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The High Price of HIV: Elders on Disability Insurance Struggle After Age 65

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Healthcare & Aging
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People are living longer with HIV, but because long-term disability insurance ceases at age 65, more and more elders are forced to survive on meager Social Security payments. This often results in vastly reduced standards of living—even homelessness.

By Matthew Hamity

While recent advances in HIV treatments have allowed persons with HIV to live longer and experience significantly improved health, these advances also have led to financial complications for elders not expecting to live well into their 60s, 70s and 80s with the disease. Because long-term disability insurance (LTD) ceases at age 65, more and more elders with HIV are forced to survive on meager Social Security payments, resulting in vastly reduced standards of living—even homelessness.

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