New Jersey Dementia Care (2026): NJ Family Caregiver Guide

If someone you love has just been told the word "dementia," or the changes you have quietly tracked in a parent or spouse have become impossible to ignore, please slow down for a moment. You do not have to figure this out today. This is the complete 2026 guide to NJ dementia care for families navigating this for the first time, every door, every helpline, every Medicaid number, every infusion site.

New Jersey has more support for dementia families in 2026 than at any point in its history: eight federally-funded CMS GUIDE Model programs that pay for care navigation and respite, five academic memory programs anchoring diagnosis and longitudinal care, a state-funded Alzheimer's Adult Day Services Program that no other state runs at NJ's scale, a single assisted-living licensure framework with a dedicated dementia-care subchapter (NJAC 8:36 Subchapter 19), and an MLTSS Medicaid system that, when properly accessed, covers most of what dementia eventually requires. The challenge is not that the help does not exist. The challenge is that no one hands a New Jersey family a single map.1

This guide is that map. We will walk together, in plain language, through every layer of dementia caregiving in New Jersey in 2026: where to get diagnosed; how to get insurance to pay for ongoing memory care; how to claim the federally-funded $2,500-a-year GUIDE respite benefit if you qualify; how New Jersey Medicaid handles dementia (and what the 2026 income, asset, look-back, and penalty-divisor numbers actually are); how NJ's single assisted-living framework handles dementia special care; what guardianship looks like when capacity becomes contested; what the NJ inheritance tax means for a Personal Care Agreement; and which helplines to call when you cannot do this alone at 2 a.m.1

This is also a guide written specifically for you, the New Jersey family caregiver, who in 2026 is one of roughly 1.76 million NJ family caregivers providing 1.19 billion hours of unpaid care annually, valued at $28 billion at the AARP $23.68/hour replacement-rate. Nationally, family caregivers average twenty-seven hours a week, and fifty-seven percent of them do "high-intensity" caregiving, daily, hands-on, often medical. The hours you give cost you sleep, paychecks, and sometimes friendships. You deserve real help, and New Jersey can provide more of it than you have probably been told.1

The 60-second version

If you only read one section, read this:

1. If your family member has not been formally diagnosed, call one of New Jersey's academic memory programs, Rutgers Cognitive Neurology and Alzheimer's Disease Clinic at RWJMS (732-235-7733), Rutgers UBHC COPSA Memory Disorders Clinic (800-424-2494), Hackensack Meridian Center for Memory Loss and Brain Health, Paramus (551-996-8100), Hackensack Meridian Center for Memory and Healthy Aging, Neptune (732-897-3700), Cooper Neurological Institute (Camden), Atlantic Health Geriatric Assessment Center (Morristown), or Penn Medicine Princeton Health Center for Neuroscience Care (Plainsboro), for a comprehensive evaluation. Diagnosis unlocks every other door.

2. If your family member has Original Medicare and a confirmed dementia diagnosis, ask whether they can enroll in the CMS GUIDE Model. On the CMS participant list last updated April 2026, eight participants serve New Jersey: Atlantic Medical Group (Atlantic Health, Morristown), HMH Hospitals Corporation, Harmonic Medical Group of NJ (Harmonic Health), CareAtHome Medical Practice NJ (Montclair), CareND Provider Group of NJ (Synapticure, Roseland), Impactful Care (Cherry Hill), Isaac Health NJ (Clifton), and Marc Rothman MD PLLC (Lizzy Care, Manalapan).1 GUIDE provides a dedicated care navigator, a 24/7 helpline, structured caregiver education, and up to $2,500 per year of respite for qualifying families, at no out-of-pocket cost beyond the standard Medicare Part B 20% coinsurance on care-management visits.1

3. Call the Alzheimer's Association 24/7 Helpline at 1-800-272-3900. Free, confidential, available in 200+ languages, and routed to the Alzheimer's Association New Jersey Chapter (Florham Park), which since January 2026 covers every county in the state. If a South Jersey family was previously routed to the Delaware Valley Chapter, that chapter became the Southeastern Pennsylvania Chapter and their counties moved to the New Jersey Chapter.1

4. Also save Alzheimer's New Jersey at 1-888-280-6055, an independent NJ-only nonprofit (alznj.org) that runs free education, support groups, and the GUIDE Model panel programming. It is a separate organization from the Alzheimer's Association, and families routinely confuse the two for a single entity.1

5. Call the NJ ADRC at 1-877-222-3737 (Aging & Disability Resource Connection, also reached via NJ 211). The ADRC routes you to your county Area Agency on Aging for the Statewide Respite Care Program (SRCP), Alzheimer's Adult Day Services (AADS), Jersey Assistance for Community Caregiving (JACC), and Title III-E National Family Caregiver Support funds.2

6. If you are a veteran's family, also call the VA Caregiver Support Line at 1-855-260-3274. Veterans with service-connected conditions or wartime service may qualify for VA Aid & Attendance pension (up to $29,093 per year, the 2026 Maximum Annual Pension Rate for a veteran with no dependents who qualifies for A&A, effective December 1, 2025), Veteran Directed Care, the PCAFC caregiver stipend, or VA Hospice. NJ's Lyons VA Community Living Center has 250 beds, one of the largest CLCs in the entire VA system, for veterans with dementia who need facility-level care.3,1

7. Execute New Jersey durable Power of Attorney documents now, while your family member still has legal capacity. Under the NJ Revised Durable Power of Attorney Act (N.J.S.A. 46:2B-8.1), a properly drafted POA executed during mild cognitive impairment can save your family the time, expense, and dignity-cost of a guardianship action later. NJ guardianship typically runs $5,000+ all-in (filing fee $200 + plaintiff attorney + court-appointed counsel + two physicians' certifications + possible trial). NJ has not adopted the Uniform POA Act, so use NJ-specific forms reviewed by a NJ-licensed elder-law attorney.1

The rest of this guide is the long version.

