Pharmaceutical Assistance to the Aged and Disabled Program (PAAD)

What is the Pharmaceutical Assistance to the Aged & Disabled (PAAD) program?

The Pharmaceutical Assistance to the Aged and Disabled (PAAD) program is a New Jersey state program that helps eligible older adults and people with disabilities lower the cost of their prescription drugs. If you qualify, you’ll pay $5 for each generic drug and $7 for each brand-name drug that PAAD covers. In some cases, you may pay even less for generics if your Medicare drug plan charges less than $5. PAAD only covers drugs approved by the FDA.

PAAD does not cover:

• Drugs purchased outside the state of New Jersey
• Drugs from manufacturers that do not provide rebates to the state
• Diabetic testing supplies (like test strips and lancets)

Note: If you have other insurance, such as Medicare Part B, that pays for diabetic testing supplies, the pharmacy must bill that insurance plan instead—PAAD will not pay for them.

Am I eligible for the Pharmaceutical Assistance to the Aged & Disabled program?

To get help from the PAAD program, there are some rules you must meet. You may be eligible if:

• You live in New Jersey.
• You are 65 or older, or between 18 and 64 and receive Social Security Disability (Title II) benefits.
• Your income in 2025 is less than $53,446 if you’re single, or less than $60,690 if you’re married.

Note: If you have Medicare and qualify for PAAD, you must enroll in a Medicare Part D drug plan. PAAD will pay the monthly premium for certain basic plans that meet cost limits. You’ll still pay $5 for covered generic drugs and $7 for brand-name drugs. PAAD and Medicare will cover the rest.

If your plan doesn’t cover a drug, you’ll need to switch to one that is covered or have your doctor request an exception. If you have a Medicare Advantage plan, it must include drug coverage. PAAD will help pay for the drug portion of your premium, up to a set amount.

How do I apply for the Pharmaceutical Assistance to the Aged & Disabled program?

There are a few ways to apply for PAAD—choose the one that’s easiest for you.

Apply Online

To apply for PAAD online, go to the NJSaves website and click “Start New Application.” You will be guided through the application and can submit it online once completed.

Apply by Mail

To apply by mail, you must first download and print the paper application. You can find it here:

• PAAD Application 

 Fill out the application and send it, along with any required documents, to:

PAAD
Revenue Processing Center
P.O. Box 637
Trenton, NJ 08646

What if I need help applying to the Pharmaceutical Assistance to the Aged & Disabled program?

If you need help applying for PAAD or have questions about this or other benefit programs, you can call the New Jersey Department of Human Services, Division of Aging Services, at 866-657-2835 to speak with an agent. You can contact them online by sending a message through their contact form.