Area Agencies on Aging in New Jersey

Complete Guide to Area Agencies on Aging in New Jersey (2026)

Last updated: January 06, 2026

If You Need Emergency Help

Call 911 immediately if you or someone you know is in immediate danger, experiencing a medical emergency, or being abused or neglected.

For urgent aging or disability assistance:

• New Jersey Aging & Disability Resource Connection (ADRC): 1-877-222-3737 – Statewide information and assistance
• Adult Protective Services: Contact your local county AAA – Report elder abuse, neglect, or exploitation
• Crisis Text Line: Text HOME to 741741 – Free, confidential support
• National Suicide Prevention Lifeline: 988 – Mental health crisis support
• NJ 2-1-1: Dial 2-1-1 – General emergency resources and assistance

For immediate food and financial assistance:

• Contact your county Area Agency on Aging for emergency food programs
• NJ SNAP (Food Stamps): 1-800-792-9773 – Food assistance applications
• NJ Save: 1-800-792-9745 – Help with Medicare costs and prescription assistance

Key Takeaways

• New Jersey has 21 Area Agencies on Aging (AAAs) – one in each county
• All AAAs also function as Aging & Disability Resource Centers (ADRCs) – your single entry point for help
• Services are free or low-cost for seniors 60+ and people with disabilities of any age
• No income requirements for basic information and assistance services
• Call 1-877-222-3737 to connect with ADRC services statewide
• County-based structure allows for locally tailored services and programs
• Managed Long Term Services and Supports (MLTSS) helps eligible individuals receive care at home through Medicaid
• Strong emphasis on aging in place with comprehensive community-based services

What Are Area Agencies on Aging in New Jersey?

New Jersey operates a unique aging services system with 21 Area Agencies on Aging (AAAs) – one designated for each county. This county-based approach allows each AAA to tailor services to the specific needs, demographics, and resources of their local community while maintaining consistency through state oversight.

Unlike many other states where AAAs serve multiple counties or large regions, New Jersey’s model ensures that each county has dedicated aging services leadership that understands local conditions, from the urban challenges of Hudson and Essex counties to the rural needs of Salem and Sussex counties.

Each AAA serves as the primary entity responsible for developing comprehensive, coordinated systems of community-based services for older adults in their county. AAAs don’t typically provide services directly; instead, they coordinate and contract with local providers including nonprofits, healthcare organizations, and community groups to deliver services where you live.

All of New Jersey’s AAAs also function as Aging & Disability Resource Centers (ADRCs) through the statewide ADRC initiative. This means you can contact any AAA for help with aging, disability, or caregiving questions regardless of your age, income, or specific situation.

The New Jersey Division of Aging Services (DoAS), part of the Department of Human Services, provides oversight, funding, and technical assistance to all AAAs while ensuring compliance with federal and state requirements.

New Jersey’s 21 County Area Agencies on Aging

Note: Contact information may change. Always verify current details by calling 1-877-222-3737 for ADRC services.

Core Services Provided by New Jersey AAAs

Information and Assistance

Every AAA provides comprehensive information and assistance to help you navigate available services and understand your options. Trained staff can help with:

• Explanation of programs and services available in your county and statewide
• Eligibility requirements and application assistance for various programs
• Benefits counseling for Medicare, Medicaid, Social Security, and other programs
• Referrals to appropriate agencies and community resources
• Connection to services based on your specific needs and preferences

Information and assistance services are available to anyone who contacts an AAA, regardless of age, income, or eligibility for other programs.

Nutrition Programs

AAAs coordinate comprehensive nutrition programs designed to address food insecurity while promoting social engagement among older adults.

Congregate Meals: Nutritious meals served at senior centers, community centers, religious institutions, and other gathering places throughout each county. These programs provide more than nutrition – they offer opportunities for socialization, health education, and information about other services. Suggested donations are typically $3-5 for participants 60+, but no one is denied meals for inability to contribute.

Home-Delivered Meals: For seniors who are homebound or have difficulty accessing congregate meal sites, AAAs coordinate home-delivered meal programs. Volunteers and professional staff deliver hot, frozen, or shelf-stable meals directly to homes, typically 1-7 days per week depending on need and program capacity.

