Financial Help for Single Mothers in New Jersey

Last updated: March 4, 2013 by Dawn

In spite of its proximity to the financial district of New York, New Jersey still offers a more affordable cost of living.

However, this does not do so much for single mothers who need more than affordability to keep their heads above water.

They go through the struggle of providing themselves & their kids with basic things such as food, shelter, health and clothing.

Through New Jersey’s state programs, single mothers receive ample support that make their life a little easier.

New Jersey Food Stamp Program

New Jersey Food Stamp program enables eligible low-income individuals and families to receive cash benefits to help pay for food. The maximum monthly benefits is $200 for a single individual up to $1,202 for a family of eight.1

Go to NJHelps.com to pre-screen or to apply online. This is a quick and easy way to find out if you qualify. If eligible, you’ll receive your benefits through the “Families First” card.

WorkFirst New Jersey

WFNJ is the cash assistance program for poor families with children under age 18. The program goal is to provide necessary assistance to needy families with children on a temporary basis.

WFNJ limits assistance to a maximum of 5 years over a participant’s lifetime, with certain exceptions. The elderly, disabled persons, and children under age 18 are exempt from this limit.

The state also has a program for single adults and couples without without dependent children who have little or no income, known as General Assistance (GA).

New Jersey Medicaid

NJ Medicaid is a medical assistance program that helps many New Jerseyans who can’t afford medical care pay for some or all of their medical bills. It covers families with children, pregnant women, and people who are aging, blind and disabled.

These programs pay for hospital services, doctor visits, prescriptions, nursing home care and other healthcare needs, depending on what program a person is eligible for.

New Jersey FamilyCare

NJ FamilyCare is a federal and state funded health insurance program created to help New Jersey families provide affordable health coverage for their dependent children. Eligibility is based on family size and monthly income, assets are not considered when determining eligibility.

For many families, NJ FamilyCare will be free. Other families will pay a monthly premium based on their income and small co-payments for some services.2

New Jersey Cares for Kids

NJ Cares for Kids provides subsidized childcare voucher payments 3 for working families and full time students who meet the guidelines mandated by the state of New Jersey.

This childcare subsidy will assist you to pay for childcare for infants, toddlers, preschool-age children, school-age children up to age 13, and for children with special needs up to age 19.

To be eligible, you must meet the strict income requirement and be employed full time for a minimum of 30 hours per week or be enrolled in a school/training program for a minimum of 20 hours per week.

New Jersey Special Program for Women, Infants, and Children (WIC)

NJ WIC serves New Jersey’s youngest residents and their families at risk for poor nutrition and medically related health problems as well as families experiencing unemployment and other interim family financial hardships.

It provides special checks or vouchers for buying healthy foods to supplement their diet. Other benefits include nutrition education, breastfeeding support, free screening and referral to health care.

Call 1-866-44 NJ WIC or 446-5942 for information about your local WIC agency and how to apply.

New Jersey Unemployment Insurance

Unemployment benefits are a safety net for those who lose their jobs through no fault of their own. They offer financial support to thousands of New Jersey’s unemployed; providing weekly cash benefits to those who qualify.

To be eligible for unemployment benefits, you must be able to work, available for work, and actively seeking work each week that you file a weekly claim for benefits.

Tuition Aid Grant (TAG)

The Tuition Aid Grant (TAG) Program is one of largest and most generous financial aid programs, with nearly one in every three full-time New Jersey undergraduates receiving awards. TAG awards are renewable annually and range from $2,500 to $6,000.

To be considered for a TAG award, the Free Application for Federal Student Aid (FAFSA) must be completed each year. Deadline is March 1.


  1. Source: LSNJ Law []
  2. FamilyCare Income Eligibility and Cost []
  3. Under the NJ Cares for Kids, you must pay part of the cost of your child care [co-payment]. []