Accelerate Skilled Nursing And Rehab Piscataway

Accelerate Skilled Nursing And Rehab Piscataway is a Nursing Home in New Jersey

Accelerate Skilled Nursing And… is a Nursing Home in New Jersey

Accelerate Skilled Nursing And Rehab Piscataway

Piscataway, NJ 08854 View Map

Accelerate Skilled Nursing And Rehab Piscataway is a Nursing Home in New Jersey

Accelerate Skilled Nursing And… is a Nursing Home in New Jersey

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Overview of Accelerate Skilled Nursing And Rehab Piscataway
Accelerate Skilled Nursing and Rehabilitation Piscataway in Piscataway, NJ is a state-of-the-art, post-hospital rehabilitation facility. This rehabilitation facility offers specialized transitional care and has a hydro-therapy pool. Everything is designed to help patients recover so they can get back home as soon as possible.
(732) 917-2900

Quality ratings

Measured by Centers for Medicare & Medicaid Services (CMS)

Nurse hours per resident 4.10/day
Overall rating Info Official CMS rating based on health inspections, staffing and quality measures.
1/5
Health Inspection Info Official CMS rating based on deficiencies found during state health inspections.
1/5
Staffing Info Official CMS rating based on nurse staffing hours per resident per day.
2/5
Quality Measures Info Official CMS rating based on clinical outcomes for residents.
4/5

Capacity and availability

Medium-capacity home

Offers a balance of services and community atmosphere.

Total beds 124

This home usually has availability

Lower occupancy suggests more openings may be available.

Lower demand than the New Jersey average
Occupancy rate 39%
Residents per day (avg) 99
Occupancy rate
39%
Residents per day (avg)
99

Who this home usually serves

TYPE OF STAY

Mix of rehab and long-term care

This home supports both short-term rehab and long-term care, with residents staying for a wide range of durations.

Breakdown by payment type

Medicare

48% of new residents, usually for short-term rehab.

Typical stay 26 days

Private pay

51% of new residents, often for short stays.

Typical stay 17 days

Medicaid

1% of new residents, often for long-term daily care.

Typical stay 4 years

Finances and operations

Proprietary home
Corporation
Home revenue
$12.2M
Operating loss
-$6.2M
Proprietary home Corporation
Home revenue
$12,176,839.00
Operating loss
$-6,179,716.00
Payroll costs Info The portion of the home's budget spent on staff, including nurses, caregivers, and other employees who support care and operations.
$3.6M
29.6% of revenue
Other operating costs Info All remaining costs needed to run the home, such as food, utilities, building maintenance, supplies and administrative expenses.
$14.8M
Total costs $18.4M
Bed community size
124-bed community
A larger shared setting that may offer more common spaces and organized community services.

About this community

License Status
Active
Facility Type
Long Term Care Facility

Additional licensing details

License number: 12056
CMS Certification Number: 315522

Ownership & operating entity

Accelerate Skilled Nursing And Rehab Piscataway is administrated by Mr. JESSE ROSENBLATT.

Owner name: SKILES AVE & STERLING DR URBAN RENEWAL OPERATI

Safety & Compliance

Care Services

Accepts Medicare
Doctor on Staff
Nursing Services
Rehabilitation Services
Skilled Nursing
Licensed Nurses/CNAs
24-Hour Staffing
Short-Term Rehab

Amenities & Lifestyle

Private rooms
TVs and Internet Access
Lounges and activity areas
Full-service dining options
Phone for each guest/resident
Housekeeping services
Physicians and Nurse Practitioners 7 days per week
Physical
Occupational and Speech Therapists 7 days per week
Cardiac
Pulmonary and Orthopedic focused rehabilitation
Private European Bathrooms in each suite
Bistros
Restaurant-style dining
42" high definition televisions
Cable and movie channels
Salon and spa services
Computers
laptops and IPADs
Elegant lounge areas
Hydroworx Pool
Religious
educational and cultural activities
State-of-the-art theater

Programs & Activities

Specific Programs
Short-Term Care

Access & Eligibility

Ways to qualify for care at this community, including accepted programs and payment options.

Medicare Accepted

This facility is certified for eligible Medicare services.

Payment & Funding Options

Medicare

Inspection History

In New Jersey, the Department of Health, Health Facilities Evaluation and Licensing conducts mandatory unannounced surveys to ensure facilities provide safe and effective resident care.

