How to apply for NJ WorkAbility — Medicaid for Working People with Disabilities in New Jersey

Who it's for

NJ WorkAbility gives full Medicaid coverage to people with a disability who work, even if their income or savings are too high for regular Medicaid. There is no income limit and no asset limit, and a spouse's income is not counted. You must be at least 16, live in New Jersey, have a job (full or part time), and have been found disabled by Social Security or the state before age 65. People who keep working after 65 can stay eligible if their disability was found before 65. If your countable income is above 250% of the federal poverty level, you pay a monthly premium, from $203 up to $1,218 in 2026. Apply with the NJ FamilyCare Aged, Blind, Disabled application, online or at your county social services office. Questions: call 1-888-285-3036.

What you'll need

• Proof of employment (pay stubs or proof of self-employment)
• Proof of disability from Social Security or the State of New Jersey
• Proof of New Jersey residency
• Proof of income

Where to apply

What to say when you call

"Hello, I'm calling to ask about NJ WorkAbility — Medicaid for Working People with Disabilities. I'd like to know whether I may qualify, what documents I need, and whether I can apply online, by mail, by phone, or in person. I understand I may need proof of employment (pay stubs or proof of self-employment), proof of disability from Social Security or the State of New Jersey, proof of New Jersey residency — is anything else required? What is the best next step?"

Tip: have a pen ready, ask for the person's name, and write down any case or reference number they give you.

Renewals

annual