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New Jersey Medicaid's Global Options (GO) for Long-Term Care Waiver
What are Medicaid Waivers?
Medicaid pays for long term care services in nursing homes. For nursing home qualified persons that choose to live at home or in a residential community, Medicaid will pay for those services if they can be obtained at a lower cost. These are called Home and Community Based Services, Waiver Funded Services, Medicaid Waivers or simply Waivers.
Global Options for Long-Term Care Waiver Overview
This Medicaid waiver offers home care and assisted living services to persons clinically qualified for nursing home care. Participants, while eligible for nursing home care, must choose to remain living at home or in the community and receive care services in those locations.
The GO waiver was created in 2009 as a consolidation of 3 other New Jersey Medicaid Waivers.
-Assisted Living/Adult Family Care (AL/AFC)
-Caregiver Assistance Program (CAP)
-Community Care Program for the Elderly and Disabled (CCPED)
The GO waiver offers a consumer or participant direction option that enables participants to self-direct some of their care. This means they can hire the individuals or agencies they desired to provide them with care services. Among those who can be hired as paid caregivers are family members such as the adult children of aging parents. All care providers must be approved by the state.
The GO waiver was created in 2009 as a consolidation of 3 other New Jersey Medicaid Waivers.
-Assisted Living/Adult Family Care (AL/AFC)
-Caregiver Assistance Program (CAP)
-Community Care Program for the Elderly and Disabled (CCPED)
The GO waiver offers a consumer or participant direction option that enables participants to self-direct some of their care. This means they can hire the individuals or agencies they desired to provide them with care services. Among those who can be hired as paid caregivers are family members such as the adult children of aging parents. All care providers must be approved by the state.
What are the Qualifications for Global Options for Long-Term Care Waiver
In addition to being a minimum of 65 years old and a New Jersey resident, the eligibility guidelines state that seniors must be clinically eligible for nursing home care and financially qualified for Medicaid.
Qualifying for Medicaid in NJ is a complicated process involving a review of a family’s income, assets and asset transfers as far back as 60 months. In 2012, the individual's Medicaid income limit is $2,094 / month. The countable assets limit is $2,000 however the home and primary vehicle are not counted, nor are various other resources. IMPORTANT* Even though, one's income or assets may exceed these limits, most individuals can still qualify for Medicaid.
Many families find themselves in an awkward position where their loved one has enough income and assets that they do not qualify for Medicaid but not enough so that they can afford to pay for their care. Fortunately, there are many exceptions to what is considered income and countable assets. For example, one's car and home can be considered exempt from their countable assets. Income in excess of the limit can be allocated to a pooled income trust thereby enabling the individual to meet the Medicaid limit and qualify for assistance.
Creating a funeral trust is another simple and common technique used to help qualify for Medicaid. Given the expense of funerals and the fact that everyone will eventually require one, it makes sense to allocate money in advance to cover the funeral and associated expenses. A funeral trust is considered an exempt asset from Medicaid, therefore by creating one, a family can prepare for an inevitable need without having to plan the details and lower their countable assets to help qualify for Medicaid. Learn more about establishing a funeral trust.
Not qualifying for Medicaid can be devastating to the comfort of an individual, their family’s finances and even their health. For these reasons, Medicaid planners exist to ensure families have the best chance of acceptance into the program. With care costing $1000’s / month, there is a strong incentive to use a Medicaid Planner. Find assistance applying for Medicaid.
Qualifying for Medicaid in NJ is a complicated process involving a review of a family’s income, assets and asset transfers as far back as 60 months. In 2012, the individual's Medicaid income limit is $2,094 / month. The countable assets limit is $2,000 however the home and primary vehicle are not counted, nor are various other resources. IMPORTANT* Even though, one's income or assets may exceed these limits, most individuals can still qualify for Medicaid.
Many families find themselves in an awkward position where their loved one has enough income and assets that they do not qualify for Medicaid but not enough so that they can afford to pay for their care. Fortunately, there are many exceptions to what is considered income and countable assets. For example, one's car and home can be considered exempt from their countable assets. Income in excess of the limit can be allocated to a pooled income trust thereby enabling the individual to meet the Medicaid limit and qualify for assistance.
Creating a funeral trust is another simple and common technique used to help qualify for Medicaid. Given the expense of funerals and the fact that everyone will eventually require one, it makes sense to allocate money in advance to cover the funeral and associated expenses. A funeral trust is considered an exempt asset from Medicaid, therefore by creating one, a family can prepare for an inevitable need without having to plan the details and lower their countable assets to help qualify for Medicaid. Learn more about establishing a funeral trust.
Not qualifying for Medicaid can be devastating to the comfort of an individual, their family’s finances and even their health. For these reasons, Medicaid planners exist to ensure families have the best chance of acceptance into the program. With care costing $1000’s / month, there is a strong incentive to use a Medicaid Planner. Find assistance applying for Medicaid.
What are the Services Provided under the Global Options for Long-Term Care Waiver
-Adult Day Health Service
-Assisted Living/Adult Family Care
-Attendant Care
-Care Management
-Caregiver/Recipient Training
-Chore Service
-Community Transition Services
-Environmental Accessibility Modification
-Home-Based Supportive Care
-Home-Delivered Meals
-Personal Care Attendant
-Personal Emergency Response System (PERS)
-Respite Care
-Social Adult Day Care
-Special Medical Equipment
-Transitional Care Management
-Transportation
Global Options for Long-Term Care Waiver Availability
Interested individuals should apply for Medicaid and the GO Waiver with their County Board of Social Services, their local NJ Area Agency on Aging or by calling toll free 877-222-3737.
Use our Locator Tool to Find Other Options for which You're Eligible
