Last Updated on September 18, 2025 by Rachel
Last updated: August 2025 | Contact information verified: August 24, 2025
Sources: New Jersey Department of Human Services, USDA Food and Nutrition Service, U.S. Department of Housing and Urban Development, New Jersey Department of Community Affairs, New Jersey Department of Labor
⚠️ Important: Program rules, benefit amounts, and income limits change frequently. Federal programs typically update in October (SNAP) and state programs may change with budget cycles. Always verify current information with the specific agency before making decisions based on this guide.
Quick Help – Need Assistance Today?
• Life-threatening emergency: Call 911 • Need shelter tonight: Call 211 or text your zip code to 898211 • Out of food: Apply for SNAP at NJHelps – emergency benefits in 7 days • Power being shut off: Call 1-800-510-3102 (NJ Energy Assistance Hotline) immediately • Eviction notice: Call Legal Services of NJ at 1-888-LSNJ-LAW (576-5529) right now • Lost your job: File unemployment at myunemployment.nj.gov or 1-877-UINJ-877 • Need health coverage: Apply at NJ FamilyCare or call 1-800-701-0710 • Pregnant or have kids under 5: Apply for WIC at your county health department • Domestic violence: Call 1-800-572-SAFE (7233) – 24/7 confidential hotline
If nothing above works: Call 211 and ask for a “warm handoff” to another agency that can help today.
If You Need Help Today
Get Food Within 24 Hours
Apply for SNAP benefits online at NJHelps. If your household has less than $100 in liquid resources and $150 in monthly gross income, ask for “expedited SNAP” – you can get benefits within 7 days.
New Jersey has a minimum monthly SNAP benefit amount of $95. If you qualify for less, New Jersey adds a supplemental payment so you receive the full $95.
If you’re pregnant, breastfeeding, or have children under 5, contact your county health department for WIC. You can often get a same-day appointment and immediate food benefits.
Stop a Utility Shutoff Right Now
• Call 1-800-510-3102 (NJ Energy Assistance Hotline) and ask for emergency LIHEAP assistance – winter crisis benefits up to $800 maximum • Call your power company and ask for a “hardship extension” – many give you 10-30 days • Bring your shutoff notice to any Community Action Agency immediately
Keep Your Housing
• Call 211 for emergency shelter and rental assistance programs • If you received an eviction notice, call Legal Services NJ at 1-888-576-5529 for emergency legal help • Ask about WorkFirst NJ Emergency Assistance – provides temporary housing, back rent assistance, and motel payments
Get Cash Quickly
Apply for WorkFirst New Jersey (WFNJ/TANF) at NJHelps. Provides monthly cash, child care, job search assistance and short-term housing support.
If you lost your job, file for unemployment benefits immediately at myunemployment.nj.gov or 1-877-UINJ-877. New Jersey pays up to $875 per week for up to 26 weeks in 2025.
Reality Check: Getting help isn’t instant. SNAP takes 7-30 days. TANF takes 2-6 weeks. Unemployment takes 2-3 weeks. Plan for this delay and ask every agency about emergency funds while you wait.
Main Points You Need to Know
• Apply the same day for multiple programs – SNAP, TANF, and NJ FamilyCare use similar applications at NJHelps • Ask specifically for expedited processing when your situation is urgent • Keep copies of everything – take photos of documents with your phone as backup • Report changes immediately – income, address, or household changes within 10 days to avoid problems • Most programs have work requirements – understand them before you apply • New Jersey expanded Medicaid – most adults qualify for health coverage up to 138% of poverty level • Apply to multiple housing lists – Section 8 waiting lists are long but application periods open periodically
Don’t expect miracles: While NJ has better benefits than many states, waiting lists are long and competition is fierce for limited assistance.
Emergency Cash and Food Programs
SNAP (Food Assistance) (Source: USDA Food and Nutrition Service, effective October 2024)
What it is: Monthly benefits loaded onto an EBT card to buy groceries. New Jersey follows federal SNAP rules with a state minimum benefit supplement.