11 visits/inspections

Results

44 with citations

0 without citations

Comparison Chart

The information below is reported by the New Jersey Department of Health, Health Facilities Evaluation and Licensing.
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Accelerate Skilled Nursing And Rehab Piscataway
SNF

Nursing Home 24/7 care needed

AL

Assisted Living For seniors needing help with daily tasks but not full-time nursing.

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Places of interest near Accelerate Skilled Nursing And Rehab Piscataway

Address 0.0 miles from city center

Address Piscataway, NJ 08854

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Address

Staffing Data

Source: CMS Payroll-Based Journal (Q2 2025)

170
Total Staff
131
Employees
39
Contractors
43,537
Total Hours (Quarter)
57
Avg Staff/Day
8.4
Avg Shift (hrs)
Nursing Staff Breakdown
Role Count Avg Shift (hrs) Uses Contractors?
Registered Nurse1410.4 Yes
Licensed Practical Nurse379.6 No
Certified Nursing Assistant768.1 Yes
Staff by Category
Administration
1 staff
8hs shift avg
Nursing Staff
129 staff
8.6hs shift avg
Physicians & Practitioners
5 staff
8hs shift avg
Therapy Services
25 staff
7.3hs shift avg
Activities & Recreation
0 staff
0hs shift avg
Social Services
4 staff
6.4hs shift avg
Dietary Services
3 staff
7.4hs shift avg
Other Services
3 staff
6.8hs shift avg
Contractor Analysis
10.3%
of total hours from contractors
4,493 contractor hours this quarter
Certified Nursing Assistant: 5 Registered Nurse: 5 Respiratory Therapy Technician: 7 Physical Therapy Aide: 7 Qualified Social Worker: 4 Physical Therapy Assistant: 5 Occupational Therapy Aide: 3 Speech Language Pathologist: 2 Occupational Therapy Assistant: 1
Role Employees Contractors Total Staff Total Hours Days Worked % of Days Avg Shift (hrs)
Certified Nursing Assistant7157621,29491100%8.1
Licensed Practical Nurse370379,88291100%9.6
Registered Nurse95143,45191100%10.4
Respiratory Therapy Technician0771,2957684%7.3
Physical Therapy Aide0771,2148088%7.7
Clinical Nurse Specialist4041,0335965%8
RN Director of Nursing2028486268%8
Physical Therapy Assistant0557226774%7.1
Dental Services Staff2025096369%6.1
Occupational Therapy Aide0335076369%7.1
Qualified Social Worker0444976470%6.4
Other Dietary Services Staff2024946470%7.1
Mental Health Service Worker1014515864%7.8
Administrator1014325459%8
Nurse Practitioner1014245358%8
Dietitian1012883640%8
Speech Language Pathologist0221371820%7.6
Occupational Therapy Assistant01160910%6.7

Health Inspection History

Source: CMS Health Citations (Oct 2020 – Aug 2025)

