The Pearl at The Tillers
Nursing Home, Memory Care & Respite Care · Oswego, IL
CMS overall rating Info CMS (the Centers for Medicare & Medicaid Services) is the federal agency that rates nursing home quality. Its Overall Rating runs from 1 to 5 stars, combining health inspections, staffing, and quality measures, with inspections weighted most heavily.

The Pearl at The Tillers

Nursing Home, Memory Care & Respite Care · Oswego, IL
CMS overall rating Info CMS (the Centers for Medicare & Medicaid Services) is the federal agency that rates nursing home quality. Its Overall Rating runs from 1 to 5 stars, combining health inspections, staffing, and quality measures, with inspections weighted most heavily.
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The Pearl at The Tillers accepts Medicare, Medicaid, and private pay.

Overview of The Pearl at the Tillers

The Pearl at the Tillers is a nursing home in Oswego, IL, that offers long-term care, post-hospital care, respite care, and rehabilitation. Fostering comfort and healing, the community has a nurturing and welcoming environment. A maintenance-free lifestyle is also guaranteed, with 24-hour care, nutritious meals, and comprehensive therapies. The community also strives to get to know residents’ unique needs and habits to provide the best possible care for their recovery.

Light exercises and fun gatherings encourage residents to make friends and maintain their holistic wellness. Cozy lounge and naturally lit therapy room also promote interactions and relaxation. Set along the road, near restaurants and shops in Oswego, the community guarantees accessibility and convenience. This nursing home has high standards of care and upscale amenities, making it one of the best choices for senior living in Illinois.

Quality ratings

Measured by Centers for Medicare & Medicaid Services (CMS)

Overall rating Info The Overall CMS Rating combines results from health inspections, staffing levels and quality measures. Health inspections carry the most weight. Staffing and quality scores can increase or decrease the final rating based on performance compared to state and national standards.
▲ 98.4% Above IL avg. ▲ 98.4% Above IL avg.IL average: 2.5Click the badge to see the full State ranking.Click here to see the full State ranking.
Health Inspection Info Based on the results of the facility's three most recent standard inspections and any complaint investigations. CMS reviews the number, scope, and severity of deficiencies, with more recent findings weighted more heavily.
▲ 44.1% Above IL avg. ▲ 44.1% Above IL avg.IL average: 2.8Click the badge to see the full State ranking.Click here to see the full State ranking.
Staffing Info Measures average nursing staff hours per resident per day, including Registered Nurses (RNs) and total nursing staff. Ratings are adjusted based on the level of care residents require and are compared to state and national benchmarks.
▼ 6.4% Below IL avg. ▼ 6.4% Below IL avg.IL average: 2.1Click the badge to see the full State ranking.Click here to see the full State ranking.
Quality Measures Info Based on clinical and physical health indicators reported to CMS, such as hospital readmissions, falls, pressure ulcers, and improvements in mobility. These measures reflect how well residents' health needs are being managed.
▲ 77.6% Above IL avg. ▲ 77.6% Above IL avg.IL average: 2.8Click the badge to see the full State ranking.Click here to see the full State ranking.

Staffing hours breakdown

Info Daily nursing hours per resident by staff type, reported to CMS. Higher is generally better — compare this facility to state and national averages to see where staffing stands.

Hours per resident per day — compared to Illinois state averages

Total nursing care / resident Info This home is ranked 83rd out of 172 homes in Illinois for nurse hours. Total adjusted nursing hours per resident per day, combining RN, LPN, and aide time. CMS adjusts this for case-mix so facilities can be fairly compared.
2h 53m per day
Rank #83 / 172Nurse hours — State benchmarkedThis home is ranked 83rd out of 172 homes in Illinois. Shows adjusted nurse hours per resident per day benchmarked to the Illinois average, with a ranking across 172 Illinois facilities. More hours mean more direct care. The national average is about 3.5 hrs; below 3.0 is a red flag.Rankings are based only on facilities in Illinois that report data for that category. Facilities without available data are excluded from the ranking.Click the rank badge to see the full State ranking.Click here to see the full State ranking.
This facility Illinois avg (3h 6m per day)
vs Illinois avg
-7%

