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Nursing Homes in New Jersey

The Garden State is home to more than 8.8 million residents, including nearly 1.5 million senior citizens aged 65 or older. New Jersey has a lot to offer retirees, with its metropolitan attractions, beautiful beaches and diverse natural areas. Unfortunately, long-term care costs are well above the national average. Residents in the state’s 361 nursing homes pay $11,254 per month for a semiprivate room on average, and private accommodations cost approximately $600 more.

According to Genworth Financial, New Jersey is one of the 10 most expensive states for nursing home care. This affects more than 42,400 nursing home residents statewide as well as families who want to ensure that their loved ones have access to medically supervised care. For many individuals, nursing homes provide an intermediate option between in-home care and assisted living or hospitalization when round-the-clock monitoring is required. If you’re considering nursing home care for a loved one, this guide features information about average costs, financial assistance programs and free resources available across New Jersey.

The Cost of Nursing Home Care in New Jersey

At $11,254 per month, average nursing home rates in New Jersey are 45% higher than the U.S. median of $7,756. Despite this significant cost premium, prices are competitive when compared to neighboring states in the Northeast. In Pennsylvania, seniors pay $1,216 less per month. However, in New York and Delaware, average prices exceed $12,300, and nursing homes in Connecticut charge $1,670 more per month, which makes it 15% more expensive than New Jersey and 67% higher than the national average.

The average cost of skilled nursing facilities across New Jersey is $11,254 per month, although rates are slightly lower in the state’s largest cities. Atlantic City clocks in at a wallet-friendly $9,277 per month, which is almost $2,000 lower than the state median. In Ocean City, average rates creep up to $10,555, followed by Trenton at $10,783. While seniors in Vineland pay slightly more, at $10,950 per month, local rates are still $300 below the state median. Skilled nursing in New Jersey is also more affordable than other major cities in the Northeast, including New York and Philadelphia.

Trenton

$10783

Vineland

$10950

Ocean City

$10555

Atlantic City

$9277

New York City, NY

$11771

Philadelphia, PA

$11285

Skilled nursing facilities serve individuals who need around-the-clock care and intensive assistance with daily activities. Due to the level of staff required, nursing homes in New Jersey cost $4,600 more per month than assisted living facilities that cater to seniors who are in good health and living independently. Families may also consider residential care from a home health agency, or they may enroll their relative in a community-based adult day program that offers recreational activities and supervision. The cost of these services is $4,957 and $1,901 per month, respectively. However, seniors may also have other living expenses, and these options don’t include around-the-clock care.

Homemaker Services

$4957

Home Health Care

$4957

Adult Day Care

$1901

Assisted Living

$6650

Nursing Home

$11254

Does Medicaid Cover Nursing Home Care in New Jersey?

More than 2 million New Jersey residents are enrolled in Medicaid, an increase of almost 54% since the state expanded the program’s eligibility back in 2014. If a senior requires nursing home care following a hospital stay, the Medicaid program will cover all of the cost of that care for the first 20 days of a patient’s stay, and part of the cost for up to 100 days. After this, however, seniors are required to cover the cost of care themselves.

New Jersey has 362 nursing home facilities, of which the majority accept Medicare. These facilities collectively house more than 41,000 patients. These facilities provide seniors with 24-hour skilled nursing care, helping seniors maintain a high quality of life and delaying full-time hospital placement. Nursing home fees in New Jersey are higher than the national average. Fortunately, there are programs to support seniors who require skilled nursing care. NJ Medicaid includes the Medicaid Managed Long Term Services and Supports program which offers expanded eligibility for seniors who require a greater degree of care.

Medicaid Eligibility in New Jersey

The Medicaid program in New Jersey is also known as NJ FamilyCare. It is open to residents who have an income that is at or lower than 300% of the Federal Benefit Rate. Individuals are permitted to have no more than $2,000 worth of assets. The family home does not count as an asset, and there are exceptions given for any assets required to cover the care of a spouse. Seniors can apply for Medicaid by contacting their nearest County Board of Social Services.

The Medicaid Managed Long Term Services and Supports program has wider eligibility. Disabled adults and seniors who require assistance with at least three of the activities of daily living may qualify for support under this program. Seniors can apply for support at NJ FamilyCare online.

