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seniorresource.com

... by State - Illinois

Placement Referral Help for Seniors Divider

State Guru

 On this state page you will find resources, senior housing, and senior lifestyle opportunities. Such items address Seniors' needs from Active Communities to Assisted Living along with Insurance, Medical and Financial Planning information.
We attempt to keep the state unique information current. To accomplish this we encourage individuals to become a state "guru".

If you are aware of any changes that need to be made or might want to become a guru with its related rewards, please let us know via the email or address at the bottom of this page.

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Bookmark seniorresource.com before clicking on any of our many links so you can come back to find more information!

After Mom Moves

After Mom Moves

After Mom Moves
AFTER MOM MOVES

Are you trying to manage the resources from afar?

  You may benefit from Seniors Real Estate Coordination
- Property preparation for sale - Estate clean out - No hassle transitions
- Communication with family & professional advisors - Home sale and closing
To contact a Seniors Real Estate Professional click HERE
NO extra fees or obligation

Agencies on Aging

Agencies on Aging

The Illinois Department on Aging helps older people live independently in their own homes and communities. Professional staff briefly assess needs, send literature and write referrals for a range of services such as case management, the Long-Term Care Ombudsman program, legal services, transportation, employment and nutrition services.
Department on Aging
One Natural Resources Way, #100
Springfield, IL 62702-1271
1.800.252.8966


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Alzheimer's Communities Regulations

The state requires health care facilities offering specialized care in the treatment of Alzheimer's disease and related dementias to fully inform the public regarding the facility and program of care.
A facility must fill out an Alzheimer's Special Care Disclosure Form if they offer care to Alzheimer's residents in a special unit. Staff must be on duty all hours of each day to provide services that meet the total needs of the residents.

Alzheimer's Unit Requirements set by:
Illinois Department of Public Health

535 W. Jefferson St. Springfield, IL 62761
217-782-4977

122 S. Michigan Ave. Chicago, IL 60603
312-814-2793

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Senior Apartments

You may choose to spend your golden years in a community designed especially for mature adults. Senior living facilities come in many sizes and shapes. Senior apartments are one such chose. A Senior Apartment allows you to take advantage of many amenities and personalized services without having to maintain a house and yard.

Senior apartments should be a consideration for older adults that can take care of themselves. Aside from age-restrictions these apartments are usually developed the same as standard apartments. Some of these apartments are also equipped with items such as hand rails and pull cords to make getting around and living easier. Also these apartments provide a community of elderly neighbors without the hassles of a larger home to manage. Properties can vary in terms of services but typically offer apartment living and services designed specifically for independent active seniors 55 and older. Since many of these residences are designed for active seniors, most do not offer meal service, housekeeping or medical services. Senior apartment complexes are usually located near senior centers, parks, shopping malls, golf courses and public transportation. Some provide van services to nearby shopping and needed services.

Senior apartments can be found in many communities, some are under federal housing guidelines and will only accept low income seniors, but most are privately owned. Many of the privately owned properties offer reduced rents to low-income tenants with assistance from Dept. of Housing Urban Development (HUD). You should be aware that senior apartments usually have a captured audience with a significant waiting lists period. The following table provides a listing of senior apartments in your state; those that may have subsidized units are identified with an "S" in the right hand column

 

Senior Apartment

Senior Apartments

Senior Apartments
Property
Address
City
ST
ZIP
S
X
 
    
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Assisted Living Regulations

Office of Health Care Regulation
Department of Public Health
217-782-2914

For health care facilities in Illinois quality of care standards have been established to ensure facilities provide health care services in a clean and safe environment that meets their physical, mental and psychological needs. Depending on the health care provider, the Office of Health Care Regulation may license, inspect or certify those that must comply with state and federal regulations.

Sheltered Care Facilities Sheltered Care Facilities provide personal assistance, supervision, oversight and a suitable activity program. Provisions are made for periodic medical supervision and other medical services as needed. Such facilities are for individuals who do not need nursing care but do need the services listed above in meeting their needs.


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HMOs Ranked

Award Winning HMOs

Find out if any HMOs in your area rank in the top 50.

