From the bright lights of Atlantic City to the gorgeous coastal views at the Jersey Shore, there are plenty of reasons that so many seniors choose to spend their golden years in New Jersey. In fact, more than 16% of the state’s population is made up of seniors aged 65 and older. There are plenty of senior-friend activities available throughout the state, including museums, shopping and scenic parks. Seniors in New Jersey who require care while living in their own home pay an average of $4,767 per month, which is just a few hundred dollars more than the national average.

The following guide provides detailed information about the cost of senior care in New Jersey and how seniors living in the state can pay for in-home care.

The Cost of In-Home Care in New Jersey

In-Home Care Costs in Nearby States

According to the Genworth 2019 Cost of Care Survey, in-home care costs an average of $4,767 per month in New Jersey. When compared with surrounding states, this cost is among the highest. In New York, the monthly cost of in-home care is on par with New Jersey, while Delaware comes in about $100 less at an average of $4,671. Pennsylvania and Maryland are both priced lower than other states in the area at $4,385 and $4,481, respectively; however, costs in these states are both above the U.S. average of $4,290 per month.

$4767

New Jersey

$4290

United States Average

$4767

New York

$4385

Pennsylvania

$4481

Maryland

$4671

Delaware

Cost of Other Types of Care in New Jersey

The cost of in-home care in New Jersey is considerably less than other types of full-time care. Both in-home and home health care cost an average of $4,767 per month, while assisted living is priced over $2,000 more at an average of $6,950 per month. Nursing home care in New Jersey is more than double the cost of in-home care, at an average of $12,167 per month. Seniors who are looking to spend less on care may consider adult day care, which costs an average of only $1,842 per month in New Jersey.

$4767

In-Home Care

$4767

Home Health Care

$1842

Adult Day Care

$6950

Assisted Living Facility

$12167

Nursing Home Care

The Cost of In-Home Care in New Jersey’s Top Cities

Just as the cost differs according to the type of senior care, it also varies depending on the city. While the cost of in-home care in Ocean City and Vineland are well below the state and national averages at $3,813 and $3,623 per month, in-home care in Trenton and Atlantic City is considerably more expensive, with an average cost of $4,671 per month.

$3813

Ocean City

$4671

Trenton

$4671

Atlantic City

$3623

Vineland

Financial Assistance for In-Home Care in New Jersey

Medicaid Managed Long Term Services and Supports

MLTSS is an entitlement program of New Jersey Medicaid. Under this program, seniors can access supports in their home, as well as in long-term care facilities. Some of the benefits the program provides include home health care, in-home personal care, meal delivery, homemaker services, personal emergency response systems and home modifications.

Seniors who are enrolled in the MLTSS program have the option of self-directing their home-based care. This means they may hire caregivers at their own discretion, including friends and some family members.

Who Is Eligible?
To qualify for the MLTSS program, applicants must be at least 65 years of age or defined as disabled by the Social Security Administration. They must require assistance with a minimum of three activities of daily living. Additionally, they are required to meet the program’s income guidelines, which stipulate that a single applicant’s income may not exceed $2,349, while a married couple with both spouses applying may not earn more than $4,698 per month. Lastly, seniors applying for this program may not have more than $2,000 in countable assets if single, or $3,000 if married.

How to Apply
Seniors can apply for the MLTSS program by contacting their local Area Agency on Aging.

Personal Preference Program

The Personal Preference Program offers financial help to seniors and disabled persons throughout New Jersey. The program is designed to provide personal care and other benefits that allow its beneficiaries to live as independently as possible.

The PPP is considered a cash and counseling program. Participants are provided with a budget that can be used toward their services and are given the power to self-direct their care, meaning they can choose their own care providers and select the services that suit them best. When selecting a care provider, this program permits the hiring of friends, relatives and immediate family, including spouses. In addition to care, seniors can use this benefit to cover costs such as home modifications and assistive technology.

Who is Eligible?
Seniors who wish to apply for this benefit must be financially eligible for New Jersey Medicaid and have a need for assistance with activities of daily living. They must be able to direct their own care and cannot require a nursing home level of care.

How to Apply
To apply for the Personal Preference Program, seniors can visit the NJ Family Care website and complete the online application.

Program for All-Inclusive Care for the Elderly

PACE is a Medicare program that helps eligible New Jersey residents access medical care and social services as part of a coordinated care plan. Care is provided to participants by an interdisciplinary team, in a community-based center and their own homes. PACE participants work with a case manager who they meet with on a regular basis. Case managers are responsible for helping seniors determine the services they require, and coordinating their care. In addition to medical care and in-home support services, PACE programs offer members the opportunity to participate in congregate meals and social activities.