3 of 6 metrics below state avg

Standout metric Registered Nurse (RN) is +52% above state avg
Staff typeHours / Day / Residentvs state avg
Registered Nurse (RN) Info RNs hold the highest nursing license and can assess residents, interpret test results, and direct care plans. More RN hours per day often signals stronger clinical oversight and faster response to health changes. 1h 6m per day ▲ 52% State avg: 43m per day · National avg: 41m per day
LPN / LVN Info Licensed Practical Nurses (LPNs) or Licensed Vocational Nurses (LVNs) deliver routine hands-on care — medication administration, wound dressing, and monitoring vital signs. They work under RN supervision and make up a large share of daily bedside care. 22m per day ▼ 44% State avg: 39m per day · National avg: 52m per day
Nurse Aide Info Certified Nurse Aides (CNAs) provide the most direct day-to-day assistance: bathing, dressing, feeding, and mobility. Nurse aide hours are typically the largest staffing category and directly affect residents' quality of life. 1h 57m per day ▼ 8% State avg: 2h 7m per day · National avg: 2h 20m per day
Weekend Total Nursing Info Combined nursing hours (RN + LPN + Nurse Aide) per resident per day on weekends. Staffing often drops on weekends — this figure reveals whether the facility maintains adequate coverage outside of weekday hours. 2h 53m per day ▼ 7% State avg: 3h 6m per day · National avg: 3h 27m per day
Physical Therapist Info Hours per resident per day provided by licensed Physical Therapists (PTs) or PT Assistants. PT services help residents recover mobility after injury or illness and are especially important for post-acute (short-stay) rehabilitation. 3m per day ▲ 11% State avg: 3m per day · National avg: 4m per day
Weekend RN Info Registered nurse hours specifically on weekends. Facilities sometimes reduce RN presence on Saturdays and Sundays — a low weekend RN figure compared to weekday hours can indicate reduced clinical oversight when most administrative staff are absent. 49m per day ▲ 46% State avg: 33m per day · National avg: 29m per day

Capacity and availability

This home usually has availability

Lower occupancy than the Illinois average: 69.3%
Occupancy rate
66.4% Rank #133 / 204Occupancy rate — State benchmarkedThis home is ranked 133rd out of 204 homes in Illinois. Shows this facility's occupancy rate versus the Illinois average, with its Statewide rank out of 204. Higher occupancy signals strong local demand and financial stability.Rankings are based only on facilities in Illinois that report data for that category. Facilities without available data are excluded from the ranking.Click the rank badge to see the full State ranking.Click here to see the full State ranking.
Avg. Length of Stay
138 days
Bed community size
105-bed community Rank #116 / 426Bed count — State benchmarkedThis home is ranked 116th out of 426 homes in Illinois. Shows this facility's certified or reported bed count compared to other Illinois facilities. Larger communities may offer more amenities, programs, and on-site services for residents and families.Rankings are based only on facilities in Illinois that report data for that category. Facilities without available data are excluded from the ranking.Click the rank badge to see the full State ranking.Click here to see the full State ranking.
A larger shared setting that may offer more common spaces and organized community services.
Walk Score
Walk Score: 61 / 100 Rank #223 / 648Walk Score — State benchmarkedThis home is ranked 223rd out of 648 homes in Illinois. Shows how walkable this facility's neighborhood is compared to the average Walk Score across Illinois facilities. Higher scores benefit residents, families, and staff.Rankings are based only on facilities in Illinois that report data for that category. Facilities without available data are excluded from the ranking.Click the rank badge to see the full State ranking.Click here to see the full State ranking.
Moderately walkable. Some errands can be accomplished on foot, with a mix of nearby amenities.

Contact The Pearl at The Tillers

Staffing Data

Reporting period: October 1 – December 31, 2025 (Q4 2025). Source: CMS Payroll-Based Journal report.

Total staff 145
Employees 107
Contractors 38
Staff to resident ratio 2.46 : 1
37% more staff per resident than Illinois average
Illinois average ratio: 1.80 : 1 Illinois average ratio: 1.80 : 1See full Illinois ranking
Avg staff/day 40
Average shift 6.9 hours
9% worse than Illinois average
Illinois average: 7.6 hours Illinois average shift: 7.6 hoursSee full Illinois ranking
Total staff hours (quarter) 25,528

Nursing staff breakdown

Q4 2025 · Oct 1 – Dec 31 More info This data comes from the CMS Payroll-Based Journal report covering October 1 – December 31, 2025.
Registered Nurse

Manages medical care and health needs.

