CODI: Cornucopia of Disability Information

Job Training and Business Opportunities

Job training and placement are the responsibilities of the
Division of Vocational Rehabilitation Services in the New Jersey
Department of Labor. Individuals of employable age with a
work-related disability can apply for services at any of the
division's district offices. A counselor will determine eligibility
according to specific guidelines. Eligibility generally is based on
the presence of a mental or physical disability that is a handicap to
employment and a reasonable expectation that the division's services
will help the individualbecome employable.
Once a person is deemed eligible for division services, a
vocational rehabilitation counselor will work with the individual and
his or her family to develop and carry out a plan for training and
place- ment. If financial need is established, the division will
purchase other rehabilitative services from private providers, such as
further evaluation or counseling, training at a vocational center or
technical school and on-thejob training.
Call the division's district offices for an appointment.

Division of Vocational Rehabilitation Services District Offces

Atlantic County
2100 Atlantic Avenue, Atlantic City, NJ 08401-7083
(609) 441-3080 TTY (609) 441-3091 Fax (609) 441-3284

Bergen County
60 State Street, Hackensack, NJ 07601-5471
(201) 996-8970 TTY (201) 996-8881 Fax (201) 996-8880

Burlington County
K-Mart Plaza, Route 541, Burlington, NJ 08016-4795
(609) 387-7600 TTY (609) 387-1856 Fax (609) 239-0313

Camden County
2600 Mt. Ephraim Avenue, Camden, NJ 08104-3290
(609) 757-2781 TTY (609) 756-2369 Fax (609) 365-5805

Cape May County
1136 Route 47 South, Rio Grande, NJ 08242-1695
(609) 886-9451 TTY (609) 886-9454 Fax (609) 886-6962

Cumberland/Salem Counties
40 East Broad Street, Suite 204, Bridgeton, NJ 08302-2881
(609) 453-3888 TTY (609) 453-3923 Fax (609) 453-3909

Essex County
124 Halsey Street, PO Box 226, Newark, NJ 07102-0226
(201) 648-3494 TTY (201) 623-7304 Fax (201) 648-3902

Gloucester County
251 Noqth Delsea Drive, Suite 26, Deptford, NJ 08096-1941
(609) 384-3730 TTY (609) 848-5302 Fax (609) 384-3777

Hudson County
438 Summit Avenue, Jersey City, NJ 07306-3187
(201) 217-7180 TTY (201) 217-7290 Fax (201) 217-7287

Mercer County
Labor Station Plaza, CN 959, 28 Yard Avenue
Trenton, NJ 08609-0959
(609) 292-5897 TTY (609) 292-2919 Fax (609) 292-8347

Middlesex County
506 Jersey Avenue, New Brunswick, NJ 08901-2672
(908) 937-6300 TTY (908) 545-8147 Fax (908) 937-6358

Monmouth County
60 Taylor Avenue, Neptune, NJ 077534844
(908) 775-1799 TTY (908) 775-1711 Fax (908) 775-1666

Morris County
7 Sussex Avenue, Second Floor, Morristown, NJ 07960
(201) 631 -6304 TTY (201) 539-3665 Fax (201) 631 -6305

Ocean County
1510 Hooper Avenue, Suite 120, Toms River, NJ 08753
(908) 255-0836 TTY (908) 255-0873 Fax (908) 255-0899

Passaic County
370 Broadway, Paterson, NJ 07501-2195
(201) 977-4285 TTY (201) 977-4297 Fax (201) 279-5895

Somerset/Hunterdon Counties
75 Veterans Memorial Drive East, Somerville, NJ 08876
(908) 704-3030 mr (908)545-8147 Fax (908) 704-3476

Sussex/Warren Counties
223 Stiger Street, Suite A, Hackettstown, NJ 07840-1217
(908) 852-4110 TTY (908) 852-0213 Fax (908) 813-9745

Union County
65 Jefferson Avenue, Second Floor, Elizabeth, NJ 07201
(908) 820-3112 TTY (908) 820-3132 Fax (908) 965-2976

Commission for the Blind and Visually lmpaired

The Commison for the Blind and Visually Impaired, New Jersey
Department of Human Services, provides vocational rehabilitation
services forpeople who are blind or visually impaired. The Commission
administers a vending stand program, and promotes and regulates the
sale and distribution of products made by people who are blind orhave
visual impairements. Call the Commission's field offices for more

