The federal government said it has the backs of those affected by Hurricane Sandy. FEMA is now offering emergency funds for New Jersey residents, families and business owners.

The Federal Emergency Management Agency has approved $127 million in individual assistance for those in New Jersey affected by Superstorm Sandy.

The Franklin Township municipal building in Warren County is one of 22 disaster aid center's across the Garden State. It's where residents can meet with FEMA specialists to see what federal disaster relief funds are available to them.

"Each applicant will be individually looked over to see if they have homeowners insurance," said FEMA's Jeanie Crittenden.

FEMA funds would cover what home insurance doesn't. All residents are eligible for some of the $127 million in federal funds funneling into the Garden State.

Reimbursements could include rental and short-term lodging; grants for home repairs, medical, dental, funeral and transportation costs. Small business and U.S. Department of Agriculture loans are available, too.

Unemployment payments are also available. That's something Kevin McCann said he needs after he and his wife's businesses had to shut down.

"Fair being fair, if big corporations and banks need money, the government steps in and gives it to them. Now individual taxpayer, we need assistance," he said.

You can also apply online and over the phone but those at the center said it can be complicated and frustrating. The centers are open from 8 a.m. until 8 p.m.

As of now, there is no individual federal aid for people in Pennsylvania.

For more information, you can go to or call 1-800-621-FEMA (3362).