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The 10 Best Home Care Agencies for Seniors in Fort Lee, NJ for 2024

Caring.com offers a free service to help families find senior care and authentic reviews to help you in your decision. On average in Fort Lee, NJ, residents and their loved ones rate In Home Care agencies 5.0 out of 5 stars across the 68 options below.

Home Care Services in Fort Lee, New Jersey

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Paying for Home Care in Fort Lee, NJ

The Cost of Home Care in Fort Lee, NJ

Home care costs in Fort Lee average $4,957 per month, according to Genworth Financial’s 2020 Cost of Care Survey. This is $476 higher than the U.S. median of $4,481 but on par with the statewide average. Costs in Fort Lee are similar to the rates paid in nearby cities. Up the Hudson River in Poughkeepsie, New York, the average cost is identical at $4,957. Costs in Trenton and Atlantic City are slightly less expensive at $4,910 and $4,767 per month, respectively. 

Fort Lee

$4,957

New Jersey

$4,957

United States

$4,481

Trenton

$4,910

Atlantic City

$4,767

Poughkeepsie, NY

$4,957

The Cost of Home Care vs. Other Senior Care Options in Fort Lee, NJ

Other available senior care options in Fort Lee are more and less affordable than home care’s average cost of $4,957. Home health care costs the same, although it costs more in other locations because it also includes limited medical services provided by registered nurses or therapists. Adult day health care is the least expensive option at $1,950 per month. Nursing homes offer the highest level of care outside a hospital setting at an average cost of $11,771. Assisted living is more expensive than home care at an average rate of $5,991 per month.

Home Care

$4,957

Home Health Care

$4,957

Adult Day Health

$1,950

Assisted Living

$5,991

Nursing Home Care (semiprivate room)

$11,771

Financial Assistance for Home Care in Fort Lee, NJ

Given the high cost of in-home care, many people use one or more forms of financial assistance to cover the expenses. Below, we explain some of the most common sources of financial help for paying for in-home care. If none of these options are available to you, you can reach out to your Area Agency on Aging or Aging and Disability Resource Center to learn about local resources.

Long-Term Care Insurance: Long-Term Care Insurance covers expenses related to senior care, including in-home care. Depending on the policy type, beneficiaries may receive a cash payment to use towards long-term care or reimbursement for qualifying long-term care expenses. Note that there are limitations- typically a maximum benefit of $150 per day- and exact coverage terms vary depending on the exact policy, so always check the details.

Medicare:Medicare does not cover in-home care because it is classified as custodial, or non-medical, care. However, some Medicare Advantage and Medicare Supplement plans, which offer expanded benefits, may cover in-home custodial care.

Medicaid: Medicaid coverage of in-home care varies between different states because it is not a federally mandated benefit. Currently, all states cover some in-home care either through their standard Medicaid or a waiver program. The specific coverage rules are set individually by each state.

Veterans’ Benefits: The Aid and Attendance benefit is a monthly cash payment that beneficiaries can use to pay for senior care, including in-home care services. To qualify for A&A, Veterans must already receive the VA pension and meet several additional requirements, including needing assistance with the activities of daily living.Contact the Department of Veterans Affairs to learn more.

Reverse Mortgages: Home Equity Conversion Mortgages (HECMs) are federally insured loans that are available to homeowners age 62 and over. Reverse mortgages allow you to access a portion of your home’s equity in cash, tax free. Many seniors use reverse mortgages to finance their care expenses, including in-home care. Note that although there are no monthly payments due on reverse mortgage loans, borrowers do have to repay the loan once the last surviving homeowner passes away, moves, or sells the home.

Free & Low-Cost Home Care Resources in Fort Lee, NJ

Seniors can use the following free and low-cost resources to help them age in place at home. Programs are offered by state, county and local governments as well as nonprofit organizations. 

ResourceContactService
Bergen County Meals on Wheels(201) 336-7420This Meals on Wheels program enables seniors in Fort Lee to remain independent in their own homes even if they're unable to prepare or obtain meals on their own. It offers hot and frozen meal plans as well as frozen weekend meals for those at the greatest nutritional risk. Beneficiaries must reside in Bergen County, be at least 60 years of age, not require a special diet and not receive more than four hours of home care per day. An in-home interview will determine eligibility and will be required every six months to maintain service.
Homestead Benefit Program(877) 658-2972Fort Lee residents aged 65 or older who own and pay property taxes on their homes may be able to put more money toward home care or other expenses by signing up for New Jersey's Homestead Benefit Program. The benefit comes in the form of a property tax credit of up to $10,000 for an owner-occupied primary residence. The credit is 10% of the property's value for seniors with an income of $100,000 or less and 5% for those earning between $100,000 and $150,000. Homeowners with incomes above $150,000 aren't eligible.
Greater Bergen Community Action Weatherization Assistance Program (WAP)(973) 546-1441Seniors in Fort Lee may be able to save money on their heating and cooling bills through the Weatherization Assistance Program. Services provided may include adding insulation, repairing faulty windows and doors or repairing or replacing water heaters, furnaces and boilers to boost a home's energy efficiency. Seniors must earn 200% or less of the federal poverty level to be eligible for this program. Homeowners can apply online or over the phone. A weatherization specialist will visit the property to determine what work is needed.

Determining Your Loved One’s Need for In-Home Care

Aging can be a difficult process, and loved ones may not always ask for help – oftentimes it’s up to their family to evaluate their need for help around the house. While no two situations are exactly alike, this checklist can help you and your loved ones determine when it’s time to start the search for a home care provider.

Download
Checklist for determining the need for in-home care
Checklist for determining the need for in-home care

Guidelines for Talking About In-Home Care

If you’ve determined that your loved one needs the assistance of a care provider in their home, it may be time for a difficult conversation. Handled correctly, however, this process can bring a family together and ensure that everyone’s concerns are addressed. Use this PDF as a starting point to help the conversation stay as positive and productive as possible.

Download
Talking with family and others about a loved one's needs
Talking with family and others about a loved one's needs

Frequently Asked Questions

Reviews of Care Providers Nearby

Home Care

Anonymous_1729757652

I am a past client of this provider

Review of Home Helpers Home Care of South Bergen County

The helped me with things I could not do. I do not have to have a lot of hours.

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Home Care

Ben W_2

I am a current client of this provider

Review of Home Helpers Home Care of South Bergen County

They have been supportive. They are courteous and good people.

Read more

Home Care

Anonymous_1726234447

I am a current client of this provider

Review of Home Helpers Home Care of South Bergen County

The most helpful part is that it takes the stress off of me so I don't have to become so involved, I can take time for myself. I find that they're reliable if someone can't make it and they'll...

Read more

In Home Care near Fort Lee, NJ

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Other Options in Fort Lee, NJ

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Caring.com

Caring.com is a leading online destination for caregivers seeking information and support as they care for aging parents, spouses, and other loved ones. We offer thousands of original articles, helpful tools, advice from more than 50 leading experts, a community of caregivers, and a comprehensive directory of caregiving services.

 

The material on this site is for informational purposes only and is not a substitute for legal, financial, professional, or medical advice or diagnosis or treatment. By using our website, you agree to the Terms of Use and Privacy Policy

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