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As you are undetectable there is no risk of HIV reinfection from a partner who is HIV-positive but not on ARVs.
If the value of the estate is less than R250,000, the Master of the High Court may issue a letter of authority, in terms of section 18(3) of the Administration of Estates Act.
The fact that you use her maiden surname and she has changed hers does not make you any less her son.
If your mother died without making a will, the Intestate Succession Act would apply.
You can apply for a disability grant at your nearest SASSA office.
If there is no surviving spouse, the estate will be inherited by the descendants in equal shares.
If a person’s provident or pension fund has not been claimed, the fund will usually place the money in an Unclaimed Benefits Fund while they wait for it to be claimed.
If you were born outside South Africa and one of your parents was South African, and the birth was registered, you should be able to claim South African citizenship by descent.
Your girlfriend will have to apply for a Late Birth Registration (LBR).
The best thing to do is to go to the bank and explain your position to them.