RN Staff Info All 24 RN Staff are full-time employees. No contractors work on this role. 24
Average shift length Info Average shift length. Calculated as total hours divided by days worked and average staff per day. 6.8 hours
Licensed Practical Nurse

Assists with medical care and medications.

LPN Staff Info All 9 LPN Staff are full-time employees. No contractors work on this role. 9
Average shift length Info Average shift length. Calculated as total hours divided by days worked and average staff per day. 7.5 hours
Certified Nursing Assistant

Helps with daily care and mobility.

CNA Staff Info All 63 CNA Staff are full-time employees. No contractors work on this role. 63
Average shift length Info Average shift length. Calculated as total hours divided by days worked and average staff per day. 6.9 hours

Contractor staffing

Q4 2025 · Oct 1 – Dec 31 More info This data comes from the CMS Payroll-Based Journal report covering October 1 – December 31, 2025.

Total hours from contractors

11.1%

2,828 contractor hours this quarter

Respiratory Therapy Technician: 11 Physical Therapy Assistant: 9 Speech Language Pathologist: 8 Qualified Social Worker: 5 Physical Therapy Aide: 4 Medical Director: 1

Staff by category

Q4 2025 · Oct 1 – Dec 31 More info This data comes from the CMS Payroll-Based Journal report covering October 1 – December 31, 2025.
Certified Nursing Assistant6306311,74192100%6.9
Registered Nurse240245,25092100%6.8
Licensed Practical Nurse9092,16692100%7.5
Speech Language Pathologist0889668390%7.1
Clinical Nurse Specialist2028856267%7.8
Physical Therapy Assistant0998588693%6.6
Other Dietary Services Staff3036768997%6
Mental Health Service Worker2025376368%7.3
Administrator1014506065%7.5
Nurse Practitioner1014355863%7.5
Dietitian1014205661%7.5
Qualified Social Worker0553837379%5.1
Respiratory Therapy Technician011113406975%4.2
Physical Therapy Aide0442773942%5.4
Qualified Activities Professional1011431921%7.5
Medical Director011478%0.6
63 Certified Nursing Assistant
% of Days 100%
24 Registered Nurse
% of Days 100%
9 Licensed Practical Nurse
% of Days 100%
8 Speech Language Pathologist
% of Days 90%
2 Clinical Nurse Specialist
% of Days 67%
9 Physical Therapy Assistant
% of Days 93%
3 Other Dietary Services Staff
% of Days 97%
2 Mental Health Service Worker
% of Days 68%
1 Administrator
% of Days 65%
1 Nurse Practitioner
% of Days 63%
1 Dietitian
% of Days 61%
5 Qualified Social Worker
% of Days 79%
11 Respiratory Therapy Technician
% of Days 75%
4 Physical Therapy Aide
% of Days 42%
1 Qualified Activities Professional
% of Days 21%
1 Medical Director
% of Days 8%

Penalties and fines

Federal penalties imposed by CMS for regulatory violations, including civil money penalties (fines) and denials of payment for new Medicare/Medicaid admissions.

Source: CMS Penalties Database

No penalties in the past 3 years

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

Quality of care over time

These measures show how residents usually do over time at this home, based on health outcomes and preventive care.

High-risk clinical events score Info A composite score based on pressure ulcers, falls with injury, weight loss, walking ability decline, and activities of daily living decline. 4.8
50% better than Illinois average

Illinois average: 9.7

Functional decline score Info A composite score based on activities of daily living decline, walking ability decline, and incontinence. 14.9
20% better than Illinois average

Illinois average: 18.6

Long-stay resident measures
Need for Help with Daily Activities Increased Info Percent of long-stay residents whose need for help with daily activities has increased 6.2%
60% better than Illinois average

Illinois average: 15.5%

Walking Ability Worsened Info Percent of long-stay residents whose ability to move independently worsened 6.7%
64% better than Illinois average

