What government services provide money for senior housing?

Several government programs offer financial assistance for senior housing in various countries, focusing on the United States for a broad overview: Medicaid: Medicaid is a state and federally funded program that can cover the costs of nursing home care for those who meet eligibility criteria, including income and asset limits. Some states also offer Medicaid waivers that help pay for home and community-based services to prevent or delay nursing home placement. Medicare: Medicare, primarily a health insurance program for people aged 65 and over, does not cover long-term housing costs. However, it can cover short-term stays in a skilled nursing facility under specific conditions following a hospital stay. Section 202 Supportive Housing for the Elderly Program: This program provides housing for low-income seniors. It offers rental assistance and access to supportive services, such as cleaning, cooking, and transportation. Low-Income Housing Tax Credit (LIHTC) Properties: While not a direct subsidy, LIHTC encourages developers to create affordable housing. Seniors with low incomes can find reduced-rent apartments through this program. State and Local Programs: Many states, counties, and cities offer their own programs to assist seniors with housing costs. These can include property tax relief programs, rental assistance programs, and programs that offer affordable senior housing options. Veterans Affairs (VA): The VA offers several programs for veterans, including the Aid and Attendance benefit, which provides monthly payments to veterans who require the aid of another person, or are housebound, to help cover the cost of care in homes, nursing homes, and assisted living facilities. Social Security: While Social Security primarily provides retirement income, for many seniors, these benefits are a crucial part of their budget, including housing costs.

How do you pick the homes you recommend?

Before recommending homes, we conduct a thorough evaluation on crucial factors that define a senior home such as the quality of care they provide, the reputation of the organization, and a comprehensive review of community testimonials as well. Every detail is assessed to assure that seniors are offered not just senior care options, but trustworthy homes where they can experience the care that they deserve.

Do you help families that need Medicaid?

Yes. Assisting families who need Medicaid is important to us as it plays a crucial role in offering financial support to seniors confronting economic challenges. We would like to keep essential healthcare services accessible to all community members, irrespective of one’s financial circumstances.

How much does this service cost?

We extend our services at no cost, ensuring that families and seniors can benefit from tailored assistance in their search for care and home options. Our ability to offer personalized guidance without charge to families and seniors is made possible through the support and funding from the communities with which we team up.

What services do you offer?

Finding and ranking the best assisted living facilities Finding and ranking the best nursing homes Finding and ranking the best memory care facilities Our concierge service helps seniors move into the perfect home for them Helping seniors use medicare, medicaid, and other government programs to pay for their homes Helping seniors avoid senior homes that have bad service or fraud Helping seniors avoid senior homes that have bad service or fraud Autobiography & Family History Writing + Research Senior-focused concierge medicine Senior-focused nutritionist Senior-focused personal training Memory care specialists Custom wheelchairs at all price points. Custom hearing aids Cosmetic skincare + dermatology Companionship: We offer in-person and virtual companionship services. Someone engaging to hang out with or talk to on video chat. Senior housing concierge. Our service finds the best senior living options based on your needs, income, and personality.

Virtual Tours & Videos

Check out our photo album Check out our virtual tours Check out our home videos

Resident interviews at our senior living facilities

Check out our resident interviews

Elderlife

One Hovchild Blvd, 4000 NJ-66 Suite 225, Tinton Falls, NJ 07753 View Map

Elderlife is an Independent Living Home in New Jersey

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Overview of Elderlife

Elder Life Management, established in 1987, is a provider of comprehensive services for the elderly and their families, as well as individuals with developmental disabilities and mental health challenges. The organization offers premium home care services, therapeutic counseling, and has earned a robust reputation over a span of more than 20 years. With Elder Life Home Care, one can access quality home healthcare services delivered by compassionate caregivers, thereby creating an environment that resonates with homes for independent living.

Services include personal care, walking and transfer assistance, bathing, dressing, grooming, medication reminders, toileting, incontinence care, safety and fall prevention, wellness monitoring, and lifestyle support. The comprehensiveness of care extends to light housekeeping, meal preparation, laundry, grocery shopping, and running of errands. Transportation services for social and recreational activities, assistance with light exercise and outdoor activity, alongside companionship and community engagement further fortify Elder Life Home Care’s standing as an attractive choice for those seeking homes for independent living.

(888) 228-4500 info@elderlife.com

What families are saying

Positive overall impression, with some visitors finding…

Positive overall impression, with some visitors finding the place memorable and worth visiting.

Home Information Elderlife

Walk Score: 34 / 100

Somewhat walkable. A few nearby services may be reachable on foot, but most trips require transportation.

Types of Care at Elderlife

Home Care

One Hovchild Blvd, 4000 NJ-66 Suite 225, Tinton Falls, NJ 07753

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Guides for Better Senior Living

From costs to care, explore the most important topics to make informed decisions about your future.

Guides for Better Senior Living

From costs to care, explore the most important topics to make informed decisions about your future.

Care Cost Calculator: See Prices in Your Area

Nursing Home Data Explorer

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Don’t Wait Too Long: 7 Red Flag Signs Your Parent Needs Assisted Living Now

The Real Cost of Assisted Living in 2025

The True Cost of Assisted Living in 2025 – And How Families Are Paying For It

A Guide to Senior Living Costs & Discounts

Understanding Senior Living Costs: Pricing Models, Discounts & Financial Assistance

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

Program

State Program Name

Eligibility

Benefits

Managed Long Term Services and Supports

NJ Medicaid MLTSS

Official government program page

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)

NJ JACC

Official government program page

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)

New Jersey PAAD

Official government program page

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

New Jersey Senior Gold

Official government program page

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)

New Jersey ANCHOR

Official government program page

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

New Jersey Stay NJ

Official government program page

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)

New Jersey LIHEAP

Official government program page

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.

Official Program Page

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.).

Official Program Page

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).

Official Program Page

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).

Official Program Page

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%).

Official Program Page

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.

Official Program Page

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).

Official Program Page

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.

Official Program Page

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.

Official Program Page

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).

Official Program Page

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.