Central Office
Route 18 & Spring Valley Road, Old Bridge, NJ 08857
(908) 360-2000

Newark Office
153 Halsey Street, Newark, NJ 07101
(201) 648-2111

Northern Office
100 Hamilton Plaza, Paterson, NJ 07505
(201) 977-4200

Pleasantville Office
1270 West Washington Avenue, Pleasantville, NJ 08232
(609) 645-6740

Southern Office
101 Haddon Avenue, Camden, NJ 08103
(609) 757-2815

Toms River Office
1510 Hooper Avenue, Suite 2400, Toms River, NJ 08753
(908) 255-0723

Supported Employment

Supported employment is a service that helps people with
developmental disabilities compete in regular jobs for regular pay.
Ongoing training and support is provided on or off the job site as
needed and requested by the worker with disabilities or the employer.
Supported employment has achieved success over the years by providing
opportunities for people with disabilities, the largest unemployed
segment of the population, to become part of the labor force. More
than 70 agencies provide supported employment programs. Contact the
University Affiliated Program's Integrated Employment Initiative /
Technical Assistance Project for a directory of supported employment
providers in New Jersey, or call the RESOURCES DATABASE for providers
in your county.

University Affiliated Program of New Jersey
Integrated Employment Initiative / The Technical Assistance Project
(908) 235-5421 TDD (908) 235-4407 Fax (908) 235-5059

Job Training Partnership Act

The Job Training Partnership Act (JTPA) is a joint venture
between government and the private sector to train and place
individuals who are economically disadvantaged in the labor market.
The JTPA can set up on-thejob training at a work site and reimburse an
employer 50 percent in the first six months of wages for each employee
who is eligible for the program. Disabled adults, age 22 and older,
and youths, ages 16 to 21, are eligible if they meet certain criteria
and definitions set down by the Federal, State or local welfare
system. Contact your local Private Industry Council for details.

Private Industry Councils Telephone Fax

Atlantic/Cape May (609) 345-6700 343-2182
Bergen County (201) 487-3400 487-1036
Burlington County (609) 265-5055 265-5006
Camden County (609) 962-5947 962-5946
Cumberland/Salem (609) 451-8920 451-2514
Essex County (201) 674-4500 674-8201
Gloucester County (609) 384-6970 384-0207
Hudson County (201) 659-0689 659-3067
Jersey City (201) 860-0080 860-0007
Mercer County (609) 989-6827 396-9563
Hunterdon Counties (908) 524-1121 524-6275
Monmouth County (908) 775-0400 9884215
Warren Counties (201) 285-6880 984-0132
Newark (201) 733-8500 733-5901
Ocean County (908) 240-5995 349-5627
Passaic County (201) 340-3400 340-7214
Union County (908) 527-4812 5274885

Americans With Disabilities Act

The Americans with Disabilities Act (ADA) has established
significant legal protections for people with disabilities in the
workforce, as well as those seeking employment. The law requires
employers to make reasonable accommodations for qualified workers with
disabilities, including changing the job or the workplace itself, or
considering assistive devices to help an individual perform the job.
The Equal Employment Opportunity Commission (EEOC) issued the
regulations that interpret the ADA's requirements. The Federal agency
also has responsibility for investigating discrimination in the

Equal Employment Opportunity Commission

Newark Area Omce
One Newark Center, 21st Floor, Newark, NJ 07102
(201) 645-6385

Philadelphia District Office
1421 Cherry Street, 10th Floor, Philadelphia, PA 19102
(215) 656-7000

Assistive Technology

The New Jersey Technology Resource Program, NJ TARP, is an
assistive technology program funded by a grant from the United States
Department of Education, through the National Institute of Disability
Rehabilitation and Research. In New Jersey, TARP is administered by
the Division of Vocational Rehabilitation Services.
The mission of the program is to increase the awareness of and
access to assistive technology for people throughout New Jersey.
Information about existing assistive technology services and devices
is provided to people of all ages and/or disabilities.
Assistive technology is the application of technology to
improve the quality of life for individuals with disabilities through
the use of a service or device. Three regional centers and an
equipment recycling center have been established to serve the needs of
New Jerseyans with disabilities.