Illinois average: 18.4%

Low Risk Residents with Bowel/Bladder Incontinence Info Percent of low risk long-stay residents who lose control of their bowels or bladder 31.8%
47% worse than Illinois average

Illinois average: 21.6%

Falls with Major Injury Info Percent of long-stay residents experiencing one or more falls with major injury 0.0%
100% better than Illinois average

Illinois average: 3.4%

High Risk Residents with Pressure Ulcers Info Percent of long-stay high risk residents with pressure ulcers 7.3%
38% worse than Illinois average

Illinois average: 5.3%

Urinary Tract Infection Info Percent of long-stay residents with a urinary tract infection 0.0%
100% better than Illinois average

Illinois average: 1.8%

Lost Too Much Weight Info Percent of long-stay residents who lose too much weight 3.9%
40% better than Illinois average

Illinois average: 6.5%

Depressive Symptoms Info Percent of long-stay residents who have depressive symptoms 74.3%
55% worse than Illinois average

Illinois average: 48.1%

Antipsychotic Use Info Percent of long-stay residents who received an antipsychotic medication 6.0%
71% better than Illinois average

Illinois average: 20.2%

Pneumococcal Vaccine Info Percent of long-stay residents assessed and appropriately given the pneumococcal vaccine 100.0%
12% better than Illinois average

Illinois average: 89.2%

Influenza Vaccine Info Percent of long-stay residents assessed and appropriately given the seasonal influenza vaccine 95.4%
In line with Illinois average

Illinois average: 91.6%

Short-stay resident measures
Pneumococcal Vaccine Info Percent of short-stay residents assessed and appropriately given the pneumococcal vaccine 89.3%
31% better than Illinois average

Illinois average: 68.3%

Antipsychotic medication increase Info Percent of short-stay residents who newly received an antipsychotic medication 2.1%
9% better than Illinois average

Illinois average: 2.3%

Influenza Vaccine Info Percent of short-stay residents assessed and appropriately given the seasonal influenza vaccine 91.4%
45% better than Illinois average

Illinois average: 63.0%

Breakdown by payment type

Medicare

27% of new residents, usually for short-term rehab.

Typical stay 3 - 4 months

Private pay

20% of new residents, often for short stays.

Typical stay 8 - 9 months

Medicaid

54% of new residents, often for long-term daily care.

Typical stay 3 - 4 months

Facility Characteristics

Source: CMS Long-Term Care Facility Characteristics (Data as of Jan 2026)

Total residents 59
Medicare
11
18.6% of residents
Medicaid
48
81.4% of residents
Programs & Services
Residents Group

Residents meet regularly to discuss policies, care quality, and activities

Active Resident Council

Organized group of residents that meets regularly to discuss facility policies, quality of life, and activities.

Finances and operations

Based on CMS SNF Cost Report for fiscal year ending in 12/2023.

