Governor Phil Murphy • Lt. Governor Tahesha Way

Disability Information Hub

There are many programs available to help low-income older adults and individuals with disabilities save money.

The online NJSAVE application can screen and enroll you for a number of programs that help individuals with disabilities and low-income seniors save on prescription drugs, Medicare premiums, hearing aids, utility bills, and other expenses.

To get started, visit the NJSAVE application and answer a few basic questions to see if you qualify.

In addition, you can apply for NJ ABLE, a savings account with tax advantages that helps individuals with disabilities pay for many daily, disability-related expenses without losing eligibility for assistance programs, like SSI and Medicaid. Some individuals may also be able to establish Special Needs Trusts or Qualified Income Trusts to hold funds in ways that do not jeopardize their eligibility for needs-based benefits.

See below for more information about each program, eligibility requirements, and how to apply.

Get Help Now 

  • To apply for a variety of savings and discount programs, visit the NJ SAVE website 
  • To learn more about NJ ABLE accounts, call 888-609-8869 

NJSAVE

NJSAVE helps individuals with disabilities and low-income seniors enroll in programs that save money on prescription drugs, Medicare premiums, hearing aids, utility bills, and other expenses.

With one application, you will be screened for and, if eligible, enrolled in several programs, including:

The application will also screen you for several other assistance programs, and if you qualify, your information will be forwarded on for enrollment. These programs include:

Individuals who qualify for PAAD and Lifeline Utility Assistance through NJSave may also be eligible for:

To get started, visit the NJSAVE application and answer a few basic questions to see if you qualify. Or you can print out a paper application.

If you have questions, call 1-800-792-9745. You can also watch this video tutorial with step by step instructions for how to fill out the online application, or you can read these detailed written instructions.

For the paper application, you can follow these detailed written instructions.

 

NJ ABLE

With NJ ABLE, individuals with disabilities can open a savings account to pay for many daily, disability-related expenses without losing eligibility for assistance programs, like SSI and Medicaid.

You may be eligible if:

  • Your disability was present before the age of 26 

AND at least one of the following applies:

  • You experience legal blindness as determined by the Social Security Act
  • You have self-certified your disability status and history of an official disability

NJ ABLE accounts help you save more with special tax advantages. The earnings on your investments are federally tax-deferred and tax-free if used for qualified disability expenses. That helps your savings compound, earning returns on your returns.

Qualified disability expenses are ANY expenses as a result of living with a disability and are intended to improve your quality of life like:

  • Assistive technology
  • Basic living expenses
  • Education
  • Health and wellness
  • Housing
  • Transportation
  • Legal fees
  • Employment training and support
  • Personal support services

Learn more about NJ ABLE or apply online to open an account in 15 minutes.

If you have questions, call (888) 609-8869, Monday through Friday, 8 am to 5 pm.

 

Special Needs Trusts and Qualified Income Trusts

Special Needs Trusts and Qualified Income Trusts (or Miller Trusts) are two type of trusts that can preserve an individual’s eligibility for needs-based government programs.

Learn how to meet the requirements to establish a Special Needs Trust.

Learn more about the conditions required for individuals in need of institutional level of care to establish Qualified Income Trusts.

people shopping

Back
to top