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

The township of Totowa is home to around 11,000 people, with 18.8% of the population aged 65 or older. Seniors retiring to the community get the best of both worlds, with small-town living that’s close to both Newark and New York City, allowing residents to access government offices and other amenities. St. Joseph’s Health provides excellent health care in the township, and seniors can also visit larger facilities with geriatric departments, such as Newark Beth IsraelSummers in Totowa are pleasant and give retirees the opportunity to visit the area’s many parks. Home care costs an average of $5,529 per month. This provides personal care in the home, while home health care is a more appropriate option for seniors who need skilled nursing assistance.

Below we’ve compiled a comprehensive directory of every home care provider in the Totowa 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 Totowa, NJ

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Paying for Home Care in Totowa, NJ

The Cost of Home Care in Totowa, NJ

Genworth’s Cost of Care 2021 Survey shows that home care in Totowa costs an average of $5,529 per month. This is equal to the New Jersey average, though it’s higher than the U.S. average of $4,957. Home care in both Atlantic City and Ocean City also average $5,529 per month. New Jersey’s other surveyed cities have lower costs. In Trenton, the average price is $5,148. Vineland is the most affordable of the surveyed cities, with seniors there paying $4,767 per month. 

Totowa

$5,529

New Jersey

$5,529

United States

$4,957

Trenton

$5,148

Atlantic City

$5,529

Vineland

$4,767

Ocean City

$5,529

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

Home care is among the more affordable senior care options in Totowa. Only adult day health care costs less at $1,950. This type of care provides assistance during the day. Home health care provides medical services, usually provided by a nurse or therapist. The cost of $5,720 is slightly higher than home care. Assisted living provides personal care in a residential setting and averages $5,750 per month. Nursing home care is the least affordable option at $12,471, reflecting the high level of medical services provided.

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 Totowa was unavailable, so data for the nearest city, New York, NY, was used instead.

Financial Assistance for Home Care in Totowa, 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 Totowa, NJ

Seniors in Totowa have access to a range of resources designed to help people remain living independently at home. Government programs can assist older adults with nutrition, paying bills and making repairs to the home. A helpline can also put seniors in touch with other resources and support services in the area. 

ResourceContactService
Passaic County Department of Senior Services(877) 222-3737Passaic County Department of Senior Services is an Aging Disability Resource Center with a helpline that connects seniors to local resources and support. It also has services that can help seniors live independently, including transport, health insurance counseling and care management.
Passaic County Weatherization and Home Energy Division(973) 569-4032Passaic County can help seniors manage energy bills. It administers the Low Income Home Energy Assistance Program (LIHEAP) that provides financial aid for electric, gas and deliverable fuel bills. Its weatherization program provides free upgrades to help reduce the home's heating and cooling costs.
Passaic County Division of Nutrition Services(973) 569-4099Passaic County Division of Nutrition Services works with the Department of Senior Services to provide food to seniors in the area. People aged 60 and over can visit the Totowa Senior Center for a congregate meal. The division also offers home-delivered meals to homebound seniors.
Totowa Home Improvement Program(609) 664-2769 ext. 9The Totowa Home Improvement Program offers interest-free loans of up to $20,000 to help low-income residents make home repairs. A professional inspector oversees the process and funds can be used for various projects, including roof, insulation and plumbing repairs.
Property Tax Relief(973) 956-1000New Jersey has several property tax relief programs for seniors that are administered at the local level. The first is a deduction available for people aged 65 and over, and the second is the Senior Freeze, which provides reimbursement to eligible seniors for any increase in property tax.

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

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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