Money

Michael Carter, Selina Corkery

This section provides an introduction to some of the key issues involving money, welfare benefits and personal finance that you might encounter.

Like everyone else, it is important that people with HIV think about their current and long-term financial situation. It’s an indication of how much the outlook for people living with HIV has improved since effective treatment became available that people often need information on mortgages and pensions. Many people diagnosed with HIV in the UK today can expect to live a normal lifespan, so it is important to think about a long-term financial future. 

Money worries can be a real headache and often get worse if you don’t take action, so it’s important to tackle them as soon as possible. The information in this section isn’t exhaustive, and if you are going to make a claim for welfare benefits, or are thinking of applying for a mortgage, you should seek specialist advice. Regulations governing access to benefits can change very quickly, so, even if you’ve made a successful application in the past, it’s wise to get advice from an accredited benefits adviser.

Similarly, some financial advisers have developed a detailed understanding of the financial issues faced by HIV-positive people. A good place to start if you want information on benefits or money advice is Citizens Advice. It has a lot of information on its website, as well as branches around the country, and all its advice is free.

Published November 2013

Last reviewed November 2013

Next review November 2015

Contact NAM to find out more about the scientific research and information used to produce this section.

This content was checked for accuracy at the time it was written. It may have been superseded by more recent developments. NAM recommends checking whether this is the most current information when making decisions that may affect your health.