Savings for Individuals with Disabilities

HNWPublic Benefits Law for Special Needs and Disabled Persons

Disability BenefitsOne of the most frequent questions I get from a family with a family member with a disability is, can they have savings, and receive Medicaid?

The answer is it depends. If your family member with a disability was disabled before the age of 26, they may be eligible to open an ABLE account. An ABLE account is special kind of tax deferred savings account that only someone with a disability may open. For information about ABLE, click here.

If your family member has a disability, and they are working, they may be eligible for a program called Ticket to Work, or a program called Workability.  Ticket to Work is a Social Security Administration program.  Workability is a New Jersey program. They are both programs which allow an individual with a disability to work, and save money, and keep their Medicaid. Under New Jersey’s Workability program, a person with a disability can have up to $20,000 in available resources (like a savings account) and keep their Medicaid.  If you have questions about Workability or Ticket to Work, contact Fredrick P. Niemann, Esq. toll-free at (855) 376-5291 or email him at  Please ask us about our video conferencing or telephone consultations if you are unable to come to our office.

Written by Nicole C. Tomlin, Esq. of Hanlon Niemann & Wright

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