Elderlife
Independent Living & Home Care · Paterson, NJ

Elderlife

Independent Living & Home Care · Paterson, NJ

Managed by Judith S. Parnes

Executive Director

Judith S. Parnes serves as the Executive Director of Elder Life Management, leading a team of experienced professionals dedicated to the well-being of their clients. Under her leadership, the team provides comprehensive services including geriatric care management, Medicaid application assistance, and psychotherapy counseling, striving to exceed client expectations with compassionate and diligent care.

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Address 63.8 miles from city center Info Estimated distance in miles from Tinton Falls's city center to Elderlife's address, calculated via Google Maps. — 7.73 miles to nearest hospital (Fresenius Medical Care at Monmouth Acute)

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Financial Assistance for
Independent Living in New Jersey

Elderlife is located in Tinton Falls, New Jersey.
Here are the financial assistance programs available to residents in New Jersey.

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Managed Long Term Services and Supports

NJ Medicaid MLTSS

Age 65+ or disabled
General 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

High urban demand; managed care model.

Benefits
In-home care (5-7 hours/day) Assisted living Respite (240 hours/year) Medical services

JACC (Jersey Assistance for Community Caregiving)

NJ JACC

Age 60+
General New Jersey resident, at risk of nursing home.
Income Limits ~$2,500/month individual, varies
Asset Limits $40,000 individual
NJ

Higher asset limit; limited funding.

Benefits
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

Age 65+
General 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

Copays $5 (generic), $7 (brand); covers Part D premiums up to benchmark.

Benefits
Prescription cost reduction ($500-$1,000/year savings) Premium assistance ($20/month above benchmark)

Senior Gold Prescription Discount Program

New Jersey Senior Gold

Age 65+
General 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

Copays $15 + 50% of remaining cost; no premium assistance.

Benefits
Prescription cost reduction (~$300-$800/year savings)

Medicare Savings Program (MSP)

New Jersey Medicare Savings Program

Age 65+ or disabled
General 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

Three tiers; no waitlist; includes Extra Help for Part D.

Benefits
Covers Part B premiums ($174.70/month) Deductibles ($240/year) Copays (~20%)

Senior Freeze (Property Tax Reimbursement)

New Jersey Senior Freeze

Age 65+ by Dec 31 prior year
General NJ resident, homeowner, paid property taxes.
Income Limits (2025) ~$150,000/year combined household, projected
Asset Limits Not assessed; home ownership required.
NJ

Combines with ANCHOR/Stay NJ via PAS-1; annual application.

Benefits
Tax reimbursement (~$500-$2,000/year) for increases since base year

ANCHOR (Affordable NJ Communities for Homeowners and Renters)

New Jersey ANCHOR

Age 65+ prioritized
General NJ resident, homeowner/renter, paid property taxes/rent.
Income Limits (2025) ~$150,000/year (homeowners), ~$75,000/year (renters).
Asset Limits Not assessed.
NJ

Combines with Senior Freeze/Stay NJ; broader than prior Homestead program.

Benefits
Tax relief (~$700-$1,500/year homeowners, ~$250-$450 renters)

Stay NJ

New Jersey Stay NJ

Age 65+ by Dec 31 prior year
General 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

Up to 50% tax credit (max $6,500); phased implementation.

Benefits
Tax credit (~$3,000-$6,500/year, projected) starting 2026

Universal Service Fund (USF)

New Jersey Universal Service Fund

Age 65+ prioritized
General NJ resident, utility customer, low-income.
Income Limits (2025) ~$3,970/month individual, 185% FPL
Asset Limits Not assessed; income-focused.
NJ

Must owe >$25 on bill; combines with LIHEAP if eligible.

Benefits
Bill credits (~$300-$1,500/year) to cap energy costs at 6% of income

NJ Family Caregiver Support Program (via NFCSP)

New Jersey Family Caregiver Support Program

Age
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

21 AAAs; rural/low-income priority.

Benefits
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

Age 65+ or disabled veteran/spouse
General 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

High veteran demand in urban/rural areas.

Benefits
Cash (~$1,433-$2,642/month veteran, ~$951-$1,318 spouse) for care costs (e.g., in-home, assisted living)

Frequently Asked Questions about Elderlife

Is Elderlife in a walkable area?

Elderlife has a walk score of 34. Somewhat walkable. A few nearby services may be reachable on foot, but most trips require transportation.

What is the phone number of Elderlife?

(888) 228-4500 will put you in contact with the team at Elderlife.

Is Elderlife Medicare or Medicaid certified?

Elderlife is not currently listed as a CMS-certified provider of Medicare or Medicaid.

Guides for Better Senior Living

Care Cost Calculator: See Prices in Your Area

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

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