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

Q: How many home care agencies are there near Clifton?

There are 50 agencies providing in-home care for seniors in and around Clifton as of 2021. Seniors and their families can view our directory of local providers to get a better idea of what’s on offer, including reviews from people who have used each service, hourly rates, types of care provided and awards.

Q: What is the average cost for in-home elderly care in Clifton?

Home care in Clifton, New Jersey costs an average of <a href="https://www.genworth.com/aging-and-you/finances/cost-of-care.html">$5,529 per month</a>. This monthly cost assumes the need for 44 hours of care per week, which means the cost may be substantially less for many seniors who are more independent. Cost comparisons between Clifton and other areas are included in this guide.

Q: How do you pay for senior care at home?

Seniors who have a low income may qualify for coverage of many or all of their home care needs through Medicaid and government programs at the local level. More information and links to agencies in Clifton that can help seniors apply for assistance are provided in this guide. If the individual doesn’t qualify for coverage, they must pay out of pocket for home care.

Q: What is a non-medical home care service?

Non-medical home care, which is generally referred to simply as home care, is a service provided by trained and professional staff who aren’t certified to assist with medical issues. Home care instead focuses on tasks such as meal preparation, housekeeping, running errands, companionship and personal hygiene. In contrast, home health care is provided by nurses, therapists and others with the appropriate certifications.

Q: What is a home care assessment?

Most home care agencies perform an in-person assessment to determine the level of assistance required, including social and medical needs, by discussing these issues with the individual or their caregiver. These assessments are also usually needed to determine eligibility for coverage of home care via Medicaid and local government programs. If this is the case, the relevant agency will arrange an appointment with a nurse or social worker.

Clifton is a suburb of New York City that offers lower crime rates and abundant senior living options. The city has a higher-than-average percentage of seniors, with approximately 17.2% of its 89,367 residents aged 65 or older as of the 2020 Census. Seniors have access to great care from high-performing hospitals in the area, such as Hackensack Meridian Health and its specialty Center for Healthy Senior Living, located just 6 miles from Clifton. The average cost of home care in Clifton is $5,529 per month. Home care consists of personal care and help around the house and with errands, but it does not include medical care.

Below we’ve compiled a comprehensive directory of every home care provider in the Clifton area – 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.

Home Care Agencies in Clifton, NJ

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Paying for Home Care in Clifton, NJ

The Cost of Home Care in Clifton, NJ

Seniors in Clifton pay an average of $5,529 per month for home care services, according to the Genworth Financial 2021 Cost of Care Survey, which is the same as the average for New Jersey overall. The national average is lower by $572 per month. In-home care is less expensive in Trenton at $5,148 per month and in Vineland at $4,767 per month. Atlantic City and Ocean City have the same average monthly home care costs as Clifton.

Clifton

$5,529

New Jersey

$5,529

United States

$4,957

Trenton

$5,148

Atlantic City

$5,529

Ocean City

$5,529

Vineland

$4,767

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

Home care and home health care are similarly priced in Trenton, with the latter adding $191 per month to the cost. Assisted living communities are priced on average at $5,750 per month, while adult day health care averages $1,950 per month. Nursing homes are the least affordable option, its average cost of $12,471 per month for a semiprivate room more than double the cost of either type of home care.

Home Care

$5,529

Home Health Care

$5,720

Adult Day Health Care

$1,950

Assisted Living Facility

$5,750

Nursing Home Facility (semiprivate room)

$12,471

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

Financial Assistance for Home Care in Clifton, 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.

Free & Low-Cost Home Care Resources in Clifton, NJ

Clifton residents at least 65 years old and people of any age with disabilities may be eligible for many useful services and programs at the city and county level. The resource providers listed below offer free and subsidized services intended to keep locals in their own homes for longer. These services include transportation, home modifications, financial assistance, meal delivery and congregate dining at the city’s senior center.

Resource	Contact	Service
Clifton Office of Senior Citizen and Disabled Services	(973) 470-2234	The Clifton Office of Senior Citizen and Disabled Services provides assistance with items such as transportation, home repairs and modifications, and meal delivery, as well as lunches at the senior center, prescription drug discounts and help filling out applications for medical and financial assistance.
Passaic County Aging and Disability Resource Connection	(877) 222-3737	The Passaic County Aging and Disability Resource Connection helps seniors, people with disabilities and veterans by coordinating access to nearby services and activities. Clifton residents may qualify for help with transportation, housekeeping, home health care, legal services and energy bills.
Clifton Social Security Administration Office	(973) 357-4197	The Clifton Social Security Administration office helps older residents and those with disabilities determine eligibility and apply for Social Security and Medicare benefits. It also offers resources to help with premium payments. Individuals who qualify for SSI will automatically be eligible for Medicaid, which covers many in-home care costs.
Pharmaceutical Assistance to the Aged & Disabled	(800) 792-9745	The New Jersey Pharmaceutical Assistance to the Aged & Disabled program helps seniors who aren't eligible for Medicaid but struggle to pay for prescription drugs. Medicare beneficiaries are welcome to apply and may qualify for coverage of their Part D monthly premiums.

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 – oftentimes 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.

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Checklist for determining the need for 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.

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Talking with Family and Others about a loved one's needs

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