NJ Dementia Care in 2026: Understanding the Landscape

About 185,000 New Jersey residents aged 65 and older are living with Alzheimer's, and the state is aging fast. NJ adults 65+ are 18.0% of the population, the same share as the U.S. as a whole, but that share climbed 33% between 2010 and 2024 while the number of NJ residents in that age group rose 43%.1

Behind those numbers sit the families. AARP New Jersey's March 2026 Valuing the Invaluable update counted 1.76 million unpaid family caregivers of NJ adults, providing 1.19 billion hours of unpaid care valued at $28 billion at $23.68/hour. Nationally, family caregivers give 27 hours per week on average, and 57% do high-intensity caregiving. Caregivers themselves report higher rates of chronic illness, depression, and lost income than non-caregiver peers.1

NJ caregiving terrain is varied: the dementia-care infrastructure is heaviest in the Hackensack–Newark, New Brunswick–Princeton, Camden–Cherry Hill, and Morristown corridors. Seven NJ counties are rural under the NJ Department of Health Office of Primary Care and Rural Health's definition, fewer than 500 people per square mile: Atlantic, Cape May, Cumberland, Hunterdon, Salem, Sussex, and Warren, home to about 952,340 residents, roughly 10.6% of the state. If you live in one of them, telehealth-forward GUIDE programs like Lizzy Care and the Atlantic Health Morris-County hub will matter more for your family than they would in Hackensack or New Brunswick.1

The single most consequential fact about NJ's dementia policy landscape, as of May 2026, is what NJ does not have.

What New Jersey does NOT have, and why that matters

New Jersey, unlike Pennsylvania (Act 111 of 2024), does not have a standalone Office of Alzheimer's & Related Dementias (ADRD Office). ADRD policy work flows through the NJ Division of Aging Services within the Department of Human Services, without a dedicated statutory office. The de-facto policy contact is AADP@dhs.nj.gov / 609-438-4733.1

The original NJ Alzheimer's Disease Study Commission, established in 2011 (P.L. 2011 c.79; codified at N.J.S.A. 26:2-148.1), submitted its last comprehensive report in August 2016, almost a decade ago. The DoAS page that hosts the Commission no longer lists active membership; no continuing meetings or refreshed plans appear in the public record. NJ's official statewide dementia plan is, in effect, ten years old.

A second-generation effort is pending. Senate Bill S2665 (221st Legislature, introduced February 12, 2024), sponsored by Senators Greenstein and Mukherji, would establish a separate NJ Alzheimer's Disease Master Plan Study Commission within DHS. Fifteen members, thirteen statutory focus areas (public education, healthcare quality, caregiver support, community integration, abuse prevention, workforce, research, etc.), a two-year master-plan timeline. As of May 5, 2026, S2665 has not been enacted and committee posture beyond introduction is unverified.

There is also no NIA-designated Alzheimer's Disease Research Center (ADRC) in New Jersey. The Penn Memory Center / Penn ADRC at the University of Pennsylvania (Philadelphia) is the only NIA-designated ADRC in the tri-state and serves as the regional research hub for NJ patients, particularly South Jersey families within commuting distance. Rutgers' Krieger Klein Alzheimer's Research Center (KK-ARC), launched 2024 within the Rutgers Brain Health Institute (Piscataway), self-describes as "New Jersey's Academic Alzheimer's Diagnostic and Treatment Center" but is not NIA-designated.

What this means for your family: New Jersey's dementia infrastructure is real, well-funded in places, and routinely under-claimed by the families who could benefit. But no single state office or research hub coordinates it. You need a map. This guide is that map.

The medical home for NJ dementia care: where to get diagnosed and stay in care

If a family member's memory, judgment, or daily functioning has changed in a way that is not explained by depression, infection, medication side effects, sleep, or grief, a comprehensive memory evaluation is the right next step. NJ has five academic-tier networks that anchor dementia diagnosis and ongoing care.

Rutgers, the closest thing NJ has to a state-flagship dementia program

The Rutgers Krieger Klein Alzheimer's Research Center (KK-ARC) at Rutgers Brain Health Institute (Piscataway) launched in 2024 as Rutgers' dementia research and treatment hub. KK-ARC self-describes as "New Jersey's Academic Alzheimer's Diagnostic and Treatment Center." It is not NIA-designated but anchors the largest NJ-based academic dementia research portfolio.

The clinical front door for most NJ families approaching Rutgers is the Rutgers Cognitive Neurology and Alzheimer's Disease Clinic at Rutgers Robert Wood Johnson Medical School, 125 Paterson Street, 6th Floor Neurology Clinic, New Brunswick 08901, scheduling 732-235-7733. The same clinic is the New Jersey first-mover for lecanemab (Leqembi) infusion therapy (more on anti-amyloid below).

For geriatric-psychiatry-led multidisciplinary memory care, Rutgers UBHC COPSA Memory Disorders Clinic (Comprehensive Services on Aging) is the longest-running NJ academic memory program. Helpline scheduling 800-424-2494. COPSA's strength is bundled neuropsychiatric assessment for behavioral and psychological symptoms of dementia, particularly relevant to families struggling with agitation, sundowning, hallucinations (Lewy Body indicator), or depression overlapping with cognitive change.

Hackensack Meridian, North + Shore

Hackensack Meridian Health runs two branded memory programs that handle the majority of dementia diagnostic volume in the Bergen/Passaic/Hudson/Monmouth/Ocean catchments:

• Center for Memory Loss and Brain Health at Hackensack University Medical Center, 650 From Road, Suite 506, Paramus 07652, 551-996-8100.
• Center for Memory and Healthy Aging at Jersey Shore University Medical Center, Neptune, 732-897-3700 (general HMH info 800-822-8905).

Both centers provide diagnostic workup for AD and other dementias, neuropsychological testing, and multidisciplinary care planning. Hackensack Meridian is research-active across multiple amyloid-mAb clinical trials but, as of May 2026, does not publicly advertise routine clinical Leqembi or Kisunla infusion, families seeking those infusion services from HMH should ask their memory-program team about trial participation versus referral to RWJBarnabas or another NJ infusion site.

Cooper, South Jersey

Cooper Neurological Institute at Cooper University Health Care (Sheridan Pavilion, Three Cooper Plaza, Camden 08103) anchors dementia subspecialty care for Camden, Burlington, Gloucester, and the surrounding South Jersey counties. Cooper operates jointly with Inspira through Cooper-Inspira Neuroscience. South Jersey families can also be referred north to Penn Memory Center (Philadelphia) for NIA-designated research-grade evaluation given Cooper's proximity to the bridge.

Atlantic Health, Morristown corridor

Atlantic Health System's Geriatric Assessment Center, 435 South Street, Morristown, provides consultative geriatric and memory assessments + caregiver guidance, and is the sister program to Atlantic Medical Group's CMS GUIDE Model site in Morristown (covered below). Atlantic Health's Memory & Cognitive Disorders network spans the broader AHS catchment in Morris/Sussex/Warren.1

Penn Medicine Princeton Health, Mercer/Middlesex

Penn Medicine Princeton Health, Center for Neuroscience Care at the Medical Arts Pavilion, 5 Plainsboro Road, Plainsboro, sits inside Penn Medicine's NJ footprint and links directly to Penn Memory Center / Penn ADRC for memory and dementia subspecialty referrals. Princeton serves Mercer + Middlesex + Hunterdon + Somerset.