How much you can get: Maximum benefits for fiscal year 2025: $291/month for one person to $975/month for a family of four
Income limits (USDA FNS, effective October 2024 through September 2025):
| Household Size | Max Monthly Income (185% FPL) | Max SNAP Benefit |
|---|---|---|
| 1 person | $2,510 | $291 |
| 2 people | $3,407 | $535 |
| 3 people | $4,303 | $768 |
| 4 people | $5,200 | $975 |
How to apply:
- Go to NJHelps
- Complete application online (takes 20-30 minutes)
- Upload photos of your ID, pay stubs, rent receipt, and utility bills
- Answer the phone when they call for your interview (usually within 1-2 weeks)
Timeline: Regular SNAP takes up to 30 days. Emergency SNAP takes 7 days if you have less than $100 in liquid resources and $150 in monthly gross income.
Documents needed: • Photo ID for adults • Social Security cards for everyone (if available) • Last 30 days of pay stubs (if working) • Rent receipt or lease • Recent utility bills
Reality check: Most families don’t get the maximum amount. New Jersey guarantees a minimum $95/month even if federal calculations are lower.
WorkFirst New Jersey/TANF (Cash Assistance) (Source: New Jersey Department of Human Services)
What it is: Monthly cash assistance for families with children under 18. You must participate in work activities once approved.
How much you can get: Payment amounts vary by household size and income. Families may receive assistance for a lifetime total of sixty months (5 years).
Income limits: For working families, total family income must not exceed 150% of the maximum payment for your household size.
How to apply:
- Apply at NJHelps (same application as SNAP)
- Attend required interview
- Agree to participate in work activities (up to 35 hours/week)
Timeline: Interview within 1-2 weeks, decision within 30 days, first payment the following month if approved.
Reality check: New Jersey has a 5-year lifetime limit on TANF. You must cooperate with child support enforcement and participate in work activities.
WIC (Women, Infants, and Children)
What it is: Special food packages and nutrition education for pregnant women, new moms, and children under 5. Includes formula, fruits, vegetables, milk, eggs, and cereal.
Income limits: Up to 185% of federal poverty level – same limits as SNAP’s gross income test.
How to apply: Contact your county health department or call the main number for your area. You’ll need an appointment for a health screening and nutrition assessment.
Timeline: Often same week if appointments are available.
Automatic qualification: If you already get SNAP, Medicaid, or TANF, you automatically meet WIC’s income requirements.
Health Coverage Options
NJ FamilyCare (Medicaid/CHIP) (Source: New Jersey Department of Human Services)
Adults (19-64): Up to 138% of federal poverty level (about $1,800/month for a single person, $3,698/month for a family of four in 2025)
Children under 19: Up to 355% of federal poverty level ($9,512/month for a family of four)
Pregnant Women: Up to approximately 205% of federal poverty level, with coverage extending after delivery
How to apply: Apply at NJ FamilyCare or call 1-800-701-0710.
Timeline: Typical processing: 2-4 weeks. Coverage can be retroactive in some cases and expedited for urgent medical needs.
Reality check: New Jersey expanded Medicaid, so most single mothers qualify for coverage. Children have much higher income limits than adults.
Housing Assistance Programs
Section 8 Housing Choice Vouchers
What it is: Federal rental assistance where you pay 30% of your income toward rent and the program covers the rest, up to local payment standards.
Income limits: Must be “very low income” – typically 50% of area median income. This varies significantly by county in New Jersey.
How much help: You typically pay 30% of your income toward rent. For example, if you earn $2,000/month, you’d pay about $600 and the program covers the rest.
Reality check: Waiting lists are extremely long – years in most areas. Many lists are closed and only open periodically.
How to apply:
- Find your local Public Housing Authority using HUD’s directory
- Apply when waiting lists open (they announce this on their websites)
- Apply to multiple PHAs to improve your chances
Emergency Housing Assistance
WorkFirst NJ Emergency Assistance: Provides temporary shelter, utility assistance, back rent payments, security deposits, first month’s rent, and motel payments for eligible TANF, GA, or SSI recipients.
Call 211 for: • Emergency shelter placement • Rapid rehousing (short-term rent assistance)
• Deposit and utility connection assistance • Homeless prevention programs
Work and Training Support
Unemployment Benefits (Source: New Jersey Department of Labor, 2025)
How much you can get: Up to $875 per week in 2025, calculated at 60% of your average weekly wage during your base year.
How long: Up to 26 weeks maximum total benefit amount.
Eligibility for 2025: You must have earned at least $303 per week for 20 or more weeks in covered employment during your base year, or a total of at least $15,200.
