Elder Law & Estate Planning
Request Consultation

New Jersey Medicaid Support Programs

Medicaid is a government program that is funded by both the state and federal government that provides health care services to low-income individuals. This article is an overview of the benefits and eligibility requirements of three Medicaid support programs offered in New Jersey in order to give a better understanding of the services available and the required qualifications.

Posted on December 26, 2016
A group of older adults engaged in conversation, highlighting the importance of understanding New Jersey Medicaid support programs for seniors.

Supplemental Security Income

Supplemental Security Income (SSI) is a federal income supplement program that is designed to provide services to low-income individuals who are elderly, blind, or disabled. SSI consists of monthly cash payments intended to cover the participant’s basic needs, such as food and shelter.

In order to qualify for SSI, you must be at least 65 years old, blind, or disabled. An individual is considered “disabled” if they have a medically determinable physical or mental impairment that makes them unable to perform substantial gainful activity and can be expected to result in death or is expected to last for a continuous period of at least one year. Additionally, the applicant must be a U.S. citizen or in a certain category of aliens. The applicant must be a resident of one of the 50 states, the District of Columbia, or the Northern Mariana Islands and cannot be absent from the country for 30 or more consecutive days.

SSI applicants must also have “limited income and resources.” This means that the applicant must have a monthly income of less than $764.25 and their resources must be less than $2000 for an individual and $3000 for a couple. The following are considered “resources”: cash, bank accounts, stocks, bonds, land, vehicles, personal property, life insurance, or anything that could be converted to cash. Applicants must apply through a local Social Security office.

NJ Care – Special Medicaid Program

The NJ Care program (NJC) provides Medicaid for individuals who are over the age of 65, blind, or disabled who cannot afford adequate health care, but do not qualify for Medicaid because their income or resources are too high. NJC includes a “spend down” provision that allows participants to reduce their monthly income to account for documented medical expenses in order to meet financial eligibility limits.

To qualify for the NJC program you must be 65 or older, blind, or disabled (as determined by the Social Security Administration or the Division of Medical Assistance & Health Services) and a resident of New Jersey. You must also be a U.S. citizen or qualified alien. NJC has a monthly income limit of $990 and a resource limit of $4000. Prospective applicants can apply at their local County Welfare Agency or Board of Social Services.

NJ Workability

NJ Workability (NJW) provides full Medicaid health coverage to New Jersey citizens with disabilities who are employed. These earnings often make them ineligible for traditional Medicaid, even though participants still may not be able to afford health care services. Applicants who qualify will pay a small premium in order to receive full New Jersey Medicaid coverage.

Applicants must be between the ages of 16-65 and must be considered disabled by the Social Security Administration or the Division of Medical Assistance & Health Services. The applicant must be employed full time and will be required to submit proof of employment. NJW has an income limit of $60,180 per year for an individual and $80,892 per year for a couple. There is also a limit of unearned income (i.e. pensions or child support) of $990 per month for an individual or $1335 for a couple. Additionally, individuals have a resource limit of $20,000 and couples have a resource limit of $30,000.

It is important to note that the following benefits are not considered for financial qualification purposes of the NJW program: Social Security Disability Benefits, Railroad Retirement System Benefits, retirement accounts, and the value of owned home or vehicle. Prospective applicants can apply at their local County Welfare Agency or Board of Social Services.

DISCLAIMER: Attorney Advertising. The information provided in this post is for informational purposes only and should not be construed as a legal advice. It is not intended to create an attorney-client relationship with a reader and should not be relied upon without first seeking professional legal counsel.

More from our blog...

Person sitting alone at a table with documents and a window view representing aging alone estate planning in New Jersey

Aging Alone: What to Do Legally and Financially When There Is No Spouse or Partner to Plan With

September 13, 2026
According to the Pew Research Center, roughly 26 percent of Americans ages 65 and older lived alone in 2023. Census Bureau research has also found…
Close-up of lush green leaves representing the idea that estate planning documents are built for living, not just for what happens at death.

Estate Planning Is Built Around Death. But What About Everything That Comes Before It?

September 10, 2026
A recent Forbes article by John Samuels, founder and CEO of the healthcare advisory firm Wellworth, makes a case that the estate planning industry has…
lose-up of a weathered brick wall with the words "Step-Up In Basis" — what the step-up in basis rule means for inherited property and how it affects capital gains taxes in New Jersey

What Is a Step-Up in Basis and Why Does It Matter When You Inherit?

September 4, 2026
When you inherit a piece of real estate or a brokerage account, the tax basis of that asset is generally adjusted to its fair market…
Shadows of a multigenerational family walking together on pavement with the words "While There Is Time" — what families in New Jersey should do legally and financially as parents get older

My Parents Are Getting Older. What Should We Be Doing Now?

August 31, 2026
The worry usually arrives quietly. A parent forgets something they would not have forgotten before. A bill goes unpaid. A conversation reveals that they have…
Back To blog

Table of Contents

FREE WEBINAR

5 Things to Know About

Estate Planning

When You Turn Sixty-Five


    Save the Date

    Friday, Sep 18th at 2:30pm

    Privacy Policy

    This Privacy Statement describes how Milvidskiy Law Group P.C. collects, uses, and discloses certain personal information obtained through our public web site at www.milvidlaw.com (the “Web Site”). This Privacy Statement does not address information collection through other sources such as in-person seminars, workshops, or in-person consultations and contacts.

