On this state page you will find resources, senior housing, and senior lifestyle opportunities. Such items address Seniors' needs from Active Communities to Assisted Living along with Insurance, Medical and Financial Planning information.
We attempt to keep the state unique information current. To accomplish this we encourage individuals to become a state "guru".
If you are aware of any changes that need to be made or might want to become a guru with its related rewards, please let us know via the email or address at the bottom of this page.
After Mom Moves
AFTER MOM MOVES
Agencies on Aging
| Department of Community
Division on Aging
101 South Broad Street CN 807
Trenton, NJ 08625-0807
Alzheimer's Communities Regulations
Alzheimer's Unit requirements are not separately specified
Department of Health,
Division of Long-Term Care Systems, Development, and Quality
Apartments for Seniors
239 South 6th Avenue
Now accepting applications
100 Muirfield Road
Assisted Living Regulations
Assisted Living Regulatory Information
Assisted Living Residences/Comprehensive Personal Care Homes. An Assisted Living Residence provides apartment-style housing and congregate dining and assures that assisted living services are available when n3eded. Residences (new construction), comprehensive personal care (converted/residential boarding home), and assisted living programs (services provided).
Award Winning HMOs
Find out if any HMOs in your area rank in the top 50.
HealthMatrix Research Inc. ranks HMOs, provides price comparisons, tips to ask when shopping for an HMO and answers to Frequently Asked Questions. The site provides cost comparisons for over 200 Medicare health plans in 100 cities; a quick search feature for consumers to locate Medicare health plans; a convenient on-line form for requesting Medicare health plan information. The website does not provide health/medical information except for links to other such websites.
Directories - Senior Housing Options
Drug Savings Programs and Medical Aids
For information on your state's prescription drug assistance program-
Program benefits and eligibility varies by state.
Health Insurance Counseling, Advocacy, and Medicare Help
Need help with the Medicare Maze?
Insurance, Long Term Care
Because of old age, mental or physical illness, or injury, some people find themselves in need of help with eating, bathing, dressing, and other physical activities. Long-term care insurance can help pay for such care in the future. To help protect your financial independence, as you grow older, many Long Term Care Insurance providers have plans that offer comprehensive benefits as well as a proven track record of claims payments and financial stability. You should review all your options carefully.
Annuities Why look into annuities? If you're a Baby Boomer with little or no pension and most of your money in low-interest savings accounts, an annuity may be the key to a secure and comfortable retirement. How can you find out whether an annuity is right for you? Read .
401K Seventy-eight per cent of eligible American employees participate in their company's 401(k) plan, comprising over 40 million workers. The Enron collapse, coupled with new uncertainty in the investing and accounting industries, however, has even longtime 401(k) investors rethinking their approach. This guide explains the basics of 401(k) investing in plain English, showing readers how to manage their accounts, minimize their investment risk and maximize their returns. It discusses the pros and cons of including company stock and helps readers decide whether taking out a loan against their 401(k) is a wise idea. The text explains the difference between a defined contribution and a defined benefit plan, including the pros and cons of each, has sample 401(k) portfolios for various stages of life and contains a retirement calculator formula to know how much you need to save. Read 401k For Dummies
Skilled Nursing Facilities
The type of care that may be administered ONLY BY A NURSING HOME near you, is defined by state regulations. Generally "medical procedures" and assistive acts requiring a nurse to physically "handle" a patient are limited to nursing home providers, when not in a hospital. Changing bandages deep wounds is often only permitted in Nursing Homes as is turning a patient in bed, who cannot turn themselves.
The State Department of Health has an on-line posting of ratings of nursing homes based on a specific list of criteria evaluated during yearly surprise inspections. The criteria for rating, may not be your criteria, but their web site should be a starting point in any search for a NJ nursing home.
Moving and Storage Services
Make sure you have the information you need to protect your memories, money, and belongings from moving problems.
The best defense against moving difficulties is to be informed and aware of your options when choosing a reputable mover. While most household moves go smoothly, there are many pitfalls that you should be aware of. It can also be stressful, even under the best of circumstances. Use the checklist here to help guide you through the moving venture.
A key step is to read and understand all information provided by the mover. These should include the following basic documents as part of your move:
The estimate should clearly describe, in writing, all charges for services the mover will perform. Make sure the estimate is signed by the mover.
Do not accept oral estimates.
Bill of Lading
The bill of lading is a contract between you and the mover and a receipt of your belongings. You should be given a partially completed copy of the bill of lading before the mover leaves the residence at origin.
Order for Service
The order for service is a list of all the services the mover will perform and shows the dates your household goods will be picked up and delivered
The inventory is the receipt showing each item you shipped and its condition. Be sure you receive a written copy of the inventory after your household goods are loaded, and that you agree with its description of your household goods' condition
To resovle moving issues, contact your state regulartory agency below.
Division of Law and Public Safety,
Office of Consumer Affairs
Regulated Business Section
Assisted Living Communities
Your retirement planning should be based on understanding the options associated with Assisted living. As part of a retirement plan these options combine housing, support services and health care, as needed. Assisted living is a retirement service for individuals who require assistance with everyday activities such as meals, medication management or assistance, bathing, dressing and transportation. Some residents may have memory disorders including Alzheimer's, or they may need help with mobility, incontinence or other challenges of senior life. Residents are assessed to determine the level of service they may need. These retirement services generally include: 24/7 supervision, 3 meals a day, housekeeping, transportation, minor medical attention, personal care assistance, security and emergency call, exercise programs, social and educational activities. In addition some Assisted living communities may provide: gardens, libraries, and chapels.
Assisted living communities are operated by both profit and non-profit organizations. Pricing can range from $1000 to over $4,000 per month based on your location. There may be extra fees for special services.
Learn more about Assisted Living Communities here.
Real Estate Agents: Buy or Sell
Interested in Buying or Selling
Aging In Place
An aging in place scenario, creates housing and health care options to provide support as defined by an individualís wishes and efforts to live independently. Aging in place can work best when it is employed as a part of a comprehensive plan for retirement and aging. A key step in implementing aging in place is to make your home aging friendly. As we age we don't hear so well, we sometimes forget or get confused and we can even outlive doctor's predictions about our longevity. So as long as we persist in growing older, why not arrange our homes to accommodate our reality. Incorporate memory triggers into the way we arrange cabinets and counters, add soft fabrics to muffle background noises, change appliances to better accommodate our short-comings.
Here is a book to help you make your homes senior-friendly.
Also visit: the Universal Design Living Laboratory:A National Demonstration Home at http://www.UDLL.com by Rosemarie Rossetti, PhD
If you want to learn more visit our Aging in place section .
Once you have an idea of the changes needed in the home, it is time to discuss the changes with a contractor/builder in your area. Below is a list of of such providers in your area.
State Department of Insurance
Insurance regulations differ from state to state.
Personal Income Tax
Tax Rate Range: 1.4% to 6.37%.
Six income brackets: Lowest is $20,000, highest is $75,000
Personal Exemptions: $1,000 for singles and $2,000 for marrieds,
$1,000 for each individual over 65.
Standard Deduction: 0.
Medical/Dental Deduction Limited to excess of 2% of gross income.
Federal Income Tax Deduction: 0.
Public Pension Exclusion: 62+: $15,000 for singles, $20,000 for marrieds for marrieds filing jointly,Income limits apply.
Private Pension Exclusion: 62+: $15,000 for singles, $20,000 for marrieds for marrieds filing jointly,Income limits apply.
Social Security Exemption: Full.
Sales Tax: 6% (Food, prescription and non-prescription drugs, clothing and footwear exempt)
For further information New Jersey Department of Taxation.