NJ DDD & Medicaid Navigator
Need help now?General information only. Do not submit personal, medical, confidential, protected health, or HIPAA-regulated information through this platform. This platform is for provider discovery and informational purposes only. Inquiries are for general service information only. If you currently receive DDD or Medicaid waiver services, contact your Support Coordinator for case-specific questions.
Money that lasts
Financial planning without losing benefits
Medicaid and SSI cap countable assets at $2,000. Two legal tools let NJ families save far more without losing DDD services: NJ ABLE accounts and Special Needs Trusts.
NJ ABLE Account
A tax-advantaged savings account for people whose disability started before age 26 (rising to 46 in 2026). Save up to $18,000/year. First $100,000 doesn't count against SSI. Owned by the individual. Use for housing, transportation, health, education, assistive tech.
Open a NJ ABLE account (opens in a new tab) →Special Needs Trust (SNT)
A legal trust that holds unlimited assets for the beneficiary without disqualifying them from Medicaid or SSI.
- Third-party SNT: funded by parents/relatives. No Medicaid payback at death.
- First-party SNT: funded by the individual's own money. Medicaid payback required.
Requires a NJ attorney to draft.
Income benefits at a glance
SSI
Monthly cash for people with disabilities and limited income/assets. Apply at 18 based on the individual's own income.
SSDI / DAC
Based on work history: the individual's, or a parent's if the disability began before 22 (Disabled Adult Child).
NJ WorkAbility
Lets people with disabilities work and keep Medicaid at income levels well above the standard limit.
Section 8 / DDD Supportive Housing
Rental subsidies for people with disabilities. Long waitlists, so apply early.