Put everything in one place. See where you stand. Hand your attorney a clean packet.
This is an estimate, not legal advice.
It organizes your information and does arithmetic against New Jersey's published 2026
Medicaid figures. It does not file anything, and it will never tell you what to do with an
asset — in New Jersey that is the practice of law. Every result here is meant to be
reviewed by a licensed New Jersey elder law attorney.
Your information never leaves this device.
Everything you type is stored only in this browser. There is no account, no server, and
nothing is transmitted. Clearing your browser data erases it. Never enter a bank
username or password anywhere — this site does not ask for one, and no legitimate site
will.
Who is applying?
Only what the estimate actually needs.
We do not ask for a Social Security number. The estimate does not need one,
and collecting it would only create risk. The application itself will need the card — track
that on the Documents step.
Questions the application asks
This single checkbox is what routes an application to MLTSS. There is no
separate long-term care application in New Jersey — answering "yes" to this question on the
standard form is what triggers it. You do not need to live in a nursing home to
qualify.
A prior application matters more than it looks: on a reapplication the
look-back runs from the first application date, so the window can be
longer than five years.
Living arrangement
The form lets you check more than one — someone can own a home
and be living in a facility at the same time, and both matter.
Anyone else living in the household
The form asks for name, date of birth, and relationship for each.
Marital status
Because one spouse stays in the community, the Community Spouse Resource
Allowance applies — the spouse at home may keep half the couple's countable assets,
between $32,532 and $162,660.
Military service
VA Aid & Attendance is a separate benefit from Medicaid and has its own
rules. Worth raising with your attorney if either box is checked.
Monthly income
Gross monthly amounts, before deductions. New Jersey's 2026 cap is
$2,982/month for a single applicant.
Total monthly income: $0.00
Qualified Income Trust
The applicant's income is over New Jersey's cap, so a QIT will be needed.
It does not disqualify anyone — New Jersey is an income-cap state and this is the standard
route. An attorney must draft the trust. What follows is only the
information you will be asked to supply, gathered in one place.
Two mechanics catch almost everyone out. 1. The trust takes whole income sources, not part-amounts. A $1,000 Social
Security check cannot be split $500 in and $500 out — the entire check goes in or stays
out. You choose which sources; each chosen one goes in at 100%.
2. Each month's income must be deposited within that same calendar month.
A late deposit cannot be fixed afterwards, because by then the money counts as a resource
rather than income, and resources may not be put into a QIT. Benefits are lost for any
month not properly funded.
Which income sources will run through the trust?
Tick whole sources until what remains outside is at or below the cap.
Remaining outside the trust: $0.00
· cap $0.00
Trust details
This tool does not ask for the trust's account or routing number — same
reason it does not ask for a Social Security number. Write those directly on the trust
document and Schedule A. Note also that a QIT uses the beneficiary's own Social
Security number, never an EIN: it is a grantor trust, and the IRS instructs that
no EIN be assigned.
A QIT does nothing for the asset test. Someone with more than $2,000 in
countable resources is still ineligible; the trust only addresses income. Also: the
trustee may not be the applicant, and the State must be named remainder beneficiary in
first position.
Household expenses
These matter for one reason, and it is a big one: they decide how much of the
applicant's income the spouse at home is allowed to keep instead of paying
it to the facility.
This section only applies when one spouse enters care and the other stays home.
Set marital status to Married on step 1, with the spouse not also applying,
and these figures will start counting.
Shelter costs for the spouse at home
New Jersey allows exactly these and nothing else (N.J.A.C. 10:71-5.7(c)1),
for the principal residence only. Monthly figures.
Utilities
New Jersey uses a fixed standard allowance and actual utility bills
may never be substituted — so do not enter your bills, just pick the situation.
Exactly one applies.
Dependent family members living with the spouse at home
Children under 21; children 21+ claimed as tax dependents; parents or
siblings of either spouse claimed as tax dependents. Each gets its own allowance of
($2,705 − their gross income) ÷ 3. They must live with the spouse at home.
Health insurance premiums the applicant pays
Deducted from the applicant's income before the facility is paid
(N.J.A.C. 10:71-5.7(i)). Monthly figures.
If the State pays it, it is not deductible — the deduction is only for
expenses "not subject to payment by a third party." If you are unsure, leave it unchecked
and ask the county.
Spouse at home may keep: $0.00
Assets
Add every account and every asset. For a bank with several accounts, add the
bank once per account — name the bank each time, then the account.
Countable: $0.00 ·
Exempt: $0.00
The 60-month look-back
New Jersey examines every gift, transfer, and below-market sale in the
five years before the application. Money given to family counts — this is
what surprises people most.
Be complete here even if it looks bad. An undisclosed transfer found by the county is far
worse than a disclosed one your attorney can plan around. Some transfers are exempt.
Total disclosed: $0.00
Bank statement coverage
New Jersey wants one statement per quarter — 20 per account
over five years — for every account owned or co-owned, open or closed. It
can ask for all 60 months if the quarterly statements show a lot of activity. This grid
shows exactly which ones are still missing, so you are chasing a short list.
No app can fetch five years of statements for you — including this one.
Every bank-connection service on the market tops out at about 24 months, and none of them can
reach an account that has been closed. Your bank, however, usually keeps about
seven years of statements available to download yourself. That is the path
that actually works, and this page tracks it.
Quarters covered: 0 of 0
Legal matters and health insurance
Section 10 of the application asks all of this. It gets skipped more than any
other part, and it is a common cause of coverage being taken away retroactively.
Money that has not arrived yet still counts. A pending lawsuit, an
inheritance, an accident settlement, or a loan someone owes the applicant are all
resources. If one lands after approval and was never disclosed, New Jersey can go back and
undo eligibility for the months already paid.
Pending claims and money owed
That last one matters in the applicant's favour — New Jersey can cover bills
from up to three months before the application date.
Attorney
Medicare
The form asks about each part separately — whether enrolled, since when,
whether the applicant pays the premium, and how much.
Other coverage
A Partnership policy is worth identifying — it lets the applicant protect
additional assets beyond the normal limit. Ask the attorney about it if this is checked.
Managed care plan
MLTSS is delivered through a managed care organization, and the application
asks the applicant to pick one. All of them cover every county except where noted.
This list comes from the September 2025 application. Some New Jersey web pages
still show the older names "Amerigroup" and "WellCare" — the form is newer, so use it.
Who is helping with this application
The Designation of Authorized Representative form needs two witnesses and
has seven separate boxes to initial. Only one Authorized Representative is
allowed per applicant, and once designated, all notices go only to them —
not to the applicant.
Document checklist
What the county will ask for. Check what you have and note where it is.
Located: 0 of 0
Where things stand
The Excel packet contains every entry, the classification of each asset, the
arithmetic, and the disclaimer — formatted so an attorney can work from it directly.