The income and asset requirements for Medicaid depend on whether the applicant is a single person or part of a couple. For single applicants, the income limit is set at $2,742 per month and $2,000 of assets. For a married couple applying together, the income limit is currently $5,484 per month, with $3,000 of assets. In the case of a married couple where only one person is applying, the applicant is treated as a single person and the non-applicant is permitted to have up to $148,620 in assets under the Spousal Impoverishment Act.

2022 Medicaid Income Limits for Seniors in New Jersey

Household SizeNumber of ApplicantsIncome Limits Per Year*Asset Limits: Applicant(s)Asset Limits: Non-Applicants
One Person1$32,904$2,000
Two Person1$32,904**$2,000$148,620
Two Person2$65,808$3,000

*Except for a $50/mo. personal needs allowance, Medicare premiums and possibly a spousal income allowance for a non-applicant spouse, all of a recipient's monthly income must be put toward the cost of nursing home care.

**Income limit is for applicant only.

Seniors must be American citizens or legal residents, and residents of New Jersey in order to apply for Medicaid.

 

How to Apply for Medicaid in New Jersey

There are several ways to apply for Medicaid in New Jersey. Seniors can start the application process over the phone by calling (800) 701-0710. Alternatively, they can complete a printed application form, visit their local welfare agency, or complete the process online. Applicants will need to provide proof of eligibility, and it’s a good idea to have the required documentation on hand before applying. Incomplete applications or ones with missing documentation may be rejected or take longer to process.

Information You Will Need:

 

  • Proof of citizenship (for applicants born outside of the USA)
  • Proof of age (e.g. birth certificate, passport or driving license)
  • Proof of income (e.g. 1099s)
  • Bank statements
  • Proof of pension income
  • VA Discharge papers (for veterans)
  • Car registration titles and insurance documentation
  • Property deeds for the family home
  • Deeds for other owned properties
  • Copies of any current power of attorney
  • Life insurance documents

 

The above is not an exhaustive list and seniors may be asked to provide additional documentation. If you cannot provide some of the documentation on this list, contact your local welfare agency for advice and a list of alternative options.

Additional Medicaid Support & Resources in New Jersey

Seniors in New Jersey have access to a variety of resources to help them navigate the Medicaid process and understand the options available to them.

ResourceContactServices
Aging & Disability Resource Connection(877) 222-3737Aging and Disability Resource Connection offers a variety of services to seniors, including information about local service providers and help with navigating the various long-term care options available in the state. The ADRC is run by the Department of Human Services and connects seniors with other organizations that can provide direct support for a range of age-related issues.
Benefits.gov(800) 356-156This federal website offers basic information about the New Jersey Medicaid program. It lists the income and asset allowances and provides information about the application process, as well as a simple eligibility checker. The site also offers useful contact details for those who wish to seek personalized advice.
New Jersey Dept. of Human Services Division of Medical Assistance and Health Services(800) 633-4227This state organization offers information about Medicaid and the Managed Long Term Services and Supports Program. It provides information about how to choose a managed care provider and can also offer information about the Medicaid system and how seniors can apply.

Does Medicare Cover Nursing Home Care in New Jersey?

Medicare provides limited coverage for short-term stays in a skilled nursing facility following a hospital stay, but seniors must meet a number of specific requirements. This benefit is available to beneficiaries who have been hospitalized for at least three days, excluding the date of discharge, so it’s most valuable for those who are recovering from an injury, illness or surgery.

Once seniors meet the hospitalization requirement, Medicare will pay for up to 100 days of skilled nursing per benefit period. The first 20 days are covered in full. Starting on day 21, beneficiaries must pay a daily coinsurance rate. After day 100, seniors are responsible for the entire cost.

What Does Medicare Cover?

Medicare covers a number of specific services, including:

 

  • Meals
  • A semiprivate room
  • Medications
  • Skilled nursing
  • Physical therapy
  • Occupational therapy
  • Speech therapy
  • Audiologist care
  • Medical supplies
  • Medical social services
  • Nutritional counseling
  • Ambulance transportation

 

What Isn’t Covered by Medicare?

Medicare does not cover long-term custodial care that addresses seniors’ day-to-day needs. This includes help with daily activities, such as bathing, dressing and using medical equipment.

