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... by State - New Jersey


Placement Referral Help for Seniors Divider

State Guru

 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.
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Bookmark seniorresource.com before clicking on any of our many links so you can come back to find more information!

After Mom Moves

After Mom Moves

After Mom Moves
AFTER MOM MOVES

Are you trying to manage the resources from afar?

  You may benefit from Seniors Real Estate Coordination
- Property preparation for sale - Estate clean out - No hassle transitions
- Communication with family & professional advisors - Home sale and closing
To contact a Seniors Real Estate Professional click HERE
NO extra fees or obligation

Agencies on Aging

Agencies on Aging

Department of Community Affairs
Division on Aging
101 South Broad Street CN 807
Trenton, NJ 08625-0807
1.800.792.8820
609.984.3951


Alzheimers
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Alzheimer's Communities Regulations


Alzheimer's Unit requirements are not separately specified
Department of Health,
Division of Long-Term Care Systems, Development, and Quality
609.633.9060



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Apartments for Seniors

    Highland Park

AHEPA Highland Apartments

239 South 6th Avenue
Highland Park, New Jersey 08904
(732) 572-0700

AHEPA-Highland Apartments is an exciting community offering affordable one and two bedroom apartments for adults age 55 or older. Conveniently located near the local senior center, we provide access to a full array of amenities and services, so that you feel comfortable and cared for. If you are looking to join a community of friends, neighbors, and staff who care, AHEPA-Highland is the right choice for you!

Now accepting applications
for the waiting list!

www.coniferliving.com

 


    Jackson
Westlake Mews
100 Muirfield Road
Jackson, New Jersey 08527
732.928.3323
    Offering 150 affordable 1- and 2-bedroom apartments with balconies,
    in a state-of-the-art 2-story "L" shaped building in
    the planned community of Westlake Village.
    The community features acres of open space
    walking trails, Wellness Center, Bocci Court
    and a Community Center.

Now Leasing, Hurry, CALL NOW!”
www.coniferliving.com



Assisted Living Regulations divider

Assisted Living Regulations

Assisted Living Regulatory Information
Department of Health,
Division of Long-Term Care Systems,
Development and Quality
609.633.9060

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).



Elder Law and estate planning divider

Attorneys: Elder Law and Estate Planning


Levine, Furman & Smeltzer, LLC
Attorneys at Law

F-3 Brier Hill Court
East Brunswick, NJ 08816
732.238.6000

email us

Offering services for Elder Law, protecting your assets from Nursing Home Cost, Medicaid applications, Estate and Tax Planning, Wills, Living Trusts, Powers of Attorney, Living Wills, Estate Administration and IRS dispute resolution

Legal services include New Jersey & New York Attorneys



Award Winning HMO's divider

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.



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Directories Senior Housing Options divider

Directories - Senior Housing Options

Assisted Living

Housing Directory

medical supplies divider

Drug Savings Programs and Medical Aids

Find Low Drug Prices

Save money! Compare prescription drug prices for 1,000+ medications. You'll also see online pharmacy ratings and shipping fees so you can compare total costs.

Find Low Drug Prices from Verified Pharmacies
 
compare drug prices


seniorresource.com

For information on your state's prescription drug assistance program-
800.792.9745
Program benefits and eligibility varies by state.

Medigap and Medicare Insurance Divider

Health Insurance Counseling and Advocacy Program (HICAP)

Need help with the Medicare Maze?
Every state has a Health Insurance Counseling and Advocacy Program
to help understand Medicare coverage, payments and Medigap Insurance options.
Note: Toll free numbers often work only from within the state.
From out of state? Use the other number, when provided.
1.800.792.8820
For more counseling information visit www.medicare.gov

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Independent Living

    Denville

    St. Francis Residential
    Denville, N.J.

        • Alternative to Assisted Living
        • Short and Long Term Rental Options
    independent living divider

    AFFORDABLE INDEPENDENT SENIOR LIVING
    an alternative to assisted living short term (Respite) and long term options

    • Private room and suite rentals include meals
         and housekeeping services
    • Studio, one bedroom and two bedroom apartments
    • Convenient to shopping and medical services
    • Gourmet meals in restaurant style dining room
    • Medical Transportation
    • Social Activities • Chaplain and Daily Mass

    Visit our website at www.saintfrancisres.com
    or contact us at 973-627-5000 or 1-866-420-4178
    for more information or to schedule a personal tour.


auto insurance Divider

Insurance: Automobile

All Web Leads USinsurance.com

Auto Insurance

cost effective auto insurance

life insurance divider

Insurance: Life

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.

 

Medicaid does not give you choices! Learn How to Protect your Loved Ones with Long Term Care Insurance

Annuities 401K rollovers investments Divider

Return to top

Investments: Annuities, 401K Rollovers



Assisted Living Communities

Assisted Living Communities

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.


Assisted  Living Communities

Assisted Living Communities

Assisted 
                Living Communities
Community
Address
City
ST
ZIP
    

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Moving Help and Supplies

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:

Estimates
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.

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
.

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.

Inventory List
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

Moving Quote

Get state regulator help:

Division of Law and Public Safety, Office of Consumer Affairs - Regulated Business Section973-504-6442

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Nursing Homes

The State Department of Health has an
on-line posting of ratings
of 332 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.

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Real Estate Agents: Buy or Sell

Interested in Buying or Selling
a Home or Condo?

Whenever possible your inquiry goes to a Specialist trained to work with seniors from over 800 such specialists in our International referral network.

Having a Professional Specialist contact you, is just a click away! Fill out the inquiry form and we do the rest.



Medicare Insurance Divider

Reverse Mortgages

Financial Freedom

Senior Funding Corporation

is the largest originator and servicer of reverse mortgages in the USA, allowing you to keep ownership of your home (you don't sign it over to the bank). 

With a government-insured, government-regulated reverse mortgage, you can convert some of your equity into tax-free cash, without ever having to make a payment as long as you live in your home.
Contact us:
Financial Freedom Senior Funding Corporation
Sparta, New Jersey

973-726-0548


Aging in Place

Aging In Place

Aging in Place "Aging in place" is growing older without having to move. Aging in place with supportive services is one of the most desirable ways of aging. Aging in place can achieve efficiencies enabled by the customized care. Successful aging in place approaches focus on the provision of the most appropriate care for the specific individual. Thus avoiding wasted costs brought on by a "generic" care model.

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.

Universal Design: A Step-by-Step Guide to Modifying Your Home for Comfortable, Accessible Living
The book, Universal Design: A Step-by-Step Guide to Modifying Your Home for Comfortable, Accessible Living by Barbara Krueger and Nika Stewart is a good place to start.With the book as a guide you can plan ahead for years before you critically need the advantages offered by the ideas in the book.

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.


Aging in Place

Aging In Place Contractors

Aging In Place
Company
Address
City
ST
ZIP
    
Medicare Insurance Divider

State Department of Insurance

Insurance regulations differ from state to state.
Need help with an insurance company provider?
Want to know who writes Medigap insurance in your state?
Contact: Insurance Department
20 West State Street
Roebling Building
CN325
Trenton, NJ 08625
609.292.5363


Medicare Insurance Divider

Taxes

  • 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.

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