... by State - New Jersey

• After Mom Moves
• Agencies on Aging
• Aging in Place
• Aging in Place Contractors
• Alzheimer's Communities Regulations
• Apartments for Seniors
• Assisted Living Communities
• Assisted Living Regulations
• Attorneys: Elder Law and Estate Planning
• Mercer County
• Middlesex County
• Award Winning HMOs
• Directories - Senior Housing Options
• Drug and Prescription Savings and Medical Aids
• Health Insurance Counseling and Advocacy Program
• Housing Guides/Publications
• Independent Living Communities
• Insurance: Auto
• Insurance: Life
• Insurance: Long Term Care
• Investments: Annuities, 401K Rollovers
• Moving Help and Supplies
• Nursing Homes
• Real Estate Agents: Buy or Sell
• Reverse Mortgages
• State Department of Insurance
• Taxes

	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 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

Alzheimer's Communities Regulations

Apartments for Seniors

Highland Park

Jackson

Assisted Living Regulations

Attorneys: Elder Law and Estate Planning

• Mercer County

• Middlesex County

Award Winning HMOs

Directories - Senior Housing Options

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

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

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 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.

Insurance: Automobile

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.

 

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Investments: Annuities, 401K Rollovers

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

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

Get state regulator help:

Division of Law and Public Safety, Office of Consumer Affairs - Regulated Business Section

973-504-6442

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.

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.

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" 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 Contractors

Company

Address

City

ST

ZIP

    

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

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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