Governor Mikie Sherrill • Lt. Governor Dr. Dale G. Caldwell

Disability Information Hub

Savings and Discount Programs

There are many programs available to help low-income older adults and individuals with disabilities save money.

The online NJSAVE application can screen and enroll you for a number of programs that help individuals with disabilities and low-income seniors save on prescription drugs, Medicare premiums, hearing aids, utility bills, and other expenses.

To get started, visit the NJSAVE application and answer a few basic questions to see if you qualify.

In addition, you can apply for NJ ABLE, a savings account with tax advantages that helps individuals with disabilities pay for many daily, disability-related expenses without losing eligibility for assistance programs, like SSI and Medicaid. Some individuals may also be able to establish Special Needs Trusts or Qualified Income Trusts to hold funds in ways that do not jeopardize their eligibility for needs-based benefits.

See below for more information about each program, eligibility requirements, and how to apply.

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NJSAVE

NJSAVE helps individuals with disabilities and low-income seniors enroll in programs that save money on prescription drugs, Medicare premiums, hearing aids, utility bills, and other expenses.

With one application, you will be screened for and, if eligible, enrolled in several programs, including:

The application will also screen you for several other assistance programs, and if you qualify, your information will be forwarded for enrollment. These programs include:

Individuals who qualify for PAAD and Lifeline Utility Assistance through NJSave may also be eligible for:

To get started, visit the NJSAVE application and answer a few basic questions to see if you qualify. Or you can print out a paper application.

If you have questions, call 1-800-792-9745. You can also watch this video tutorial with step-by-step instructions for how to fill out the online application, or you can read these detailed written instructions.

For the paper application, you can follow these detailed written instructions.

 

NJ ABLE

With NJ ABLE, individuals with disabilities can open a savings account to pay for many daily, disability-related expenses without losing eligibility for assistance programs, like SSI and Medicaid.

You may be eligible if:

  • Your disability was present before the age of 26 

and at least one of the following applies:

  • You experience legal blindness as determined by the Social Security Act
  • You have self-certified your disability status and history with an official disability

NJ ABLE accounts help you save more with special tax advantages. The earnings on your investments are federally tax-deferred and tax-free if used for qualified disability expenses. That helps your savings compound, earning returns on your returns.

Qualified disability expenses are any expenses incurred as a result of living with a disability and are intended to improve your quality of life, such as:

  • Assistive technology
  • Basic living expenses
  • Education
  • Health and wellness
  • Housing
  • Transportation
  • Legal fees
  • Employment training and support
  • Personal support services

Learn more about NJ ABLE or apply online to open an account in 15 minutes.

If you have questions, call 1-888-609-8869, Monday through Friday, 8 a.m. to 5 p.m.

 

Special Needs Trusts and Qualified Income Trusts

Special Needs Trusts and Qualified Income Trusts (or Miller Trusts) are two types of trusts that can preserve an individual’s eligibility for needs-based government programs.

Learn how to meet the requirements to establish a Special Needs Trust.

Learn more about the conditions required for individuals in need of an institutional level of care to establish Qualified Income Trusts.

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MVC Vehicle Registration Discounts (PAAD, SSI, and Lifeline)

Helps eligible individuals save on vehicle registration fees.

The Basics

You may qualify for discounted vehicle registration fees through the New Jersey Motor Vehicle Commission (MVC) if your vehicle is registered to you and you receive certain assistance programs.

This discount applies to passenger vehicles and non-commercial trucks only.

Who Is Eligible?

You may be eligible if you receive one of the following programs:

To Apply

To claim the registration discount, you must present one of the following at the time of vehicle registration:

  • A copy of your current PAAD card
  • A copy of your SSI card
  • Proof of Lifeline eligibility

The card or documentation must be in the name of the vehicle owner.

Lifeline recipients:

You can request a letter verifying your eligibility by calling the Division of Aging Services at 1-800-792-9745.
This letter must be presented when you register your vehicle.

More Information

For additional details, visit the New Jersey Motor Vehicle Commission (MVC). 

Commercial Vehicles:

If you are looking for information about commercial vehicle registration fees, click here.

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