5
Inspections
34
Total Citations
3
Critical (J-L)
0
Serious (G-I)
6.8
Citations/Inspection
Aug 2025
Last Inspection
Citation Severity Distribution
Minor (A-C)
0
Moderate (D-F)
31
Serious (G-I)
0
Critical (J-L)
3
What do these levels mean?
Top Deficiency Categories
Infection Control
8
24% of total
Quality of Life & Care
6
18% of total
Pharmacy Services
4
12% of total
Resident Rights
3
9% of total
Abuse, Neglect & Exploitation
2
6% of total
Administration
1
3% of total
Citation Sources
Standard Inspections 31
Complaint Investigations 8
State Comparison (NJ)
Citations
34
New Jersey average: 20.9
Critical Citations
3
New Jersey average: 0.7
Recent Citations (Last 3 Years)
DateSeverity ?CategoryTagStatus
Aug 08, 2025 D Quality of CareF0686 Corrected
Aug 08, 2025 D Resident RightsF0573 Corrected
Dec 02, 2024 E Abuse/NeglectF0607 Corrected
Dec 02, 2024 D Abuse/NeglectF0609 Corrected
Dec 02, 2024 E Infection ControlF0880 Corrected
Dec 02, 2024 D Infection ControlF0883 Corrected
Dec 02, 2024 E Infection ControlF0887 Corrected
Dec 02, 2024 D Nursing ServicesF0725 Corrected
Dec 02, 2024 F NutritionF0812 Corrected
Dec 02, 2024 D PharmacyF0759 Corrected
Dec 02, 2024 E Quality of CareF0677 Corrected
Dec 02, 2024 E Quality of CareF0686 Corrected
Dec 02, 2024 D Quality of CareF0695 Corrected
Dec 02, 2024 D Care PlanningF0641 Corrected
Dec 02, 2024 E Care PlanningF0658 Corrected
Dec 02, 2024 E Resident RightsF0550 Corrected
Feb 15, 2024 E Resident RightsF0623 Corrected
Jan 13, 2023 L AdministrationF0835 Corrected
Jan 13, 2023 L Infection ControlF0880 Corrected
Jan 13, 2023 D Infection ControlF0881 Corrected
Jan 13, 2023 D Infection ControlF0885 Corrected
Jan 13, 2023 L Infection ControlF0886 Corrected
Jan 13, 2023 F Nursing ServicesF0730 Corrected
Jan 13, 2023 F NutritionF0812 Corrected
Jan 13, 2023 E PharmacyF0756 Corrected
Jan 13, 2023 F PharmacyF0761 Corrected
Jan 13, 2023 E Quality of CareF0686 Corrected
Jan 13, 2023 E Quality of CareF0688 Corrected
Jan 13, 2023 E Care PlanningF0656 Corrected
Jan 13, 2023 E Care PlanningF0658 Corrected
Oct 14, 2020 D Infection ControlF0880 Corrected
Oct 14, 2020 F NutritionF0812 Corrected
Oct 14, 2020 D PharmacyF0756 Corrected
Oct 14, 2020 D Care PlanningF0658 Corrected

Facility Characteristics

Source: CMS Long-Term Care Facility Characteristics (Data as of Jan 2026)

Ownership: For-Profit LLC
Part of: Genesis
Resident Census by Payment Source
75 Total Residents
Medicare 22 (29.3%)
Medicaid 45 (60%)
Private Pay/Other 8 (10.7%)
Programs & Services
Residents' Group
Family Member Group
Family Engagement

Active councils help families stay involved in care decisions and facility operations.

Quality Measures

CMS quality measures assess care quality for long-stay and short-stay residents. Lower percentages generally indicate better outcomes for most measures.

Source: CMS Nursing Home Compare (Data as of Jan 2026)

High-Risk Clinical Events
7.6 Score
11% worse than avg New Jersey avg: 6.8

Composite score based on pressure ulcers, falls with injury, weight loss, walking ability decline, and ADL decline

Functional Decline
12.5 Score
Near average New Jersey avg: 12.4

Composite score based on ADL decline, walking ability decline, and incontinence

Long-Stay Resident Measures

Measures for residents who stay 101 days or more. For most measures, lower percentages indicate better care.

Need for Help with Daily Activities Increased
11.6%
Lost Too Much Weight
4.6%
Urinary Tract Infection
1.0%
Depressive Symptoms
10.6%
Falls with Major Injury
1.4%
Pneumococcal Vaccine
89.5%
Antipsychotic Use
8.8%
Walking Ability Worsened
9.5%
Influenza Vaccine
75.0%
High Risk Residents with Pressure Ulcers
10.6%
Low Risk Long-Stay Residents with Bowel/Bladder Incontinence
16.3%
Short-Stay Resident Measures

Measures for residents who stay 100 days or less (typically rehabilitation patients).

Pneumococcal Vaccine
51.1% 35% worse than avg New Jersey: 78.9%
Short-Stay Residents Who Received a New Antipsychotic Medication
1.1% 6% better than avg New Jersey: 1.2%
Influenza Vaccine
56.5% 29% worse than avg New Jersey: 80.1%

Penalties & Fines

Federal penalties imposed by CMS for regulatory violations, including civil money penalties (fines) and denials of payment for new Medicare/Medicaid admissions.