South-Atlantic shore: AtlantiCare

For Atlantic and Cape May counties, AtlantiCare Physician Group, Neurology (Cape May Court House office at 106 Court House South Dennis Road, Building 200 Suite 200, 609-407-2372) is the primary neurology footprint, with the AtlantiCare Special Care Center in Galloway (609-404-7300) handling complex chronic-care patients. AtlantiCare does not operate a separately branded "Memory Disorders Center", dementia diagnostics flow through AtlantiCare Neurology in coordination with primary care.

Most New Jersey families have one of these eight clinical homes within a 30-minute drive. If yours is the rural exception, telehealth-forward GUIDE participants like Lizzy Care are designed precisely for you.

CMS GUIDE Model, New Jersey's biggest dementia-caregiver win in 2026

Of all the new dementia programs available to NJ families in 2026, CMS GUIDE Model, Guiding an Improved Dementia Experience, is the one most likely to materially change a caregiver's daily reality. Launched July 1, 2024, GUIDE is an 8-year voluntary CMS Innovation Center model. Eight organizations served New Jersey on the CMS participant list last updated April 2026.1

The program covers comprehensive care navigation, 24/7 caregiver helpline access, structured caregiver training, and, for qualifying families, up to $2,500 per year of respite care at no out-of-pocket cost.1

What GUIDE provides (uniform across the NJ participants)

Each participating organization assigns the family a dedicated dementia care navigator who serves as a single point of contact across diagnosis, medication management, behavioral concerns, advance-directive planning, community resources, and crisis support. The navigator coordinates a comprehensive interdisciplinary assessment of the person with dementia and the primary caregiver, develops an individualized written care plan, and revisits it on an ongoing basis.

Every GUIDE participant must operate a 24/7 helpline for enrolled families, meaning that a 2 a.m. call about agitation, a fall, a medication refusal, or a sudden change in lucidity reaches a clinician who already knows your family member's chart.

GUIDE participants also deliver structured caregiver education and support groups, "memory cafés" and other community wellness offerings, and the respite benefit (described below).

The five complexity tiers, and why they determine your respite

CMS's GUIDE Model is built on five complexity tiers stratified along two axes: (1) whether the beneficiary has a qualifying caregiver (the "dyad" path) or not (the "individual" path), and (2) the dementia stage and caregiver burden (low, moderate, or high). Tier assignment uses standard dementia-stage instruments (Clinical Dementia Rating, Functional Assessment Staging Tool) plus the Zarit Burden Interview for caregiver strain. The five tiers:

1. Low Complexity Individual, no caregiver; mild-to-moderate dementia.
2. Moderate-to-High Complexity Individual, no caregiver; advanced dementia.
3. Low Complexity Dyad, caregiver present; mild dementia + low caregiver burden.
4. Moderate Complexity Dyad, caregiver present; moderate stage + moderate burden.
5. High Complexity Dyad, caregiver present; severe stage + high burden.

Per CMS, the $2,500/year respite benefit is not available at the Low Complexity tier. It is directed to the higher-complexity dyads, where a qualifying caregiver is present and the burden is greatest. This is widely under-explained in lay-press summaries, so ask your GUIDE participant which tier your family member is assessed at and whether respite applies.1

NJ GUIDE participants, deep dive

On the CMS GUIDE participant list last updated April 2026, eight participants serve New Jersey. They compare as follows:1

The roster changes between CMS releases. Confirm against the live CMS GUIDE Participant List, and with the organization itself, before you count on a specific provider. The deep dives below add detail on four of them.

1. Atlantic Medical Group (Atlantic Health System), Morristown

Listed on the CMS April 2026 participant list at: 100 Madison Avenue, Morristown. Catchment: Morris County + adjacent NJ counties via the broader Atlantic Health System network. GUIDE Program Manager: Rebecca Abenante, LSW, ASW-G. Self-referral: Accepted via Atlantic Health Healthy Aging line.

For NJ families in the I-287 / I-78 corridor, Morristown is the most established GUIDE entry point. Atlantic Health's pre-existing geriatric infrastructure, Geriatric Assessment Center, Healthy Aging programs, Morristown Medical Center inpatient geriatric services, is the spine the GUIDE navigation team plugs into.1

2. HMH Hospitals Corporation, Center for Memory Loss and Brain Health, Paramus

Listed on the CMS April 2026 participant list as: HMH Hospitals Corporation, with its Center for Memory Loss and Brain Health in Paramus. Catchment: the Hackensack Meridian Health footprint across Bergen, Passaic, Hudson, and adjacent counties. Self-referral: ask the Center for Memory Loss and Brain Health directly (551-996-8100).1

This is the same Paramus memory center that handles much of North Jersey's diagnostic volume, so a family already being evaluated there can ask about GUIDE enrollment in the same conversation.1

3. Lizzy Care (Marc Rothman MD PLLC), telehealth-forward, statewide reach

Listed on the CMS April 2026 participant list under its legal name: Marc Rothman MD PLLC, Manalapan. Catchment: All of NJ (telehealth-forward; in-person visits where geographically feasible). Track: New Track (the post-2024 GUIDE pathway for newer or technology-forward dementia-care delivery models). Co-Founder/CEO: Dr. Marc Rothman. Patient line: (234) 567-9449. Email: info@hilizzy.com. Portal: portal.hilizzy.com. Eligibility: Dementia diagnosis + Original Medicare (Medicare Advantage enrollees are excluded by the GUIDE rules themselves, not by Lizzy Care).

For NJ families in rural counties (Salem, Warren, Sussex, Hunterdon, Cumberland), where the I-287/I-78/I-295 corridor academic centers are 60+ minutes away, Lizzy Care is designed for you. A virtual-first dementia care navigator is the practical equivalent of getting a family doctor for dementia, except you can call from your kitchen at 8:45 a.m. before the school bus comes.

4. Harmonic Medical Group of New Jersey, P.C., New Track

Catchment: Multi-state (12 states) including NJ via legal-entity registration. Track: New Track. NJ presence: 316 Berrhill Drive, Williamstown. HQ: 119 South Main Street, Saint Charles, MO 63301. Self-referral: Accepted ("you do not need a referral"); enrollment at enroll@harmonichealth.com.

Harmonic operates a hybrid telehealth-plus-local-clinician model. NJ families with non-traditional schedules or caregivers in different geographies (e.g., adult child in California, parent in Williamstown) often find Harmonic's logistical flexibility valuable.

