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The average cost of assisted living in the city is $4,794 a month. This guide is a starting point covering the cost of assisted living care in the city, as well as financing options to pay for it. You’ll find in-depth information on 3 assisted living facilities in Elmhurst and 30 in surrounding areas.
The Cost of Senior Care in Elmhurst, IL
Active seniors seeking new experiences and a worry-free lifestyle can find all this and more at Park Place of Elmhurst, a continuing care retirement community in Elmhurst, Ill.
An assisted living community that’s exceptionally in touch with the full range of resident’s needs is Lexington of Elmhurst. We are a community where you can feel enveloped in safety, comfort convenience and love.
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Park Place Health & Wellness Center is part of the Park Place Continuing Care Retirement Community, but you can also gain direct access to health services here. The Wellness Center offers rehab, assisted living, and even memory care if needed.…
Seniors in Elmhurst pay an average of $4,794 per month for assisted living, according to Genworth’s 2018 Cost of Care study. This is the highest rate in Illinois and about $700 more expensive than the state ($4,030) and national ($4,000) averages. Prices are almost as high in Rockford ($4,770) and Bloomington ($4,650) and only a bit less in Springfield ($4,410). Costs are more affordable in other Illinois cities, including Kankakee ($3,986), Peoria ($3,750) and Carbondale, which has the state’s lowest monthly rate of $3,475.
Note: Cost data for senior care in Elmhurst wasn’t available, so data for the metro Chicago area was used.
The Cost of Assisted Living in Surrounding Areas
Average monthly costs for senior care in Elmhurst range from a low of $1,728 for adult day health services to a high of $7,330 for nursing home care. This wide cost variance is due to many factors, such as the category of care, skill level of services offered and type of setting.
When comparing in-home care and assisted living, it might seem that homemaker and home health aide services are the more affordable alternative. The average costs for in-home care represent 44 hours per week of services only, while assisted living rates cover 24-hour residential care and typically include room and board. When everyday household expenses, such as utilities, food and upkeep, are factored in with home care rates, assisted living may be the more affordable option.
Senior Care Cost Comparison Chart
Low-income Americans with limited assets can receive free or low-cost health care services through Medicaid, the nationwide program that’s funded by the federal government in collaboration with each state.
The Illinois Department of Human Services administers the state Medicaid program known as Medical Assistance, which largely serves children, pregnant women, disabled and blind residents and the elderly. The program covers a range of essential services, including doctor and specialist care, hospital and emergency care, diagnostic tests, prescription medications and nursing home care.
Elmhurst residents seeking Medicaid coverage for long-term care must be U.S. citizens or legal residents and aged 64 or older or disabled or blind if younger. Applicants must also:
Income from every source counts, but certain assets are disregarded, including a primary home and its furnishings, one automobile and the applicant’s personal belongings.
If a married person’s spouse isn’t applying, only the applicant’s income is counted. Up to $2,739 of their monthly income and $109,560 in joint assets can be set aside as allowances for the non-applicant spouse.
Applicants with too high a monthly income to qualify for MA may be approved for a spend down to reach the necessary threshold. To qualify through a spend down, an applicant’s excess income must be put toward approved expenses, such as doctor or hospital bills, medical treatments, supplies and prescriptions.
Supportive Living Waiver
Illinois Medicaid only covers institutional nursing home care as an entitlement, but it does offer a Supportive Living waiver to provide an alternative to nursing home placement. To qualify, Elmhurst applicants must:
The above figures are the current benefit rates for Supplemental Security Income. This amount of income is required to ensure participants have the means to pay room and board, which isn’t covered by the waiver. The program only covers services provided by a state-licensed facility such as:
The SLW program is subject to a statewide enrollment cap and the number of participating facilities is limited, so qualified seniors may have to wait to receive services depending on availability.
For more information or to apply for the SLW program, Elmhurst seniors can contact the Department of Healthcare and Family Services Bureau of Long-Term Care at (844) 528-8444.
Assisted Living Bridge Loan
Seniors who are putting off relocating to an assisted living community due to a short-term lack of funds should consider an Elderlife Financial bridge loan. These loans are structured similar to a line of credit, so funds can be borrowed as needed, and direct monthly payments can be scheduled to a care facility of choice. Bridge loans have no out-of-pocket borrowing costs or application fees and a maximum 12-month term. This makes them an ideal option to cover assisted living entrance fees, monthly rent and care charges until permanent funding falls into place.
Aid to the Aged, Blind and Disabled
Seniors in Elmhurst with little income and few assets may be eligible for a monthly cash benefit through the Illinois Aid to the Aged, Blind and Disabled program. Applicants must meet one of the following criteria to qualify:
The Abbey is where Elmhurst seniors gather to socialize and enjoy a variety of life-enriching activities. The center offers fitness classes, such as yoga and tai chi, and games, including bridge, pinochle and bingo. It hosts a quilting club and regular Red Hat Society meetings and offers fun group outings to local points of interest and events. Seniors can also benefit from advice about area resources, free income tax preparation, frequent seminars on relevant topics and regularly scheduled health and wellness checks.
407 W. St. Charles Rd., Elmhurst, IL 60126
The Center for Disability and Elder Law provides free legal services to low-income elderly and disabled residents of Cook County. The nonprofit agency focuses on civil matters, such as estate planning, adult guardianship, elder financial abuse and other financial issues. To qualify for assistance, Elmhurst residents must be permanently disabled or aged 60 and older and have a household income below 150% of the federal poverty level.
Center for Disability and Elder Law
205 W. Randolph St., Ste. 1610, Chicago, IL 60606
The Elmhurst Senior Services office works in conjunction with Metropolitan Family Services to provide city residents aged 60 and older with free or low-cost counseling services. Consultations about a wide array of social and age-specific concerns can be conducted over the phone or by appointment at a senior’s home or City Hall.
City of Elmhurst Office of Senior Services
209 N. York St., Elmhurst, IL 60126
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