Specialized Nutrition Services: Many AAAs offer nutrition counseling, special diet accommodations, and nutrition education programs to help seniors maintain healthy eating habits.

Transportation Services

Transportation is essential for accessing healthcare, shopping, and social activities. AAAs address transportation needs through various programs:

Medical Transportation: Priority transportation for medical appointments, dialysis, therapy, and other health-related trips. Services may include van transportation, voucher programs for taxis or ride services, and volunteer driver programs.

General Transportation: Scheduled transportation for essential activities like grocery shopping, banking, pharmacy visits, and social activities. Service frequency and destinations vary by county based on population density and available resources.

NJ Transit Reduced Fare Programs: AAAs help seniors access reduced-fare programs for buses, trains, and light rail services throughout New Jersey.

Reality Check: Transportation availability varies significantly between counties. Urban counties typically offer more frequent service, while rural counties may have limited options and longer wait times.

Legal Assistance

AAAs provide free legal assistance for seniors 60+ in civil matters that affect their health, safety, and economic well-being. Common legal issues include:

• Medicare and Medicaid problems and appeals
• Social Security benefit issues and disability claims
• Housing matters (landlord-tenant disputes, foreclosure prevention)
• Consumer protection (scams, fraud, identity theft)
• Estate planning basics (wills, advance directives, powers of attorney)
• Family law issues affecting seniors (guardianship, elder abuse)
• Public benefit applications and appeals

Legal services are provided by staff attorneys, contracted legal aid organizations, and volunteer lawyers throughout New Jersey.

State Health Insurance Assistance Program (SHIP)

New Jersey’s SHIP provides free, unbiased counseling to help Medicare beneficiaries understand their options and resolve problems. SHIP counselors are volunteers trained in health insurance coverage and benefits. Services include:

• Medicare enrollment assistance and plan comparisons
• Medicare Supplement (Medigap) plan guidance
• Medicare Part D prescription drug plan selection
• Medicare Advantage plan reviews and annual open enrollment help
• Appeals assistance for denied claims
• Help understanding Medicare statements and bills
• Assistance with Medicare fraud reporting

SHIP counselors operate in all 21 counties and have no financial interest in insurance sales, ensuring completely objective advice.

Case Management and Care Coordination

For individuals with complex needs, AAAs provide case management services to help coordinate multiple services and navigate the healthcare system. Case managers:

• Conduct comprehensive assessments of needs, goals, and preferences
• Develop individualized care plans with input from clients and families
• Connect individuals with appropriate services and benefits
• Monitor situations over time and adjust services as needs change
• Advocate on behalf of clients with service providers and agencies
• Coordinate with healthcare providers, family members, and informal caregivers

Family Caregiver Support

AAAs operate comprehensive Family Caregiver Support Programs to assist family members caring for older adults or people with disabilities. Services include:

Information and Education: Training workshops on caregiving techniques, stress management, understanding chronic conditions, navigating the healthcare system, and planning for the future.

Support Groups and Counseling: Peer support groups and individual counseling to help caregivers cope with the emotional, physical, and financial challenges of caregiving.

Respite Care: Temporary care services that give family caregivers breaks from their caregiving responsibilities. Options include in-home companions, adult day programs, and short-term residential care.

Supplemental Services: Limited funding for items and services not covered by other programs, such as assistive devices, home modifications, emergency response systems, or caregiver supplies.

Medicaid Programs for Long-Term Care in New Jersey

New Jersey has transitioned from traditional Medicaid waiver programs to an innovative managed care system for long-term services and supports.

Managed Long Term Services and Supports (MLTSS)

New Jersey’s MLTSS program provides comprehensive long-term care services for eligible individuals through a managed care system. Unlike traditional waiver programs with waiting lists, MLTSS does not have enrollment caps.

Services Include:

• Personal care assistance and homemaker services
• Adult day health programs
• Assisted living services (in approved facilities)
• Respite care for caregivers
• Home modifications and assistive technology
• Personal emergency response systems
• Transportation to medical appointments
• Care management and service coordination

Eligibility Requirements:

• Must be New Jersey Medicaid eligible
• Must require nursing facility level of care
• Must choose to receive services in the community instead of a nursing facility
• Income limits: $2,829/month for individuals in 2025
• Asset limits: $2,000 for individuals, with spousal protections available

How MLTSS Works:

• Services are provided through Medicaid Managed Care Organizations (MCOs)
• No waiting lists for services
• Person-centered care planning
• Choice of providers within MCO networks
• Quality monitoring and care coordination

NJ FamilyCare Comprehensive Waiver

This Section 1115 demonstration combines several previous waiver programs under a single authority, expanding managed care to include long-term services and supports.

