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Texas • Chronic Illness
People with HIV/AIDS in Texas may qualify for federal disability benefits like SSDI and SSI, plus state-specific support such as Medicaid. Eligibility depends on medical documentation, income, and work history. This guide explains how to apply, what benefits you can get, and where to find help.
To qualify for federal disability benefits with HIV/AIDS, your condition must:
The Social Security Administration (SSA) uses a 5-step process to decide eligibility:
If you can’t do any of these, you may qualify for SSDI or SSI[^1][^2].
In Texas, eligibility for disability benefits follows federal rules, but local agencies handle applications and reviews. The Texas Disability Determination Services (DDS) reviews medical evidence and makes the final decision. HIV/AIDS is recognized as a qualifying condition if it causes severe functional limitations[^1][^2].
SSI recipients in Texas automatically qualify for Medicaid, which covers medical care for HIV/AIDS[^3]. Texas also offers Medicaid waivers for home and community-based services, which can help people with HIV/AIDS live independently[^4].
If you have HIV/AIDS and are unable to work, you may also qualify for Presumptive Disability (PD) payments, which provide SSI for up to six months while your full application is reviewed[^3].
Texas offers several programs for people with HIV/AIDS:
ABLE accounts let people with HIV/AIDS save money without losing SSI or Medicaid eligibility. You can save up to $18,000 per year (2025), and funds can be used for disability-related expenses like housing, education, and health care[^7].
You must report changes in income, work, or medical status to avoid overpayments. If you get too much money, you may have to pay it back. Report changes online, by phone, or in person at a Social Security office[^6].
Texas legal aid organizations can help you apply for disability benefits and appeal denials. Contact them for free or low-cost help.
Yes, HIV/AIDS can qualify if it severely limits your ability to work and meets the SSA’s definition of disability. Medical documentation is required.
In 2025, you can earn up to $1,620/month (non-blind) or $2,700/month (blind) without losing SSDI or SSI benefits. Higher earnings may affect eligibility.
Yes, SSI recipients in Texas automatically qualify for Medicaid, which covers medical care for HIV/AIDS and other conditions.
The average SSDI payment in Texas is about $1,580/month in 2025. The maximum is $4,018/month, but most people get less.
Yes, you can work during a trial work period and keep your SSDI benefits. SSI has work incentives to help you earn more without losing eligibility.
Presumptive Disability allows SSI payments for up to six months while your full application is reviewed, if you have a clearly disabling condition like advanced HIV/AIDS.
Apply online at SSA.gov, by phone, or at a local Social Security office. You’ll need medical records and information about your work history and income.
Disclaimer: This guide is for informational purposes only and does not constitute legal or financial advice. Always consult with a qualified professional for your specific situation.
An ABLE account is a tax-advantaged savings account for people with disabilities. You can get one in Texas if you became disabled before age 26.
Yes, Texas offers Medicaid waivers for home and community-based services, which can help people with HIV/AIDS live independently.
You can appeal the decision. Texas legal aid organizations can help with the appeals process.
