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The 10 Best Home Care Agencies for Seniors in Lincroft, 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 Lincroft, NJ, residents and their loved ones rate In Home Care agencies across the 45 options below.
Home Care Services in Lincroft, New Jersey
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Beacon Of LIFE - A Program of All-Inclusive Care for the Elderly (PACE)
1075 Stephenson Ave , Oceanport, NJ, 07757
"PACE: A Program of All-Inclusive Care for the Elderly is a community-based long-term care option that allows frail older adults to safely re..."
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Easy Help at Home - NJ
25 Main Street Suite E , Toms River, NJ, 08753
5.0
(13 reviews)
"My parents live in New Jersey and I live in Florida, finding quality care for them virtually has been difficult until I heard about Easy Help at Home. They assured me that my parents would receive top care at home and they provide. My parents have ze..."
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Paying for Home Care in Lincroft, NJ
The Cost of Home Care in Lincroft, NJ
The 2021 Genworth Cost of Care Survey found the median fee for home care in Lincroft is $5,529 per month, which is also the average for New Jersey. The national median is lower, at $4,957, but it’s not unusual to find Northeastern states to have above-average costs. Atlantic City also has a median fee of $5,529, which is more than Trenton’s $5,148 and Vineland’s $4,767.
Lincroft
$5,529
New Jersey
$5,529
United States
$4,957
Trenton
$5,148
Atlantic City
$5,529
Vineland
$4,767
The Cost of Home Care vs. Other Senior Care Options in Lincroft, NJ
Lincroft’s home care agencies typically charge $5,529 per month for their services, which isn’t as affordable as the $1,950 median for adult day centers but reflects home care’s one-on-one services. Home health care agencies are costlier, at $5,720, because registered medical professionals deliver care in the senior’s home. Assisted living fees are typically around $5,750 per month for essentially non-medical care, and seniors who need medical support and accommodation can expect to pay around $12,471 per month for a semiprivate room in a nursing home.
Home Care
$5,529
Home Health Care
$5,720
Adult Day Health
$1,950
Assisted Living
$5,750
Nursing Home Facility (semiprivate room)
$12,471
Note: Data for Lincroft was unavailable, so data for the nearest city, New York City, was used instead.
Financial Assistance for Home Care in Lincroft, 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 Lincroft, NJ
Lincroft seniors residing at home don’t have to cope with difficulties on their own, as there are many government agencies and non-profit organizations dedicated to helping them. The free and low-cost resources listed here can help reduce energy costs, make homes safer and ensure Lincroft’s seniors never have a day without a nutritious meal.
| Resource | Contact | Service |
|---|---|---|
| Low Income Home Energy Assistance Program | Apply Here | The Low Income Home Energy Assistance Program helps New Jersey homeowners and renters struggling to pay rising home heating and cooling costs. Eligible applicants are New Jersey residents with incomes at or below 60% of the state median, and the amount of benefit provided is dependent on the household size and type of fuel. Only renters whose fuel costs form part of their rent are paid directly, and in all other cases, the program pays the energy supplier. |
| USDA Loans and Grants | (856) 285-7679 | Lincroft residents with incomes at or below the program's limits for Monmouth County can apply for a loan from USDA to help pay for home repairs and improvements. Loans can be up to $40,000 and are over 20-year periods, with interest rates fixed at 1%. Residents aged 62 and older can also apply for a grant of up to $10,000 to pay for repairs to health and safety hazards in their homes. The senior doesn't need to repay the grant unless they move out of the home within 3 years of the grant approval date. It's also possible for eligible applicants to combine the grant and loan. |
| Meals on Wheels of Monmouth County | (732) 775-0525 | Meals on Wheels of Monmouth County delivers nutritious meals to Lincroft's homebound seniors. Meals are delivered on weekdays, but weekend and holiday deliveries are possible for particularly vulnerable residents. Drivers also conduct wellness checks during the delivery. |
| Weatherization Assistance Program | (732) 828-4510 | The Weatherization Assistance Program is administered by the NJ Department of Community Affairs and funded by the federal government. It can pay costs for home improvements deemed necessary to reduce energy consumption, which can also lower heating and cooling costs. To be eligible, the homeowner or renter must have an income no greater than 200% of the Federal Poverty Level for the state, and renters must also get approval from the property's owner. Works may include repairing windows and doors and HVAC systems and installing insulating materials. |
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.
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.
