Jewish Federation Towers

Article: How to get Medicare and Medicaid to Pay for Assisted Living

0.6 miles from city center

Description

Peacefully settled in Irvington, NJ, Jewish Federation Towers is a welcoming senior living community that offers an apartment-type independent living environment to its residents. Committed to providing a safe and secure environment where residents can enjoy their retirement years according to their own terms, the community carefully designed their accommodations with their residents’ unique safety and living needs in mind. Conveniently located near the vibrant downtown, the community also offers easy access to life amenities.

The gated entrance keeps unwanted visitors from getting in, ensuring residents a comfortable living environment. Convenient services are also offered to free residents from the common hassles of living and give them more free time to spend with their family and friends, or on the things they love and enjoy–guaranteeing a relaxed and fulfilling living experience.

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Details

What does this place offer?

Building Type High-rise

Types of Care Available

Independent Living

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

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

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

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

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

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

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

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

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

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

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

Eligibility

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

Services: In-home care (5-7 hours/day), assisted living, respite (240 hours/year), medical services.

NJ JACC

JACC (Jersey Assistance for Community Caregiving)

Eligibility

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

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)

Eligibility

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

Services: Prescription cost reduction ($500-$1,000/year savings), premium assistance ($20/month above benchmark).

New Jersey Senior Gold

Senior Gold Prescription Discount Program

Eligibility

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

Services: Prescription cost reduction (~$300-$800/year savings).

New Jersey Medicare Savings Program

Medicare Savings Program (MSP)

Eligibility

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

Services: Covers Part B premiums ($174.70/month), deductibles ($240/year), copays (~20%).

New Jersey Senior Freeze

Senior Freeze (Property Tax Reimbursement)

Eligibility

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

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

New Jersey ANCHOR

ANCHOR (Affordable NJ Communities for Homeowners and Renters)

Eligibility

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

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

New Jersey Stay NJ

Stay NJ

Eligibility

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

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

New Jersey Universal Service Fund

Universal Service Fund (USF)

Eligibility

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

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

New Jersey LIHEAP

Home Energy Assistance Program (LIHEAP)

Eligibility

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

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)

Eligibility

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

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

Eligibility

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.