Financial Planning for People Living with HIV

Living with HIV means planning for both health and financial stability. Our agency is committed to empowering people living with HIV with the information, tools, and support needed to build a secure and resilient future. Whether it’s understanding your insurance coverage, applying for disability benefits, or strengthening your long term financial foundation, we’re here to walk with you every step of the way.

1. Understanding Your Insurance Options

Reliable medical coverage is one of the most important parts of long term wellbeing. Our team can help you:

• Review your current insurance plan

• Understand medication coverage

• Compare deductibles, co pays, and formularies

• Explore affordable coverage options available to you

• Troubleshoot issues with pharmacy benefits or billing

We work directly with you to help ensure you stay in care without unnecessary financial stress.

2. Navigating Disability Benefits (SSDI & SSI)

If your health impacts your ability to work, disability benefits can provide stability. Our staff can support you in:

• Understanding the difference between SSDI and SSI

• Gathering medical documentation

• Completing applications

• Communicating with Social Security

• Tracking deadlines and follow up requirements

We help make the process easier, clearer, and more organized so you can focus on your health.

3. Building Long Term Financial Resilience

Financial strength isn’t built overnight — but small, steady steps create lifelong protection.

• Build an emergency fund

• Create a realistic monthly budget

• Plan for medication, transportation, and living costs

• Prepare for recertifications or benefits changes

• Understand income rules for disability programs

• Manage medical bills with confidence

We also encourage future oriented financial thinking, including savings, investment habits, and wealth building strategies.

4. Community Wealth & Empowerment

While we don’t promote outside financial systems, we do encourage empowerment focused, community centered financial habits such as:

• Learning the basics of long term investing

• Practicing disciplined saving and budgeting

• Taking advantage of compound growth opportunities

• Making financial choices that align with your goals

• Building resilience through community support

These principles emphasize ownership, stability, and empowerment without placing your essential health care or benefits at risk.

5. You Don’t Have to Figure This Out Alone

Our agency is here to support you through:

• Insurance reviews

• Benefits navigation

• Financial goal setting

• Resource planning

• One on one guidance

Everything is confidential, judgment free, and tailored to your situation.

Take the First Step

If you're living with HIV and want support strengthening your financial foundation, reach out to us. A single conversation can open the door to clarity, stability, and long term resilience.