I require a joint bank account for depositing insurance/state of NJ checks in the bank and with homeowners/flood insurance claim checks or I can't use the check. As community spouse, I still live in the home and need to make claims and do repairs. HOW can I make a joint account when husband is on Long Term Care Medicaid while the QIT and Medicaid rules forbid me to do so? I can't remove his name from the insurance policies because we still hold a mortgage together jointly. Can I make a joint account with the word "or" in it and keep the balance low ($20 or less) to keep account open? Will this keep his Medicaid assistance also? I NEED a joint account. I have not gotten an answer from Bergen County Social Services in NJ. HELP!