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The average cost of assisted living in the county is $7,230 a month. This guide is a starting point covering the cost of assisted living care in the county, as well as financing options to pay for it. You’ll find in-depth information on 11 assisted living facilities in Middlesex County and 30 in surrounding areas.
The Cost of Senior Care in Middlesex County, NJ
Discover a new way to embrace independence in a supportive community for seniors at Heritage of Clara Barton. Our pet-friendly assisted and independent living community is conveniently located in the historic section of Clara Barton in Edison, NJ. The community…
Brookdale Monroe provides our residents with lifestyles, housing, and services in comfortable surroundings combined with exceptional amenities, programs, and care. Through Brookdale's signature Personalized Assisted Living we customize our care offerings for the individual. This allows each assisted living and…
Residents at Brighton Gardens of Edison, found minutes from the New Jersey Turnpike, enjoy nearby attractions like the Menlo Park Mall, farmers’ markets and the adjacent YMCA.
Near ample shopping and dining, Sunrise of East Brunswick combines convenience with expert care in a safe and supportive community that offers gracious living and fun activities.
The Chelsea offers a relaxed setting with both private and semi-private suites where each resident may continue to live each day to their fullest with the maximum amount of independence.
My visit at Sunrise of East Brunswick is fine, and it was actually a good tour. Everything about the community was great, and it was a fantastic place. The people who live there were all smiling, so I guess everything is good there. I have no complaints or concerns. We were also shown the snack station.Read more Sunrise of East Brunswick reviews
The main thing I remember about Brighton Gardens of Edison was that the parking was horrendous. We had to park across the street in another parking lot. That was enough for me not to want to go in. Everything about the community was fair and standard. The young lady who assisted us was very nice and informative. The ro...Read more Brighton Gardens of Edison reviews
My mother-in-law has moved into Heritage of Clara Barton. I like the layout, and the appearance is really very nice. She has a lovely little one-bedroom. The rooms are not overly large, but I didn't expect them to be given what the place is. The staff certainly has been very friendly, very nice, and very helpful. They ...Read more Heritage of Clara Barton reviews
Heritage of Clara Barton is very large and very nice; however, it is very spread out. My only negative is that it is just so big, it is a lot of walking for people who are elderly. For younger and more active seniors, it is very good. It is in a nice environment where you can walk in the town and they have some restaur...Read more Heritage of Clara Barton reviews
My mother moved into Brookdale Monroe a little over a week ago. The staff and management is wonderful, they take very good care of her. They seem to be very caring to everybody, and the food is good. The only complaint I have is they do not have enough staff in the weekend, they have buzzers, and when you buzz, it does...Read more Brookdale Monroe reviews
According to Genworth’s 2018 Cost of Care study, Middlesex County’s average monthly cost for assisted living is significantly higher than the national average of $4,000 and moderately higher than the state average of $6,065.
At $7,230, Middlesex County has the highest cost for assisted living in the state, especially when compared to smaller cities, such as Ocean City ($4,800) and the Atlantic City Area ($5,100).
Note: Senior care cost data wasn’t available for Middlesex County, so data for the closest city, Trenton, was used.
The Cost of Assisted Living in Surrounding Areas
Determining the cost of senior care involves not only the location but also the level of care. While assisted living in Middlesex County costs 60% more than home care, it also includes rent, utilities and home upkeep that aren’t typically calculated in the cost for home care.
Assisted living in Middlesex County is approximately 50% less than nursing home care, which is the costliest form of senior care available but also the most specialized. Aside from determining the right level of care, it’s important to compare the costs associated with remaining at home with fees for a higher level of care at either a nursing home or assisted living facility.
Senior Care Cost Comparison Chart
Medicaid, a national and state-funded program, offers low-cost or free health care to Americans of any age who qualify. NJ FamilyCare Aged Blind and Disabled Programs, a division of the NJ Department of Human Services, administers Medicaid in New Jersey.
To qualify for Medicaid in New Jersey, single seniors who are permanent residents and United States citizens or qualified Immigrants must have a monthly income that’s equal to or less than 100% of the Federal Poverty Level of $1,012. Medicaid considers income from all sources, including wages, pensions, alimony, SSI payments and interest from investments. Resources are capped at $4,000 for individuals, and couples can earn no more than $1,372 per month and must possess a maximum of $6,000 or less in resources.
Resources are considered in a similar way to income in that all possible sources are counted when determining eligibility. IRAs, bank accounts, life insurance policies, retirement accounts, real estate, and stocks and bonds are some, but not all, of the countable resources. Assets excluded include personal belongings, an automobile, irrevocable burial trusts and the primary residence, provided that the applicant or spouse resides there and it’s valued at $878,000 or less.
Long-Term Services and Supports
LTSS are available for seniors who qualify for Medicaid and wish to remain in their homes or communities, such as an assisted living facility. In addition to meeting Medicaid criteria described above, applicants must require assistance with three or more activities of daily living, such as self-care, bathing or meal preparation. This clinical eligibility is determined by the Division of Aging Services, while financial eligibility, which at $2,250 is slightly higher than the Medicaid cap, is determined through the local County Welfare Agency.
To learn more about New Jersey Medicaid or LTSS, seniors can call (800) 356-1561 or go online to the NJ FamilyCare Aged Blind and Disabled Programs page to complete and submit an application. Completed applications may also be brought to the Middlesex County Board of Social Services.
Assisted Living Bridge Loans
If a senior needs funds quickly to help facilitate a move to assisted living or to bridge the gap in funds before a home is sold, an assisted living bridge loan may be helpful. The Elderlife Bridge loan can be taken as either a lump-sum payment or line of credit. Applications can be completed over the phone, and funds are typically available within 24 hours.
To learn more about assisted living bridge loans, contact Elderlife Financial at (888) 228-4500.
Veterans Aid and Attendance and Housebound Benefits
Veterans and their survivors living in New Jersey who qualify for pension benefits and need assistance to complete daily living tasks may be eligible for Aid and Attendance or Housebound VA benefits. These top-up benefits are paid in addition to regular pension payments; however, any veteran who receives a VA disability pension doesn’t qualify.
To receive the Aid and Attendance benefit, an applicant must meet one of the following conditions:
Applicants seeking Housebound benefits must have a permanent disability that significantly confines them to their homes.
When applying, seniors must include details pertaining to their daily activities and mobility, as well as a doctor’s report and the VA Aid and Attendance and Housebound benefits form. For more information, applicants can contact the Newark Regional Veteran Office at (800) 827-1000.
The Middlesex County Aging and Disability Resource Connection is the local branch of New Jersey’s Area Agency on Aging. This office provides seniors with a broad spectrum of services, including information about all of the senior services located throughout Middlesex County.
Home-delivered meals are available, as is transportation to the eight congregate dining sites that offer entertainment, holiday events, health screenings and, in general, a variety of ways to socialize and connect. Home care and home energy assistance programs are also available for those who meet financial qualifications.
Monmouth County Office of Aging and Disabled Services
75 Bayard St., 5th Fl., New Brunswick, NJ 08901
New Jersey veterans living in Middlesex County can find information about benefits and receive assistance determining eligibility and applying at the Office of Veteran Services. Veterans can also receive a full spectrum of health care, from primary care to lab services to behavioral health, at the local Piscataway VA Clinic.
Office of Veteran Services
75 Bayard St., 2nd Fl., New Brunswick, NJ 08901
Piscataway VA Clinic
14 Wills Way, Building 5, Piscataway, NJ 08854-3770
(732) 981-8193 Ext. 5481
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