABLE funds for things like medical care, housing, and education[6].
For SSI in 2025, the income limit is $943 per month for an individual and $1,415 for a couple. For SSDI, there is no strict income limit, but you must not be doing substantial gainful activity (SGA), which is $1,550 per month for non-blind individuals[1]. Medicaid income limits vary based on household size and other factors[4].
If you receive too much in benefits, you may have to pay it back. Report any changes in income, resources, or living situation to the Social Security Administration or your state benefits office. This helps avoid overpayments and keeps your benefits accurate[1].
Contact your local Social Security office or a disability benefits counselor for help with your application. Many organizations offer free assistance to people with HIV/AIDS.
Yes, HIV/AIDS can qualify for disability benefits in North Carolina if it prevents you from working for at least a year. The Social Security Administration has specific medical criteria for HIV/AIDS that must be met[3].
SSDI is for people who have worked and paid into Social Security. SSI is for people with limited income and resources, regardless of work history. Both can help people with HIV/AIDS who can’t work[1].
You can apply online at SSA.gov, by phone, or in person at a local Social Security office. You will need medical records and work history. State employees should also contact their HR department[1][2].
State employees may qualify for the Disability Income Plan of North Carolina (DIP-NC) through TSERS. This plan offers short-term and long-term disability benefits based on your membership and medical need[2].
In 2025, the SSI income limit is $943 per month for an individual and $1,415 for a couple. These limits can change, so check with the Social Security Administration for the most current information[1].
Yes, North Carolina offers Medicaid for people with HIV/AIDS who have low income and resources. Medicaid can help cover medical costs and support services[4].
This guide is for informational purposes only and is not legal or financial advice. Always consult with a qualified professional for personalized guidance.
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An ABLE account lets people with disabilities save money for disability-related expenses without losing eligibility for SSI, Medicaid, or other benefits. North Carolina offers ABLE accounts for residents[6].
The process can take several months. After you apply, the Social Security Administration will review your medical records and may require additional exams. Appeals can take longer[1].
If your application is denied, you can appeal the decision. Appeals must be filed within 60 days of the denial notice. You may need to provide more medical evidence or attend a hearing[1].
You can work, but your earnings must be below the SGA limit of $1,550 per month in 2025. Social Security has work incentives to help you try returning to work without losing benefits[1].
