Pharmaceutical Assistance for the Aged & Disabled (PAAD) / Senior Gold

  1. Pharmaceutical Assistance for the Aged & Disabled
  2. Senior Gold


The Pharmaceutical Assistance to the Aged and Disabled program helps eligible New Jersey residents pay for prescription drugs, insulin, insulin needles, and syringes and needles for injectable medicines used for the treatment of multiple sclerosis. Only drugs approved by the Food and Drug Administration are covered. Drugs purchased outside the State of New Jersey are not covered, nor is any pharmaceutical product whose manufacturer has not agreed to provide rebates to the State of New Jersey.


A PAAD beneficiary:  

  • Must have an annual gross income for 2022 of less than $38,769 if single or less than $45,270 if married
  • Must be a New Jersey state resident
  • Must be 65 years of age or older, or at least 18 years of age and receiving Social Security Title II Disability benefits
  • Must enroll in a Medicare Part D Prescription Drug Plan
    • State and/or federal governments will pay Medicare Part D premiums for certain standard basic Medicare Part D plans with a monthly premium at or below the regional benchmark. In addition, the State of New Jersey will pay Medicare Part D premium for certain standard basic Medicare Part D plans or enhanced Part D plans with monthly premiums up to $20 over the regional benchmark that have no deductibles. Medicare Advantage(MA) participants must add a prescription benefit to their coverage, and PAAD will contribute up to the regional benchmark amount towards the prescription portion of the total premium for New Jersey plans unless the MA plan is paid for by a former employer or union


The PAAD co-payment will be $5 for each PAAD-covered generic drug prescription and $7 for each PAAD-covered brand-name drug prescription. PAAD beneficiaries may pay less for generic drugs if their Medicare prescription drug plan charges them less than the $5 PAAD copayment for generics.


Apply for PAAD or Senior Gold via the New Jersey Division of Aging Services website.