Target Population: Children and adults with any form of disability, including physical disability, developmental disability, AIDS, brain injury, and mental health challenges.

Key Features:

• Managed care delivery system
• Expanded home and community-based services
• Integration of acute and long-term care
• No enrollment caps for most services

Personal Preference Program

For eligible individuals receiving personal care services through Medicaid, family members can be hired and paid to provide care through this program. This allows for greater flexibility and family involvement in care delivery.

Special Population Services

Veterans and Their Families

New Jersey has a significant veteran population, and AAAs coordinate with the New Jersey Department of Military and Veterans Affairs and VA Medical Centers to ensure veterans receive all earned benefits.

Veteran-Specific Services:

• Assistance applying for VA benefits and healthcare
• Transportation to VA medical appointments
• Help with VA pension and disability claims
• Connection to VA home and community-based services
• Coordination with county veteran service officers

Key Resources:

• New Jersey Department of Military and Veterans Affairs: (609) 530-6854
• VA Medical Centers in East Orange, Lyons, and Menlo Park
• County Veterans Service Officers in all 21 counties
• Veterans Crisis Line: 988 (Press 1)

LGBTQ+ Seniors

New Jersey has strong non-discrimination protections, and AAAs provide services to all eligible individuals regardless of sexual orientation or gender identity.

What to Expect:

• All AAA staff receive diversity and inclusion training
• Services cannot be denied based on sexual orientation or gender identity
• Complaints about discrimination can be filed with AAAs or state civil rights agencies
• Some counties offer LGBTQ+-specific programming and support groups

Resources:

• Garden State Equality: New Jersey’s leading LGBTQ+ advocacy organization
• SAGE National LGBTQ+ Elder Hotline: 1-877-360-LGBT (5428)
• Local PFLAG chapters may offer senior-specific programming

Immigrant and Limited English Proficiency Seniors

New Jersey’s diverse population includes many seniors with limited English proficiency. AAAs provide culturally competent services and language assistance.

Language Support:

• Interpretation services available in multiple languages
• Bilingual staff in many counties
• Translated materials for common languages
• Cultural competency training for AAA staff

Immigrant-Specific Considerations:

• Help understanding public benefit eligibility rules
• Assistance with naturalization and citizenship applications
• Connection to culturally appropriate services
• Advocacy for immigrant rights and benefits

Seniors with Disabilities

All AAAs serve people with disabilities regardless of age through their ADRC functions. Services are designed to promote independence and community integration.

Disability-Specific Services:

• Assistive technology assessments and training
• Home modifications for accessibility
• Independent living skills training
• Benefits counseling for disability programs
• Advocacy for disability rights and accommodations
• Connection to vocational rehabilitation services

Rural Seniors

New Jersey’s rural counties (like Salem, Sussex, and Cumberland) face unique challenges including limited public transportation, fewer service providers, and geographic isolation.

Rural-Specific Adaptations:

• Mobile service delivery and outreach programs
• Volunteer driver programs for long-distance trips
• Telehealth and virtual support services
• Partnerships with rural hospitals and clinics
• Flexible service delivery schedules
• Creative transportation solutions

How to Access Services

Step 1: Contact Your County AAA or the Statewide ADRC

Call 1-877-222-3737 to reach the statewide Aging & Disability Resource Connection, or contact your county AAA directly using the phone numbers listed in the directory above.

Step 2: Initial Screening and Information Gathering

AAA staff will conduct an initial screening to understand:

• Your current situation and immediate needs
• What type of assistance you’re seeking
• Your county of residence
• Basic demographic and insurance information
• Whether you need urgent assistance or ongoing services

This conversation typically takes 15-20 minutes and helps staff determine the best way to assist you.