For more information about Medicare and when it covers Nursing Home Care, read our Guide to Nursing Homes.

Medicare Support and Resources In New Jersey

Families in New Jersey may be worried about the cost of long-term nursing home care in the state. Medicare can assist with the cost of nursing home care in the short term, but many seniors will need to find other benefits or support options. These organizations provide seniors with impartial advice to help them access the care they need.

ProgramContactService
SHIP(800) 792-8820The State Health Insurance Assistance Program provides free, impartial advice to people who have questions about the Medicare program in New Jersey. Trained advisors can assist with a variety of Medicare-related issues and will provide impartial advice about service providers, the application process, and how to make claims. SHIP advisors are not paid commission and are not affiliated with any specific insurance providers.
New Jersey Advocates for Aging Well(609) 421-0206The New Jersey Advocates for Aging Well serves older adults across the state. It provides a variety of services and resources for New Jersey seniors and is particularly focused on the issue of Economic Security, working to help seniors offset the cost of living in the state through a range of supportive programs delivered by County Offices on Aging.
Medicare.gov(800) 633-4227This federal website provides information about Medicare services. In addition to having a vast knowledge bank, it also has a live chat feature that is staffed by trained agents. The chat is open 24 hours a day, and seniors can request a call back from an agent if their chat is disconnected or interrupted.

Other Financial Assistance Options for Nursing Home Care in New Jersey

While Medicaid and Medicare are two of the most common programs used to pay for Nursing Home Care, there are other financial assistance options available, depending on your unique situation.

NameHow To ApplyHow It Works
Aid and AttendanceLearn more and apply online at va.gov.Veterans who receive a VA pension may also be eligible for the Aid and Attendance benefit, a monthly cash allowance that veterans receive in addition to their standard pension amount. The benefit is intended for veterans in need of long-term care services and may be used towards paying for skilled nursing care.
Reverse MortgagesLearn more about your options and how to apply at ftc.govIf you own a home, you may be able to use a reverse mortgage to help pay for nursing care. Reverse mortgages are loans that one can take out against the value of their home, essentially converting some of the home's equity into cash. Reverse mortgage loans do need to be repaid with interest, typically within 12 months of receiving the loan.
Long-Term Care (LTC) InsuranceLearn more about Long-Term Care Insurance and how to apply for a policy at acl.gov.Seniors who already have long-term care insurance may be able to use it to pay for skilled nursing care. Most policies cover at least a portion of the cost, but it depends on the specific policy terms. Note that older adults who are already in need of skilled nursing care will not typically be eligible to sign up for a LTC insurance policy.

Free and Low-Cost Resources for Seniors in New Jersey

There are many resources in New Jersey that assist seniors in their retirement. Caring.com has compiled information on local organizations, programs and agencies and categorized them into care types for easy reference.

Area Agency on Aging

Retirees can find support and advice on various senior-related issues from their local Area Agency on Aging. The agency provides advice on topics such as financial assistance programs, in-home care and long-term care planning. It also connects seniors and caregivers with community-based resources.

Program NamePhone NumberDescription
New Jersey Area Agencies on AgingThere are 21 Area Agencies on Aging (AAA) in New Jersey, one in each of the counties in the state. They offer helpful, relevant programs and services geared toward senior New Jerseyans, such as the Hearing Aid Assistance Program and the Senior Gold Prescription Discount Program. Agencies also connect seniors to services including transportation, case management, homemaker and respite services, community-based meal programs and educational courses for caregivers.

Cash Assistance Programs

Cash assistance programs in New Jersey provide financial support to help low-income retirees remain in their own homes for as long as possible. Seniors and caregivers can apply for tax rebates and reductions, discounts on vital services and help covering the cost of heating and cooling their home.

Program NamePhone NumberDescription
New Jersey Lifeline Program800-234-9473The LifeLine Program offers a discount on landline or mobile telephone service, ensuring that participants can stay in contact with loved ones.

Financial Assistance for Senior Care and Senior Living

Whether living in their own home or in a senior living community, New Jersey seniors can find financial assistance from numerous local resources. These organizations help residents cover some of the costs associated with in-home or long-term care and connect them with other helpful community-based resources.

