Benefits · New Jersey

Senior benefits in Cape May County, New Jersey

Seniors living in Cape May County, New Jersey have access to a wide range of benefit programs that can help with health care costs, prescription drugs, home energy bills, property taxes, and more. The Cape May County Department of Aging and Disability Services serves as the local Area Agency on Aging and is a strong starting point for help. Through this agency, seniors can get connected to programs like PAAD, Senior Gold, and NJ SHIP Medicare counseling. If you need help with energy costs, Cape May County's LIHEAP administering agency coordinates home energy assistance locally. Cape Regional Medical Center, the county's only hospital, offers its own financial assistance program for residents who need help with medical bills. Transportation options include NJ Transit bus routes and the Senior Reduced Fare program, plus the Cape May-Lewes Ferry for cross-border connections. State programs such as Senior Freeze, ANCHOR, and Lifeline Utility Assistance also apply here, along with dozens of federal programs. Each listing on this page includes its official source and the date it was last verified, and the administering agency makes all final eligibility decisions.

5

Local programs

19

New Jersey programs

25

Federal programs

15

Categories

Local starting point

Cape May County Department of Aging and Disability Services — designated Area Agency on Aging under the Older Americans Act Title III for Cape May County; one of 21 NJ county AAAs.

609-886-2784

See which of these Cape May County programs you may qualify for.

Find my benefits

Helping others? Print the Cape May County benefits checklist — free to hand out.

When benefit rules change, it’s tracked here

Income limits, new requirements, how to apply — see what’s changed across senior benefit programs, from the official source in plain English.

Benefit changes →

Programs run in Cape May County

Run by the county, its Area Agency on Aging, or another agency serving Cape May County. Start here.

Emergency Aid

Programs here are typically worth $200–$3,000 a year to an eligible household.

Cape May County Emergency Aid — Referral Coordination

County

Cape May County emergency aid: (1) Cape May County Board of Social Services for Cash Assistance (WorkFirst NJ TANF), General Assistance, Emergency Assistance, NJ FamilyCare Medicaid (609-886-6200); (2) Cape May AAA for senior-specific case management (609-886-2784); (3) NJHCPAP + hospital FAP for healthcare safety-net; (4) Cape May County Department of Social Services + Catholic Charities of the Diocese of Camden coordinate LIHEAP delivery for Cape May County for LIHEAP/USF; (5) Catholic Charities of the Diocese of Camden (serving all of South Jersey + Shore); (6) Food Bank of South Jersey + Community FoodBank of NJ; (7) NJ SHARES utility-bill assistance; (8) NJ 2-1-1 for general referrals.

$200–$3,000/yr

How to apply →Official source →211Last verified · September 2, 2026

Cape May County LIHEAP Administering Agency — Home Energy Assistance (Cape May County)

County

NJ LIHEAP for Cape May County residents: Cape May County Department of Social Services + Catholic Charities of the Diocese of Camden coordinate LIHEAP delivery for Cape May County. Income limit: 60% state median (~$50,005 family of 1, ~$65,000 family of 2). Apply via DCAid (dcaid.dca.nj.gov), by calling 1-800-510-3102, or at the local administering agency. USF (Universal Service Fund) layers on top for ongoing year-round utility relief.

$200–$1,500/yr

In this county: Cape May: NJ LIHEAP delivery via Cape May County Department of Social Services + Catholic Charities of the Diocese of Camden coordinate LIHEAP delivery for Cape May County. NJ Jersey Shore final batch closes the catalog.

How to apply →Official source →1-800-510-3102Last verified · September 3, 2026

Healthcare

Programs here are typically worth $500–$30,000 a year to an eligible household.

Cape Regional Medical Center (INDEPENDENT) — Financial Assistance (Cape May County)

County

Cape May County hospital safety net is Cape May = Cape Regional Medical Center (INDEPENDENT). Only in-county hospital. One of NJ's last small independent community hospitals. Cross-border DE health system access via Cape May-Lewes Ferry.. ALL NJ acute-care hospitals participate in NJ Hospital Care Payment Assistance Program (NJHCPAP, formerly Charity Care) — 100% covered ≤200% FPL, sliding scale to 300% FPL. Each system also operates its own Financial Assistance Program above NJHCPAP. Apply at the hospital's financial counseling office or at https://www.cooperhealth.org/patients-and-visitors/financial-and-insurance-information/financial-assistance-and-charity-care. Phone: 609-463-2000.

$500–$30,000/yr

In this county: Cape May: Cape May = Cape Regional Medical Center (INDEPENDENT). Only in-county hospital. One of NJ's last small independent community hospitals. Cross-border DE health system access via Cape May-Lewes Ferry.. NJHCPAP applies on top — 100% covered ≤200% FPL, sliding to 300% FPL. NJ Jersey Shore final batch closes the catalog.

How to apply →Official source →609-463-2000Last verified · June 11, 2026

Nutrition

Programs here are typically worth $1,500–$6,000 a year to an eligible household.

Cape May County Department of Aging and Disability Services — Title III + NJ SHIP + PAAD/Senior Gold Enrollment (Cape May County)

County

Cape May County AAA serves seniors age 60+ and caregivers. Services include: Title III Congregate Meals + Home-Delivered Meals (Meals on Wheels); NJ SHIP (Medicare benefits counseling); PAAD/Senior Gold/Lifeline enrollment via NJSave combined application; Jersey Assistance for Community Caregiving (JACC); Caregiver Support; Protective Services; LSTC Long-Term Care Options Counseling. Apply by calling AAA at 609-886-2784 or emailing aging@capemaycountynj.gov.

$1,500–$6,000/yr

How to apply →Official source →609-886-2784Last verified · September 1, 2026

Transportation

Programs here are typically worth $300–$2,500 a year to an eligible household.

NJ Transit (Atlantic City Line connections via Atlantic City + Cape May-Lewes Ferry cross-border DE) + Local Bus (Cape May County)

County

NJ Transit (Atlantic City Line connections via Atlantic City + Cape May-Lewes Ferry cross-border DE) + Local Bus serves Cape May County. Cape May County (~95K, NJ's southernmost county): NJ Transit bus 313/315/553/554 connects Cape May + Wildwood + Avalon to Atlantic City for further rail. Cape May-Lewes Ferry (Delaware River and Bay Authority) connects Cape May NJ to Lewes DE — cross-border DE/MD/VA gateway. NJ Transit Senior Reduced Fare half-fare for 62+. Limited fixed-route; seasonal tourist heavy.. NJ Transit Senior Reduced Fare ID required for half-fare — apply at NJ Transit customer service center or via mail-in form. Access Link statewide ADA paratransit within ¾ mile of NJ Transit bus routes.

$300–$2,500/yr

How to apply →Official source →609-465-3535Last verified · September 4, 2026

New Jersey and federal programs

Open to eligible households in Cape May County and across the rest of New Jersey. Full details are on the New Jersey benefits page.

Utility Assistance

Veteran Benefits

Nearby counties

County programs differ from one county to the next. If you live near a county line, or you are helping a parent who lives in one of these, it is worth checking there too.

← All New Jersey counties

Not legal or financial advice. The agency makes the final eligibility decision.