Updated September 6, 2026. Quick answer: Yes. New Jersey participates in the federal Long-Term Care Partnership Program, using a dollar-for-dollar asset-protection model, under N.J.A.C. 11:4-34 (New Jersey Long-Term Care Partnership Program); N.J. Dept. of Banking and Insurance Bulletin No. 08-08.
How the asset protection works
New Jersey uses a dollar-for-dollar asset-protection model: an amount of Medicaid-countable assets equal to what a qualified Partnership policy actually paid out is protected (disregarded) both when applying for Medicaid and later in Medicaid estate recovery. N.J.A.C. 11:4-34 (New Jersey Long-Term Care Partnership Program); N.J. Dept. of Banking and Insurance Bulletin No. 08-08 is the governing citation.
What the state itself says about moving
New Jersey’s own program materials, as read this session, do not spell out a reciprocity policy in so many words. The federal default (Deficit Reduction Act of 2005) is opt-out, not opt-in: most Partnership states honor each other’s policies unless a state has formally withdrawn. Confirm the current position directly with the Medicaid agency in the state you are moving to or from, in writing, before counting on it.
Which policies qualify
New Jersey’s own materials tie the program to policies issued on or after 2008 (or the date its state plan amendment took effect that year). A long-term care policy bought before that cutoff is not automatically Partnership-qualified in New Jersey even if it otherwise looks similar; the policy’s own rider or outline of coverage should say “Partnership” or “Qualified State Long-Term Care Insurance Partnership” explicitly.
Estate recovery, not just eligibility
The federal rule requires the same protected amount to be disregarded twice: once when New Jersey decides Medicaid eligibility, and again later if New Jersey pursues Medicaid estate recovery against the person’s estate. A Partnership-qualified policy is doing two jobs, not one; see how estate recovery itself works in New Jersey.
A note on sourcing: NJ DOBI bulletin PDFs returned unreadable binary; CMS approval date (Feb 12, 2008) and effective date (July 1, 2008) corroborated by WebSearch indexing of the same nj.gov bulletin.
| Federal Partnership framework itself | 20 years old (in place since February 8, 2006) |
| Federal inflation-protection buyer-age brackets | compound protection required under age 61; some protection required age 61 to age 76 |
| New Jersey’s own cutoff (since 2008) | 18 years old |
| This state’s core mechanism | protects $1 of assets for every $1 the policy pays out |
| State citation | N.J.A.C. 11:4-34 (New Jersey Long-Term Care Partnership Program); N.J. Dept. of Banking and Insurance Bulletin No. 08-08 |
| Federal authority | 42 U.S.C. § 1396p(b), Deficit Reduction Act of 2005 |
| Participates | Yes |
| Confidence | Medium |
For the federal rules behind this state page, see how Partnership reciprocity works when you move states and why inflation protection is a condition of staying Partnership-qualified.
Every citation on this page was read directly from the state’s own Insurance Department, Medicaid agency, statute, or administrative code this session (or, where that site could not be reached, from an independently cross-checked legal-database mirror of the same codified text, disclosed below). General information, not insurance, legal, or tax advice on any specific policy or application; program rules and reciprocity agreements can change, and your state’s Insurance Department or Medicaid agency has the final say.