The four newer NJ participants

Four more organizations appear on the CMS April 2026 list as serving New Jersey, and they matter most to families outside the Morristown and Paramus catchments:

• CareAtHome Medical Practice NJ, P.C., Montclair (Essex County).
• CareND Provider Group of New Jersey, PC, doing business as Synapticure, Roseland (Essex County).
• Impactful Care LLC, Cherry Hill (Camden County), the closest listed participant to South Jersey families.
• Isaac Health PC, doing business as Isaac Health New Jersey, Clifton (Passaic County).

CMS's list gives their legal names and locations but not their intake lines, so call the organization directly to confirm it is still enrolled and taking new GUIDE patients before you build a care plan around it. Do not rely on any GUIDE provider for the $2,500 respite benefit until you have confirmed enrollment with that specific organization.1

Eligibility, and the four big exclusions

GUIDE eligibility:

1. Original Medicare (Parts A + B). Medicare Advantage enrollees are categorically excluded from GUIDE.
2. Confirmed dementia diagnosis (any ICD-10 dementia code).
3. Not enrolled in Medicare hospice (the GUIDE benefit and the hospice benefit are mutually exclusive).
4. Not a long-term nursing-facility resident (NF residency for >100 days excludes GUIDE).
5. Not enrolled in ESRD-related Medicare services that conflict with the model.

If your family member is currently on Medicare Advantage and would benefit from GUIDE, the Annual Election Period (October 15 – December 7) is the window to switch back to Original Medicare for a January 1 GUIDE-eligibility start. NJ's Medigap (Medicare Supplement) market is age-rated and accepts late switchers without medical underwriting only in narrow circumstances, get a SHIP counselor (see Helplines section) to walk through any switch-back math before you sign.

New Jersey Medicaid (NJ FamilyCare) and dementia, what you actually need to know

Of every dollar New Jersey spends on long-term dementia care, the largest payer is NJ FamilyCare Medicaid through its Managed Long-Term Services and Supports (MLTSS) program. If a dementia diagnosis is going to last more than 3–5 years (and most Alzheimer's diagnoses do), your family will most likely interact with NJ FamilyCare MLTSS at some point. The earlier you understand the rules, the more options you have.

NJ FamilyCare 1115 Demonstration, the legal frame

NJ's Medicaid LTSS architecture sits inside the NJ FamilyCare Comprehensive Demonstration, an 1115 waiver approved by CMS on April 18, 2024 for the period April 1, 2023 – June 30, 2028. NJ consolidated the legacy Global Options, CRPD, TBI, and ACCAP waivers into MLTSS effective July 1, 2014, so the older "ABC waiver" or "Global Options" terminology you may encounter in older legal-aid materials is operationally replaced by MLTSS.

MLTSS eligibility for dementia care, 2026

MLTSS combines clinical and financial eligibility:

• Clinical: Nursing Facility Level of Care (NFLOC), typically defined as needing hands-on assistance with 3 or more Activities of Daily Living (bathing, dressing, transferring, toileting, eating, continence). Dementia-driven cognitive impairment often qualifies for NFLOC even when ADL needs alone might not, when cognitive supervision is required to prevent harm.
• Financial: Income ≤ $2,982/mo single in 2026 (income above the limit requires a Qualified Income Trust); assets ≤ $2,000 countable single. Spousal protections apply to the spouse remaining in the community.1
• Penalty divisor: $420.69/day effective April 1, 2026 (DMAHS Medicaid Communication 26-04), up from the prior $402.74. The divisor converts a disqualifying asset transfer during the 60-month look-back into a period of Medicaid ineligibility.1

The MLTSS managed care plans (2026)

DMAHS lists six health plans for NJ FamilyCare MLTSS in 2026. Two of them are Aetna entities: Aetna Better Health of New Jersey and Aetna Assure Premier Plus (D-SNP), the dual-eligible plan. The other four are Fidelis Care, Horizon NJ Health, UnitedHealthcare Community Plan, and Wellpoint.3 Published member-services numbers for the five plan lines below:1

Plan choice matters less than service-coordinator match within a plan. Ask explicitly for an MLTSS service coordinator with dementia experience at intake.

Adult Day Health Services vs Alzheimer's Adult Day Services, NJ's two day-program rails

This is one of the most operationally confusing features of NJ dementia care, and worth understanding:

• Adult Day Health Services (ADHS) is the MLTSS-covered Medicaid day-program benefit. Medical/nursing oversight + therapies + activities + meals. Covered if your loved one is enrolled in MLTSS and ADHS appears in the Person-Centered Service Plan. Reimburses the day center directly; the family pays nothing.1
• Alzheimer's Adult Day Services (AADS) Program is the state-funded NJ Department of Aging dementia adult-day subsidy, older than MLTSS, runs independently, contracts with 21 dementia-specialized day centers across 14 NJ counties. 2025 income limits $50,256/year single / $58,632/year married, asset limits $40,000 / $60,000. Sliding-scale family copay 20%–100% (note the 20% floor, no NJ family pays $0 under AADS). Five days/week × 5+ hour days; full meal included. Contact 609-438-4733 / AADP@dhs.nj.gov.2

The big operational rule: AADS and MLTSS are mutually exclusive for a given person for the same service. A family on MLTSS can use ADHS at the dementia day center. A family not on MLTSS can use AADS at the same dementia day center under a different reimbursement arrangement. The center treats the resident the same; the funding arc is different. Seven NJ counties have no AADS-contracted provider as of the most recent listing, verify your county at the AADP page before assuming AADS is available.

MLTSS settings for dementia: home, AFC, CPCH, ALR, SNF

MLTSS authorizes care across five settings:

For ALR memory care: MLTSS pays the services component (personal care, ADL assistance, medication management, dementia activities) but not room-and-board. The member keeps a personal-needs/maintenance allowance ($147.65/mo effective January 1, 2026) and pays the set ALR room-and-board rate ($996.40/mo in 2026) from Social Security and pension; NJ FamilyCare covers the balance of MLTSS-defined services.1

The PPP rule most families miss: a relative can be the paid Personal Care Assistant

NJAC 10:60-3.8(b) bars family-member personal care assistant services as a covered service under NJ FamilyCare Plans B and C, and grants no exceptions for legally responsible relatives, defined there as a spouse or legal guardian of an adult, or a parent or legal guardian of a minor child. The same subsection then expressly excepts the Personal Preference Program (PPP) from that bar, and the state's PPP page tells participants they may hire workers "including trusted individuals like friends, relatives, or neighbors." So an adult child, sibling, in-law, friend, or neighbor is the clear case. A spouse sits where those two provisions pull against each other, and the managed care organization administering PPP is what settles it in practice, so confirm your specific situation with the MCO before planning around the income.3