The cost of PACE services are charged on a sliding scale, and those who have little to no income, or qualify for Medicare and Medicaid, may pay nothing for their care. Seniors whose incomes are higher pay based on what they can afford.

Who Is Eligible?
To be eligible for PACE, individuals must be at least 55 years of age and require a nursing level of care, while being able to safely reside within their community. They must also live within a programs’ service area.

How to Apply
To learn about PACE availability and apply for services, seniors can contact the PACE provider serving their zip code, or call New Jersey Division of Aging Services at 800-792-8820.

More Ways to Pay for In-Home Care

While the above programs help many people finance in-home care, they will not cover all costs for everyone. There are other ways to pay for in-home care, including out-of-pocket arrangements with siblings, annuities, reverse mortgages, private insurance, and more. Read Caring.com’s Guide to In-Home Care Costs to learn more about these alternative payment options.

Free and Low-Cost In-Home Care Resources in New Jersey

There are several free or low-cost resources available to seniors who require in-home care in New Jersey. These services may include case management, home modification assistance, respite relief and meal deliveries.

ContactServices Provided
Office of Community Choice OptionsDivision of Aging Services contact formCommunity Choice Options counselors help New Jersey’s seniors plan a move back into their own home after a stay in a nursing home or other long-term care facility.
New Jersey Statewide Respite Care Program877-222-3737The New Jersey Statewide Respite Care Program offers relief for caregivers who are providing in-home care for seniors.
Meal Delivery2-1-1Seniors throughout New Jersey can dial 2-1-1 to be connected with meal delivery services within their area, including Meals on Wheels.
Homecare and Hospice Association of New Jersey732-877-1100This non-profit organization represents licensed home health agencies and hospices throughout the state and promotes integrity and professionalism among care providers.
Adult Protective ServicesService Provider ListingSeniors who have complaints about caregiver neglect or abuse can contact the Adult Protective Services office in their county.

In-Home Care Laws and Regulations in New Jersey

The New Jersey Department of Health regulates home care providers throughout the state. This department is responsible for issuing licenses to home care agencies, as well as conducting continual compliance checks. This table provides an overview of the rules and regulations governing home care agencies in New Jersey.

Scope of CareLicensed home care agencies in New Jersey may provide nonmedical care services, including personal care, assistance with activities of daily living, meal preparation, housekeeping services and companionship.
Care Plan RequirementsHome care agencies must create a detailed document outlining the scope of care clients will receive, including a schedule of services and who will be providing care, and when.
Medication Management RequirementsHome health aides may assist clients with self-administering medications, and are permitted to administer medications under the delegation of a registered nurse.
Staff Screening RequirementsAll home care providers must undergo a criminal background check by the New Jersey State Police, as well as the Federal Bureau of Investigation.
Staff Training RequirementsHome health aides must complete a training course approved by the Board of Nursing and complete a competency test administered by a licensed home care agency.
Medicaid CoverageManaged Long Term Services and Supports and the Personal Preference Program are both New Jersey Medicaid programs that cover the cost of in-home care.
Reporting AbuseAbuse can be reported to Adult Protective Services.

Frequently Asked Questions

Are There Financial Assistance Programs for In-Home Care in New Jersey?

Yes. New Jersey Medicaid offers two programs that help seniors pay for the cost of in-home care: Managed Long-Term Services and Supports and the Personal Preference Program. Additionally, New Jersey’s PACE program may help seniors pay for the cost of in-home care.

Are There Transportation Assistance Programs in New Jersey?

Community Paratransit provides curb to curb transportation for seniors throughout New Jersey, while New Jersey Find-a-Ride helps connect those who need transportation with viable options.

Are There Programs to Cover Home Modifications in New Jersey?

Both the MLTSS and Personal Preference Program cover the cost of some home modifications. Seniors may qualify for additional assistance through the New Jersey Department of Human Services – Division of Disability Service.

What Are Activities of Daily Living?

Activities of daily living are self-care tasks that most seniors are required to perform on a daily basis. These include grooming, bathing, toileting, eating and dressing/undressing.

What Is the Difference Between In-Home Care and Home Health Care?

While in-home care provides seniors with personal care, housekeeping and meal preparation, it doesn’t include skilled medical care. Home health care aides can provide these types of services, such as medication administration, health care assessments and wound care.

Home Care Services in New Jersey (633)