    SMS Privacy Policy

    Milvidskiy Law Group P.C. may disclose Personal Data and other information as follows:

    Third Parties that Help Provide the Messaging Service: We will not share your opt-in to an SMS short code campaign with a third party for purposes unrelated to supporting you in connection with that campaign. We may share your Personal Data with third parties that help us provide the messaging service, including, but not limited to, platform providers, phone companies, and other vendors who assist us in the delivery of text messages.

    Additional Disclosures: Affiliates: We may disclose the Personal Data to our affiliates or subsidiaries; however, if we do so, their use and disclosure of your Personal Data will be subject to this Policy. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

    Personal Information Collection and Use

    In general, you can visit our Web Site without telling us who you are or revealing any information about yourself. There are times, however, when we ask for personally identifiable information from you, such as your name, company, e-mail address, phone number, and address (“Personal Information”). We request this information in order to correspond with you, to provide you with a subscription to a newsletter or publication, to notify you about events, or otherwise to respond to your requests or provide you with information that we consider may be of interest to you. Where applicable, we will differentiate between personal data fields that are optional and those that are mandatory to obtain the requested information.

    If you receive a marketing e-mail from Milvidskiy Law Group P.C., you will be provided with an automated way to opt out (unsubscribe) from that particular communication or from all marketing e-mails sent by our firm. Please follow the instructions on the e-mail you received. If you have received unwanted e-mail from our firm, please forward a copy of that e-mail to [email protected].

    Please note that if you reply to a Milvidskiy Law Group P.C. address in one of our marketing e-mails or otherwise send a communication to us, your communication will not create an attorney-client relationship with us. Do not send us any information that you or anyone else considers to be confidential or secret unless we have first agreed to be your lawyers in that matter. Any information you send us before we agree to be your lawyers cannot be protected from disclosure.

    Data Sharing

    We may share Personal Information among our member attorneys for purposes of responding to your requests or otherwise as necessary for the purposes described above. We may also in limited circumstances share Personal Information with government authorities or others as required to protect the interests of the firm or others, as necessary in connection with the sale or transfer of all or a portion of the business, or as required by applicable law or court order.

    International Data Transfers

    This Web Site is hosted on a web server in the United States. If you are located in a non-US jurisdiction, your provision of Personal Information or other access to our Web Site constitutes your transfer of such data to the United States, a jurisdiction that may not provide a level of data protection equivalent to the laws in your home country.

    Security Measures

    Milvidskiy Law Group P.C. maintains appropriate technical and organizational security measures to protect the security of your Personal Information against the loss, misuse, unauthorized access, disclosure or alteration.

    Links to Other Web Sites

    The privacy practices set forth in this Privacy Statement are for our web site only. This web site may contain links to other sites. Milvidskiy Law Group P.C. is not responsible for the privacy practices or the content of such sites. If you link to or otherwise visit any other site, please review the privacy policies posted at that site.

    Cookies and Passive Tracking

    A “cookie” is an element of data that can be sent to your browser. Your browser may then store it on your system based on the preferences you have set on your browser. Cookies gather information about your operating system including, but not limited to, browser type, and Internet Protocol (IP) address. The Web Site uses this information to analyze the traffic on our web site, and better serve you when you return to our web site. It is not our intention to use such information to personally identify a user. You have the option to configure your Internet browser to notify you when you receive a cookie, giving you the chance to decide whether to accept it. Further, you have the option to block all cookies. Please note, however, that if you refuse or otherwise block cookies you may not be able to use all of the functionality available on the web site.

    Access and Correction

    If you wish to access or update the Personal Information you submit through our web site, or to make any inquiries about the processing of such information, please contact us as described below. We provide individuals with access to their Personal Information where we believe appropriate, including in situations where you are entitled to access and review your Personal Information under applicable data protection and privacy laws.

    Google ReCaptcha Spam Protection

    This site is protected by reCAPTCHA and the Google.
    Privacy Policy and
    Terms of Serice apply.

    Revisions to this Privacy Statement

    Milvidskiy Law Group P.C. reserves the right to change this Privacy Policy from time to time. Please check the Privacy Statement frequently and particularly before you submit additional personal information via the Web Site. All revisions to this Privacy Statement will be posted on the web site via a link from the homepage. We also display the effective date of the Privacy Statement on the top of this page.

    Close

    Disclaimer

    Attorney Advertising. The information presented on this website is for informational purposes only and should not be construed as a legal advice. Viewing of, responding to, or otherwise transmitting the information on this website is not intended to create, and receipt of the same does not constitute, an attorney-client relationship. The information provided on this website should not be relied upon without first seeking professional legal counsel. The information on this website is provided only as general information which may or may not reflect the most current developments of law. Prior results and cases discussed on this website do not imply and do not guarantee a similar outcome in any other case. The links to other websites contained herein do not constitute a referral or endorsement of any kind.
    Close
    Sign up for our newsletter to be updated on all the latest news in Elder Law and Estate Planning.

      Every plan starts with a conversation. Tell us a little about your situation, and our Client Services Coordinator will reach out to help you schedule your consultation.

        This site is protected by reCAPTCHA and the Google.
        Privacy Policy and Terms of Service apply.

        Open chat Call us Close chat
        Start a conversation
        Team member Team member Team member
        Contact us to protect what matters most to you and your loved ones