For dementia care, this matters more than any other rule in NJ Medicaid. Most spousal caregivers reach the point of full-time supervision before any other support arrives, and PPP is the only New Jersey route that can pay them at all. PPP pays the family caregiver an hourly wage set through the program's fiscal intermediary. Under NJAC 10:60-3.8(g), personal care assistant services are limited to 40 hours per calendar work week and must be prior authorized, with additional hours available from the Division of Disability Services or DMAHS case by case on exceptional circumstances. Payroll runs through the fiscal intermediary DMAHS assigns to your plan: Palco (1-877-710-0457) for Horizon NJ Health participants, and Public Partnerships LLC (PPL) (1-844-880-8702) for Aetna Better Health of New Jersey, Aetna Assure Premier Plus (D-SNP), Fidelis Care, UnitedHealthcare Community Plan, and Wellpoint participants. DMAHS notes MCOs may move to new FI vendors over time, so confirm the assignment with the plan.3

For full PPP mechanics, see our How to Get Paid to Care for a Family Member in New Jersey guide and our New Jersey Respite Care guide.

Where dementia families live: NJ memory care under NJAC 8:36

When dementia progression eventually requires care beyond what home plus PPP plus ADHS can deliver, most NJ families face a residential decision. NJ's regulatory framework for those decisions is simpler than Pennsylvania's, and the difference matters.

NJ has a single AL framework, unlike PA's two

Pennsylvania bifurcates assisted living into two regulatory chapters (55 Pa. Code Ch. 2600 Personal Care Homes and 55 Pa. Code Ch. 2800 Assisted Living Residences), with rules that materially differ on memory care, scope of services, and resident protections. New Jersey does not.

NJ's AL framework is NJAC 8:36, Standards for Licensure of Assisted Living Residences, Comprehensive Personal Care Homes, and Assisted Living Programs, administered by the NJ Department of Health Division of Health Facilities Evaluation and Licensing. Three license types, all under the same regulatory chapter:

1. Assisted Living Residence (ALR), apartment-style; lockable doors required; full service kitchens optional.
2. Comprehensive Personal Care Home (CPCH), bedroom-style; max 2 residents per unit; lockable doors; pre-1993 conversions only (CPCH is a closed legacy category, no new CPCH licensure since the 1993 Act).
3. Assisted Living Program (ALP), AL services brought into senior housing (member lives in their existing apartment; an ALP provider delivers AL-equivalent services on-site).

For dementia families, this single-framework structure is operationally simpler: the same regulatory standards, the same licensing authority, the same complaint and appeals process apply across all three license types.

NJAC 8:36 Subchapter 19, NJ's dementia special-care rules

Within NJAC 8:36, Subchapter 19 (sections 8:36-19.1 through -19.4) specifically governs Alzheimer's Disease and Dementia Programs within ALR/CPCH/ALP licensees. Any NJ AL facility marketing a "memory care" or "Alzheimer's care" program must comply with Subch. 19.

The Subch. 19 requirements:

1. Admission/discharge guidelines tailored to dementia, the facility must publish written criteria for which dementia residents it will accept, what level of behavioral or medical complexity it can manage, and the conditions that would trigger discharge.
2. Mandatory dementia-care training for all staff directly involved in memory-impaired resident care, including direct-care staff, activities, dietary, and management. Specific hour-counts are set in the regulation; Brevy's verification cycle did not pull the current hour-count for this article, flagged as a watch-list item.
3. Written activities, safety, and care-plan procedures available to staff/residents/families/the public on request. This is the under-claimed family right: you can ask any NJ memory-care AL for these documents, and they must produce them.
4. Cognitive/functional assessment and personalized care plan within first 14 days of residency. The plan is updated as the disease progresses.

Before you tour an NJ memory-care community, ask three questions: (a) Are you licensed under NJAC 8:36? (b) Do you operate under Subchapter 19 dementia special-care rules? (c) May we see your written admission/discharge criteria and your dementia staff training documentation? A facility that hesitates is telling you something.

What memory care actually costs in NJ, 2025 CareScout data

CareScout (formerly Genworth) released its 2025 Cost of Care Survey (data collected July–November 2025) on March 3, 2026. The national assisted-living median rose about 5% to $6,200/month ($74,400/year), and New Jersey remains among the most expensive states in the country, 5th highest for assisted living:1

Memory care typically carries a premium over base assisted living, with tri-state memory care commonly landing at or above $8,500/month. NJ DOH does not publish a single percentage of AL beds licensed for dementia special care, but many NJ AL communities market dedicated memory-care wings.1

Two cost-mitigation paths matter most for NJ memory care:

1. MLTSS coverage of the ALR services component. For income-eligible families, MLTSS pays the dementia-care services and the family pays only the set ALR room-and-board rate ($996.40/mo in 2026) from the resident's Social Security and pension after the $147.65 personal-needs allowance.1
2. Long-Term Care Insurance, where it exists. NJ closed its Partnership for LTC program to new policies in 2014; existing policyholders retain the Medicaid asset disregard. Stand-alone LTC insurance and hybrid Life/LTC policies remain available; premiums vary by age, health status, and coverage terms.

Private-pay nursing-facility care in NJ is costlier still, and most families cannot sustain it for more than two to three years before exhausting assets and converting to Medicaid LTSS. The 60-month look-back means anything you do in the next five years matters.

Anti-amyloid therapy: what NJ families need to know about Leqembi and Kisunla

For some NJ families with mild cognitive impairment due to AD or mild AD dementia and confirmed amyloid pathology, the FDA-traditionally-approved anti-amyloid monoclonal antibodies lecanemab (Leqembi) and donanemab (Kisunla) are now real options. The question for most families is less "do they work" and more "is my family member eligible, where can I get the infusion, and who pays."

Federal coverage framework

Medicare Part B covers FDA-traditionally-approved anti-amyloid mAbs only when the prescribing clinician participates in a CMS-approved registry collecting real-world evidence (Coverage with Evidence Development, CED), with the patient paying the standard 20% Part B coinsurance after the deductible. Coverage applies to MCI due to AD or mild AD dementia with confirmed amyloid pathology (PET or CSF). Lecanemab (Leqembi) received FDA traditional approval July 6, 2023; donanemab (Kisunla) received FDA traditional approval July 2, 2024.1

Without coverage, both drugs carry substantial annual list prices, on top of infusion-suite costs and MRI surveillance for ARIA (amyloid-related imaging abnormalities, the principal safety concern, requiring serial MRI monitoring per FDA labeling). Confirm current pricing with the manufacturer and confirm your Medicare CED coverage before starting.

