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.
After Mom Moves
AFTER MOM MOVES
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
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:
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
Assisted Living Regulations
Office of Health Care Regulation
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.
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.
Health Insurance Counseling, Advocacy, and Medicare Help
Need help with the Medicare Maze?
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?
Such insurance may be a good idea for you if fit one of the following situations.
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 Why look into annuities? If you're a Baby Boomer with little or no pension and most of your money in low-interest savings accounts, an annuity may be the key to a secure and comfortable retirement. How can you find out whether an annuity is right for you? Read .
401K Seventy-eight per cent of eligible American employees participate in their company's 401(k) plan, comprising over 40 million workers. The Enron collapse, coupled with new uncertainty in the investing and accounting industries, however, has even longtime 401(k) investors rethinking their approach. This guide explains the basics of 401(k) investing in plain English, showing readers how to manage their accounts, minimize their investment risk and maximize their returns. It discusses the pros and cons of including company stock and helps readers decide whether taking out a loan against their 401(k) is a wise idea. The text explains the difference between a defined contribution and a defined benefit plan, including the pros and cons of each, has sample 401(k) portfolios for various stages of life and contains a retirement calculator formula to know how much you need to save. Read 401k For Dummies
The type of care that may be administered ONLY BY A NURSING HOME near you, is defined by state regulations. Generally "medical procedures" and assistive acts requiring a nurse to physically "handle" a patient are limited to nursing home providers, when not in a hospital. Changing bandages deep wounds is often only permitted in Nursing Homes as is turning a patient in bed, who cannot turn themselves.
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:
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.
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.
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
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
To resovle moving issues, contact your state regulartory agency below.
PUC Transportation Licensing
and Enforcement Branch
Real Estate Agents: Buy or Sell
Interested in Buying or Selling
a Home or Condo?
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.
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.
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
Shared HousingChicago Northern Suburbs
Interfaith Housing Center of the Northern Suburbs promoting affordable housing for seniors.
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
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.
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
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/
Personal Income TaxTax Rate: 5 percent of net income.Sales Tax: 6.25% (1% on food, prescription and non-prescription drugs) Local taxes may raise to 8.5%
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.
For further information Illinois Department of Revenue.