Medicaid, a national and state-funded system of health care, provides health coverage and services for low-income Americans of any age. In New Jersey, Medicaid is overseen by the Medical Assistance and Health Services division of the NJ Department of Human Services, and it’s administered through NJ FamilyCare Aged Blind and Disabled Programs.
Seniors who wish to receive Medicaid must meet certain eligibility requirements. In addition to being a U.S. citizen and New Jersey resident, single applicants must show a monthly income of $1,041 or less and assets of $4,000 or less. Medicaid considers all sources of income, including wages, bank accounts, cash, investments, pensions and SSI. For married couples with one spouse applying, the only income considered is that of the applicant. According to the American Council on Aging, nonapplicant spouses are entitled to monthly incomes ranging from $2,057.50 to $3,160.50 to ensure sufficient income on which to live.
In addition to all sources of income, investments and any real estate other than the applicant’s primary residence are considered assets. Personal belongings, such as jewelry, household furnishings, an automobile and burial trusts, are exempt.
If seniors are eligible for Supplemental Security Income, they automatically qualify for the Aged, Blind and Disabled program. Monthly income limits for SSI are lower than requirements for Medicaid, at $781.25 for individuals and $1,150.36 for couples, with assets at $2,000 for an individual and $3,000 for couples.
Long Term Care Services and Supports
For seniors wishing to live within their communities in assisted living or within their homes, LTSS may be available. Income and asset limits are slightly higher for individuals seeking LTSS, at $2,250 and $2,000. Evaluations for eligibility are administered through two agencies: The local County Welfare Agency conducts the financial review, and the Division of Aging Services conducts the clinical assessment. Applicants must require assistance with at least three or more activities of daily living, such as bathing, grooming and dressing.
For more information about New Jersey Medicaid or LTSS, visit the NJ FamilyCare Aged Blind and Disabled Programs page to complete an application online or call (800) 356-1561. Applications may also be printed and brought to the local Essex County Welfare Agency.