How to apply:
- File online at myunemployment.nj.gov
- Call 1-877-UINJ-877 if you can’t apply online
- You must be available for work and actively seeking employment
Timeline: First payment typically comes 2-3 weeks after filing.
Tax note: Unemployment benefits are taxable income federally and for New Jersey state taxes.
Energy Assistance Programs
LIHEAP (Low Income Home Energy Assistance) (Source: New Jersey Department of Community Affairs)
How much you can get: Heating assistance from $118 minimum to $1,278 maximum. Cooling assistance same range. Winter crisis assistance up to $800 maximum.
Income limits: Based on 60% of State Median Income (SMI). Income guidelines match Universal Service Fund levels.
Application period: October 1 – June 30 annually
How to apply: Call 1-800-510-3102 (NJ Energy Assistance Hotline) or contact your local Community Action Agency.
Universal Service Fund (USF)
What it provides: Monthly credit on your gas and electric bills, plus Fresh Start arrearage forgiveness. Monthly credits range from $5 minimum up to $180 per month.
Eligibility: Income at or below 60% State Median Income, and utility bills exceed 3% of household income.
NJ Lifeline Program
What it provides: $225 yearly electric or gas bill credit for seniors or disabled adults.
Eligibility: Age 65+ or disabled receiving Social Security benefits. 2025 income limits: $53,446 for individual, $60,690 for couple.
Real-World Examples
Example 1: Single Mom, Two Kids, Earning $2,500/Month
What she could qualify for: • SNAP: About $300-500/month (reduced due to income) • NJ FamilyCare for children: Yes (children qualify up to 355% FPL) • NJ FamilyCare for mom: No (income too high at $30,000/year) • TANF: No (income too high) • Section 8: Maybe, depends on local income limits • LIHEAP/USF: Possibly, depends on utility costs
Reality: She’d get food and health coverage for kids but struggle with rent and her own healthcare.
Example 2: Pregnant Woman, No Job, Living with Family
What she could qualify for: • SNAP: Expedited processing, benefits based on household income • WIC: Immediate benefits for pregnancy
• NJ FamilyCare pregnancy coverage: Yes • TANF: Depends on family income and living situation • Section 8: Could apply but long waiting lists
Timeline: SNAP in 7 days, WIC same week, NJ FamilyCare in 2-3 weeks.
Example 3: Recently Lost Job, One Child, Was Earning $3,500/Month
What she could qualify for: • Unemployment: About $525/week (60% of average weekly wage) for 26 weeks • SNAP: Partial benefits based on unemployment income • NJ FamilyCare for child: Yes • NJ FamilyCare for mom: Yes (unemployment income puts her under 138% FPL) • Emergency rent assistance: Maybe through local programs
Key: File for unemployment immediately – benefits are based on when you file, not when you lost the job.
Specific Resources for Different Situations
LGBTQ+ Single Mothers
• Apply for all programs normally – sexual orientation and gender identity don’t affect eligibility • If you face discrimination, document it (worker name, date, time) and request a supervisor • Contact Legal Services of NJ (1-888-576-5529) for legal support if needed • New Jersey has strong anti-discrimination laws protecting LGBTQ+ individuals
Single Mothers with Disabilities or Disabled Children
• If you receive SSI, you automatically qualify for NJ FamilyCare • SNAP has special rules for households with disabled members – higher income limits and medical expense deductions • Ask about “reasonable accommodation” in benefit processes (extra time, phone interviews) • Priority for housing assistance may be available
Veteran Single Mothers
• Ask about HUD-VASH vouchers (housing for homeless veterans) through VA and local housing authorities • Contact NJ Department of Military and Veterans Affairs for veteran-specific programs • May qualify for expedited services through some programs • Veterans’ preference points may apply to some housing programs
Immigrant/Refugee Single Mothers
• As of January 1, 2023, children under 19 may apply for NJ FamilyCare regardless of immigration status • Qualified immigrants may be eligible after 5-year waiting period for most programs • Refugees, asylees, and trafficking victims often qualify immediately • Emergency services (like emergency Medicaid) may be available regardless of status • Contact local refugee resettlement agencies for guidance
Tribal Members
• Can use both state programs and tribal-specific resources • Contact your tribal housing office in addition to applying to state housing authorities
• Indian Health Service facilities may be available for healthcare • Tribal members may have different documentation requirements
Rural Single Mothers
• Use 211 to find mobile food pantries and outreach clinics • Some programs have mobile services that visit rural areas monthly • Transportation may be provided for required appointments • Internet access required for many applications – check public libraries • Local Community Action Agencies often serve rural areas
Single Fathers
• All programs listed here are available to single fathers with custody • Don’t be discouraged if staff seem surprised – you have the same rights • “Caretaker relative” includes fathers, grandparents, guardians • Child support rules apply equally to single fathers
