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NJ WorkAbility offers people with disabilities who are working, and whose income would otherwise make them ineligible for Medicaid, the opportunity to receive full Medicaid coverage.



Eligibility Criteria

  • Age 16-64
  • Working full or part-time with proof of employment
  • Determined as disabled by the Social Security Administration OR the Disability Review Team at the Division of Medical Assistance & Health Services
  • Income and asset eligibility as described below 

Total Earned Income Potential

Includes but is not limited to: wages, self-employment earnings, workers’ compensation, paid sick leave, private or state temporary disability plan benefits or commissions. 

  • If you have no unearned income:
    • Individual gross earned income may not exceed $65,196 per year/$5,433 per month.
    • An eligible couple’s gross earned income may not exceed $87,900 per year/$7,325 per month.
  • If you have unearned income (for example, in addition to your wages you also receive alimony), the maximum earned income threshold will vary.

Unearned Income Threshold

Includes but is not limited to: alimony, Social Security Survivors’ Benefits through a parent or spouse’s work history, unemployment, interest, investments, or trust payments.
Note: Social Security Disability and Railroad Retirement System benefits an individual receives through his/her own SSA work history are disregarded.

  • An individual’s unearned income may not exceed $1,074 per month.
  • An eligible couple’s unearned income may not exceed $1,452 per month.

Asset Threshold:

Assets do not include primary home, a car used for work or medical transportation, or 401K/IRA retirement accounts.

  • $20,000 for an eligible individual
  • $30,000 for an eligible couple

Important Note: Portions of both earned and unearned income are not counted when determining eligibility for Workability.  Please apply for a full eligibility determination using the NJ FamilyCare Aged, Blind, Disabled Programs Application.


Speak with one of our highly trained Information and Referral Specialists at 1-888-285-3036. We can review your potential for eligibility, answer any questions you may have, and provide guidance on whether or not NJ WorkAbility can work for you.  


To apply, please visit:

The NJ FamilyCare Aged, Blind, Disabled Programs


Disability Benefits 101


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