Do you have questions about Assisted Living in New Jersey? We have answers!

There are several signs that indicate a need for memory care, including difficulty with daily tasks, isolation and depression, and challenges maintaining personal care and household responsibilities. Many families believe that a familiar setting is the best option for loved ones experiencing memory loss. However, what individuals with cognitive decline need most is a structured environment with support staff who are specially trained in how to engage seniors with memory loss. With the support from our team, seniors in Marlboro, New Jersey who move to our Compass Memory Support NeighborhoodⓇ will no longer have to worry about missing medications, falling behind on bills, preparing meals, or managing their own laundry. At SLR Marlboro, we strive to be a trusted resource not only for seniors experiencing memory loss, but also for their family members. If you think your loved one may need memory care in Marlboro, our community can help with the next steps. Call SLR Marlboro at 732-536-3000 to learn how we can provide personal care for residents, and peace of mind for families.

Assisted living in the Monroe area typically covers necessities, such as an apartment, maintenance, light housekeeping, linen laundry, meals and programs ranging from social engagement to fitness. Families living in Monroe NJ can also expect personal care needs such as bathing, dressing and medication management, as well as transportation to appointments or recreational activities. However, assisted living typically does not cover costs of Cable TV, clothing, medication, or personal toiletries. Keep in mind, every community handles pricing differently, so it’s important to ask detailed questions about what’s included when you tour. 

New Jersey families have several options to offset the cost of assisted living and memory care. Firstly, residents can share a private apartment with a roommate, resulting in a budget friendly rental fee. SLR Marlboro tries our best to match residents with roommates who share a common background or interest. A life settlement is another affordable option for assisted living in Monroe NJ because it provides seniors with cash for their life insurance policy. Essentially, seniors can sell their life insurance to a provider, which will give seniors three-to-four times the cash surrender value of their insurance policy. Financial assistance programs, including Medicaid, may be available for those with limited resources, although not every assisted living community participates in these programs. New Jersey’s Medicaid program, NJ FamilyCare, provides Managed Long Term Services and Supports and financial assistance to cover a range of needs, from assisted living to short term/respite stays. If you want to learn more about SLR Marlboro’s affordable options, reach out to our community at 732-536-3000.

There are several benefits of joining assisted living in Freehold, New Jersey. As a resident at SLR Marlboro, which is less than ten miles from Freehold, you can expect to receive personal care for everyday activities, including showering, dressing, medication reminders, meal preparation, etc. Our goal as a community is to provide the best quality of life for our residents while they are experiencing this significant transition to an assisted living environment. Being a part of an assisted living community can also combat loneliness, which is an epidemic acutely affecting seniors, often resulting in poor mental health. At an assisted living community like SLR Marlboro, community-wide programs encourage residents to partake in social interactions and feel a sense of purpose in their new home.

Families in the Manalapan, NJ area can pay for assisted living costs through various options, including current income from social security, savings, or proceeds from selling a home. Some residents utilize Long Term Care Insurance or have family members that help pay a share of the cost. Every Assisted Living community is different, but some offer affordable programs for low income seniors. Be sure to ask about your options whenever you tour a community. 

Assisted living can be a tax deductible expense in New Jersey due to the 1996 Health Insurance Portability and Accountability Act (HIPAA). Under this legislation, “long-term care services” such as bathing, dressing, household cleaning, and eating may be tax deductible as an unreimbursed medical expense. However, seniors must qualify as “chronically ill” by a licensed health care practitioner, which means they are unable to perform two or more daily activities like eating or bathing. It is important to note that services must follow a prescribed care plan, and deductions are only available if unreimbursed medical expenses exceed 7.5% of adjusted gross income. All in all, it depends on the situation of the resident. Reach out to SLR Marlboro at 732-536-3000 to discuss your loved one’s needs and if tax deduction is an option. 

Long-term care insurance is worth considering for families living in Freehold, NJ because it covers the costs of elder care services, unlike traditional medical insurance and Medicare. To be more specific, LTCI can cover the costs of aides that help with medication management and personal care, medical care conducted by visiting nurses, and home visits by a home health aide who can help with daily activities like shopping, driving, preparing means, dressing, and bathing. Ultimately, LTCI can help seniors seeking assisted living in Freehold NJ get the care they need, but without the hefty cost.