New Jersey Resources by Region
North Jersey (Bergen, Essex, Hudson, Morris, Passaic, Sussex, Warren Counties)
Bergen County: • Board of Social Services: 201-368-4200 • Address: 218 Route 17 North, Rochelle Park, NJ 07662
Essex County: • Division of Family Assistance and Benefits: 973-733-3000 • Address: 18 Rector Street, Newark, NJ 07102
Hudson County: • Department of Family Services: 201-420-3000 • Address: 800 Hudson Avenue, Secaucus, NJ 07094
Central Jersey (Middlesex, Mercer, Monmouth, Ocean, Somerset, Union Counties)
Middlesex County: • Board of Social Services: 732-745-3500 • Address: 181 How Lane, New Brunswick, NJ 08901
Monmouth County: • Division of Social Services: 732-431-6000 • Address: 3000 Kozloski Road, Freehold, NJ 07728
Mercer County: • Board of Social Services: 609-989-4320 • Address: 640 South Broad Street, Trenton, NJ 08611
South Jersey (Atlantic, Burlington, Camden, Cape May, Cumberland, Gloucester, Salem Counties)
Camden County: • Board of Social Services: 856-225-8800 • Address: 600 Market Street, Camden, NJ 08102
Atlantic County: • Division of Family and Community Development: 609-645-7700 • Address: 1333 Atlantic Avenue, Atlantic City, NJ 08401
Burlington County: • Board of Social Services: 609-261-1000 • Address: 795 Woodlane Road, Mount Holly, NJ 08060
Program Comparison Table
| Program | Max Monthly Benefit | Income Limit (Family of 3) | How Long to Get Help | Work Requirements |
|---|---|---|---|---|
| SNAP | $768 | $4,303/month | 7-30 days | Limited (ABAWD rules) |
| TANF | Varies by income | 150% of payment standard | 2-6 weeks | 35 hours/week |
| NJ FamilyCare | Free coverage | $2,969/month (adults) | 2-4 weeks | None |
| Unemployment | $875/week | Based on past wages | 2-3 weeks | Must seek work |
| Section 8 | Varies by rent | ~50% area median | 1-5+ years waiting | None |
| WIC | Food packages + benefits | $4,303/month | Same week | None |
Energy Assistance Comparison Table
| Program | Maximum Benefit | Income Limit | When to Apply | How Payment Works |
|---|---|---|---|---|
| LIHEAP Heating | $1,278 | 60% State Median Income | Oct 1 – June 30 | Direct to utility or check |
| LIHEAP Crisis | $800 | Same as LIHEAP | When facing shutoff | Direct to utility |
| USF | Up to $180/month | Same as LIHEAP | Year-round | Monthly bill credit |
| NJ Lifeline | $225/year | $53,446 individual | Year-round | Annual bill credit |
| NJ SHARES | Varies | Above LIHEAP limits | Year-round | Direct to utility |
Common Mistakes That Delay Your Benefits
SNAP/TANF Mistakes
• Not answering unknown calls: County workers often call from blocked numbers for interviews • Missing the interview: Reschedule immediately if you can’t make it – your application may be denied • Not asking for expedited SNAP: Specifically say you need “expedited SNAP” if you have little money • Incomplete documents: Upload clear photos of all required documents
Housing Mistakes
• Applying to only one housing authority: Apply everywhere you’re willing to live • Not updating contact information: You’ll lose your place if they can’t reach you • Waiting for “perfect” timing: Apply even if lists are closed – they’ll put you on notification lists
Energy Assistance Mistakes
• Waiting until after shutoff: Apply as soon as you get a shutoff notice • Not mentioning medical needs: Households with medical equipment get priority • Forgetting to mention heating type: Oil, propane, and electric heat get higher benefits
General Mistakes
• Not keeping copies: Always save confirmation numbers and emails • Not reporting changes: Income or address changes must be reported within 10 days • Giving up after one denial: Many denials are for missing paperwork or errors
What to Do If You’re Denied
- Request written reason for denial within 10 days
- File appeal if you disagree with the decision
- Ask for “aid pending” to continue benefits during appeal when allowed
- Get help from Legal Services of NJ: 1-888-576-5529
When Programs Don’t Work – Plan B Options
If SNAP is denied or delayed:
• Contact food banks through njfoodbank.org • Visit local churches and community centers for emergency food • Look for free community meals and food pantries • Check with WIC if you have young children
If housing assistance isn’t available:
• Negotiate payment plan with landlord in writing • Ask family/friends about temporary housing • Contact domestic violence shelters if that applies (they help all women in crisis) • Look into transitional housing programs through 211
If utilities are being shut off:
• Ask utility company for budget billing plan and hardship payment arrangements • Get doctor’s note for medical necessity if anyone has health conditions requiring power • Contact churches and local charities for one-time bill assistance • Look into NJ SHARES for additional utility help
If you can’t find work:
• Consider gig work (Uber, DoorDash, TaskRabbit) for immediate income • Ask current/former employers about temporary or part-time positions • Check with temp agencies for same-week work • Contact One-Stop Career Centers for job training
Emergency mindset: When you’re in crisis, accept help that gets you through today. You can make longer-term plans once you’re stable.
