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New Jersey Long-Term Care

Explore and learn information about long-term care and insurance for New Jersey residents.

New Jersey Cost of Care Calculator

View the costs of Long-Term Care in your area. Use the slider below to view future costs of care services with inflation.

New Jersey Median
Long-Term Care 2021 2036(+15 Years) 2021 2036(+15 Years)
Homemaker Services $4,713 $7,790(+$38,572) $4,566 $7,547(+$37,367)
Home Health Aide $4,713 $7,790(+$38,572) $4,615 $7,628(+$37,768)
Adult Day Care $2,009 $3,320(+$16,437) $2,075 $3,430(+$16,985)
Assisted Living Facility $6,247 $10,325(+$51,123) $5,253 $8,682(+$42,989)
Semi-Private Room $10,965 $18,124(+$89,736) $9,007 $14,887(+$73,712)
Private Room $12,218 $20,195(+$99,991) $9,790 $16,182(+$80,122)

Care Facilities in New Jersey

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State Information

Federal Partnership Program

The State of New Jersey is a participant in the federal/state long-term care insurance program. Established according to guidelines under federal law, the program provides additional asset protection to those who purchase a qualified partnership long-term care insurance.

The idea is to stimulate the development of an expanded private long-term care insurance market in the state, which would relieve financial pressure on the Medicaid programs associated with funding long-term care. For consumers, it protects many who would otherwise deplete their life savings paying for long-term care before being eligible to qualify for Medicaid coverage for their long-term care costs.

The State of New Jersey feels it is in the public interest to provide statutory authorization for a long-term care partnership program in accordance with the provisions of the federal “Deficit Reduction Act of 2005,” Pub.L.109-171. Qualified New Jersey Partnership Long-Term Care Insurance provides disregard of certain assets with respect to Medicaid eligibility for persons who purchase and receive benefits from a policy that meets the requirements of federal law.

This is known as “dollar-for-dollar” asset protection. It allows an individual to keep assets in the amount equal to the long-term care benefits paid and not be subjected to spend-down requirements.

Policy Example

If your New Jersey Partnership Long-Term Care insurance policy paid $650,000 in benefits you would be able to shelter that same amount when they calculate your eligibility for the Medicaid Long-Term Care benefit. You would, in this example, be able to preserve the $650,000 in addition to the normal allowance and still qualify for the Medicaid benefit. The Partnership Program also protects those assets after death from Medicaid estate recovery.


Most states have reciprocity with other states' long-term-care partnership programs including New Jersey. This means if you move from or to New Jersey your partnership asset protection follows you as well.


Long-Term Care Medicaid spend down is $2,000. A spouse’s minimum asset allowance is minimum of $26,076 up to a maximum of one-half of countable assets up to $130,380.   Your spouse’s minimum monthly income allowance is $2,155. * The home equity limit is $906,000.

For more information about the Medicaid program visit

Rate Stability Rules

In addition, New Jersey consumers enjoy additional peace-of-mind as the state has adopted Long-Term Care Insurance Rate Stability Rules.  These rules, developed the National Association of Insurance Commissioners, makes it much harder for an insurance company to get an approved rate increase.

Products Approved in New Jersey

Several products are approved in New Jersey for Long-Term Care Planning. These include traditional plans, in addition to partnership qualified policies, and asset-based “hybrid” policies.

Tax Incentives

New Jersey also offers a state tax incentive for those who own a qualified long-term care insurance policy. The law allows a deduction for medical expenses (including LTC insurance premiums for taxpayers, their spouses or dependents) to the extent such expenses exceed 2% of taxpayer’s gross income. Federal tax incentives are also available.

Reverse Mortgages in New Jersey

Reverse mortgages are available in New Jersey. A reverse mortgage is a type of home equity loan where the borrower does not have to make payments.

This type of mortgage can increase monthly income, eliminate mortgage payments, and even fund Long-Term Care Insurance. However, there are many rules in New Jersey on these products, and you should seek the help of a qualified and licensed mortgage broker. 

Several qualifications must be met before anyone can be approved for a Reverse Mortgage in New Jersey. You must be at least 62 years of age. You must also have a home paid in full or have substantial equity in your home. 

Learn more about reverse mortgages by clicking here.

*The federal government sets a new minimum and maximum amounts each year, but states can set their own minimum requirements at any level between the federal limits. This information is based on the best available sources.

State Breakdown
State Partnership Program
State Tax Incentives
Federal Tax Incentives
Rate Stability Rules
Medicaid Spend Down $2,000
Minimum Asset Allowance $26,076
Minimum Monthly Income Allowance $2,155
Compare with All States

Long-Term Care Throughout New Jersey

New York-Northern New Jersey-Long Island

The largest metro area in New Jersey is the New York-Northern New Jersey-Long Island area. The average cost of a skilled nursing facility runs $12,927 a month. The cost of an Assisted Living Facilityaverages $5,916 a month. Adult Day Care Centers average $1,950 a month. Care at home, based on a 44-hour week, averages $4,767 a month.

More Locations

Other metro areas in New Jersey include the Philadelphia-Camden-Vineland area, PA-NJ-DE-MD, Atlantic City, Ocean City, and Trenton.

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