HealthMatrix Research Inc. ranks HMOs, provides price comparisons, tips to ask when shopping for an HMO and answers to Frequently Asked Questions. The site provides cost comparisons for over 200 Medicare health plans in 100 cities; a quick search feature for consumers to locate Medicare health plans; a convenient on-line form for requesting Medicare health plan information. The website does not provide health/medical information except for links to other such websites.

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Health Insurance Counseling and Advocacy Program (HICAP)

Need help with the Medicare Maze?
Every state has a Health Insurance Counseling and Advocacy Program
to help understand Medicare coverage, payments and Medigap Insurance options. Contact Senior Health Insurance Program (SHIP) 800-548-9034
For more counseling information visit www.medicare.gov

The back button will bring you back to
Senior Resource after linking to other sites.

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Directories Senior Housing Options divider

Senior Housing Options

Assisted Living

Housing Directory

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Discount Drugs

The Partnership for Prescription Assistance helps qualifying patients without prescription drug coverage get the medicines they need for free or nearly free. Program benefits and eligibility varies by state call 888.477.2669 to learn more

Find Low Drug Prices

Save money! Compare prescription drug prices for 1,000+ medications. You'll also see online pharmacy ratings and shipping fees so you can compare total costs.

Find Low Drug Prices from Verified Pharmacies
 
compare drug prices


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Insurance: Automobile

All Web Leads USinsurance.com

Auto Insurance

cost effective auto insurance

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Insurance: Life

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Insurance: Long Term Care

Because of old age, mental or physical illness, or injury, some people find themselves in need of help with eating, bathing, dressing, and other physical activities. Long-term care insurance can help pay for such care in the future. To help protect your financial independence, as you grow older, many Long Term Care Insurance providers have plans that offer comprehensive benefits as well as a proven track record of claims payments and financial stability. You should review all your options carefully.

Insurance: Supplemental Health

Is Supplemental Health Insurance right for you?

Supplemental Health Insurance

Such insurance may be a good idea for you if fit one of the following situations.
  • You have limited savings
  • You are at higher risk for a major illness
  • Your health insurance coverage is limited
  • You want a bit more financial peace of mind

Supplemental Health Insurance provides benefits to mitigate medical expenses and other impacts due to a sickness or injury. Generally, it helps with expenses, such as your deductibles, that might not be handled your regular health insurance. Some supplemental policies may cover indirect expense, for example long distance medical travel.

Annuities 401K rollovers investments Divider

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Investments: Annuities, 401K Rollovers


Moving and Storage Divider

Moving and Storage Services

Make sure you have the information you need to protect your memories, money, and belongings from moving problems.

The best defense against moving difficulties is to be informed and aware of your options when choosing a reputable mover. While most household moves go smoothly, there are many pitfalls that you should be aware of. It can also be stressful, even under the best of circumstances. Use the checklist here to help guide you through the moving venture.

A key step is to read and understand all information provided by the mover. These should include the following basic documents as part of your move:

Estimates
The estimate should clearly describe, in writing, all charges for services the mover will perform. Make sure the estimate is signed by the mover.
Do not accept oral estimates.

Order for Service
The order for service is a list of all the services the mover will perform and shows the dates your household goods will be picked up and delivered
.

Bill of Lading
The bill of lading is a contract between you and the mover and a receipt of your belongings. You should be given a partially completed copy of the bill of lading before the mover leaves the residence at origin.

Inventory
The inventory is the receipt showing each item you shipped and its condition. Be sure you receive a written copy of the inventory after your household goods are loaded, and that you agree with its description of your household goods' condition

Moving Quote

Get state regulator help:

PUC Transportation Licensing and Enforcement Branch
415-703-2183

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Real Estate Agents: Buy or Sell

Whenever possible your inquiry goes to a Specialist trained to work with seniors from over 800 such specialists in our International referral network.

Having a Professional Specialist contact you, is just a click away! Fill out the inquiry form and we do the rest.

