Find Your Chicago, IL Care Advisor
Find the Best Assisted Living Near Chicago, IL
Finding assisted living options in Chicago can be a confusing and time-consuming process. Fortunately, local senior living care advisors are available to work closely with you to guide you from beginning to end. Their familiarity with nearby assisted living communities in the area allows them to offer a hands-on, personal approach centered around your loved one’s needs.
Finding Your Assisted Living Advisor in Chicago, IL
What is the Cost of Assisted Living in Chicago, IL?
According to the 2021 Genworth Cost of Care survey, the current median monthly cost of assisted living in Chicago is $4,825. This amount is projected to increase to $5,738 by 2025. However, the exact price can vary depending on several factors, such as services, amenities, and exact location within the greater Chicago metropolitan area.
Chicago, IL, at a Glance
The third-largest city in the United States, Chicago is known for its culture, sports, architecture, distinctive neighborhoods, and warm hospitality. It has a culturally diverse population and is considered very friendly to members of the LGBTQ+ community. Roughly 15% of residents are 65 years of age or older, and the City of Chicago provides a wide variety of support services to address the diverse needs and interests of older adults.
Chicago Weather and Climate
Climate and weather conditions can be major factors when it comes to deciding if you or your loved ones should settle in a Chicago assisted living community.
Located on the shores of Lake Michigan, Chicago has a humid continental climate. This means residents experience damp and mild springs, hot and humid summers, temperate autumns, and chilly winters. July is generally the hottest month, with an average high temperature of 84 degrees Fahrenheit. In January, the average low temperature hovers around 18 degrees Fahrenheit.
Another important consideration is air quality. Chicago has an average air quality index (AQI) of 52 (“moderate”). This means the air is potentially unhealthy for sensitive groups, such as senior adults and people with pre-existing cardiovascular or respiratory health conditions. This could possibly restrict the amount of time you or your loved one can spend outdoors.
Local Hospitals and Notable Medical Care
There are over 40 hospitals serving residents of the greater Chicago area. Top medical facilities include:
- Northwestern Memorial Hospital — a general medical and surgical facility that is nationally ranked in multiple adult care specialties.
- Rush University Medical Center — a widely acclaimed institution that is ranked nationally at #14 for geriatric care by “U.S. News.”
- University of Chicago Medical Center — This hospital is #19 in the U.S. for diabetes and endocrinology treatment by “U.S. News.”
The state of Illinois offers several medical assistance programs to make medical care more affordable for senior adults with limited income.
With 129 bus routes and an eight-line rapid transit system (called the “L”), the Chicago Transit Authority (CTA) offers many options for getting around Chicago and its 35 surrounding suburbs. Reduced (or even free) fares are available to seniors, people with disabilities, children, students, and active military members.
Chicago is also one of the top 10 most walkable large cities in the country, according to the Redfin Walkability survey. In 2020, it scored a 77.4, which means that most errands can be done on foot.
In addition to public transportation and walking, the Chicago Department of Family & Support Services offers a door-to-door transportation program for eligible seniors. Furthermore, they assist seniors who need emergency medical transportation. There are also numerous private transportation services, including companies that specialize in the transportation needs of older adults.
Arts, Culture, and Recreation
Chicago boasts a wide selection of cultural and recreational opportunities. It hosts several world-class attractions, including the Field Museum, Shedd Aquarium, and The Art Institute of Chicago. There are also numerous professional dance and theater companies.
If you are a sports fan, Chicago is home to major professional teams in baseball, football, basketball, hockey, and soccer. For people who enjoy going outside, there are 600 public parks, 70 nature and bird sanctuaries, and 26 miles of open lakefront to explore.
How Do I Pay for Chicago, IL Assisted Living?
Qualified military veterans, their spouses, or surviving spouses should examine their VA benefits. The Aid and Attendance program can help cover the cost of care for assistance with daily activities like bathing, dressing, eating, taking medication, and other hygiene requirements. Program benefits apply whether assistance is provided at home or in a community living situation.
Long-Term Care Insurance
Unlike regular health insurance, a long-term care (LTC) insurance policy helps cover the costs of care when you have a chronic medical condition, a disorder such as Alzheimer’s disease, or other disabilities. Examples of long-term care services include assistance with routine daily activities, like bathing, dressing, or getting in and out of bed. Most LTC policies will reimburse you for the care given in a variety of situations, including assisted living facilities.
The four main methods for using a house to pay for assisted living are renting the property, selling it, getting a reverse mortgage, and getting a home equity line of credit. The best course of action depends on your family situation and in what location your loved one will receive care.
Medicare does not currently offer long-term coverage for assisted living. However, in some situations, Medicare A (hospital insurance) may be able to temporarily cover some of your loved one’s daily skilled care in an assisted living community. However, assistance is limited to skilled nursing services for the first 100 days after someone is released from hospitalization for an acute illness or injury.
The state of Illinois covers some assisted living services under their Medicaid programs. The Supportive Living Program waiver allows eligible low-income adults to receive senior living care services in a community-based setting rather than in a nursing home. However, while the program helps cover the cost of some services (such as personal care and medication assistance), residents are still responsible for paying the cost of room and board at the facility.
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FAQ About Assisted Living in Chicago, IL
Assisted living communities are for seniors who can, for the most part, still take care of themselves, but might need help with daily tasks. Nursing homes are for people who need a higher level of daily support and medical care than what can be provided by an assisted living facility.
Some assisted living communities in Chicago allow pets; others do not. A local care advisor will be able to help you find the perfect match.