Source: CMS Penalties Database (Data as of Jan 2026)

Total Fines $228K New Jersey avg: $77K 196% worse than avg
Number of Fines 1 New Jersey avg: 2.0
Compared to New Jersey Average Facility: $228K | New Jersey Avg: $77K
Penalty History

Showing all 1 penalties (Jan 2023 - Jan 2023)

Jan 13, 2023 Civil Money Penalty
$228K

Guides for Better Senior Living

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Claim What’s Yours: Financial Aid for New Jersey Seniors

Program
State Program Name
Eligibility
Benefits
Managed Long Term Services and Supports
  • General: Age 65+ or disabled, New Jersey resident, Medicaid- eligible, nursing home-level care need.
  • Income Limits (2025): ~$2,829/month (300% FBR, individual).
  • Asset Limits: $2,000 (individual), $3,000 (couple).
  • NJ Specifics: High urban demand; managed care model.
  • Services: In-home care (5-7 hours/day), assisted living, respite (240 hours/year), medical services.
JACC (Jersey Assistance for Community Caregiving)
  • General: Age 60+, New Jersey resident, at risk of nursing home.
  • Income Limits: ~$2,500/month (individual, varies).
  • Asset Limits: $40,000 (individual).
  • NJ Specifics: Higher asset limit; limited funding.
  • Services: In-home care (3-5 hours/week), respite (up to 10 days/year), home modifications (~$1,000 avg.).
Pharmaceutical Assistance to the Aged and Disabled (PAAD)
  • General: Age 65+, NJ resident, enrolled in Medicare Part D or eligible.
  • Income Limits (2025): ~$42,142/year (individual), ~$49,209/year (couple).
  • Asset Limits: Not assessed.
  • NJ Specifics: Copays $5 (generic), $7 (brand); covers Part D premiums up to benchmark.
  • Services: Prescription cost reduction ($500-$1,000/year savings), premium assistance ($20/month above benchmark).
Senior Gold Prescription Discount Program
  • General: Age 65+, NJ resident, enrolled in Medicare Part D or eligible.
  • Income Limits (2025): ~$42,142-$52,142/year (individual), ~$49,209-$59,209/year (couple).
  • Asset Limits: Not assessed.
  • NJ Specifics: Copays $15 + 50% of remaining cost; no premium assistance.
  • Services: Prescription cost reduction (~$300-$800/year savings).
Medicare Savings Program (MSP)
New Jersey Medicare Savings Program
Official government program page
  • General: Age 65+ or disabled, NJ resident, Medicare Part A/B.
  • Income Limits (2025): ~$2,510/month (QMB), ~$3,380/month (SLMB), ~$3,598/month (QI)—individual.
  • Asset Limits: $9,430 (individual), $14,130 (couple).
  • NJ Specifics: Three tiers; no waitlist; includes Extra Help for Part D.
  • Services: Covers Part B premiums ($174.70/month), deductibles ($240/year), copays (~20%).
Senior Freeze (Property Tax Reimbursement)
New Jersey Senior Freeze
Official government program page
  • General: Age 65+ by Dec 31 prior year, NJ resident, homeowner, paid property taxes.
  • Income Limits (2025): ~$150,000/year (combined household, projected).
  • Asset Limits: Not assessed; home ownership required.
  • NJ Specifics: Combines with ANCHOR/Stay NJ via PAS-1; annual application.
  • Services: Tax reimbursement (~$500-$2,000/year) for increases since base year.
ANCHOR (Affordable NJ Communities for Homeowners and Renters)
  • General: Age 65+ prioritized, NJ resident, homeowner/renter, paid property taxes/rent.
  • Income Limits (2025): ~$150,000/year (homeowners), ~$75,000/year (renters).
  • Asset Limits: Not assessed.
  • NJ Specifics: Combines with Senior Freeze/Stay NJ; broader than prior Homestead program.
  • Services: Tax relief (~$700-$1,500/year homeowners, ~$250-$450 renters).
Stay NJ
  • General: Age 65+ by Dec 31 prior year, NJ resident, homeowner, lived in home 10+ years.
  • Income Limits (2025): ~$500,000/year (projected, subject to final regs).
  • Asset Limits: Not assessed; home ownership required.
  • NJ Specifics: Up to 50% tax credit (max $6,500); phased implementation.
  • Services: Tax credit (~$3,000-$6,500/year, projected) starting 2026.
Universal Service Fund (USF)
New Jersey Universal Service Fund
Official government program page
  • General: Age 65+ prioritized, NJ resident, utility customer, low-income.
  • Income Limits (2025): ~$3,970/month (individual, 185% FPL).
  • Asset Limits: Not assessed; income-focused.
  • NJ Specifics: Must owe >$25 on bill; combines with LIHEAP if eligible.
  • Services: Bill credits (~$300-$1,500/year) to cap energy costs at 6% of income.
Home Energy Assistance Program (LIHEAP)
  • General: Age 60+ prioritized, NJ resident, low-income household.
  • Income Limits (2025): ~$3,970/month (individual, 185% FPL).
  • Asset Limits: Not assessed; income-focused.
  • NJ Specifics: Covers oil, gas, electric; emergency aid available.
  • Services: Heating/cooling aid ($300-$1,000/season), emergency fuel ($450 max).
NJ Family Caregiver Support Program (via NFCSP)
New Jersey Family Caregiver Support Program
  • General: Caregivers of 60+ needing care or 55+ caregivers of others; NJ resident; functional needs (2+ ADLs).
  • Income Limits (2025): Prioritizes ~$24,980/year (individual); no strict cap.
  • Asset Limits: Not assessed; need-based.
  • NJ Specifics: 21 AAAs; rural/low-income priority.
  • Services: Respite (4-6 hours/week or 5 days/year), adult day care ($60/day), training, supplies (~$500/year).
VA Aid and Attendance (A&A) and Housebound Benefits
New Jersey VA Aid and Attendance/Housebound
  • General: Age 65+ or disabled veteran/spouse, NJ resident, wartime service, need for ADL help (A&A) or homebound.
  • Income Limits (2025): Net income < ~$1,984/month (veteran with dependent, A&A); pension offsets income.
  • Asset Limits: ~$155,356 (net worth limit).
  • NJ Specifics: High veteran demand in urban/rural areas.
  • Services: Cash (~$1,433-$2,642/month veteran, ~$951-$1,318 spouse) for care costs (e.g., in-home, assisted living).

