Benefits · New Jersey

Senior benefits in Mercer County, New Jersey

Seniors in Mercer 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 Mercer County Office on Aging serves as the local Area Agency on Aging and is a strong starting point for connecting with programs like PAAD, Senior Gold, and NJ SHIP Medicare counseling. Hospitals in the county, including Capital Health and Penn Medicine Princeton Health, offer financial assistance programs for those who qualify. Help with home energy costs is available through LIHEAP, coordinated locally through the Mercer Alliance to End Homelessness and Catholic Charities of Trenton Diocese. The Mercer County Emergency Aid referral network can also connect residents to urgent support. State programs such as ANCHOR, Senior Freeze, Lifeline Utility Assistance, and Medicare Savings Programs are listed here as well, along with NJ Transit Senior Reduced Fare and dozens of federal programs. Each program listing includes its official source and the date it was last verified, and the administering agency makes all final eligibility decisions.

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Local programs

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New Jersey programs

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Federal programs

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Categories

Local starting point

Mercer County Office on Aging — designated Area Agency on Aging under the Older Americans Act Title III for Mercer County; one of 21 NJ county AAAs.

609-989-6661

See which of these Mercer County programs you may qualify for.

Find my benefits

Helping others? Print the Mercer 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.

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Programs run in Mercer County

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

Emergency Aid

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

Mercer County Emergency Aid — Referral Coordination

County

Mercer County emergency aid: (1) Mercer County Board of Social Services for Cash Assistance (WorkFirst NJ TANF), General Assistance, Emergency Assistance, NJ FamilyCare Medicaid (609-989-4320); (2) Mercer AAA for senior-specific case management (609-989-6661); (3) NJHCPAP + hospital FAP for healthcare safety-net; (4) Mercer Alliance to End Homelessness + Catholic Charities of Trenton Diocese coordinate LIHEAP delivery for Mercer County for LIHEAP/USF; (5) Catholic Charities of the Diocese serving Mercer; (6) Community FoodBank of New Jersey or regional food bank; (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

Mercer County LIHEAP Administering Agency — Home Energy Assistance (Mercer County)

County

NJ LIHEAP for Mercer County residents: Mercer Alliance to End Homelessness + Catholic Charities of Trenton Diocese coordinate LIHEAP delivery for Mercer 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: Mercer: NJ LIHEAP delivery via Mercer Alliance to End Homelessness + Catholic Charities of Trenton Diocese coordinate LIHEAP delivery for Mercer County.

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.

Capital Health (Hopewell + Regional Medical Center Trenton) + Penn Medicine Princeton Health — Financial Assistance (Mercer County)

County

Mercer County hospital safety net is Mercer = Capital Health (Trenton safety-net + Hopewell suburban, 2-hospital independent) + Penn Medicine Princeton Health (Penn cross-border PA-NJ academic affiliation since 2018). Cross-border PA-NJ.. 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 for those between 300-400% FPL. Apply at the hospital's financial counseling office or at https://www.capitalhealth.org/patients-visitors/bills-and-insurance/financial-assistance. Phone: 609-394-6000.

$500–$30,000/yr

In this county: Mercer: Mercer = Capital Health (Trenton safety-net + Hopewell suburban, 2-hospital independent) + Penn Medicine Princeton Health (Penn cross-border PA-NJ academic affiliation since 2018). Cross-border PA-NJ.. NJHCPAP applies on top — 100% covered ≤200% FPL, sliding to 300% FPL.

How to apply →Official source →609-394-6000Last verified · September 8, 2026

Nutrition

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

Mercer County Office on Aging — Title III + NJ SHIP + PAAD/Senior Gold Enrollment (Mercer County)

County

Mercer 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 609-989-6661 or emailing aging@mercercounty.org.

$1,500–$6,000/yr

How to apply →Official source →609-989-6661Last verified · August 26, 2026

Transportation

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

NJ Transit (Northeast Corridor + River Line Light Rail) + Local Bus (Mercer County)

County

NJ Transit (Northeast Corridor + River Line Light Rail) + Local Bus serves Mercer County. Mercer County: NJ Transit Northeast Corridor (Trenton, Hamilton, Princeton Junction — Trenton is also the southern terminus for SEPTA's regional rail to Philly) + River Line Light Rail (Trenton-Camden, NJ's only diesel light rail). Local NJ Transit bus + Princeton TigerTransit. NJ Transit Senior Reduced Fare half-fare for 62+. Trenton/Mercer is NJ's transit-system intersection with PA SEPTA.. 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 →973-491-7600Last verified · September 4, 2026

New Jersey and federal programs

Open to eligible households in Mercer 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.

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