What government services provide money for senior housing?

Several government programs offer financial assistance for senior housing in various countries, focusing on the United States for a broad overview: Medicaid: Medicaid is a state and federally funded program that can cover the costs of nursing home care for those who meet eligibility criteria, including income and asset limits. Some states also offer Medicaid waivers that help pay for home and community-based services to prevent or delay nursing home placement. Medicare: Medicare, primarily a health insurance program for people aged 65 and over, does not cover long-term housing costs. However, it can cover short-term stays in a skilled nursing facility under specific conditions following a hospital stay. Section 202 Supportive Housing for the Elderly Program: This program provides housing for low-income seniors. It offers rental assistance and access to supportive services, such as cleaning, cooking, and transportation. Low-Income Housing Tax Credit (LIHTC) Properties: While not a direct subsidy, LIHTC encourages developers to create affordable housing. Seniors with low incomes can find reduced-rent apartments through this program. State and Local Programs: Many states, counties, and cities offer their own programs to assist seniors with housing costs. These can include property tax relief programs, rental assistance programs, and programs that offer affordable senior housing options. Veterans Affairs (VA): The VA offers several programs for veterans, including the Aid and Attendance benefit, which provides monthly payments to veterans who require the aid of another person, or are housebound, to help cover the cost of care in homes, nursing homes, and assisted living facilities. Social Security: While Social Security primarily provides retirement income, for many seniors, these benefits are a crucial part of their budget, including housing costs.

How do you pick the homes you recommend?

Before recommending homes, we conduct a thorough evaluation on crucial factors that define a senior home such as the quality of care they provide, the reputation of the organization, and a comprehensive review of community testimonials as well. Every detail is assessed to assure that seniors are offered not just senior care options, but trustworthy homes where they can experience the care that they deserve.

Do you help families that need Medicaid?

Yes. Assisting families who need Medicaid is important to us as it plays a crucial role in offering financial support to seniors confronting economic challenges. We would like to keep essential healthcare services accessible to all community members, irrespective of one’s financial circumstances.

How much does this service cost?

We extend our services at no cost, ensuring that families and seniors can benefit from tailored assistance in their search for care and home options. Our ability to offer personalized guidance without charge to families and seniors is made possible through the support and funding from the communities with which we team up.

What services do you offer?

Finding and ranking the best assisted living facilities Finding and ranking the best nursing homes Finding and ranking the best memory care facilities Our concierge service helps seniors move into the perfect home for them Helping seniors use medicare, medicaid, and other government programs to pay for their homes Helping seniors avoid senior homes that have bad service or fraud Helping seniors avoid senior homes that have bad service or fraud Autobiography & Family History Writing + Research Senior-focused concierge medicine Senior-focused nutritionist Senior-focused personal training Memory care specialists Custom wheelchairs at all price points. Custom hearing aids Cosmetic skincare + dermatology Companionship: We offer in-person and virtual companionship services. Someone engaging to hang out with or talk to on video chat. Senior housing concierge. Our service finds the best senior living options based on your needs, income, and personality.

The Terrace Apartments | Photos, Reviews, Prices

Overview of The Terrace Apartments

The Terrace Apartments is an idyllic community set in the quiet neighborhood of Rockford, IL, offering independent living. The community features beautifully furnished one-bedroom floor plans, dedicated to the comfort of those 62+. Residents can keep their peace of mind with laundry spaces and dedicated services.

Fun recreational activities and enriching programs are conducted, ensuring residents have fun and make new friends. Delightful restaurants and unique shops also surround the area, providing residents with easy access to a variety of dining options and wellness opportunities. Serene walking trails, a scenic garden, cozy communal spaces, a library, and a craft room are available in a warm and friendly setting, making the community an ideal retirement option.

(888) 927-9409

Walk Score: 20 / 100

Car-dependent. Most errands require a car, with limited nearby walkable options.

About this community

Minimum Age62

Walking Trail

Abundant Landscaping

Resident Garden

Gathering Places

Library

Craft Room

Community Room

ActivitiesVarious activities organized by our Social Service Coordinator including bingo, luncheons, craft sessions, and day trips.

Specific ProgramsEducational, Health and Social Programs, Bingo, Luncheons, Craft Sessions, Day Trips

Operating HoursMonday - Friday 8 am-4 pm

Food DescriptionDining options include educational and health programs as well as a variety of social activities.

What does this home offer?

Minimum Age: 62 Years Old

Room Sizes: 550 / 552 / 573 sq. ft

Housing Options: 1 Bed

Building Type: 2-story

Social and Recreational Activities

Types of Care at The Terrace Apartments

Independent Living

Living Spaces & Floor Plans

3A Bedroom

1A Bedroom

2A Bedroom

Community Care Program

Illinois CCP

Age 60+

General Illinois resident, at risk of nursing home placement.

