1. Private pay
Many families pay out of pocket, often the simplest way to start. Harmony Support offers flexible scheduling with no long-term contracts, so you only pay for the hours you need.
2. Long-term care insurance
If your loved one has a long-term care (LTC) insurance policy, it may cover non-medical in-home care. Check the policy's daily benefit, elimination period, and covered services.
3. Veterans benefits
Veterans and surviving spouses may qualify for the VA's Aid & Attendance benefit, which can help pay for in-home personal care and companionship.
4. Medicaid & NJ DDD funding
For individuals with developmental disabilities, many support services are funded through Medicaid via the NJ Division of Developmental Disabilities. Older adults may have other Medicaid pathways.
Not sure where to start?
We'll help you understand which options may apply to your family — at no cost. Call (973) 920-5737 for a free consultation.
This article is general information, not financial or benefits advice. Coverage varies by policy and program; confirm details with the insurer, the VA, or NJ Medicaid/DDD.
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