Timeline Expectations – Be Realistic
Week 1
• Apply for SNAP, TANF, NJ FamilyCare online at NJHelps • Contact county health department for WIC appointment
• File unemployment if applicable • Contact 211 for immediate emergency assistance
Week 2-3
• Attend SNAP/TANF interview by phone • WIC appointment and first benefits • First unemployment payment (if approved) • Emergency assistance decisions from county
Month 2-3
• Regular SNAP benefits begin • TANF decision and first payment • NJ FamilyCare coverage starts • Begin required work activities for TANF
Month 6+
• Review and recertify for ongoing programs • Housing assistance applications may start moving • Job training programs may be available • Build toward self-sufficiency
Managing expectations: Getting stable takes months, not days. Focus on immediate needs first (food, shelter, safety) then work on longer-term stability.
Common Questions Single Moms Ask
“Can I get help if I work?”
Yes, but income limits vary by program. SNAP and WIC have higher limits. NJ FamilyCare covers working families. TANF has stricter limits but working families may qualify under special rules.
“What if I don’t have all the documents?”
Apply anyway with what you have. Upload additional documents later. Counties are required to help you get needed documents. Ask about “good cause” exceptions if you’re fleeing domestic violence.
“How much can I earn and keep benefits?”
Each program is different. SNAP reduces gradually as income increases. TANF has strict limits but allows some work incentives. NJ FamilyCare has higher limits for families. Always report changes within 10 days.
“Can I get help if I live with family?”
Depends on whether you buy and prepare food together and how the household is structured. For SNAP, if you’re a separate household, you can often apply independently. Housing programs look at your individual income.
“What if I have a car payment or debt?”
Car payments don’t usually count as deductions for SNAP. Child support payments you make DO count as deductions. Student loans in deferment generally don’t affect benefits.
“How long can I get help?”
• SNAP: As long as you meet requirements (recertify every 6-12 months) • TANF: 5-year lifetime limit with some exceptions • WIC: Until child turns 5, or 1 year postpartum for mothers • Unemployment: 26 weeks maximum • NJ FamilyCare: No time limit if you follow program rules • Section 8: No time limit if you follow program rules
“What if I’m denied?”
You can appeal most decisions within 10 days. Get help from Legal Services of NJ (1-888-576-5529). Often denials are for missing paperwork or caseworker errors that can be fixed.
“Can I apply if I’m undocumented?”
Emergency services are available regardless of immigration status. Your U.S. citizen children can get NJ FamilyCare coverage regardless of your status. Emergency Medicaid covers childbirth and emergency medical care. Some local charities don’t check immigration status.
Language assistance: New Jersey provides interpreters and translated documents for major programs. Call the main number for any program and ask for language assistance.