Income Limits (2025) ~$1,215/month individual

Asset Limits $17,500 individual, excludes home, car

High demand in urban areas; waitlists possible.

Benefits

In-home care (3-5 hours/day) Adult day services ($65/day) Emergency home response systems ($30/month)

Illinois Respite Program

IL Respite (via NFCSP)

Age Caregiver of someone 60+ (or with dementia)

General Illinois resident.

Income Limits No strict limit; prioritizes low-income.

Asset Limits Not applicable.

Limited slots; urban/rural balance.

Benefits

In-home respite (4-6 hours/day) Adult day care (~$65/day) Short-term facility care (up to 5 days)

Supportive Living Program (SLP)

Illinois Medicaid Supportive Living Program

Age 65+ or 22-64 with disability

General Illinois resident, Medicaid-eligible, needs moderate assistance (not nursing home-level).

Income Limits (2025) ~$2,829/month (300% FBR, individual); QIT allowed.

Asset Limits $2,000 (individual), $3,000 (couple) (excludes home, car).

~200 SLP sites statewide; room/board not covered.

Benefits

Personal care (5-7 hours/day, e.g., bathing, mobility) Meals Housekeeping Medication management Respite (~240 hours/year)

Persons Who Are Elderly Waiver

Illinois Medicaid Elderly Waiver

Age 65+

General Illinois resident, Medicaid-eligible, nursing home-level care need.

Income Limits (2025) ~$2,829/month 300% FBR, individual

Asset Limits $2,000 (individual), $3,000 (couple).

Part of HealthChoice Illinois; consumer-directed options available.

Benefits

Personal care (5-7 hours/day, e.g., dressing, eating) Homemaker Adult day care (~$60/day) Respite (240 hours/year) Home mods ($1,000 avg.)

Medicare Savings Program (MSP)

Illinois Medicare Savings Program

Age 65+ or disabled

General Illinois resident, Medicare Part A/B.

Income Limits (2025) ~$2,510/month (QMB), ~$3,380/month (SLMB), ~$3,598/month (QI)—individual.

Asset Limits $9,430 (individual), $14,130 (couple).

Three tiers; no waitlist.

Benefits

Covers Part B premiums ($174.70/month) Deductibles ($240/year) Copays (~20%)

Senior Community Service Employment Program (SCSEP)

Illinois SCSEP

Age 55+

General unemployed, low-income, Illinois resident.

Income Limits (2025) ~$1,983/month 125% FPL

Asset Limits Not specified; income-focused.

Priority for veterans, rural residents.

Benefits

Paid training (~20 hours/week at ~$7.25/hour) Job placement

Optional State Supplementation (OSS)

Illinois Optional State Supplementation

Age 65+ or disabled

General Illinois resident, in approved facility, SSI recipient or low-income.

Income Limits (2025) ~$1,004/month including SSI

Asset Limits $2,000 (individual), $3,000 (couple).

~$50-$500/month based on facility type.

Benefits

Cash (~$50-$500/month) for room/board in personal care homes or SLFs

VA Aid and Attendance (A&A) and Housebound Benefits

Illinois VA Aid and Attendance/Housebound

Age 65+ or disabled veteran/spouse

General Illinois resident, wartime service, need for ADL help (A&A) or homebound.

Income Limits (2025) Net income < ~$1,984/month (veteran with dependent, A&A); pension offsets income.

Asset Limits ~$155,356 net worth limit

High veteran demand in urban/rural areas.

Benefits

Cash (~$1,433-$2,642/month veteran, ~$951-$1,318 spouse) for care costs (e.g., in-home, assisted living)

3.6 miles from city center Estimated distance in miles from Rockford's city center to The Terrace Apartments's address, calculated via Google Maps.

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Penalty History

Penalties are imposed by CMS for violations of federal nursing home regulations.

No penalties in the past 3 years

No civil money penalties or payment denials were reported in the last 3 years.

Compare Senior Living around Rockford

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Greencastle of Mulford	IL Independent Living Lifestyle-focused communities for older adults offering dining, activities, and transportation with minimal personal care. Best for active, independent seniors who want community without medical support.	Rockford	115	No	27	-	-	1 Bed / 2 Bed
Greencastle of Bienterra	IL Independent Living Lifestyle-focused communities for older adults offering dining, activities, and transportation with minimal personal care. Best for active, independent seniors who want community without medical support.	Rockford	59	No	59	-	-	1 Bed
The Terrace Apartments	IL Independent Living Lifestyle-focused communities for older adults offering dining, activities, and transportation with minimal personal care. Best for active, independent seniors who want community without medical support.	Rockford	-	No	20	-	-	1 Bed
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Valkommen Plaza	IL Independent Living Lifestyle-focused communities for older adults offering dining, activities, and transportation with minimal personal care. Best for active, independent seniors who want community without medical support.	Rockford	-	No	84	-	-	1 Bed / 2 Bed

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The Terrace Apartments

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