Claim What’s Yours Financial Aid for New Jersey Seniors

NJ Medicaid MLTSS

Managed Long Term Services and Supports

Requirements:
  • General:
    Age 65+ or disabled, New Jersey resident, Medicaid- eligible, nursing home-level care need.
  • Income Limits (2025):
    ~$2,829/month (300% FBR, individual).
  • Asset Limits:
    $2,000 (individual), $3,000 (couple).
  • NJ Specifics:
    High urban demand; managed care model.
Benefits without Contact:
  • Services: In-home care (5-7 hours/day), assisted living, respite (240 hours/year), medical services.
NJ JACC

JACC (Jersey Assistance for Community Caregiving)

Requirements:
  • General:
    Age 60+, New Jersey resident, at risk of nursing home.
  • Income Limits:
    ~$2,500/month (individual, varies).
  • Asset Limits:
    $40,000 (individual).
  • NJ Specifics:
    Higher asset limit; limited funding.
Benefits without Contact:
  • Services: In-home care (3-5 hours/week), respite (up to 10 days/year), home modifications (~$1,000 avg.).
New Jersey PAAD

Pharmaceutical Assistance to the Aged and Disabled (PAAD)

Requirements:
  • General:
    Age 65+, NJ resident, enrolled in Medicare Part D or eligible.
  • Income Limits (2025):
    ~$42,142/year (individual), ~$49,209/year (couple).
  • Asset Limits:
    Not assessed.
  • NJ Specifics:
    Copays $5 (generic), $7 (brand); covers Part D premiums up to benchmark.
Benefits without Contact:
  • Services: Prescription cost reduction ($500-$1,000/year savings), premium assistance ($20/month above benchmark).
New Jersey Senior Gold

Senior Gold Prescription Discount Program

Requirements:
  • General:
    Age 65+, NJ resident, enrolled in Medicare Part D or eligible.
  • Income Limits (2025):
    ~$42,142-$52,142/year (individual), ~$49,209-$59,209/year (couple).
  • Asset Limits:
    Not assessed.
  • NJ Specifics:
    Copays $15 + 50% of remaining cost; no premium assistance.
Benefits without Contact:
  • Services: Prescription cost reduction (~$300-$800/year savings).
New Jersey Medicare Savings Program

Medicare Savings Program (MSP)