Resources Directory
Statewide Helplines
• 211 New Jersey: Dial 211 or text your zip code to 898211 • NJHelps (Apply Online): njhelps.org • NJ FamilyCare: 1-800-701-0710 • NJ Energy Assistance: 1-800-510-3102 • Unemployment Insurance: 1-877-UINJ-877 • Legal Services of NJ: 1-888-LSNJ-LAW (576-5529)
Crisis Support
• Domestic Violence Hotline: 1-800-572-SAFE (7233) • National Suicide Prevention Lifeline: 988 • Crisis Text Line: Text HOME to 741741 • NJ Mental Health Cares: 1-866-202-HELP (4357)
Online Applications
• SNAP/TANF/NJ FamilyCare: njhelps.org • Unemployment: myunemployment.nj.gov • Energy Assistance: energyassistance.nj.gov
Document Help
• Vital Records (Birth Certificates): nj.gov/health • Social Security Cards: ssa.gov or 1-800-772-1213 • NJ ID/Driver’s License: nj.gov/mvc
Important Warnings and Reality Checks
About Benefit Amounts
New Jersey has better assistance programs than many states, but benefits still don’t cover all expenses. TANF amounts haven’t increased significantly in years. Think of these programs as a foundation while you build stability, not a complete solution.
About Waiting Times
Everything takes longer than you want. Section 8 waiting lists are years long. Even SNAP can take 30 days. Housing assistance applications may sit for months or years. Plan accordingly and apply to multiple programs.
About Work Requirements
Most programs require you to work or participate in job training. New Jersey enforces these requirements and will cut benefits if you don’t comply without good cause. Understand what’s expected before you apply.
About Income Reporting
Report ALL income immediately – cash jobs, child support, help from family, unemployment benefits, gig work. Programs share information with each other. Unreported income can get you in trouble with all programs and may result in overpayments you have to repay.
About Documentation
Keep detailed records of everything. Take photos of documents before submitting. Save all emails and correspondence. Write down names, dates, and confirmation numbers. This documentation protects you if problems arise.
NJ FamilyCare Income Limits Table (Effective January 2025)
| Household Size | Adults (138% FPL) Monthly | Children (355% FPL) Monthly | Pregnant (205% FPL) Monthly |
|---|---|---|---|
| 1 person | $1,800 | $4,645 | $2,683 |
| 2 people | $2,430 | $6,278 | $3,625 |
| 3 people | $3,060 | $7,910 | $4,567 |
| 4 people | $3,698 | $9,542 | $5,510 |
| 5 people | $4,336 | $11,175 | $6,452 |
Source: NJ FamilyCare income eligibility standards, effective January 1, 2025
LIHEAP/USF Income Limits (60% State Median Income)
| Household Size | Maximum Monthly Income |
|---|---|
| 1 person | $3,891 |
| 2 people | $5,094 |
| 3 people | $6,297 |
| 4 people | $7,500 |
| 5 people | $8,703 |
| 6 people | $9,906 |
Source: New Jersey Department of Community Affairs, FY 2025
Child Care Assistance Through TANF
If you’re receiving TANF and participating in work activities, child care assistance is available to help you meet your work requirements. The program pays for:
• Licensed child care centers and family day care homes • Before and after school care for school-age children • Transportation to and from child care • Care for children with special needs
How to apply: Your TANF caseworker will help you apply for child care assistance as part of your Individual Responsibility Plan.
Reality check: Child care assistance is limited and waiting lists exist in many counties. Apply as soon as you’re approved for TANF.
Important Phone Numbers Quick Reference
Emergency Numbers
• 911 – Life-threatening emergencies • 211 – Information and referral to local resources • 988 – Suicide and Crisis Lifeline • 1-800-572-SAFE – NJ Domestic Violence Hotline
Benefits Applications
• 1-888-576-5529 – Legal Services of New Jersey • 1-800-701-0710 – NJ FamilyCare • 1-877-UINJ-877 – Unemployment Insurance • 1-800-510-3102 – Energy Assistance Hotline
County Offices (Major Areas)
• 201-368-4200 – Bergen County Social Services • 973-733-3000 – Essex County Social Services
• 201-420-3000 – Hudson County Social Services • 732-745-3500 – Middlesex County Social Services • 856-225-8800 – Camden County Social Services • 609-645-7700 – Atlantic County Social Services
Transportation Assistance
NJ Transit Reduced Fare Program
Provides 50% discount on NJ Transit bus, rail, and light rail for: • Seniors 62+ • People with disabilities • Medicare recipients
Medical Transportation
• NJ FamilyCare members: Call your managed care plan for transportation to medical appointments • Medicaid transportation: Available for medical appointments when you have no other way to get there • Veterans: Contact VA for Disabled American Veterans van service
TANF Transportation Support
If you’re receiving TANF, ask your caseworker about: • Bus passes for work activities and job interviews • Mileage reimbursement for using your own vehicle • Help with car registration and driver’s license fees through Trans-Wrap program
Common Questions Single Moms Ask (Continued)
“What if I’m working but still can’t pay rent?”