Step 3: Comprehensive Assessment (If Needed)

For ongoing services, MLTSS eligibility, or complex situations, you may need a comprehensive assessment. This assessment can be conducted:

• Over the phone for some services
• At the AAA office
• In your home if you’re homebound or have mobility limitations

Assessments evaluate your:

• Physical and cognitive abilities
• Safety and living situation
• Social support system and family involvement
• Financial resources and insurance coverage
• Service preferences and goals
• Cultural and language needs

Step 4: Service Planning and Authorization

Based on your assessment, AAA staff will:

• Explain available services and programs in your county
• Assist with benefit applications (Medicaid, Medicare, etc.)
• Develop an individualized service plan
• Make referrals to appropriate providers
• Help you choose providers if options are available
• Schedule ongoing services and follow-up

Step 5: Ongoing Support and Monitoring

AAAs provide continuing support through:

• Regular check-ins with case managers
• Annual reassessments for MLTSS participants
• Assistance accessing new services as needs change
• Problem-solving and advocacy when issues arise
• Care plan updates and service adjustments

Costs and Financial Assistance

Free Services

These services are available at no cost to participants:

• Information and assistance through AAAs and ADRC
• SHIP counseling and Medicare assistance
• Legal consultations and basic legal services
• Case management and care coordination
• Family caregiver support and education
• Adult protective services

Low-Cost Services with Suggested Donations

These services typically have suggested donations but participants cannot be denied for inability to pay:

• Congregate meals ($3-5 suggested donation)
• Home-delivered meals ($3-6 suggested donation per meal)
• Transportation services ($2-5 suggested donation per trip)

Income-Based Services

Some services use sliding fee scales based on income:

• In-home personal care services (private pay)
• Adult day programs
• Respite care services
• Home modifications and assistive devices

Insurance and Medicaid Coverage

Many services can be covered through:

• Medicaid MLTSS program (for eligible individuals)
• Medicare (for medically necessary services)
• Private insurance plans
• Veterans benefits
• Other federal and state programs

Financial Reality: Even free services have capacity limits due to funding constraints. Some services may have waiting lists during high-demand periods. However, New Jersey’s MLTSS system eliminates waiting lists for most Medicaid-funded long-term care services.

Quality Assurance and Your Rights

Program Standards

All AAAs must meet federal and state standards for:

• Staff qualifications and ongoing training requirements
• Service quality and safety protocols
• Financial management and accountability
• Non-discrimination and civil rights compliance
• Confidentiality and privacy protections
• Cultural competency and language access

Oversight and Monitoring

AAAs are monitored by:

• New Jersey Division of Aging Services
• Federal Administration for Community Living
• Independent auditors and quality assurance teams
• County governments (as AAAs are county agencies)
• Consumer advisory councils and stakeholder groups

Complaint Process

If you have concerns about AAA services:

1. Talk to your service provider first – Many issues can be resolved quickly at the direct service level
2. Contact the AAA supervisor or director – Each AAA has procedures for handling complaints
3. File a complaint with the Division of Aging Services – Contact (609) 588-3601 for state-level review
4. Contact the Long-Term Care Ombudsman – Call 1-877-222-3737 for nursing home and assisted living complaints
5. File with state agencies – New Jersey Department of Human Services handles serious violations

Your Rights as a Service Recipient

You have the right to:

• Be treated with dignity, respect, and cultural sensitivity
• Receive services without discrimination based on race, ethnicity, religion, gender, sexual orientation, or disability
• Have your personal information kept confidential
• Participate in decisions about your care and services
• Be informed about available services and eligibility requirements
• File complaints without fear of retaliation
• Receive services that meet professional standards
• Access interpretation services when needed

Regional Service Characteristics

Frequently Asked Questions (FAQs)

How does New Jersey’s county-based AAA system compare to other states?

New Jersey’s system of 21 county-based AAAs is unique in that each AAA serves exactly one county, allowing for highly localized services. Unlike states with regional AAAs covering multiple counties, this structure means your AAA staff understand your specific community’s resources, challenges, and demographics. However, it can also mean less consistency in services between neighboring counties.

What’s the difference between AAAs and ADRC services in New Jersey?

In New Jersey, your county AAA and ADRC are the same organization. All 21 AAAs function as ADRCs, meaning they serve people of all ages with disabilities, not just seniors. Whether you call your AAA directly or dial the statewide ADRC number (1-877-222-3737), you’ll reach the same local office that can help with aging, disability, and caregiving issues.

