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Recently enacted legislation (Senate Bill 3455 P.L. 2021, c 344) will expand eligibility for Workability to more individuals. More information will be available soon!

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 Medical 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 $68,748 per year/$5,729 per month.
    • An eligible couple’s gross earned income may not exceed $92,340 per year/$7,695 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 benefits received based on a parent or spouse’s work history (includes both Social Security Disability Insurance (SSDI) and Survivors’ benefits), unemployment, interest, investments, or trust payments. Note: SSDI and Railroad Retirement System benefits received based on the individual’s own work history are disregarded.

  • An individual’s unearned income may not exceed $1,133 per month.
  • An eligible couple’s unearned income may not exceed $1,526 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

COMING SOON!  Access to forms needed to complete your application for WorkAbility and Aged, Blind, Disabled Programs will be available here!


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