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Assisted Living Communities

Assisted Living Communities

Assisted Living Communities Your retirement planning should be based on understanding the options associated with Assisted living. As part of a retirement plan these options combine housing, support services and health care, as needed. Assisted living is a retirement service for individuals who require assistance with everyday activities such as meals, medication management or assistance, bathing, dressing and transportation. Some residents may have memory disorders including Alzheimer's, or they may need help with mobility, incontinence or other challenges of senior life. Residents are assessed to determine the level of service they may need. These retirement services generally include: 24/7 supervision, 3 meals a day, housekeeping, transportation, minor medical attention, personal care assistance, security and emergency call, exercise programs, social and educational activities. In addition some Assisted living communities may provide: gardens, libraries, and chapels.

Assisted living communities are operated by both profit and non-profit organizations. Pricing can range from $1000 to over $4,000 per month based on your location. There may be extra fees for special services.

Learn more about Assisted Living Communities here.


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Reverse Mortgage Divider

Reverse Mortgage Information

A FHA guaranteed Reverse Mortgage program enables older homeowners (62+) to 'borrow back' a portion of the equity in their home and convert it into cash while remaining in their home for as long as they want. They remain on title and do NOT have to make any loan payments for as long as they continue to live in the home and it remains their primary residence. When the last borrower sells, moves out or passes away, the loan becomes due. This enables many senior homeowners to age in place.

Learn more at:

- Senior Resource...Reverse Mortgage Overview

- Senior Resource...Finance Information

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Shared Housing

Aging in Place

Aging In Place

Aging in Place "Aging in place" is growing older without having to move. Aging in place with supportive services is one of the most desirable ways of aging. Aging in place can achieve efficiencies enabled by the customized care. Successful aging in place approaches focus on the provision of the most appropriate care for the specific individual. Thus avoiding wasted costs brought on by a "generic" care model.

An aging in place scenario, creates housing and health care options to provide support as defined by an individualís wishes and efforts to live independently. Aging in place can work best when it is employed as a part of a comprehensive plan for retirement and aging. A key step in implementing aging in place is to make your home aging friendly. As we age we don't hear so well, we sometimes forget or get confused and we can even outlive doctor's predictions about our longevity. So as long as we persist in growing older, why not arrange our homes to accommodate our reality. Incorporate memory triggers into the way we arrange cabinets and counters, add soft fabrics to muffle background noises, change appliances to better accommodate our short-comings.

Here is a book to help you make your homes senior-friendly.

Universal Design: A Step-by-Step Guide to Modifying Your Home for Comfortable, Accessible Living
The book, Universal Design: A Step-by-Step Guide to Modifying Your Home for Comfortable, Accessible Living by Barbara Krueger and Nika Stewart is a good place to start.With the book as a guide you can plan ahead for years before you critically need the advantages offered by the ideas in the book.

Also visit: the Universal Design Living Laboratory:A National Demonstration Home at http://www.UDLL.com by Rosemarie Rossetti, PhD

If you want to learn more visit our Aging in place section .

Once you have an idea of the changes needed in the home, it is time to discuss the changes with a contractor/builder in your area. Below is a list of of such providers in your area.


Medicare Insurance Divider

Special Needs Transportation

Special Needs Chicago provides transportation for seniors with mobility and cognitive challenges throughout Chicago and the suburbs that is safe, reliable, courteous and affordable.

Contact Special Needs Chicago
630-668-9999
michelle@specialneedschicago.org
www.specialneedschicago.org

Medicare Insurance Divider

State Department of Insurance

Insurance regulations differ from state to state. Need help with an insurance company provider? Want to know who writes Medigap insurance in your state?
Contact: Illinois Insurance Department

- 320 W Washington Springfield, IL 62767 217-782-4515
- 122 S. Michigan Ave. Chicago, IL 60603 312-814-2420

Or visit their site:
http://insurance.illinois.gov/HealthInsurance/MedSupplement.asp



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Taxes

  • Personal Income Tax
    Tax Rate: 5 percent of net income.
    Personal Exemptions: $2,000 for singles and $4,000 for married couples.
    A $15 credit is allowed for each exemption.
    Standard Deduction: 0.
    Medical/Dental Deduction 0. Federal Income Tax Deduction: 0.
    Public Pension Exclusion: Full.
    Private Pension Exclusion: Full.
    Social Security Exemption: Full.
  • Sales Tax: 6.25% (1% on food, prescription and non-prescription drugs) Local taxes may raise to 8.5%
    For further information Illinois Department of Revenue.

 


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