New Jersey Pharmaceutical Assistance to the Aged & Disabled (PAAD) and Senior Gold
The State of New Jersey offers two primary prescription assistance programs: Pharmaceutical Assistance to the Aged & Disabled (PAAD) and Senior Gold Discount Program (Senior Gold). These programs help eligible seniors and individuals with disabilities save significantly on the cost of prescription drugs, including insulin and other life-saving medications. Both programs are integrated with Medicare Part D to provide a seamless layer of financial protection.
Eligibility: NJ PAAD (2026)
Individuals may be eligible for PAAD program if they meet the following state requirements:- Residency: Applicants must be legal residents of New Jersey.
- Age or Disability: Applicants must be age 65 or older, or between the ages of 18 and 64 and receiving Social Security Title II Disability benefits.
- Medicare Part D Enrollment: Beneficiaries must be enrolled in a Part D plan or Part C (Medicare Advantage) with prescription benefits.
- Income Limits: Annual income must be less than $54,943 for single individuals or less than $62,390 for married couples.
- Copay: $5 for each covered generic drug or $7 for each covered brand name drug, including premiums.
*Must be renewed every two years through the New Jersey state government.
Eligibility: Senior Gold (2026)
Senior Gold program provides secondary prescription coverage for those whose income exceeds the PAAD limits:- Residency: Beneficiary must be a legal resident of New Jersey.
- Age or Disability: Beneficiary must be 65 years of age or older, or at least 18 years of age and receiving SSDI benefits.
- Medicare Part D Enrollment: Beneficiaries must be enrolled in a Part D plan or Part C (Medicare Advantage) with prescription benefits.
- Income Limits: Annual income must be between $54,943 and $64,943 if single, or between $62,390 and $72,390 if married.
- Copay: $15 plus 50% of the remaining cost of each Senior Gold covered drug.
*Must be renewed through the New Jersey state government every year.
How to Apply
Use the NJSave portal to streamline applications for multiple senior benefits such as PAAD, Senior Gold, Lifeline, and more.
Contact
- NJSave: PAAD, Sr. Gold | 1-800-792-9745 | NJSave Contact Us
- NJ SHIP (State Health Insurance Assistance Program): Free counseling from state-trained experts
- AWCA provides counseling free of charge (201-862-1665 / info@awcanj.org)
Resources
