Anchor 2025

Here’s how the ANCHOR program filing works for 2025 in New Jersey

1. If you’re under 65 and not on Social Security disability

The state will file your ANCHOR application automatically on or around September 15, 2025, using your prior-year data. You’ll get an “ANCHOR Benefit Confirmation Letter” starting August 13. No action from you—unless:
- You need to change bank info
- You want a paper check instead of direct deposit
- You want to opt out altogether
  In those cases you must file your own application (ANC‑1) by September 15, 2025, marking “No” on Line 5a to opt out. www1.state.nj.us+11NJ.gov+11NJ.gov+11
If you don’t receive that confirmation letter, you need to file your own ANCHOR application, online or on paper, by October 31, 2025. lrrcenter.org+2NJ.gov+2

2. If you’re age 65 or older—or on Social Security disability

You’re lumped into a combined application: Form PAS‑1, covering ANCHOR, Senior Freeze, and Stay NJ.
You must file this yourself, either online or by paper. There is no automatic filing for this group.www1.state.nj.us+12NJ.gov+12NJ.gov+12
Online filing now requires ID.me identity verification—no more PINs. lrrcenter.org+6NJ.gov+6News 12 – Default+6
Deadline: October 31, 2025. Kiplinger+6NJ.gov+6NJB Magazine+6

3. Key dates to remember

August 13, 2025: Confirmation letters sent to under‑65, non‑disabled past recipients. lrrcenter.org+1
September 15, 2025:
- Automatic filing happens for under‑65 recipients (unless they opt‑out or update info). NJ.gov+1
- Last date to file your own application if you received the letter and want updates or paper. NJ.gov+1
October 31, 2025: Final filing deadline for everyone else who needs to file (PAS‑1 or standalone ANCHOR).NJ.gov+10NJ.gov+10NJ.gov+10

Bottom-line summary

Under 65, not on SSDI: Mostly hands-off. You get auto-filing unless you act by Sep 15.
Age 65+ or on SSDI: You must file the combined PAS-1, online (ID.me required) or by mail by Oct 31.
Anyone else or those missing the letter? You still need to file by Oct 31.