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New jersey disability benefits

How to Qualify for Disability Benefits in New Jersey

Written by
Jackie Jakab, Disability Attorney
Jackie Jakab
Lead Attorney
Published June 20, 2024
2 min read
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Atticus offers free, high-quality disability advice for Americans who can't work. Our team of Stanford and Harvard-trained lawyers has a combined 15+ years of legal experience and has helped over 50,000 Americans apply for disability benefits.

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About 200,000 New Jersey residents receive federal and state disability benefits. New Jersey is one of a handful of states to have a state-based disability benefits program, which can provide medical and financial stability during difficult times. 

The application process can be pretty confusing, but don’t let that discourage you from taking the necessary steps to get the help you need. Read on to learn about how to qualify for federal disability benefits and where to get help applying for benefits. 


What conditions qualify for disability in New Jersey?

According to the Social Security Administration, New Jersey residents who currently receive disability benefit checks and healthcare coverage have the following medical conditions

  • Mental health conditions: 34.8%

  • Musculoskeletal disorders: 29.6%

  • Neurological (nervous system) disorders: 10.4%

  • Cardiovascular (circulatory system) disorders: 6.8%

  • Cancers (neoplasms): 3.6%

  • Injuries: 3.3%

The most common mental health disorders among New Jersey recipients are: 

  • Depression, bipolar disorder, and related disorders: 23,538 people

  • Intellectual disorders: 17,345 people

  • Schizophrenia and other psychotic disorders: 11,506 people

Many conditions are eligible for disability benefits. See what you qualify for instantly.

How to qualify for SSDI in NJ

The SSA administers two federal disability benefits programs: Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). Both have the same medical criteria; however, there are some key differences when it comes to the technical criteria. 

The Social Security Disability Insurance provides monthly disability checks and Medicare coverage to people who’ve worked for at least five of the last 10 years but can’t continue working due to a medical condition. 

The SSA determines your eligibility based on your income during your working years and how much you’ve paid in taxes. 

In 2024, the average SSDI payment in New Jersey is $1,947.46. The maximum SSDI monthly payment is $3,822 a month.


How to qualify for SSI in NJ

Supplemental Security Income (SSI) is ideal for those who may not meet SSDI’s work history requirements. The needs-based federal government program provides people who have a disability and limited assets with monthly benefit checks and Medicaid coverage. 

To meet the requirements for SSI, you must currently have less than $2,000 in assets and make about $900 in countable income. If you’re married, you must have less than $3,000 in assets and $1,415 in countable income. 

In 2024, the maximum monthly payment for SSI is $943, though it can be slightly higher in New Jersey. On average, New Jersey SSI recipients get monthly benefits payments of $575.60.


SSA offices in New Jersey

Brick

2620 Yorktowne Blvd 

Brick, NJ 08723

Hours: Monday - Friday 9:00AM - 4:00PM

Phone Number: (877) 405-5870

Fax Number: (833) 950-3595

Bridgeton

149 West Brd St 

Bridgeton, NJ 08302

Hours: Monday - Friday 9:00AM - 4:00PM

Phone Number: (866) 837-1235

Fax Number: (833) 950-2990

Bridgewater

245 Us Hwy 22 West Suite 207 

Bridgewater, NJ 08807

Hours: Monday - Friday 9:00AM - 4:00PM

Phone Number: (866) 446-6198

Fax Number: (833) 950-3264

Cherry Hill

6 Executive Campus Suite 200 

Cherry Hill, NJ 08002

Hours: Monday - Friday 9:00AM - 4:00PM

Phone Number: (866) 931-2879

Fax Number: (833) 950-2974

Clifton

935 Allwood Rd 

Clifton, NJ 07012

Hours: Monday - Friday 9:00AM - 4:00PM

Phone Number: (866) 964-0170

Fax Number: (833) 346-7157

East Orange

7 Glenwood Ave Ste 100 

East Orange, NJ 07017

Hours: Monday - Friday 9:00AM - 4:00PM

Phone Number: (866) 964-0030

Fax Number: (833) 950-3311

Egg Harbor Twp

1350 Doughty Rd

Egg Harbor Twp, NJ 08234

Hours: Monday - Friday 9:00AM - 4:00PM

Phone Number: (877) 714-0394

Fax Number: (833) 950-2986

Glassboro

830 Delsea Dr North 

Glassboro, NJ 08028

Hours: Monday - Friday 9:00AM - 4:00PM

Phone Number: (866) 883-5305

Fax Number: (833) 950-2668

See all SSA offices in New Jersey


5 benefits of working with a disability lawyer

Having legal representation can triple your chances of getting approved for disability benefits. A Social Security disability lawyer knows the ins and outs of the disability process—from the initial application to the court hearing—and they’ll successfully guide you along the way. 