Requirements:
  • General:
    Age 65+ or disabled, NJ resident, Medicare Part A/B.
  • Income Limits (2025):
    ~$2,510/month (QMB), ~$3,380/month (SLMB), ~$3,598/month (QI)—individual.
  • Asset Limits:
    $9,430 (individual), $14,130 (couple).
  • NJ Specifics:
    Three tiers; no waitlist; includes Extra Help for Part D.
Benefits without Contact:
  • Services: Covers Part B premiums ($174.70/month), deductibles ($240/year), copays (~20%).
New Jersey Senior Freeze

Senior Freeze (Property Tax Reimbursement)

Requirements:
  • General:
    Age 65+ by Dec 31 prior year, NJ resident, homeowner, paid property taxes.
  • Income Limits (2025):
    ~$150,000/year (combined household, projected).
  • Asset Limits:
    Not assessed; home ownership required.
  • NJ Specifics:
    Combines with ANCHOR/Stay NJ via PAS-1; annual application.
Benefits without Contact:
  • Services: Tax reimbursement (~$500-$2,000/year) for increases since base year.
New Jersey ANCHOR

ANCHOR (Affordable NJ Communities for Homeowners and Renters)

Requirements:
  • General:
    Age 65+ prioritized, NJ resident, homeowner/renter, paid property taxes/rent.
  • Income Limits (2025):
    ~$150,000/year (homeowners), ~$75,000/year (renters).
  • Asset Limits:
    Not assessed.
  • NJ Specifics:
    Combines with Senior Freeze/Stay NJ; broader than prior Homestead program.
Benefits without Contact:
  • Services: Tax relief (~$700-$1,500/year homeowners, ~$250-$450 renters).
New Jersey Stay NJ

Stay NJ

Requirements:
  • General:
    Age 65+ by Dec 31 prior year, NJ resident, homeowner, lived in home 10+ years.
  • Income Limits (2025):
    ~$500,000/year (projected, subject to final regs).
  • Asset Limits:
    Not assessed; home ownership required.
  • NJ Specifics:
    Up to 50% tax credit (max $6,500); phased implementation.
Benefits without Contact:
  • Services: Tax credit (~$3,000-$6,500/year, projected) starting 2026.
New Jersey Universal Service Fund

Universal Service Fund (USF)

Requirements:
  • General:
    Age 65+ prioritized, NJ resident, utility customer, low-income.
  • Income Limits (2025):
    ~$3,970/month (individual, 185% FPL).
  • Asset Limits:
    Not assessed; income-focused.
  • NJ Specifics:
    Must owe >$25 on bill; combines with LIHEAP if eligible.
Benefits without Contact:
  • Services: Bill credits (~$300-$1,500/year) to cap energy costs at 6% of income.
New Jersey LIHEAP

Home Energy Assistance Program (LIHEAP)

Requirements:
  • General:
    Age 60+ prioritized, NJ resident, low-income household.
  • Income Limits (2025):
    ~$3,970/month (individual, 185% FPL).
  • Asset Limits:
    Not assessed; income-focused.
  • NJ Specifics:
    Covers oil, gas, electric; emergency aid available.
Benefits without Contact:
  • Services: Heating/cooling aid ($300-$1,000/season), emergency fuel ($450 max).
New Jersey Family Caregiver Support Program

NJ Family Caregiver Support Program (via NFCSP)

Requirements:
  • General:
    Caregivers of 60+ needing care or 55+ caregivers of others; NJ resident; functional needs (2+ ADLs).
  • Income Limits (2025):
    Prioritizes ~$24,980/year (individual); no strict cap.
  • Asset Limits:
    Not assessed; need-based.
  • NJ Specifics:
    21 AAAs; rural/low-income priority.
Benefits without Contact:
  • Services: Respite (4-6 hours/week or 5 days/year), adult day care ($60/day), training, supplies (~$500/year).
New Jersey VA Aid and Attendance/Housebound

VA Aid and Attendance (A&A) and Housebound Benefits

Requirements:
  • General:
    Age 65+ or disabled veteran/spouse, NJ resident, wartime service, need for ADL help (A&A) or homebound.
  • Income Limits (2025):
    Net income < ~$1,984/month (veteran with dependent, A&A); pension offsets income.
  • Asset Limits:
    ~$155,356 (net worth limit).
  • NJ Specifics:
    High veteran demand in urban/rural areas.
Benefits without Contact:
  • Services: Cash (~$1,433-$2,642/month veteran, ~$951-$1,318 spouse) for care costs (e.g., in-home, assisted living).