UOSS Camden County Special Initiatives

Home

Community
       First Call for Help
       No Wrong Door
       Cumberland Helps

Camden County Services
       Volunteer Center of Camden County
       Camden County Special Initiatives
       Senior Safe Home Programs

Union Services
       AFL-CIO Community Services
       Construction Trades Training

About Us
       Contact us
       Directors
       Sponsors

Web Site

COBRA Subsidy

If you lost your job between September 1, 2008 and December 31, 2009 due to involuntary termination you and your family may qualify for a COBRA subsidy of 65% to help you keep your health benefits. You would be responsible for 35% of the monthly health benefit cost. The full subsidy is available for individuals with a modified adjusted gross income of up to $125,000 a year or $250,000 a year for joint filers. A reduced subsidy is available for those with incomes between $125,000 and $145,000 ($250,000 and $290,000 for joint filers). For more information about the way this program works contact the US Department of Labor Employee Benefits Security Administration Benefits Advisor at 1-866-444-3272.

Hard Times Hotline

The Hard Times Hotline is a Partnership between Camden County Office of Constituent Services and United Way of Camden County. The Hotline helps people impacted by the collapse of the banking and credit system in September 2008. If you need help, especially with the following areas of concern:

Food
Food Stamps
Medical Assistance
Continuing your medical benefits under COBRA
Financial Assistance
Financial Literacy
Pension Literacy
Consumer Credit Counseling
Mortgage Foreclosure Mediation
Unemployment Extension Information
Job Opportunities Resources

Contact the Hard Times Hotline at 1-800-331-7272. Ask for the Hard Times Hotline Program and the staff will connect you to the services and programs that can help.

Practical Information for Immediate Needs

If you are having trouble paying your mortgage and are afraid you will loose your house because you can’t make the full mortgage payment the State of New Jersey has set up a special program to help. The program is free. The New Jersey Mortgage Foreclosure Mediation Program works with mediators that assist a lender and a borrower to reach a voluntary and mutual agreement to resolve a mortgage loan delinquency. To be eligible for assistance you need to meet the following conditions:

You must be the owner occupant of a one to three family home.
The property must be your primary residence.
You are the borrower and your mortgage loan is being foreclosed.You are not in bankruptcy, or, if you are in bankruptcy, the petition is discharged, dismissed, or the bankruptcy stay is lifted to allow foreclosure to proceed.

There are other options if your mortgage is not yet in foreclosure. Contact the Hard Times Hotline and we will help you review and understand your options and connect you to the New Jersey Courts Foreclosure Mediation Program directly.

Privacy Statement