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The 10 Best Home Care Agencies for Seniors in Paterson, NJ for 2024

Paterson City, New Jersey, has a relatively favorable climatic year-round climate. Given proximity to New York, residents can access big city amenities. Seniors in Paterson can get quick and high-quality primary health care from nearby medical facilities and hospitals, including Saint Joseph’s University Medical Center, Hackensack University Medical Center and Saint Joseph’s Wayne Hospital.

Paterson has a population of approximately 157,700, 11.7% of whom are seniors — less than the national rate of 16.8%. Paterson shares monthly home care costs with the New York area. These average around $5,529 according to the 2021 Genworth Cost of Care Survey. Home care services include personalized support with daily activities, while home health care involves light medical services by registered nurses and physicians.  

Below we’ve compiled a comprehensive directory of every home care provider in Paterson– complete with services offered and reviews from families who’ve actually used the service. In addition to our in-depth provider listings, we’ve compiled resources to help seniors and their families to access all the tools they need to age in place safely and gracefully.

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Home Care Agencies in Paterson, NJ

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Paying for Home Care in Paterson, NJ

The Cost of Home Care in Paterson, NJ

Monthly home care costs in Paterson are similar to the average and higher than the national average by about $572. The prices are $190 higher than West Milford’s, about 28 miles away. The cost is also higher than in Phillipsburg, about 70 miles away. The state’s most populated city, Newark, also has monthly home care costs similar to Paterson. Trenton, the state’s capital, is $381 less expensive. 

Paterson

$5,529

New Jersey

$5,529

The United States

$4,957

West Milford

$5,339

Phillipsburg

$5,196

Newark

$5,529

Trenton

$5,148

The Cost of Home Care vs. Other Senior Care Options in Paterson, NJ

Paterson offers home health care (home health aide), assisted living, adult day care and nursing home care. Monthly home health care, which includes light medical services, costs slightly more than home care costs by $190, whereas assisted living services are higher by $30. Adult daycare is the most affordable option, costing $3,579 less than home care costs. Monthly nursing home care charges are higher than home care costs by $6,942.

Home Care

$5,529

Home Health Care

$5,720

Adult Day Health Care

$1,950

Assisted Living

$5,750

Nursing Home Care (semiprivate room)

$12,471

Note: Data for Paterson was unavailable, so data for the nearest city, New York, was used instead.

Financial Assistance for Home Care in Paterson, NJ

Given the high cost of in-home care, many people use one or more forms of financial assistance to cover the expenses. Below, we explain some of the most common sources of financial help for paying for in-home care. If none of these options are available to you, you can reach out to your Area Agency on Aging or Aging and Disability Resource Center to learn about local resources.

  • Long-Term Care Insurance: Long-term care insurance covers expenses related to senior care, including in-home care. Depending on the policy type, beneficiaries may receive a cash payment to use towards long-term care or reimbursement for qualifying long-term care expenses. Note that there are limitations- typically a maximum benefit of $150 per day- and exact coverage terms vary depending on the exact policy, so always check the details.
  • Medicare: Medicare does not cover in-home care because it is classified as custodial, or non-medical, care. However, some Medicare Advantage and Medicare Supplement plans, which offer expanded benefits, may cover in-home custodial care.
  • Medicaid: Medicaid coverage of in-home care varies between different states because it is not a federally mandated benefit. Currently, all states cover some in-home care either through their standard Medicaid or a waiver program. The specific coverage rules are set individually by each state.
  • Veterans’ Benefits: The Aid and Attendance benefit is a monthly cash payment that beneficiaries can use to pay for senior care, including in-home care services. To qualify for A&A, Veterans must already receive the VA pension and meet several additional requirements, including needing assistance with the activities of daily living. Contact the Department of Veterans Affairs to learn more.
  • Reverse Mortgages: Home Equity Conversion Mortgages (HECMs) are federally insured loans that are available to homeowners age 62 and over. Reverse mortgages allow you to access a portion of your home’s equity in cash, tax free. Many seniors use reverse mortgages to finance their care expenses, including in-home care. Note that although there are no monthly payments due on reverse mortgage loans, borrowers do have to repay the loan once the last surviving homeowner passes away, moves, or sells the home.

Paterson Home Care Resources

Home care services are only one of the pieces needed for seniors to gracefully age in place. There are many services and programs that are low-cost or free, that enable seniors to enjoy an independent lifestyle in the comfort of their own home, such as help with home modifications, meal delivery services, and more. Below, we’ve compiled a few of the most helpful resources in Paterson:

ResourceContactAddressService
Passaic County Para-Transit Program(973) 653-5932165 5th St, Paterson, NJ 07524Paterson seniors can receive help with transportation to go grocery shopping, visit the doctor or see recreational attractions. The Passaic County Para-Transit Program is available to seniors aged 60 or over who are residents of the city. Those who are disabled are also eligible. Contact the Senior Services & Transportation Department of Paterson to learn more about how to apply for this service.
State Health Insurance Assistance Program (SHIP)(800) 792-8820P.O. Box 715, Trenton, NJ 08625This program gives seniors free access to help with navigating health insurance claims, policies and benefits. SHIP connects seniors with resources and provide them with answers to any questions they may have regarding health insurance. For more information, interested parties should contact the New Jersey Division of Aging Services or call the helpline directly.
Hearing Aid Assistance to the Aged or Disabled (HAAD)(800) 792-9745P.O. Box 715, Trenton, NJ 08625The Hearing Aid Assistance to the Aged or Disabled is a program that reimburses qualifying New Jersey seniors with up to $100 spent on a hearing aid. This reimbursement can only be redeemed once per year. Applicants must present a receipt of the hearing aid that was purchased along with a note recommending the purchase from a physician. Each year a new application will need to be filled out for subsequent reimbursements.

Determining Your Loved One’s Need for In-Home Care

Aging can be a difficult process, and loved ones may not always ask for help – often times it’s up to their family to evaluate their need for help around the house. While no two situations are exactly alike, this checklist can help you and your loved ones determine when it’s time to start the search for a home care provider.

Download
Checklist for determining the need for in-home care
Checklist for determining the need for in-home care

Guidelines for Talking About In-Home Care

If you’ve determined that your loved one needs the assistance of a care provider in their home, it may be time for a difficult conversation. Handled correctly, however, this process can bring a family together and ensure that everyone’s concerns are addressed. Use this PDF as a starting point to help the conversation stay as positive and productive as possible.

Download
Talking with family and others about a loved one's needs
Talking with family and others about a loved one's needs
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The material on this site is for informational purposes only and is not a substitute for legal, financial, professional, or medical advice or diagnosis or treatment. By using our website, you agree to the Terms of Use and Privacy Policy

Caring.com

Caring.com is a leading online destination for caregivers seeking information and support as they care for aging parents, spouses, and other loved ones. We offer thousands of original articles, helpful tools, advice from more than 50 leading experts, a community of caregivers, and a comprehensive directory of caregiving services.

 

The material on this site is for informational purposes only and is not a substitute for legal, financial, professional, or medical advice or diagnosis or treatment. By using our website, you agree to the Terms of Use and Privacy Policy

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