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.

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Resident interviews at our senior living facilities

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HarborChase of Naperville

HarborChase of Naperville is a Memory Care Home in Illinois

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Overview of HarborChase of Naperville

Located in Naperville, Illinois, HarborChase of Naperville offers residential assisted living in a vibrant and serene environment. The community provides a worry-free experience, allowing seniors to enjoy their retirement years in tranquility. From senior living to memory care private homes and assisted living for dementia patients, each aspect is meticulously designed to enhance the lives of seniors.
Services include housekeeping, chef-prepared meals, and transportation, ensuring residents’ comfort within secure apartments. HarborChase of Naperville also offers a rich array of experiences, including group excursions and outings, while compassionate care partners are available 24/7. The community embodies posh elegance, creating a comfortable and delightful atmosphere for residents to savor their golden years within the realm of residential assisted living.

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What families are saying

Overall quality of life and resident wellbeing

[Staff and care quality are generally praised, with staff described as welcoming, attentive, and compassionate, contributing positively to residents' adjustment and well-being.]

Quality of life Care & staff

Activities, programs, and daily engagement

[The facility offers a variety of activities and outings, which are well-communicated and effectively engage residents, enhancing their socialization and overall experience.]

Activities

Home Information HarborChase of Naperville

Walk Score: 23 / 100

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

Guides for Better Senior Living

From costs to care, explore the most important topics to make informed decisions about your future.

Guides for Better Senior Living

From costs to care, explore the most important topics to make informed decisions about your future.

Care Cost Calculator: See Prices in Your Area

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Comparison Chart

Compare Assisted Living around Sterling

HarborChase of Naperville

Atria Park of Glen Ellyn

Glen Ellyn

Yes

Morningside of Sterling

Sterling

Studio / 1 Bed

Yes

FVE MANAGERS, INC

HarborChase of Naperville

Type of care: AL

Pets Allowed: No

Rate Range: -

Atria Park of Glen Ellyn

Type of care: AL

Community: Glen Ellyn

Pets Allowed: Yes

Rate Range: -

Morningside of Sterling

Type of care: AL MC RC

Community: Sterling

Bed Options: Studio / 1 Bed

Bed Count: 87

Pets Allowed: Yes

Operator: FVE MANAGERS, INC

Rate Range: -

Claim What’s Yours: Financial Aid for Illinois Seniors

Program

State Program Name

Eligibility

Benefits

Community Care Program

Illinois CCP

Official government program page

General: Age 60+, Illinois resident, at risk of nursing home placement.
Income Limits (2025): ~$1,215/month (individual).
Asset Limits: $17,500 (individual, excludes home, car).
IL Specifics: High demand in urban areas; waitlists possible.

Services: 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)

General: Caregiver of someone 60+ (or with dementia), Illinois resident.
Income Limits: No strict limit; prioritizes low-income.
Asset Limits: Not applicable.
IL Specifics: Limited slots; urban/rural balance.

Services: 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

Official government program page

General: Age 65+ or 22-64 with disability, 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).
IL Specifics: ~200 SLP sites statewide; room/board not covered.

Services: 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

Official government program page

General: Age 65+, 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).
IL Specifics: Part of HealthChoice Illinois; consumer-directed options available.

Services: 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

General: Age 65+ or disabled, 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).
IL Specifics: Three tiers; no waitlist.

Services: Covers Part B premiums ($174.70/month), deductibles ($240/year), copays (~20%).

Senior Community Service Employment Program (SCSEP)

Illinois SCSEP

Official government program page

General: Age 55+, unemployed, low-income, Illinois resident.
Income Limits (2025): ~$1,983/month (125% FPL).
Asset Limits: Not specified; income-focused.
IL Specifics: Priority for veterans, rural residents.

Services: Paid training (~20 hours/week at ~$7.25/hour), job placement.

Optional State Supplementation (OSS)

Illinois Optional State Supplementation

General: Age 65+ or disabled, 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).
IL Specifics: ~$50-$500/month based on facility type.

Services: 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

General: Age 65+ or disabled veteran/spouse, 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).
IL Specifics: High veteran demand in urban/rural areas.

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

Claim What’s Yours Financial Aid for Illinois Seniors

Illinois CCP

Community Care Program

Requirements:

General:
Age 60+, Illinois resident, at risk of nursing home placement.
Income Limits (2025):
~$1,215/month (individual).
Asset Limits:
$17,500 (individual, excludes home, car).
IL Specifics:
High demand in urban areas; waitlists possible.

Benefits without Contact:

Services: In-home care (3-5 hours/day), adult day services ($65/day), emergency home response systems ($30/month).

Official Program Page

IL Respite (via NFCSP)

Illinois Respite Program

Requirements:

General:
Caregiver of someone 60+ (or with dementia), Illinois resident.
Income Limits:
No strict limit; prioritizes low-income.
Asset Limits:
Not applicable.
IL Specifics:
Limited slots; urban/rural balance.

Benefits without Contact:

Services: In-home respite (4-6 hours/day), adult day care (~$65/day), short-term facility care (up to 5 days).

Illinois Medicaid Supportive Living Program

Supportive Living Program (SLP)

Requirements:

General:
Age 65+ or 22-64 with disability, 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).
IL Specifics:
~200 SLP sites statewide; room/board not covered.

Benefits without Contact:

Services: Personal care (5-7 hours/day, e.g., bathing, mobility), meals, housekeeping, medication management, respite (~240 hours/year).

Official Program Page

Illinois Medicaid Elderly Waiver

Persons Who Are Elderly Waiver

Requirements:

General:
Age 65+, 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).
IL Specifics:
Part of HealthChoice Illinois; consumer-directed options available.

Benefits without Contact:

Services: 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.).

Official Program Page

Illinois Medicare Savings Program

Medicare Savings Program (MSP)

Requirements:

General:
Age 65+ or disabled, 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).
IL Specifics:
Three tiers; no waitlist.

Benefits without Contact:

Services: Covers Part B premiums ($174.70/month), deductibles ($240/year), copays (~20%).

Illinois SCSEP

Senior Community Service Employment Program (SCSEP)

Requirements:

General:
Age 55+, unemployed, low-income, Illinois resident.
Income Limits (2025):
~$1,983/month (125% FPL).
Asset Limits:
Not specified; income-focused.
IL Specifics:
Priority for veterans, rural residents.

Benefits without Contact:

Services: Paid training (~20 hours/week at ~$7.25/hour), job placement.

Official Program Page

Illinois Optional State Supplementation

Optional State Supplementation (OSS)

Requirements:

General:
Age 65+ or disabled, 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).
IL Specifics:
~$50-$500/month based on facility type.

Benefits without Contact:

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

Illinois VA Aid and Attendance/Housebound

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

Requirements:

General:
Age 65+ or disabled veteran/spouse, 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).
IL Specifics:
High veteran demand in urban/rural areas.