I keep hearing about MLTSS – how is this different from traditional Medicaid nursing home coverage?

MLTSS (Managed Long Term Services and Supports) is New Jersey’s innovative approach to Medicaid long-term care. Instead of separate waiver programs with waiting lists, MLTSS provides comprehensive services through managed care organizations with no enrollment caps. This means if you’re eligible for Medicaid and need nursing home level care, you can receive services at home without waiting for a waiver slot to open up.

Can family members be paid to provide care in New Jersey?

Yes, through the Personal Preference Program, eligible family members can be hired and paid to provide personal care services to their loved ones receiving Medicaid-funded care. This program allows for greater flexibility and keeps care within the family while ensuring quality standards are met.

What if I need services but my income is too high for Medicaid?

Even if you don’t qualify for Medicaid, many AAA services are available regardless of income, including information and assistance, SHIP counseling, legal services, and family caregiver support. For ongoing care services, you may be able to access sliding-fee programs or use NJ Save to help with Medicare and prescription costs.

How do I know which services are available in my specific county?

Since each county tailors its services to local needs, the best way to learn about available services is to contact your county AAA directly. They maintain detailed knowledge of local providers, waiting times, and special programs. You can also visit your county’s website or request a resource directory from your AAA.

What languages are AAA services available in?

New Jersey AAAs provide interpretation services in multiple languages based on local demographics. Counties with large Spanish, Korean, Chinese, or other language communities often have bilingual staff or regular interpretation services. Interpretation is provided at no cost – just request language assistance when you call.

My parent lives in one county but I live in another – which AAA should I contact?

Contact the AAA in the county where your parent lives, as that’s where they’ll receive services. However, you can also contact your own county’s AAA for general information and guidance. Many AAAs are happy to help family caregivers regardless of where they live, especially for education and support services.

Do AAA services continue if I move to a different county in New Jersey?

Services don’t automatically transfer when you move between counties. You’ll need to contact the AAA in your new county to re-establish services. However, your assessment information and care history can usually be shared between AAAs to speed up the process. If you’re receiving MLTSS services, your managed care organization can help coordinate the transition.

What should I do if I’m not satisfied with my AAA’s services?

Start by discussing your concerns directly with your service provider or AAA staff. If that doesn’t resolve the issue, ask to speak with a supervisor or the AAA director. Each AAA has formal complaint procedures. You can also contact the Division of Aging Services at (609) 588-3601 or the statewide ADRC at 1-877-222-3737 for additional assistance.

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Disclaimer

Program details, contact information, and services can change without advance notice. While this guide uses the most current available information as of January 2026, we strongly recommend verifying all details directly with your county Area Agency on Aging or the New Jersey Division of Aging Services before making decisions or applying for services.

This guide is for informational purposes only and does not constitute professional legal, medical, or financial advice. Always consult with qualified professionals for advice specific to your situation.

For the most current information, contact:

• NJ Aging & Disability Resource Connection: 1-877-222-3737
• NJ Division of Aging Services: 1-800-792-8820
• Your county Area Agency on Aging

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About This Guide

Researched and Compiled by Grants for Seniors

This guide has been carefully researched using publicly available government resources and official program websites. We systematically review federal and state program information to create comprehensive, accurate guides for older Americans seeking grant opportunities.

Our Sources: All information comes from official sources including federal agency websites (HHS, ACL, CMS), New Jersey state government departments, official program documentation, and verified nonprofit organization resources.

Verification Process: Each program listing undergoes thorough online verification by cross-referencing information across multiple official sources, checking current program status, verifying contact information, and confirming eligibility requirements and deadlines.

Information Currency:
• Last Updated: January 2026
• Sources Verified: January 2026
• Next Review: April 2026

Important Note: Government programs can change without advance notice. While this guide uses the most current available information, we strongly recommend verifying all details directly with program administrators before applying.

Found an Error? If you discover outdated information or additional programs that should be included, please contact us at info@grantsforseniors.org.

Disclaimer: This guide is for informational purposes only and does not constitute professional advice. Always confirm program details with official sources before applying.

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This resource is independently researched to help seniors access available financial assistance programs.