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.

Cedarhurst of Waterloo

Assisted Living in Illinois

Overview of Cedarhurst of Waterloo

Cedarhurst of Waterloo is a senior living community in Waterloo, Illinois, offering assisted living and memory care in a welcoming, residential-style environment. The community provides personalized care, engaging life enrichment programs, and chef-prepared dining designed to support independence, comfort, and overall well-being. Residents can enjoy a variety of activities and amenities in a pet-friendly environment.

(618) 939-4030

56-bed community

A moderately sized community that may balance personal attention with shared amenities and social activities.

About this community

Occupancy

Occupancy rate

136%

Higher than the Illinois average: 69.3%

Occupied beds

76 / 56

Average residents 93 per day

Facility TypeAssisted Living/shared Housing Establishment

StatusActive

IssuanceJune 14, 2025

CountyMonroe

Owner NameCedarhurst of Waterloo Operator, LLC

Wheelchair Accessible

Rehabilitation Services

Respite Care

24-Hour Staffing

Email [email protected]

Pets Allowed

HousekeepingYes

Linen ServiceYes

Utilities IncludedYes

24/7 On-Site Staff

Full-Service All-Day Dining

Daily Social Events

Weekly Housekeeping

Scheduled Transportation

Personalized Wellness Plans

On-Site Therapy

Landscaped Courtyards

Pet-Friendly

Salon Services

Movie Theater

ActivitiesDaily events and activities tailored to resident interests.

Specific ProgramsDaily Programs & Events, Dining at Cedarhurst

Operating Hours24/7

Assisted Living$5,600 per month

Memory Care$7,900 per month

Food DescriptionCedarhurst of Waterloo offers full-service, all-day dining with diverse meal options tailored to individual tastes and dietary requirements.

Meals IncludedYes

Special DietsGluten-free, diabetic-friendly, low-sodium

Get floorplan photos & videos Schedule a home tour Get detailed pricing Check availability Get brochure

Show Inspection Reports

Latest inspection

Date May 5, 2025

Annual Inspection

4 deficiencies

Deficiencies indicate regulatory issues. A higher number implies the facility had several areas requiring improvement.

Illinois average: 7 deficiencies

Inspection Report Summary for Cedarhurst of Waterloo

The most recent inspection on May 5, 2025, identified deficiencies related to the facility’s failure to conduct required bi-monthly disaster/fire drills, including night drills, and incomplete physician assessment certifications for residents with significant changes in condition. Earlier inspections and complaint investigations found similar issues, including a substantiated complaint for failure to report a resident’s fall resulting in a fractured wrist to the Illinois Department of Public Health. The main themes across reports involved disaster preparedness and regulatory reporting requirements. No fines, immediate jeopardy findings, or license actions were listed in the available reports. The pattern of deficiencies suggests ongoing challenges with documentation and compliance, with no clear indication of improvement.

Financial Assistance for
Assisted Living in Illinois

Cedarhurst of Waterloo is located in Waterloo, Illinois.
Here are the financial assistance programs available to residents in Illinois.

Get Financial aid guidance

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)

0.0 miles from city center Estimated distance in miles from Waterloo's city center to Cedarhurst of Waterloo'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 Assisted Living around Illinois

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Cedarhurst of Waterloo	AL Assisted Living A licensed, long-term care setting for seniors or individuals with disabilities who need help with daily activities — like bathing, dressing, and medication management — but not 24-hour skilled nursing. Offers housing, meals, and around-the-clock support while aiming to maximize resident independence.	Waterloo	56	No	-	-	-	2	2	0	-
Hickory Estates of Taylorville	AL Assisted Living A licensed, long-term care setting for seniors or individuals with disabilities who need help with daily activities — like bathing, dressing, and medication management — but not 24-hour skilled nursing. Offers housing, meals, and around-the-clock support while aiming to maximize resident independence.	Taylorville	46	No	21	1	Christian County Integrated Community Services	4	0	1	-
Tremont Ridge Assisted Living	AL Assisted Living A licensed, long-term care setting for seniors or individuals with disabilities who need help with daily activities — like bathing, dressing, and medication management — but not 24-hour skilled nursing. Offers housing, meals, and around-the-clock support while aiming to maximize resident independence.	Hillsboro (Hillsboro Heights)	38	No	48	1	Hillsboro Area Hospital, Inc	7	2	1	-
Reif Residences	AL Assisted Living A licensed, long-term care setting for seniors or individuals with disabilities who need help with daily activities — like bathing, dressing, and medication management — but not 24-hour skilled nursing. Offers housing, meals, and around-the-clock support while aiming to maximize resident independence.	Frankfort (Frankfort Square)	3	No	43	-	Reif Holdings Corp	1	0	0	-
Hickory Estates of Pana	AL Assisted Living A licensed, long-term care setting for seniors or individuals with disabilities who need help with daily activities — like bathing, dressing, and medication management — but not 24-hour skilled nursing. Offers housing, meals, and around-the-clock support while aiming to maximize resident independence.	Pana	-	No	48	-	-	0	0	0	-

Cedarhurst of Waterloo

Type of care: AL

Community:Location: Waterloo

Bed Count: 56

Pets Allowed: No

Hickory Estates of Taylorville

Type of care: AL

Community:Location: Taylorville

Bed Count: 46

Pets Allowed: No

Tremont Ridge Assisted Living

Type of care: AL

Community:Location: Hillsboro (Hillsboro Heights)

Bed Count: 38

Pets Allowed: No

Reif Residences

Type of care: AL

Community:Location: Frankfort (Frankfort Square)

Bed Count: 3

Pets Allowed: No

Hickory Estates of Pana

Type of care: AL

Community:Location: Pana

Pets Allowed: No

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Cedarhurst of Waterloo

Assisted Living in Illinois

Assisted Living in Illinois