For-profit
Operated by a single business entity.
Net patient revenue Info Net patient revenue — what the home actually collects for resident care, after contractual allowances, bad debt and discounts are subtracted from its gross charges (CMS cost report, Worksheet G-3). It covers resident care only; money the home earns from other sources is shown separately as "Other income."
$6.0M
Net patient income Info Net patient income: net patient revenue minus the home's total operating expenses. A positive figure means it earns more from resident care than it spends to deliver it; a negative figure means the opposite. It excludes non-operating "other income."
$320.4K
For-profit Operated by a single business entity.
Net patient revenue Info Net patient revenue — what the home actually collects for resident care, after contractual allowances, bad debt and discounts are subtracted from its gross charges (CMS cost report, Worksheet G-3). It covers resident care only; money the home earns from other sources is shown separately as "Other income."
$6.0M Rank #160 / 171Revenue — State benchmarkedThis home is ranked 160th out of 171 homes in Illinois. Shows this facility's annual revenue compared to the Illinois average. Higher revenue generally means more resources for staffing and capital — read alongside Payroll %.Rankings are based only on facilities in Illinois that report data for that category. Facilities without available data are excluded from the ranking.Click the rank badge to see the full State ranking.Click here to see the full State ranking.
Net patient income Info Net patient income: net patient revenue minus the home's total operating expenses. A positive figure means it earns more from resident care than it spends to deliver it; a negative figure means the opposite. It excludes non-operating "other income."
$320.4K
Other income Info Money the home earns outside of resident care — such as investments, grants, rentals and other non-operating sources (CMS cost report, Worksheet G-3). It is tracked separately from net patient revenue: it is not part of that figure, and it is not included in net patient income.
$7.6K
Payroll costs Info Staff salaries plus wage-related costs — benefits such as payroll taxes, health insurance and retirement — from the home's own accounting records (CMS cost report, Worksheet A). Contract or agency labor is counted separately, under other operating costs. Rank #163 / 171Payroll — State benchmarkedThis home is ranked 163rd out of 171 homes in Illinois. Shows total annual staff payroll benchmarked to the Illinois average. Higher payroll investment relative to peers often signals better staffing and less reliance on cheaper contract labor.Rankings are based only on facilities in Illinois that report data for that category. Facilities without available data are excluded from the ranking.Click the rank badge to see the full State ranking.Click here to see the full State ranking.
$2.6M 42.7% of net patient revenue Info Payroll as a share of revenue: staff salaries and wage-related benefits divided by net patient revenue. A higher figure means more of each revenue dollar goes to staff pay. Rank #69 / 171Payroll % — State benchmarkedThis home is ranked 69th out of 171 homes in Illinois. Shows payroll as a percentage of revenue versus the Illinois average. Well-run Illinois facilities typically land around 54–67% — the top third Statewide. Below 25% may signal understaffing or heavy agency use — read with Staffing ratings.Rankings are based only on facilities in Illinois that report data for that category. Facilities without available data are excluded from the ranking.Click the rank badge to see the full State ranking.Click here to see the full State ranking.
Other operating costs Info Everything it costs to run the home apart from payroll — food, utilities, supplies, maintenance, contract labor and administration. Calculated as total operating expense minus payroll (staff salaries and wage-related benefits).
$3.1M
Total costs Info The home's total operating expense for the year — all the costs of running it, salaries included (CMS cost report, Worksheet G-3).
$5.7M

What does this home offer?

Building type icon
Building type icon

Building Type: Single-story

On-site medical care and health services icon
On-site medical care and health services icon

On-site Medical Care and Health Services

Rehabilitative support icon
Rehabilitative support icon

Rehabilitative Support

Who this home usually serves

TYPE OF STAY

Mostly long-term care residents

Most residents stay for extended periods and receive ongoing daily care.

Most new residents arrive under Medicaid (54% of admissions), and a typical Medicaid stay runs around 3 - 4 months.

Admissions
112 total

Coverage residents most often arrive under.

Medicare 27%
Private pay 20%
Medicaid 54%
Discharges
108 total

Coverage residents most often leave under.

Medicare 26%
Private pay 19%
Medicaid 56%

Places of interest near The Pearl at The Tillers

Address 0.7 miles from city center Info Estimated distance in miles from Oswego's city center to The Pearl at The Tillers's address, calculated via Google Maps.

Calculate Travel Distance to The Pearl at The Tillers

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Address

Financial Assistance for
Nursing Home in Illinois

The Pearl at The Tillers is located in Oswego, 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
IL

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.
IL

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).
IL

~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).
IL

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).
IL

Three tiers; no waitlist.

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

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).
IL

~$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
IL

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)

Frequently Asked Questions about The Pearl at The Tillers

Is The Pearl at The Tillers in a walkable area?

The Pearl at The Tillers has a walk score of 61. Moderately walkable. Some errands can be accomplished on foot, with a mix of nearby amenities.

What is the occupancy rate at The Pearl at The Tillers?

The Pearl at The Tillers's occupancy is 66.4%.

What is the best email address for The Pearl at The Tillers?

The team at The Pearl at The Tillers can be reached at info@pearltillers.com.

Does The Pearl at The Tillers operate as a for-profit or non-profit?

The Pearl at The Tillers is registered as a for-profit.

Are there photos of The Pearl at The Tillers?

Yes — there are 7 photos of The Pearl at The Tillers in the photo gallery on this page.

What is the address of The Pearl at The Tillers?

The Pearl at The Tillers is located at 4390 Il-71, Oswego, IL 60543.

What is the phone number of The Pearl at The Tillers?

(630) 554-1001 will put you in contact with the team at The Pearl at The Tillers.

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