Look into: • Emergency rental assistance through 211 • Negotiating payment plans with your landlord • Asking about local homelessness prevention programs • Applying for Section 8, even if lists are closed (get on notification lists)
“Can I get help with utilities if I don’t qualify for LIHEAP?”
Yes, try: • NJ SHARES: 1-866-657-4273 for households above LIHEAP income limits • Salvation Army and local churches often have emergency utility funds • Payment plans with utility companies • Medical certificate programs if anyone in household has health conditions
“What happens if I miss my SNAP interview?”
Call your county office immediately to reschedule. If you have “good cause” (medical emergency, work conflict, childcare issue), they must give you another chance. Get documentation for your good cause reason.
“Can I get benefits if I’m a college student?”
Maybe – SNAP eligibility for students expanded. You may qualify if you: • Receive TANF or WIC • Have an Expected Family Contribution of $0 for financial aid • Are eligible for work-study • Are a single parent with a child under 12 • Work at least 20 hours per week
“What if my ex doesn’t pay child support?”
• Report to NJ Child Support Services: 1-877-NJKIDS1 • They can garnish wages, intercept tax refunds, and suspend licenses • Any child support assigned to TANF goes to the county, but first $50/month may pass through to you • Keep records of missed payments
Disability-Specific Resources
If You’re Disabled
• Supplemental Security Income (SSI): Call 1-800-772-1213 • Social Security Disability Insurance (SSDI): Same number • Division of Disability Services: 1-888-285-3036 • Assistive Technology Program: 1-800-922-7233
If Your Child is Disabled
• Early Intervention Services: 1-888-653-4463 (birth to age 3) • Special Education: Contact your local school district • Children with special health care needs: 609-292-5676 • Supplemental Security Income for children: 1-800-772-1213
Important: Children receiving SSI may qualify for higher SNAP benefits and “child-only” TANF cases that don’t count toward your 5-year limit.
Mental Health and Substance Use Resources
Crisis Services
• NJ Mental Health Cares: 1-866-202-HELP (4357) • Crisis Text Line: Text TALK to 741741 • Screening for Mental Health: screening.mentalhealthamerica.net
Treatment Services
• PerformCare (children’s mental health): 1-877-652-7624 • County mental health services: Call your county directly • Substance abuse treatment: 1-844-ReachNJ (732-2465)
Special TANF Considerations
If you have substance abuse issues, you may be required to participate in treatment as part of your TANF work requirements. New Jersey has assessment programs to determine appropriate treatment and may provide exemptions from certain work requirements during treatment.
Legal Protections and Rights
Evictions
• Landlords must follow legal procedures and get court judgment • You have right to appear in court and present defenses • Legal Services of NJ provides free representation: 1-888-576-5529 • Emergency assistance may be available to prevent eviction
Utility Shutoffs
• Winter Termination Program protects certain households November 15 – March 15 • Medical certificates can prevent shutoffs for health-related needs • You have right to payment plans if you can’t pay full amount
Discrimination
• NJ Division on Civil Rights: 1-833-NJDCR4U for housing, employment, public accommodations • HUD Fair Housing: 1-800-669-9777 for housing discrimination • EEOC: 1-800-669-4000 for employment discrimination
Benefits Appeals
• You have right to appeal most benefit denials or terminations • Appeals must usually be filed within 10 days • You may be able to continue benefits during appeal process • Legal Services can help with appeals at no cost
Taxes and Benefits
Earned Income Tax Credit (EITC)
For tax year 2024 (filed in 2025): • Maximum federal EITC: $7,830 (3+ children), $6,960 (2 children), $4,213 (1 child) • New Jersey EITC: 40% of your federal EITC • You can get EITC even if you don’t owe taxes
Child Tax Credit
• Up to $2,000 per child under 17 • May be partially refundable • Income limits apply but are fairly high for most single mothers
Free Tax Preparation
• VITA (Volunteer Income Tax Assistance): Find locations at irs.gov/vita • AARP Tax-Aide: Available to all taxpayers, not just seniors • Community organizations: Many offer free tax prep during tax season
Important: EITC and Child Tax Credit refunds are NOT counted as income for benefit purposes if used within 12 months of receipt.
