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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 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

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


Alzheimer's Communities Regulations

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

senior apartments divider

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!


Westlake Mews
100 Muirfield Road
Jackson, New Jersey 08527
    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!”

Assisted Living Regulations divider

Assisted Living Regulations

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

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).

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Attorneys: Elder Law and Estate Planning

Levine, Furman & Smeltzer, LLC
Attorneys at Law

F-3 Brier Hill Court
East Brunswick, NJ 08816

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.

drug assistance programs divider

The back button will bring you back to Senior Resource after linking to other sites.

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

For information on your state's prescription drug assistance program-
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.
For more counseling information visit

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Independent Living


    St. Francis Residential
    Denville, N.J.

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

    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
    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

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

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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 .
Annuities For Dummies is a plain-English guide is packed with the latest information on choosing the best annuity for your retirement needs. You'll find out exactly what annuities are, whether they're the right financial vehicle for you, and which of the many annuity options might have your name on it. You'll learn the ins and outs of using annuities to fund your retirement years, figure out whether to stress investments with insurance or insurance with investments, and find out how the right combination of annuities can help you squeeze more income out of your savings that any other financial tool. Discover how to:

  • Identify the main types of annuities
  • Weigh the pros and cons of annuities for yourself
  • Minimize the complexity of your annuity investment
  • Figure out how much money to commit
  • Avoid common annuity pitfalls
  • Create an income you can't outlive


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 i

Skilled Nursing Facilities

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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 Divider

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

                Living Communities

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


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 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
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
Trenton, NJ 08625

Medicare Insurance Divider


  • 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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