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

Fair Lawn is a quiet, suburban community of 35,159 people just 12 miles away from New York City. Many residents appreciate the peaceful nature of this bedroom community and choose to retire here, and 18.4% of the population is 65 and older. The city is known for its low crime rates and average healthcare costs, with the big hospitals of New York close by. This includes NYU Langone Medical Center, the state’s top-ranked hospital, and Mount Sinai Hospital, which U.S. News ranks as the top hospital in the nation for senior care. Seniors aging in place who want some additional care at home can expect to pay $5,529 a month. Those who need some skilled nursing at home will need home health care.

Below we’ve compiled a comprehensive directory of every home care provider in the Fair Lawn 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.

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Home Care Agencies in Fair Lawn, NJ

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Paying for Home Care in Fair Lawn, NJ

The Cost of Home Care in Fair Lawn, NJ

The cost of home care in Fair Lawn is around $5,529 a month, based on the 2021 Genworth Cost of Care Survey. This is $572 higher than national norms, but it matches the state’s average. It’s also the same as the cost in Atlantic City, but both Vineland, which averages $4,767 a month, and Trenton, which averages $5,148 a month, have more affordable costs for home care.

Fair Lawn

$5,529

New Jersey

$5,529

United States

$4,957

Trenton

$5,148

Atlantic City

$5,529

Vineland

$4,767

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

Seniors exploring their options will want to know how the $5,529 monthly cost for home care compares to other senior care options. Those who need nursing care at home can expect to pay $191 more for home health care services. Adult day health care is the most affordable option at $1,950 a month, while nursing home care is the most costly at $12,471. Seniors choosing assisted living can expect to pay $5,750 for this care option.

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 Fair Lawn was unavailable, so data for the nearest city, New York, was used instead.

Financial Assistance for Home Care in Fair Lawn, 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 Fair Lawn, NJ

The community of Fair Lawn and Bergen County has a number of programs in place to help seniors age at home. These programs are available at little to no cost to needy seniors, helping them with everything from food to home repair.

ResourceContactService
Phone Buddy Program(201) 777-6135Homebound seniors sometimes feel isolated and lonely. The Phone Buddy Program assigns volunteers to call and check on seniors. Through friend phone conversations, this program reduces feelings of loneliness.
Senior Freeze Program(800) 882-6597The Senior Freeze Program is a statewide program that offers property tax reimbursement to qualified seniors to stop increases to property tax or mobile home park site fees. Seniors can apply to this program in the fall.
Meals on Wheels North Jersey(201) 358-0050Older adults who can’t cook for themselves safely can sign up for Meals on Wheels North Jersey to get a meal and a friendly visit each day. The subsidized program provides this service free of charge to qualified seniors.
Weatherization Assistance Program(201) 488-5100Through the Weatherization Assistance Program, seniors in Bergen County can get free help upgrading their homes to make them more energy efficient. The program includes repairs to water heaters and heating systems, as well as upgrades to insulation, windows and doors, as needed.
Fair Lawn Special Needs Registry(201) 796-1700Seniors who are on dialysis, use oxygen, are homebound or use a wheelchair will need extra help in times of emergency. The Fair Lawn Special Needs Registry ensures local emergency services providers are aware of this and can provide that extra help when needed.

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 home care
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.

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

Frequently Asked Questions

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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

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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