Special Situations
Domestic Violence Survivors
• Good cause exceptions available for TANF work requirements and time limits • Confidentiality protections for your address and information • Family Violence Option may waive certain program requirements • Emergency assistance available immediately • All county offices have domestic violence liaisons
Teen Parents
• Must attend school or GED program to receive TANF • Child care assistance available for school attendance • Living arrangement requirements – may need to live with parent/guardian • Special work requirements based on age and education level
Immigrants and Mixed-Status Families
• Emergency Medicaid covers emergency medical care regardless of status • Children who are U.S. citizens can get all benefits regardless of parents’ status • Qualified immigrants may be eligible after 5-year waiting period • Refugees and asylees eligible immediately • Prenatal care available through NJ FamilyCare regardless of status
Disclaimer
Program rules, benefit amounts, and income limits change frequently. This guide provides general information as of August 2025, but you should always verify current requirements with the specific agency before applying. Contact information and program availability can change without notice.
This guide is for informational purposes only and is not legal advice. For legal questions about benefits, appeals, or eligibility, contact Legal Services of New Jersey at 1-888-576-5529.
The information in this guide comes from official government sources, but errors can occur. Always check with the agency directly for the most current and accurate information about your specific situation.
When in doubt, apply anyway. It’s better to try and be denied than to assume you don’t qualify and miss out on help you need.
Resumen en Español – Ayuda de Emergencia para Madres Solteras en Nueva Jersey
Ayuda Inmediata (Llame Hoy)
• Emergencia: Llame 911 • Necesita refugio: Llame 211 o envíe su código postal por texto al 898211 • Sin comida: Solicite SNAP en njhelps.org – beneficios en 7 días • Van a cortar la luz: Llame 1-800-510-3102 (Línea de Asistencia de Energía de NJ) • Perdió su trabajo: Solicite desempleo en myunemployment.nj.gov o 1-877-UINJ-877 • Embarazada o niños menores de 5 años: Contacte su departamento de salud del condado para WIC
Programas Principales
SNAP (Cupones de Comida): Hasta $975/mes para familia de 4. Mínimo garantizado de $95/mes. TANF (Ayuda en Efectivo): Dinero mensual más cuidado infantil y entrenamiento laboral. NJ FamilyCare (Medicaid): Cobertura médica gratis o de bajo costo. NJ expandió Medicaid. Desempleo: Hasta $875/semana por hasta 26 semanas. Asistencia de Energía: LIHEAP hasta $1,278, USF hasta $180/mes.
Números Importantes
• NJHelps (Solicitudes): njhelps.org (servicios de traducción disponibles) • NJ FamilyCare: 1-800-701-0710 • Asistencia de Energía: 1-800-510-3102 • Desempleo: 1-877-UINJ-877 • Servicios Legales: 1-888-576-5529
Nota: Todos estos programas tienen servicios de interpretación. Los niños ciudadanos estadounidenses pueden calificar aunque los padres sean indocumentados.
About This Guide
Compiled by ASingleMother.org Editorial Team
This guide uses official sources from New Jersey Department of Human Services, New Jersey Department of Labor, New Jersey Department of Community Affairs, USDA Food and Nutrition Service, and U.S. Department of Housing and Urban Development.
This comprehensive resource is produced following our editorial standards using only official government sources and established nonprofit organizations. While carefully researched and regularly updated, this guide is not affiliated with any government agency and is not a substitute for official agency guidance. Individual eligibility outcomes cannot be guaranteed as program rules and funding availability change frequently.
Last verified: August 24, 2025
Next review: February 2026
Despite our careful verification process, errors may occur. Email corrections to info@asinglemother.org and we respond within 48 hours to serve New Jersey families better.
Official Sources
This guide references current policies and benefit amounts from:
• New Jersey Department of Human Services – nj.gov/humanservices • USDA Food and Nutrition Service – fns.usda.gov • U.S. Department of Housing and Urban Development – hud.gov • New Jersey Department of Community Affairs – nj.gov/dca • New Jersey Department of Labor and Workforce Development – nj.gov/labor • Legal Services of New Jersey – lsnjlaw.org • New Jersey 211 – nj211.org