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.

Spectrum for Living Intermediate Care Facility

Overview of Spectrum for Living Intermediate Care Facility

Spectrum for Living Intermediate Care Facility in Closter, NJ, is a non-profit nursing home that offers long-term care, rehabilitation, and skilled nursing. Here, older adults can feel at ease, accompanied by a nurturing and welcoming environment. With 24-hour care, recreational programs, and nutritious meals, residents can focus on their recovery and wellness. Through personalized care plans, residents receive the utmost attention and care tailored to their unique needs and habits.

Social gatherings, light exercises, and local tris encourage residents to try new interests and make friends. With specially designed amenities and spacious rooms, residents can relax and move around comfortably. Located next to a recreation area in Closter, the community guarantees a stress-free retirement. This nursing home is a good option for senior living in New Jersey, especially with its top-tier services.

(201) 358-8000

What does this home offer?

Housing Options: Private / Semi-Private Rooms

Building Type: Single-story

Dining Services

Social and Recreational Activities

Personal Care Assistance

Rehabilitative Support

On-site Medical Care and Health Services

Types of Care at Spectrum for Living Intermediate Care Facility

Nursing Home

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).

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

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.

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.

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).

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.

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.

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.

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.

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

Home Energy Assistance Program (LIHEAP)

New Jersey LIHEAP

Age 60+ prioritized

General NJ resident, low-income household.

Income Limits (2025) ~$3,970/month individual, 185% FPL

Asset Limits Not assessed; income-focused.

Covers oil, gas, electric; emergency aid available.

Benefits

Heating/cooling aid ($300-$1,000/season) Emergency fuel ($450 max)

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.

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

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)

0.8 miles from city center Estimated distance in miles from Covina's city center to Spectrum for Living Intermediate Care Facility's address, calculated via Google Maps.

Quick search

Calculate Travel Distance to Spectrum for Living Intermediate Care Facility

Add your location

Penalty History

Penalties are imposed by CMS for violations of federal nursing home regulations.

No penalties in the past 3 years

No civil money penalties or payment denials were reported in the last 3 years.

Compare Nursing Homes around Old Tappan

3 facilities compared · CMS & NJ Dept. of Health data · Updated Apr 2026

Filter by care type


Harmony Village at CareOne Valley		AL Assisted Living A licensed, long-term care setting for seniors or individuals with disabilities who need help with daily activities — like bathing, dressing, and medication management — but not 24-hour skilled nursing. Offers housing, meals, and around-the-clock support while aiming to maximize resident independence. IL Independent Living Lifestyle-focused communities for older adults offering dining, activities, and transportation with minimal personal care. Best for active, independent seniors who want community without medical support. MC Memory Care Secured, specialized care for people living with Alzheimer's or dementia. Staff trained in cognitive impairment, with higher staff-to-resident ratios and an environment designed to reduce confusion and wandering risk. NH Nursing Home Licensed facility providing 24/7 skilled nursing care for residents with complex, ongoing medical needs. Staffed by RNs, LPNs, and CNAs. Inspected and star-rated annually by CMS. Accepts Medicare (short-term rehab) and Medicaid (long-term care).	Westwood	98	72.1%	-6%	3.40				-1%	-12%	1	6	1.5	83	56	Millenium Health Care Centers Ii, Llc	$23.6M	$8.1M	34.2%	315369
Spectrum for Living Intermediate Care Facility	-	NH Nursing Home Licensed facility providing 24/7 skilled nursing care for residents with complex, ongoing medical needs. Staffed by RNs, LPNs, and CNAs. Inspected and star-rated annually by CMS. Accepts Medicare (short-term rehab) and Medicaid (long-term care).	Covina (Walnut Valley)	60	-	-	-	-	-	-	-	-	0	0	0.0	-	-	-	-	-	-	-
CareOne at Hackensack University Medical Center	-	AL Assisted Living A licensed, long-term care setting for seniors or individuals with disabilities who need help with daily activities — like bathing, dressing, and medication management — but not 24-hour skilled nursing. Offers housing, meals, and around-the-clock support while aiming to maximize resident independence. IL Independent Living Lifestyle-focused communities for older adults offering dining, activities, and transportation with minimal personal care. Best for active, independent seniors who want community without medical support. MC Memory Care Secured, specialized care for people living with Alzheimer's or dementia. Staff trained in cognitive impairment, with higher staff-to-resident ratios and an environment designed to reduce confusion and wandering risk. NH Nursing Home Licensed facility providing 24/7 skilled nursing care for residents with complex, ongoing medical needs. Staffed by RNs, LPNs, and CNAs. Inspected and star-rated annually by CMS. Accepts Medicare (short-term rehab) and Medicaid (long-term care).	Camarillo	-	-	-	-	-	-	-	-	-	0	0	0.0	-	-	-	-	-	-	-

Harmony Village at CareOne Valley

Overall Rating:

Type of care: AL IL MC NH

Community:Location: Westwood

Bed Count: 98

Occupancy: 72.1%

Occupancy vs State Avg: -6%

Nurse hrs per resident/day: 3.4

Health Insp Rating:

Staffing Rating:

QM Rating:

-1%

Staffing vs State Avg: -12%

Number of Fines: 1

Citations: 6

Citations per Inspection: 1.5

Avg Residents/Day: 82.50

Operator: Millenium Health Care Centers Ii, Llc

Home Revenue: $23,620,606.00

Payroll Costs: $8,074,893.00

Payroll %: 34.2%

CCN: 315369

Spectrum for Living Intermediate Care Facility

Type of care: NH

Community:Location: Covina (Walnut Valley)

Bed Count: 60

Citations per Inspection: 0.0

CareOne at Hackensack University Medical Center

Type of care: AL IL MC NH

Community:Location: Camarillo

Citations per Inspection: 0.0

Nursing Home Explorer

Guides for Better Senior Living

Care Cost Calculator: See Prices in Your Area

Nursing Home Data Explorer

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

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

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

Spectrum for Living Intermediate Care Facility

Nursing Home in Old Tappan

Nursing Home in Old Tappan