How to Apply for PAAD in New Jersey
Paul Findlow

The Pharmaceutical Assistance to the Aged and Disabled (PAAD) program helps eligible New Jersey residents lower their prescription drug costs. Applying is straightforward, and understanding the requirements ahead of time can make the process even easier. This guide walks through eligibility, documentation, and enrollment in clear, simple steps.

Check Your Eligibility

PAAD is available to New Jersey residents who meet specific requirements. To qualify, you must:

  • Be 65 or older, or between ages 18 and 64 with a disability
  • Be a New Jersey resident for at least 12 consecutive months
  • Meet income limits set by the state for the current year
  • Be enrolled in Medicare Part A, Part B, or both (for seniors)

Income limits change periodically, so it’s helpful to confirm the current thresholds before applying. Many applicants also qualify for additional savings through Medicare Savings Programs when applying for PAAD.

Gather the Required Documents

Having your documents ready can make the PAAD application process much smoother. You will typically need:

  • Proof of age or disability
  • Proof of New Jersey residency
  • Social Security number and Medicare card, if applicable
  • Most recent income statements, including tax returns or benefit award letters

Make copies of everything so you have personal records in case follow-up is requested.

Choose How to Apply

New Jersey offers multiple ways to apply for PAAD, making the process accessible for seniors and individuals with disabilities. You can apply:

  • Online: The quickest option, using the NJSave application to apply for PAAD and other assistance programs at the same time.
  • By mail: Request a paper application or download it from the state’s website.
  • By phone: Call the NJ ADRC (Aging & Disability Resource Connection) for assistance completing the form.
  • In person: Visit your county’s ADRC office for one-on-one support.

Applying through NJSave often helps applicants determine if they qualify for other benefits, such as Senior Gold or Medicaid programs.

Complete and Submit Your Application

Once you have chosen your application method, follow the instructions carefully and submit the required documents. If completing NJSave online, you will be guided through each section with prompts to upload or provide information. For paper applications, verify your forms are signed and all fields are filled out to prevent delays.

After submitting, you may be contacted if additional information or clarification is needed. Keeping your documents organized will help in case follow-up is required.

Watch for Your Enrollment Decision

PAAD applications are reviewed by the state, and decisions are typically mailed within several weeks. If approved, you will receive instructions on using PAAD benefits to reduce your prescription drug costs. If you are not approved, you may be directed to additional programs that can help.

Staying informed about renewal requirements is also important. PAAD may require periodic updates to income or residency information to keep benefits active.