Spring Hills Somerset

View Senior Homes with the Steepest Discounts and Best Pricing View Senior Homes with the Steepest Discounts and Best Pricing

473 Demott Ln, Somerset, NJ 08873

Email: [email protected]

Phone: +1 732-873-4800

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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.

View Senior Homes with the Steepest Discounts and Best Pricing

View Nursing Home Government Data: Salaries, Revenues, Room Occupancy, Ownership, etc.

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

Assisted Living Costs Broken Down: Rent, Meals, Care & More

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.