Program NamePhone NumberDescription
New Jersey Assistance for Community CaregivingJersey Assistance for Community Caregiving is a statefunded program that covers the cost of services that can help seniors stay in their homes. As part of the program, eligible seniors may qualify for modifications to make their homes safer or more accessible. Participants may have to pay a copay for some services
New Jersey Managed Long-Term Services and Supports (MLTSS)800-792-8820Managed Long-Term Services and Supports is the managed care program administered by NJ FamilyCare. MLTSS uses a network of managed care organizations to coordinate services for Medicaid enrollees who need long-term care at home or in a residential care setting. Depending on a member's needs, MLTSS may cover home modifications, respite care, meal delivery, assisted living, nursing home care or community residential services
New Jersey Personal Preference Program609-631-2481The Personal Preference Program lets eligible members select and manage their own long-term care services. Each member is given a monthly budget and can choose any combination of covered services to increase their comfort and maintain their health and independence. PPP benefits may be used to pay for housekeeping, home health services, personal care and equipment that isn't covered by traditional Medicaid.

Food Assistance Programs

Local organizations help ensure elderly citizens have a balanced diet and receive essential vitamins and minerals to remain healthy. Through nutrition programs, congregate meals, home-delivered meals and food pantries, these programs help New Jersey seniors afford the nutritious food they need.

Program NamePhone NumberDescription
New Jersey Meals on WheelsAs part of the national Meals on Wheels network, New Jersey Meals on Wheels helps seniors who experience food insecurity. While the organization doesn't directly distribute or collect food, it can help seniors find free congregate meal sites, food pantries and home delivery options in their local area. Volunteer drivers also provide a regular welfare check for seniors on their routes. By MOW policy, seniors aren't turned away due to inability to pay, though donations are accepted.

Free Used Medical Equipment

Due to the high cost of purchasing new medical equipment, several organizations in New Jersey collect lightly used medical devices such as wheelchairs, ramps and walkers and distribute them to local seniors and residents in need.

Program NamePhone NumberDescription
New Jersey Assistive Technology Lending Center888-695-0845The Assistive Technology Lending Center is a free service that allows New Jersey residents with disabilities to borrow a wide range of assistive devices. Available items include transfer devices, wrist rests, call chimes and telephone amplifiers.
New Jersey Bikur Cholim Medical Equipment G'Mach973-472-1030The Bikur Cholim of Passaic-Clifton operates a medical equipment bank, making donated items available to anyone who needs them. Available items include scooters, canes, crutches, walkers and wheelchairs.
New Jersey Richard West Assistive Technology Advocacy Center800-922-7233The Richard West ATAC uses federal funds to make assistive technology more accessible to the people who need it. The center partners with Goodwill Home Medical to make certain items available for free.

Health Insurance & Prescription Drug Coverage for Seniors

New Jersey seniors who meet certain income criteria can apply to local resources to help them pay for prescription drugs. Eligible residents can also receive assistance through health insurance and other programs to access free or discounted medical services.

Program NamePhone NumberDescription
New Jersey Pharmaceutical Assistance to the Aged and Disabled Program (PAAD)800-792-9745The PAAD Program makes prescription drugs more affordable for seniors and younger adults with disabilities. Medicare-eligible individuals must enroll in Medicare Part D, but PAAD covers the monthly premium for a basic Part D plan, keeping out-of-pocket costs as low as possible. Once Medicare Part D benefits are applied, a PAAD participant pays a copay of $5 for an approved generic drug or $7 for an approved brand-name drug. If Medicare Part D doesn't cover a drug, the PAAD participant must switch to a covered drug or ask their doctor to request an exception due to medical necessity.
New Jersey Senior Gold Program800-792-9745The Senior Gold Program helps eligible residents of New Jersey pay for prescription medications, injectable medications for multiple sclerosis and insulin needles and syringes. Senior Gold discounts can be combined with Medicare Part D coverage, reducing a senior's out-of-pocket prescription costs. For each covered drug, a Senior Gold participant pays a $15 copay and 50% of the remaining cost once Medicare Part D benefits are applied.

Home Repair and Modifications

Seniors and those with disabilities can access a variety of local resources to help them pay for home repairs and modifications. Programs in New Jersey have different eligibility criteria and often assist retirees by providing grants or loans.