NJ infusion sites, what's confirmed

Robert Wood Johnson University Hospital (RWJBarnabas Health), New Brunswick is the New Jersey first-mover for clinical Leqembi infusion, outpatient neurology clinic, 125 Paterson Street, 6th floor, the same address as the Rutgers Cognitive Neurology Clinic. This is the practical NJ entry point. RWJBarnabas's system-wide infusion footprint also includes Cooperman Barnabas Medical Center (Livingston) infusion center plus a 27-county Home Infusion network.

Hackensack Meridian Health is research-active across multiple anti-amyloid trials but, as of May 2026, does not advertise routine clinical Leqembi or Kisunla infusion. Families seeking infusion services through HMH should ask their Center for Memory Loss and Brain Health (Paramus, 551-996-8100) or Center for Memory and Healthy Aging (Neptune, 732-897-3700) team about trial participation versus referral elsewhere.

Donanemab (Kisunla) infusion sites in NJ: Eli Lilly maintains a public Kisunla Injection Center Locator at infusionlocator.kisunla.com, query at the point of decision for the most current NJ list. Among NJ providers offering donanemab as of late 2025, Arthritis & Rheumatology of New Jersey (six NJ infusion centers) is one publicly listed provider.

Aetna Better Health of NJ Medicaid/D-SNP publishes a Leqembi Prior Authorization protocol mirroring the CMS coverage framework, verify your PA file is complete before infusion start.

Who is not a Leqembi/Kisunla candidate

Anti-amyloid therapy is approved only for MCI due to AD or mild AD dementia. Patients with moderate or severe dementia, dementia-with-Lewy-bodies, frontotemporal dementia, vascular dementia, or mixed dementia where AD is not the predominant pathology are not candidates. Patients on anticoagulants, with prior intracerebral hemorrhage, or with multiple ApoE4 alleles carry elevated ARIA risk and require careful candidacy assessment. The honest answer for many NJ families with later-stage diagnoses is that the ship has sailed, and that the energy is better spent on caregiver support, GUIDE enrollment, and quality-of-life care than on chasing a therapy your loved one is no longer eligible for.

NJ FIDE-SNPs and dementia, the dual-eligible bridge

If your family member is dual-eligible for Medicare and Medicaid (most NJ MLTSS members are, eventually) and you want coordinated dementia care across the two payers, Fully Integrated Dual Eligible Special Needs Plans (FIDE-SNPs) are the operational bridge.

NJ has four FIDE-SNPs in 2026:

1. Aetna Medicare FIDE (HMO D-SNP) H6399-001, renamed from Aetna Assure Premier Plus on 1/1/2026.
2. Horizon NJ TotalCare (HMO D-SNP) H8298-001, Horizon BCBSNJ.
3. UnitedHealthcare Dual Complete NJ FIDE.
4. Wellpoint Dual Advantage (formerly Amerigroup; rebranded 2024 Anthem-Wellpoint).

FIDE distinction from generic D-SNP: FIDE-SNPs are fully integrated, a single MCO manages Medicare + Medicaid LTSS under one care plan, one card, one care manager, one provider network. NJ requires its MLTSS MCOs to offer aligned FIDE-SNP products. Medicare/Medicaid alignment auto-enrollment ("default-enrollment") is available for newly Medicare-eligible MLTSS members.

Dementia-specific FIDE-SNP benefits (vary by carrier): all four offer dementia care management (RN/SW care manager) + enhanced caregiver support + in-home assessments. Some plans offer Special Supplemental Benefits for the Chronically Ill (SSBCI), non-medical transportation, meals, OTC-card spending on home modifications/incontinence supplies, and respite hours beyond GUIDE caps for non-GUIDE-eligible Medicare Advantage enrollees. Compare 2026 Evidence of Coverage (EOC) documents for SSBCI specifics by carrier.

For families weighing GUIDE-via-Original-Medicare versus FIDE-SNP-via-Medicare-Advantage: GUIDE delivers $2,500/year of respite + a single dementia care navigator + 24/7 helpline, but requires Original Medicare.1 FIDE-SNP delivers full Medicare + Medicaid integration with dementia care management, but generally cannot stack with GUIDE. The decision turns on (a) whether your family member is dual-eligible, (b) whether you value coordinated cross-payer care or the GUIDE-specific respite + navigator, and (c) what your local provider network looks like under each plan. A SHIP counselor can model the trade-off.

Legal documents and dementia: POA, advance directives, POLST, guardianship

Dementia changes capacity unevenly and unpredictably. The single most important thing you can do, the day after diagnosis, is execute the legal documents that give your family member's voice durability, before capacity makes voice harder to capture.

NJ Power of Attorney, N.J.S.A. 46:2B-8.1

NJ's Revised Durable Power of Attorney Act (N.J.S.A. 46:2B-8.1; L. 2000 c. 109) governs durable POA in New Jersey. NJ has not adopted the Uniform Power of Attorney Act (UPOAA); use NJ-specific forms reviewed by a NJ-licensed elder-law attorney, not a UPOAA template downloaded from another state.1

POA execution requires the principal to understand the nature and effect of the document at the time of signing. Mild-stage MCI generally retains capacity to execute. Document capacity contemporaneously: a brief physician note from the same week, a memo from the drafting attorney about how the principal answered the standard capacity questions, and ideally a witness who can attest to the principal's understanding. If you wait until later-stage dementia, the document may be challenged, and NJ courts will scrutinize.

NJ Advance Directives Act, N.J.S.A. 26:2H-53 et seq.

NJ recognizes three forms of advance directive under the Advance Directives for Health Care Act:

1. Proxy directive, names a health care representative (durable health care POA in some states' nomenclature).
2. Instruction directive, written wishes about specific treatments and end-of-life preferences.
3. Combined directive, both.

Execution: signature plus 2 witnesses or notarization. The directive activates upon attending physician + 1 other physician determining lack of decisional capacity, both physicians must concur in writing.

For dementia, the Combined directive is the most useful form: the proxy clause gives someone the legal authority to make decisions; the instruction clause gives that person, and the medical team, your family member's actual values to apply. Best executed during MCI stage when the person can still articulate their preferences clearly.

NJ POLST, N.J.S.A. 26:2H-129 et seq.