Here are the advantages of working with a disability lawyer: 

  1. They’ll be honest with you. The disability application process is lengthy. It’s best to know from the start if your case has a chance of winning before applying. During your free consultation, a disability lawyer will learn about you and your condition and determine if SSA or a judge will deny your case based on specific requirements. 

  2. They can help you submit your application. More than 80% of disability applicants are initially denied. This is, in part, because applicants skip over questions they may not understand. A lawyer will work with you to ensure you accurately answer all the questions and build a stronger case. 

  3. They can obtain your medical records. Having access to your medical evidence can increase your chances of getting approved for disability benefits. A disability lawyer can request your records from your healthcare providers. They will also ensure the judge receives the documents before your court hearing. 

  4. They can file your appeal. If you receive a denial on your disability benefits claim, you have the right to appeal the SSA’s decision within the first 60 days. A lawyer will promptly file your appeal and update you on hearing information. 

  5. They can prepare you for the appeal hearing. The thought of representing yourself in court may feel intimidating. However, you don’t have to do it alone. A disability lawyer can represent you in court. They can also prepare you for potential questions a judge may ask regarding your medical conditions and reasons for seeking disability benefits.

Match with a top disability lawyer in New Jersey

Get help applying for benefits in New Jersey

Take our two-minute disability benefits quiz, and we’ll help you find an expert disability attorney who can help you get approved for disability benefits. The best part is that once you’re matched with a lawyer, you won’t have to pay anything until after you win your disability case. 

Frequently asked questions about disability in New Jersey

How do I qualify for disability in New Jersey?

To qualify for disability you need to have a condition that prevents you from working for at least a year. You’ll also need to meet certain work history requirements (for SSDI) or be within certain income limits (for SSI). For more on these requirements, read our full write up here.

What conditions qualify for disability in New Jersey?

Any condition that will prevent you from working for a year or more can qualify for disability benefits. Some of the most common conditions include musculoskeletal disorders, mental disorders, nervous system diseases, and circulatory system diseases. See our full list of conditions that qualify here.

How long does it take to get approved for disability in New Jersey?

It takes an average of 6.1 months to get an initial disability decision in New Jersey. Most people who apply are initially rejected, and need to appeal this decision. If you appeal and go to a hearing, the process takes around two years on average. Read more: How Long It Takes to Get Approved for Disability Benefits

How much does disability pay in New Jersey?

The average SSDI payment in New Jersey is $1,505.33 per month. The average SSI payment is $631.99 per month. What you’ll earn depends on your income, or the amount you’ve historically paid into the Social Security program. Read more on what amount you can expect.

How should I prepare my disability application in New Jersey?

Answer the application questions truthfully, consistently, and succinctly. You should also ensure that you gather and submit all your medical records with your application. The SSA paperwork can be complicated, so our legal team has written a full guide to the application here.

Does New Jersey have a state disability program?

Yes, New Jersey is one of the five states with its own state disability program. Residents can apply for Temporary Disability Insurance, which offers payments for up to 26 weeks. Work injuries aren’t covered, though. If your injury will keep you out of work longer, you can still apply for SSDI and SSI. Read more about the difference between SSDI and SSI here.

Related resources:

New Jersey Disability Benefits

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By Jackie Jakab

SSA Offices in New Jersey

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By Jackie Jakab

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Jackie Jakab, Disability Attorney

Jackie Jakab

Lead Attorney

Jackie Jakab is Atticus’s Legal Director. She’s a licensed attorney, a graduate of the University of Chicago Law School, and has counseled thousands of people seeking disability benefits.
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