Program NamePhone NumberDescription
New Jersey Weatherization Assistance Program609-292-4080The New Jersey Weatherization Assistance Program offers grants to help older adults and younger adults with disabilities conserve energy, protect their homes against the elements and increase energy efficiency. Funds may be used to add weather stripping, install insulation, replace inefficient water heaters and make energy-related repairs.

Many organizations offer free or low-cost legal services to New Jersey seniors. Older adults can access advice on issues such as estate planning, living wills and power of attorney. Some firms also act as long-term care ombudsmen, advocating for the rights of seniors in senior living communities.

Program NamePhone NumberDescription
New Jersey Community Health Law Project (CHLP)973-275-1175The Community Health Law Project advocates for frail seniors and those on low incomes. It specializes in several areas of civil law. For example, it can help seniors who were denied Medicaid or Medicare and refused public benefits, such as SSI. It also handles consumer law and living wills.
New Jersey Long-Term Care Ombudsman877-582-6995The NJ Long-Term Care Ombudsman is an independent advocate for seniors living in residential care facilities throughout the state. Its ombudsmen are directly appointed by the state governor. Their duties include visiting facilities to speak in confidence with residents, inform them of their rights and investigate any complaints they have with their care providers. The ombudsman can negotiate solutions but not impose its recommendations. However, if a complaint suggests criminal behavior, such as elder abuse, the ombudsman will refer it to the appropriate law enforcement entity.

Senior Centers

Senior centers in New Jersey bring together residents through recreational activities and events. Many also offer advice and support on senior issues, run wellness and nutrition programs, and connect older adults with other resources in the local area.

Program NamePhone NumberDescription
New Jersey 211877-652-1148211 New Jersey is the state's branch of a national organization. Within New Jersey, 211 can help residents locate and access agencies and nonprofits in their area dedicated to helping seniors within the community and in residential care. Whereas an Area Agency on Aging can directly help seniors by coordinating assistance from multiple state-sponsored agencies, 211 can refer them to nonprofits funded by donations and supported by volunteers who may offer help not provided by the state. 211 also has a 24-hour helpline, so seniors aren't limited to when they contact the free service.

Senior Engagement

Senior engagement resources and programs in New Jersey help older adults remain active and ensure they contribute to the community. Resources include wellness programs, volunteer opportunities, support groups and organizations that help residents connect with the community to live fulfilling lives.

Program NamePhone NumberDescription
Alzheimer's Association Greater New Jersey Chapter800-272-3900The Alzheimer's Association is a nationwide nonprofit organization dedicated to advancing services and treatments for those living with memory loss. The New Jersey Chapter offers a range of online and in-person resources, including patient and caregiver support groups, educational sessions and advocacy services. Anyone can contact the AA for information about local resources.
Alzheimer's New Jersey888-280-6055ALZNJ was previously affiliated with the Alzheimer's Association and is now an independent nonprofit organization. It serves all of New Jersey from its headquarters in Roseland by providing information and connections to relevant services at the local level. ALZNJ hosts educational events and support groups across the state and provides care consultations to seniors and caregivers during the early stages. The organization can also connect residents with clinical trials, as well as legal and financial planning.

Social Security Offices

Social Security offices in New Jersey help seniors and disabled people access the benefits they're entitled to. Older adults can contact their local office for information about receiving retirement benefits, disability allowance and Supplemental Security Income.

Program NamePhone NumberDescription
New Jersey Social SecuritySocial Security is a source of income available to retirees and people who can no longer work because of a disability. The money for Social Security comes from a payroll tax levied on employers, employees and self-employed individuals. When you retire, you'll receive monthly payments based on how much you earned when you were working.

Tax Assistance

Seniors can apply for tax assistance from several New Jersey resources. Elderly residents and those with disabilities could be eligible for tax exemptions on medical expenses, reductions on property tax and other tax assistance programs.

Program NamePhone NumberDescription
New Jersey Senior Citizens and Disabled Persons Property Tax Deduction609-292-6400The Senior Citizens and Disabled Property Tax Deduction is open to those aged 65 and older or who are living with a disability and have been residents of New Jersey for at least one year. The program gives eligible residents a deduction on their property tax bill, with the amount currently set at $250.

