Benefits · New Jersey

Senior benefits in Monmouth County, New Jersey

Seniors and their families in Monmouth 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 Monmouth County Division of Aging, Disabilities and Veterans Services serves as the local Area Agency on Aging and is a strong starting point for connecting to programs like PAAD, Senior Gold, and NJ SHIP Medicare counseling. Monmouth County's four hospitals — Jersey Shore University Medical Center, Monmouth Medical Center, Riverview Medical Center, and Bayshore Medical Center — each offer financial assistance programs for those who qualify. Home energy help is available through the Monmouth County LIHEAP Administering Agency, and NJ Transit's North Jersey Coast Line and local bus routes offer reduced fares for older riders. State programs such as ANCHOR, Senior Freeze, Lifeline Utility Assistance, and Medicare Savings Programs also apply here, along with dozens of federal programs. Each listing below includes its official source and the date it was last verified — the administering agency always makes the final eligibility decision.

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Local programs

19

New Jersey programs

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Federal programs

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Categories

Local starting point

Monmouth County Division of Aging, Disabilities and Veterans Services — designated Area Agency on Aging under the Older Americans Act Title III for Monmouth County; one of 21 NJ county AAAs.

732-431-7450

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

Find my benefits

Helping others? Print the Monmouth 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 Monmouth County

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

Emergency Aid

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

Monmouth County Emergency Aid — Referral Coordination

County

Monmouth County emergency aid: (1) Monmouth County Board of Social Services for Cash Assistance (WorkFirst NJ TANF), General Assistance, Emergency Assistance, NJ FamilyCare Medicaid (732-431-6000); (2) Monmouth AAA for senior-specific case management (732-431-7450); (3) NJHCPAP + hospital FAP for healthcare safety-net; (4) Affordable Housing Alliance (AHA) is the LIHEAP/USF administering agency for Monmouth County (and Ocean — 2-county service area) for LIHEAP/USF; (5) Catholic Charities of the Diocese serving Monmouth; (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 9, 2026

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

County

NJ LIHEAP for Monmouth County residents: Affordable Housing Alliance (AHA) is the LIHEAP/USF administering agency for Monmouth County (and Ocean — 2-county service area). 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: Monmouth: NJ LIHEAP delivery via Affordable Housing Alliance (AHA) is the LIHEAP/USF administering agency for Monmouth County (and Ocean — 2-county service area).

How to apply →Official source →1-800-510-3102Last verified · September 8, 2026

Healthcare

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

Jersey Shore University Medical Center (Hackensack Meridian, Neptune) + Monmouth Medical Center (RWJBarnabas, Long Branch) + Riverview (Hackensack Meridian, Red Bank) + Bayshore (HMH, Holmdel) — Financial Assistance (Monmouth County)

County

Monmouth County hospital safety net is Monmouth = Jersey Shore UMC (HMH Neptune flagship) + Monmouth Medical Center (RWJBarnabas Long Branch) + Riverview (HMH Red Bank) + Bayshore (HMH Holmdel). HMH-dominant.. 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.hackensackmeridianhealth.org/en/pay-bill/financial-assistance. Phone: 732-775-5500.

$500–$30,000/yr

In this county: Monmouth: Monmouth = Jersey Shore UMC (HMH Neptune flagship) + Monmouth Medical Center (RWJBarnabas Long Branch) + Riverview (HMH Red Bank) + Bayshore (HMH Holmdel). HMH-dominant.. NJHCPAP applies on top — 100% covered ≤200% FPL, sliding to 300% FPL.

How to apply →Official source →732-775-5500Last verified · September 4, 2026

Nutrition

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

Monmouth County Division of Aging, Disabilities and Veterans Services — Title III + NJ SHIP + PAAD/Senior Gold Enrollment (Monmouth County)

County

Monmouth 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 732-431-7450 or emailing aging@co.monmouth.nj.us.

$1,500–$6,000/yr

How to apply →Official source →732-431-7450Last verified · August 29, 2026

Transportation

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

NJ Transit (North Jersey Coast Line) + Local Bus + Seasonal Shore Service (Monmouth County)

County

NJ Transit (North Jersey Coast Line) + Local Bus + Seasonal Shore Service serves Monmouth County. Monmouth County: NJ Transit North Jersey Coast Line (Red Bank, Long Branch, Asbury Park, Belmar, Bay Head) — primary commuter rail. Seasonal Shore service expansion in summer. Multiple NJ Transit bus routes. SeaStreak ferry from Atlantic Highlands to NYC. Monmouth County mixes affluent suburban (Rumson, Colts Neck) with Jersey Shore (Asbury Park, Long Branch). NJ Transit Senior Reduced Fare half-fare for 62+.. 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 1, 2026

New Jersey and federal programs

Open to eligible households in Monmouth 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.