TARP Regional Centers

Northern Technology Assistive Resource Program
Kessler Institute for Rehabilitation, 1199 Pleasant
Valley Way, West Orange, NJ 07052
(201) 243-6975 TDD (201) 325-7037

Central Technology Assistive Resource Program
Children's Specialized Hospital, 94 Stevens Road
Toms River, NJ 08755-1237
(908) 914-1100 extension 767 TDD (908) 914-2079

Southern Technology Assistive Resource Center
United Cerebral Palsy Association of New Jersey
354 South Broad Street, Trenton, NJ 08608
(609) 392-4004 extension 545 TDD (609) 392-7044

Back In Action -- New Jersey Assistive Devices
Recycling Center, Matheny School & Hospital
Main Street, Peapack, NJ 07977
(908) 234-0011 extension 218 TDD (908) 234-1227

Business Resources

The United States Small Business Administration operates a
Small Business Gurantee Program for existing businesses, as well as
the Handicapped Assistance Loan Program for entrepreneurs with
disabilities and non-profits with 75 percent or more employees with
disabilities. HAL loans are difficult to obtain and require 30 percent
from the borrower and collateral of some sort (usually property).
Expect nine to 12 months processing time.

U.S. Small Business Administration Region n
60 Park Place, Newark, NJ 07102

The New Jersey Disability and Non-Profit Micro Loan Flmd is a
business start-up loan pool co- managed by the NJ Developmental
Disabilities Council and the New Jersey Department of Commerce and
Economic Development. Applications are accepted from entrepreneurs
with disabilities and nonprofit agencies seeking to start for-profit
operations. Call or write first, and be prepared to discuss your
business plan. Applicants routinely are referred to Small Business
Development Centers to get started.

New Jersey Disability and Non-Profit Micro-Loan
Fund, Inc., CN-835, 20 West State Street
Trenton, NJ 08625-0835

The New Jersey Small Business Development Center at Rutgers
Graduate School of Management is funded by the U.S. Small Business
Administration and the New Jersey Department of Commerce and Economic
Development. The center helps entrepreneurs develop business plans,
apply for SBA-funded programs, and resolve business problems in an
existing operation. Call the SBDC satellite nearest you for an

New Jersey Small Business Development Center
Rutgers Graduate School of Management
University Heights, Newark, NJ 07102

Satellite services

Atlantic City area (609) 345-5600
Bergen Community College (201) 447-7841
Brookdale Community College (908) 842-8685
Kean College of New Jersey (908) 527-2954
Mercer Community College (609) 586-4800
Rutgers/Camden (609) 757-6221
Gloucester Community College (609) 691-8600
Salem Community College (609) 935-7510
Warren Community College (908) 689-9620

The Division of Development for Small Business and Women and
Minority Businesses, New Jersey Department of Commerce and Economic
Development, is the general resource point for small business start-up
in New Jersey. The division is the entry point for other sources of
financing and project development, including: The New Jersey
Development Authority for Small Businesses, and Minorities' and
Women's Enterprise, a casino-funded loan pool providing financing and
technical support for eligible business epterprises; The Casino
Reinvestment Development Authority, a casino-funded development fund
for southern New Jersey and special statewide projects of interest;
and The New Jersey Economic Development Authority, a bond-funded
economic development agency for the state, which provides financing
for large projects and guarantees for smaller projects in areas of
interest (non-profits are qualified applicants for bond or gurantee

New Jersey Department of Commerce
Division of Development for Small Business & Women & Minority Businesses
CN-835, 20 West State Street
Trenton, NJ 08625-0835
Fax (609) 292-9145

Financing for Business

The Handicapped Assistance Loan Program, HAL, can be a source
of funding, if the borrower can present a solid business plan, good
collateral and 30 percent of the loan amount up front. For the most
part, the Small Business Administration prefers loan guarantees, which
entails the participation of a commercial lender. Expect a wait of up
to one year for the process to be completed.

The Plan to Achieve Self Sufficiency Program, PASS, is part of
the Social Security Administration and is operated through local
Social Security Offices. PASS allows an individual who requires
Medicaid and SSA or SSI supports to begin a course to improve his or
her personal income, without losing benefits. In several cases, PASS
has been used to support business development. The key is to develop
the plan openly with a representative of the Social Security
Administration and to have a good business concept and plan. In most
cases, the amount received through PASS is small, allowing for only
in- home or small start-up businesses.