Utility & Energy Bill Assistance

Low-income seniors who are struggling to meet the costs of maintaining their homes can find support from organizations that offer assistance with utility and energy bills. New Jersey retirees could also qualify for emergency funding programs if they're in danger of losing utility services due to unpaid invoices.

Program NamePhone NumberDescription
New Jersey Low Income Home Energy Assistance (LIHEAP)800-510-3102The LIHEAP helps low-income residents of New Jersey cover their heating and cooling bills. It also makes provisions for emergency fuel assistance and heating systems via the Home Energy Assistance Program. The program is open to residents of all ages who meet the income requirements.

Veteran's Services

New Jersey retirees who have served in the U.S. military can find support from local veteran services. These offices and organizations help vets access the benefits they're eligible for and provide advice and information on a variety of issues.

Program NamePhone NumberDescription
New Jersey VA Benefits and Health CareNew Jersey VA Benefits and Health Care offers health care services to senior veterans through its medical centers and outpatient clinics. Additionally, the dedicated staff can provide valuable assistance with claims at benefits offices or guidance for other sources of support or specialized services. New Jersey also has two National Cemeteries to provide a resting place of honor for departed veterans. Furthermore, any veteran can reach a crisis worker at any time by dialing 988 and pressing 1.

Nursing Home Laws and Regulations in New Jersey

Nursing Home Laws and Regulations in New Jersey
Licensing RequirementsSkilled nursing facilities in New Jersey are licensed by the Health Systems Branch of the New Jersey Department of Health. The state also licenses nurse aides, personal care assistants and nursing home administrators. The Health Facilities, Survey and Field Operations division inspects Medicaid-approved health care facilities and investigates complaints, and the Certificate of Need and Licensing department ensures that facilities follow state and federal regulations.
Staffing RequirementsStarting on February 1, 2021, nursing homes must employ one CNA per eight residents during the day. Minimums decrease to one CNA per 10 residents during the weekend and one CNA for every 14 residents at night.
Staff Training RequirementsNursing homes in New Jersey employ a combination of registered and licensed practical nurses as well as certified nursing assistants. CNAs must complete a 90-hour state-approved training program, which exceeds the federally mandated 75-hour minimum. Administrators must complete a 100-hour training and ethics course in addition to meeting other requirements.
Admission RestrictionsNursing homes may only admit residents if the facility can provide safe, adequate care. If denied admission, prospective residents must receive a letter stating the reason.
Care Planning RequirementsSkilled nursing facilities must perform a comprehensive assessment within 14 days of a resident's admission. New residents must be evaluated by a qualified medical professional around the time of the initial evaluation. Reassessments should be performed as directed or more frequently following a hospital admission or significant change in health.
Dietary and Nutritional Services RequirementNursing homes must employ a full-time food service director who is a qualified dietitian or who receives advice from a professional nutritionist. The state has minimum requirements regarding meal timing, staff involvement and nutritional advisory services for residents.
Specialized Rehabilitative ServicesNursing facilities may provide physical, occupational and speech therapy via licensed staff as directed by a physician or advanced nurse practitioner. Evaluations must be performed within 72 hours of a doctor's order during weekdays.
Medication and Pharmaceutical ServicesSkilled nursing facilities must employ an in-house pharmacist or consultant who can store, dispense and label prescribed medications as required by state and federal regulations. Pharmacy services must be available 24 hours a day. Qualified staff members can administer medications as directed, and self-administration is permitted.
Activities Requirements Nursing homes must provide at least 45 minutes of direct-staff activities per resident per week. Facilities must organize well-rounded social and recreational events seven days a week, including at least two evenings. A schedule must be posted weekly, and religious or spiritual services must be included. The state also has requirements for activities directors and recreational spaces.
Infection Control Requirements Nursing homes in New Jersey must have an interdisciplinary infection control commission. Employees who have symptoms of communicable diseases cannot work in a capacity that exposes residents to the disease. Facilities must meet all requirements contained in New Jersey Administrative Code Title 8, Chapter 39 Standards for Licensure of Long-term Care Facilities, Subchapter 19.
Medicaid CoveragesThe Medicaid Managed Long-Term Services and Supports division, under the NJ FamilyCare health program, covers skilled nursing facilities. Coverage is available to individuals who meet income and asset limits and need help with at least three activities of daily living.

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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

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