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Medicaid Planning · New Jersey

New Jersey Long-term-care Medicaid eligibility

Long-term-care Medicaid eligibility rules for New Jersey.

Published: September 4, 2026. Last checked: September 2, 2026.

Income limits

Institutional and MLTSS income limit

$2,982 per month

Applies to the applicant under the institutional long-term care pathway for institutional long-term care and Managed Long Term Services and Supports. This is a cap. Details: single applicant; approved income-trust rules may apply above the cap.

Source: New Jersey DMAHS Medicaid Communication 26-03 [state-medicaid-agency] — Income, resource, CSRA, and home-equity standards effective January 1, 2026

Asset limits

Institutional applicant resource limit

$2,000

Applies to the applicant under the institutional long-term care pathway for institutional long-term care and MLTSS. This is a cap. Details: single institutional applicant.

Source: New Jersey DMAHS Medicaid Communication 26-03 [state-medicaid-agency] — Income, resource, CSRA, and home-equity standards effective January 1, 2026

Community spouse resource allowance (CSRA)

Community-spouse resource allowance

$32,532 minimum to $162,660 maximum

Applies to the community spouse under the spousal impoverishment pathway for institutional long-term care and MLTSS. This is a range. Details: institutionalized applicant with a community spouse; actual allowance depends on assessed resources and adjustments.

Source: New Jersey DMAHS Medicaid Communication 26-03 [state-medicaid-agency] — Income, resource, CSRA, and home-equity standards effective January 1, 2026 Additional authority: New Jersey DMAHS Medicaid Communication 26-05 [state-medicaid-agency] — Basic community-spouse deduction and shelter threshold effective July 1, 2026

Monthly maintenance needs allowance (MMMNA)

Basic community-spouse maintenance deduction

$2,705 per month

Applies to the community spouse under the spousal impoverishment pathway for institutional long-term care and MLTSS. This is an allowance. Details: institutionalized applicant with a community spouse; $811.50 shelter threshold and $878 utility allowance are separate calculation inputs.

Source: New Jersey DMAHS Medicaid Communication 26-05 [state-medicaid-agency] — Basic community-spouse deduction and shelter threshold effective July 1, 2026

Home-equity limits

Home-equity limit

$1,130,000

Applies to the applicant under the institutional long-term care pathway for long-term-care services. This is a cap. Details: applicant subject to New Jersey's substantial-home-equity rule.

Source: New Jersey DMAHS Medicaid Communication 26-03 [state-medicaid-agency] — Income, resource, CSRA, and home-equity standards effective January 1, 2026 Additional authority: New Jersey DMAHS Medicaid Communication 26-05 [state-medicaid-agency] — Basic community-spouse deduction and shelter threshold effective July 1, 2026

Sources

Methodology & sources

Checked at least annually and whenever the state or CMS publishes new long-term-care eligibility figures.

General information, not legal advice.