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The NJ WorkAbility program offers full Medicaid coverage to working disabled individuals whose income or assets would otherwise make them ineligible. As of February 1, 2024, NJ WorkAbility:
NJ WorkAbility Premium Chart 2024
| Tier Levels | Countable Income - % of Federal Poverty Level | Countable Annual Income | Equivalent Annual Earned Income, if no Unearned Income | Monthly Premium Amount |
| None | 250% | $37,650 | $76,332 | None |
| Tier 1 | 251 – 350% | >$37,650 – $52,710 | >$76,332 – $106,452 | $175 |
| Tier 2 | 351 – 450% | >$52,710 – $67,770 | >$106,452 – $136,572 | $350 |
| Tier 3 | 451 – 550% | >$67,770 – $82,830 | >$136,572 – $166,692 | $525 |
| Tier 4 | 551 – 650% | >$82,830 – $97,890 | >$166,692 – $196,812 | $700 |
| Tier 5 | 651 – 750% | >$97,890 – $112,950 | >$196,812 – $226,932 | $875 |
| Tier 6 | >750% | >$112,950 | >$226,932 | $1050 |
Important Note: Portions of both earned and unearned income are not counted for the NJ WorkAbility program. Because everyone’s situation is different, the only way to know for sure where they fall in the premium chart is to apply for a full eligibility determination using the NJ FamilyCare Aged, Blind, Disabled Programs Application.
In order to qualify for NJ WorkAbility, current and prospective Medicaid members must:
People with countable income over 250% of the Federal Poverty Level must agree to pay a premium.
Unearned income includes but is not limited to: alimony, Social Security benefits, unemployment, workers’ compensation, private or state temporary disability plan benefits, interest, investments, or trust payments.
Earned income includes but is not limited to: wages, self-employment earnings, paid sick leave, or commissions.
People with no unearned income may have to pay a premium if their gross earned income is more than $76,332 per year (2024).
For people who have unearned income (for example, in addition to wages they also receive alimony), the maximum earned income threshold to determine any premium payment will vary.
Visit the DHS Division of Medical Assistance & Health Services NJ FamilyCare Aged, Blind, Disabled Programs page for more information and to find ways to apply. Apply online or in-person at the county office.
Speak with one of our highly trained Community Resource Specialists at 1-888-285-3036. We can answer any questions and provide guidance.
Visit the DHS Division of Medical Assistance & Health Services NJ FamilyCare Aged, Blind, Disabled Programs page for more information and to find ways to apply. Apply online or in-person at the county office.
Speak with one of our highly trained Community Resource Specialists at 1-888-285-3036. We can answer any questions and provide guidance.
