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

New Jersey’s capital, Trenton, charms seniors with historic downtown attractions near the Delaware River and offers visiting loved ones the convenience of being close to Philadelphia and not too far from New York City. This former U.S. capital is home to over 10,000 seniors aged 65+, making up 11% of the city’s population. Aside from four senior centers serving as access points for Mercer County’s senior services, Trenton has quality health care options offered by Capital Health Regional Medical Center and St. Francis Medical Center. This affordable major city has housing costs that are only 27% of the national average, and home care in the area is moderately priced at $5,148 per month.

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

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Paying for Home Care in Trenton, NJ

The Cost of Home Care in Trenton, NJ

At $5,148 per month, Trenton is considered an affordable area for home care in New Jersey and in both the New York City and Philadelphia metro areas. According to Genworth Financial’s 2021 Cost of Care Survey, Trenton is nearly $400 cheaper than the New Jersey average of $5,529, despite being almost $200 higher than the U.S. median of $4,957. Atlantic City and New York City both have home care costs similar to the New Jersey statewide figure. The cheapest option in the Garden State is Vineland at $4,767.

Trenton

$5,148

New Jersey

$5,529

The United States

$4,957

Vineland

$4,767

Atlantic City

$5,529

New York, NY

$5,529

Philadelphia, PA

$5,329

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

At $5,148 per month, home care covers nonmedical support and costs slightly less than home health care, which includes medical support for $5,243. At $8,145, assisted living is significantly more expensive but covers accommodations, meals and round-the-clock supervision. Nursing home care is the most expensive option at $11,650, as it pays for 24-hour skilled nursing support. Adult day health care is the cheapest at $1,866, due to its nonresidential setting and limited service hours.

Home Care

$5,148

Home Health Care

$5,243

Adult Day Health Care

$1,866

Assisted Living

$8,145

Nursing Home Care (semiprivate room)

$11,650

Financial Assistance for Home Care in Trenton, 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 Trenton, NJ

Trenton provides convenient access to city, county and state programs and services that support homebound seniors and their caregivers. The capital city’s dedicated offices for senior services provide assistance with obtaining in-home care, home-delivered meals, heating and energy assistance and home accessibility improvements.

ResourceContactService
City of Trenton - Office on Aging(609) 989-3303A unit of the Division of Community Relations and Social Services, the Office on Aging provides free senior services to Trenton residents aged 60 and older. It conducts home visits for homebound seniors and provides information and referrals to community resources. It also offers assistance with completing application forms for programs such as health insurance, Social Security, Lifeline, rental assistance, home energy assistance and tax benefits. This agency operates four senior centers and provides transportation services for medical and dental appointments, grocery shopping and other urgent needs.
Mercer County Office On Aging / Aging and Disability Resource Connection(609) 989-6661Mercer County’s Office on Aging is also the ADRC for Trenton seniors aged 60+, providing free information and assistance on home and community-based services, Medicaid and Medicare benefits, long-term care planning, caregiver support and other aging-related matters. It facilitates the NJ Screen for Community Services, which determines the clinical and financial eligibility of Medicaid applicants.
Meals on Wheels Mercer County(609) 695-3483Serving homebound seniors aged 60 and older, Meals on Wheels of Mercer County offers comprehensive nutrition services, which include daily home-delivered meals, monthly nonperishable groceries, inclement-weather blizzard boxes, and holiday meals. Recipients also benefit from nutrition counseling, friendly visits and safety checks, farmers market vouchers and biweekly pet food bags.
Trenton Urgent Rehabilitation Program(609) 815-2519TURP provides financial assistance of up to $5,000 to cover home repairs and accessibility improvements that benefit eligible low-income Trenton homeowners. Accessibility improvements for the elderly include installation of wheelchair ramps, grab bars and ADA toilets. TURP also covers repairs or replacement of heaters, plumbing, electrical systems, sewers and severely leaking roofs.
Isles LIHEAP, USF and Weatherization Assistance Programs(609) 341-4744Isles, Inc. administers the Low Income Home Energy Assistance Program, Universal Service Fund and Weatherization Assistance Program for eligible homebound seniors in Trenton. LIHEAP helps low-income homeowners and renters pay for heating and medically necessary cooling costs, while USF reduces natural gas and electric costs. Weatherization covers energy-efficient installation services to help reduce utility costs.

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

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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

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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