NJ's Physician Orders for Life-Sustaining Treatment (POLST) Act, passed 2011, amended P.L. 2019 c.218, is a medical order, not a legal document. Signed by an attending physician, advanced practice nurse, or physician assistant after discussion with the patient (if capacity) or surrogate (if not).

POLST is specifically recommended for advanced chronic progressive illness or life expectancy under five years. Moderate-to-advanced dementia is the canonical indication. The form addresses CPR, medical interventions (full treatment / selective / comfort), and artificial nutrition.

Important nuance: patients should generally not execute new POLST or new advance directives when cognitive impairment prevents informed decisions about specific treatments. Surrogate completion is permitted under NJ law when the patient lacks capacity and the surrogate has appropriate authority (proxy, spouse, adult child, etc.). The surrogate is asked to apply the substituted-judgment standard, what would the patient choose, based on what they previously expressed, not "what would you want."

NJ guardianship, Title 3B Chapter 12

When advance planning didn't happen, or when capacity has slipped before documents could be executed, guardianship under Title 3B Chapter 12 of the New Jersey Statutes is the legal pathway to make decisions on an incapacitated adult's behalf.

The procedural rule is R. 4:86 (Action for Guardianship of an Incapacitated Person). NJ recognizes limited guardianship under N.J.S.A. 3B:12-24.1, courts can tailor guardianship to specific decision areas (medical, financial, residence) where the person lacks capacity, preserving rights in others. For mild-to-moderate dementia where decision-specific capacity is variable, limited guardianship is often the right scope.

Cost: the filing fee is $200, but the total typical NJ guardianship action runs $5,000+ all-in, plaintiff's attorney fees, court-appointed counsel for the alleged incapacitated person, two physicians' certifications, and sometimes a bench trial. R. 4:86-4(e) gives the court discretion to assess fees against the estate of the alleged incapacitated person; in practice, larger estates more commonly bear those fees.1

A pending bill, S2836 (221st Legislature), would establish a Guardianship Monitoring Program in the NJ Office of Public Guardian for Elderly Adults. As of May 2026, S2836 has not been enacted.

The bottom-line legal sequence for an NJ dementia family

A NJ-licensed elder-law attorney consultation costs far less than a contested guardianship action and is infinitely more dignified for your loved one.1

NJ's two-organization dementia nonprofit landscape

One under-claimed feature of the NJ dementia landscape: two distinct nonprofit organizations serve NJ dementia families, with confusingly similar names. Each is real, each is helpful, and each has a different scope.1

Alzheimer's Association, New Jersey Chapter

Office: Florham Park, NJ. Catchment: the entire state. Phone: 973-437-3931 (administrative); 1-800-272-3900 (24/7 Helpline, routed nationally and to your local chapter).

If you are in South Jersey, this changed in January 2026. The Delaware Valley Chapter that used to serve Atlantic, Burlington, Camden, Cape May, Cumberland, Gloucester, and Salem became the Southeastern Pennsylvania Chapter that month, a separate Delaware Chapter was established, and those southern New Jersey counties moved to the New Jersey Chapter. There is now one Alzheimer's Association chapter for the whole state, so a South Jersey family that previously called Delaware Valley should call the New Jersey Chapter.1

The chapter runs the standard Alzheimer's Association programming: 24/7 Helpline, in-person and virtual support groups including a younger-onset dementia circuit, education programs (Understanding Alzheimer's and Dementia / Effective Communication Strategies / Healthy Living for Brain and Body), and the Walk to End Alzheimer's community fundraiser.

Alzheimer's New Jersey

Office: Roseland, NJ. Catchment: All of NJ. Phone: 1-888-280-6055.1 Web: alznj.org.

Alzheimer's New Jersey is an independent, NJ-only nonprofit, not a chapter of the national Alzheimer's Association. Originally affiliated, it separated in 2015 to focus exclusively on NJ caregivers and patients. AlzNJ runs free education programs, support groups (including in Spanish), a respite voucher program (modest grants for eligible families), an annual Caregiver Conference, and the CareLine 1-888-280-6055. AlzNJ also hosts the GUIDE Model panel programming where NJ families and providers compare notes on the NJ GUIDE participants.1

How to use both

Most NJ dementia families benefit from connecting with both: the Alzheimer's Association New Jersey Chapter for the 24/7 helpline + national-scale resources, and Alzheimer's New Jersey for NJ-specific education + the respite voucher + the GUIDE peer programming. The cost of connecting with each is zero. The opportunity cost of not is high.

Veterans with dementia in New Jersey

If your family member is a veteran, the federal VA system has the deepest dementia care infrastructure in the country, and NJ has unusually strong VA assets for the state's size.

VA New Jersey Health Care System (VANJHCS)

VANJHCS operates two VA medical centers plus 9 community-based outpatient clinics:

• East Orange VA Medical Center, 385 Tremont Avenue, East Orange 07018. Tertiary medical/surgical hub with full subspecialty including neurology and geriatrics. Main: 973-676-1000.
• Lyons VA Medical Center, 151 Knollcroft Road, Lyons 07939. Originally designed in the 1920s as a neuropsychiatric hospital. Main: 908-647-0180.

Lyons hosts a Community Living Center (CLC) of 250 beds, one of the largest CLCs in the entire VA system, serving veterans with serious mental illness, PTSD, substance use disorder, spinal cord injury, hospice/palliative, and dementia. The Lyons CLC is the only VA-run community living center in New Jersey. Ask the East Orange or Lyons social-work team specifically about the CLC dementia unit if your veteran requires facility-level dementia care.

GeriPACT, the VA dementia primary-care chassis

VA's Geriatric Patient-Aligned Care Team (GeriPACT) is the dementia-relevant primary-care framework at VA medical centers nationwide, managing dementia, frailty, falls, polypharmacy, and 65+ syndromes with an interdisciplinary team (geriatrician, RN, social worker, pharmacist, mental health). VANJHCS operates GeriPACT clinics at both East Orange and Lyons campuses.

Bronx GRECC serves NJ veterans

VANJHCS does NOT host its own designated GRECC (Geriatric Research, Education, and Clinical Center). The VISN-3 GRECC serving NJ veterans is the Bronx GRECC at James J. Peters VA Medical Center (130 W. Kingsbridge Road, Bronx 10468). NJ veterans needing research-grade dementia evaluation can be referred Bronx-ward via GeriPACT. Bronx GRECC operates a multi-site model with telehealth outreach to rural providers.

South Jersey VA coverage

South Jersey veterans flow through the VA Wilmington (DE) Health Care System and its South Jersey CBOCs (Vineland, Cape May, Northfield). Memory disorders and GeriPACT referrals for South Jersey veterans go through the primary VA team at the local CBOC.

VA Caregiver Support Program

The VA Caregiver Support Line at 1-855-260-3274 is the national entry point. NJ Caregiver Support Coordinators per the prior tick's verification:2

• Jennifer Adams-Barsch, LCSW (Lead), Jennifer.Adams-Barsch@va.gov.
• Peterson Pierre-Paul, MSW LCSW (Deputy).

For PCAFC eligibility (a veteran with a service-connected disability who needs in-person personal care assistance for at least six continuous months), CHAMPVA, counseling, 30 days/year of caregiver respite under 38 CFR 71.40, and travel benefits, see the VA Caregiver Support Program.2

Vet2Vet NJ peer support

Vet2Vet New Jersey: 1-866-838-7654. Peer-to-peer support for NJ veterans and their families.

Lewy Body, FTD, and younger-onset dementia in NJ

Not every dementia is Alzheimer's. NJ families navigating Lewy Body Dementia (LBD), Frontotemporal Dementia (FTD), or younger-onset dementia face an even thinner support landscape, but the resources do exist.1

Lewy Body Dementia Association (LBDA)

LBDA's confidential Lewy Line, 1-800-539-9767, is staffed Mon–Fri to answer LBD-specific questions and connect families to support. LBDA HQ is in Atlanta (404-935-6444).1

The only NJ-located in-person LBDA support group is the South Jersey LBD Caregiver Support Group, Voorhees, NJ. Additional virtual LBDA groups serve NJ residents. For LBD-specific neurologists, Rutgers UBHC COPSA's geriatric-psychiatry-led model is particularly well-suited to LBD's behavioral-psychiatric overlap.

Association for Frontotemporal Degeneration (AFTD)

AFTD HQ is at 2700 Horizon Drive, King of Prussia, PA, across the river from South Jersey. AFTD operates a HelpLine at 1-866-507-7222 (M–F 9–5 ET, social-worker-staffed) and info@theaftd.org. AFTD does not operate state chapters; NJ families access volunteer-led FTD support via AFTD's national volunteer network. For clinical FTD evaluation, NJ families typically refer to the Penn FTD Center (Philadelphia), one of the country's leading FTD academic programs.1

Younger-onset dementia (YOD)

For working-age dementia (typically diagnosed under 65), the Alzheimer's Association New Jersey Chapter (Florham Park, 973-437-3931) operates a younger-onset support group circuit. Alzheimer's New Jersey (1-888-280-6055) maintains complementary YOD educational programming.

YOD families face distinct challenges that traditional caregiver materials often miss: continuing employment + employer disclosure, FMLA / NJFLA / NJFLI navigation, dependent children at home, mortgage and college-savings planning, Social Security Disability eligibility (Compassionate Allowance for early-onset AD), and Medicare-before-65 timing under SSDI. Brevy will publish a dedicated NJ younger-onset dementia guide in a future tick.

NCCDP, headquartered in NJ

The National Council of Certified Dementia Practitioners (NCCDP) is HQ'd in Sparta, NJ, practitioner-facing certification (Certified Dementia Practitioner / Certified Dementia Care Manager). NCCDP is not a direct-care nonprofit; you would use NCCDP if you are a healthcare professional or family caregiver seeking dementia-specific training, not if you need direct services.

A word for kinship caregivers raising the next generation while caring for a parent

NJ has tens of thousands of grandparent kinship caregivers raising grandchildren, and many of those grandparents are also caring for a partner or parent with dementia, often without realizing they qualify for the NJ Kinship Legal Guardianship (KLG) Act (N.J.S.A. 3B:12A-1 et seq., as amended P.L. 2021 c.154, which cut the KLG residency requirement from 12 to 6 consecutive months), the NJ Kinship Navigator Program (entry through 211), or NJ's child-welfare placement preference for kin under recent KLG amendments.1

The intersection, caring for a grandchild while watching a spouse's cognition slip, is real and exhausting. NJ resources for the caregiver-of-grandchildren-and-spouse-with-dementia overlap with our NJ caregiver pillar and our forthcoming NJ Kinship Caregivers article. For now: 211 is your single front door for the kinship side; ADRC at 1-877-222-3737 is your front door for the dementia side.1

Where to start (today)

If you read nothing else, do these seven things this week:

That's it. The other 5,000 words above are detail on the seven calls. The seven calls, this week, are what change a family's trajectory.

About this guide

Methodology. This guide was assembled by Atlas, the Brevy newsroom AI, working from primary sources tiered as: T0 federal statute / CFR / Federal Register / CMS / IRS / VA / NIA; T1 NJ statute / NJAC / NJ DoAS / NJ DOH / NJ DHS / NJ legislature; T2 NJ academic medical centers and peer-reviewed literature; T3 advocacy and aggregator sources used only when T0–T2 are unavailable. Where primary verification was blocked (CMS GUIDE Participant List XLSX inaccessible from May 2026; specific NJAC 8:36 Subch. 19 staff training-hour count not pulled in this verification cycle; S2665 committee posture beyond introduction unverified), the limitation is flagged in the body and tracked in the underlying fact set.

Currency. Brevy updates state caregiver guides on a rolling basis as state programs change, federal guidance updates, and new NJ legislation enacts. Check back; or, where critical, verify with the primary source linked in the body. The most likely facts to change in the next 6 months: the next NJ Medicaid penalty-divisor update, S2665 enactment status, NJ FIDE-SNP 2026 mid-year benefit revisions, CMS GUIDE Model NJ participant additions, and CareScout 2026 Cost of Care updates.

No legal or medical advice. This guide is information, not advice. Before relying on any specific number, eligibility rule, or program design for your own family's planning, consult a NJ-licensed elder-law attorney, a CMS-credentialed SHIP counselor (SHIP referrals via NJ ADRC 1-877-222-3737; NJ Adult Protective Services 1-800-792-8820), and your loved one's treating clinicians.1

Feedback. Found something inaccurate, outdated, or unclear? Tell us, your editor-in-chief reviews every state guide, and corrections from NJ families and clinicians shape future revisions.

You are not alone. New Jersey has more support for dementia families in 2026 than at any point in its history. The seven calls in the "Where to start" section above are the first day. Brevy is here for the rest.

Learn More

Find personalized help navigating NJ dementia care at brevy.com.

The information on Brevy.com is for educational purposes only and is not a substitute for professional legal, financial, or medical advice. Rules vary by state and program and change frequently. Always verify with the relevant agency or a qualified professional. Brevy is not a law firm, financial advisor, or healthcare provider.