Illinois Private-Pay Runway Calculator: what may be kept, 2026
2026 law · reviewed September 4, 2026
| Figure | Amount | Who |
|---|---|---|
| Countable assets the person in care may keep | $17,500 | The applicant |
| Community spouse resource standard | $143,172 | The spouse at home |
| Home equity limit | $752,000 | The home, exempt up to this |
| Community spouse maintenance allowance | $4,067 a month | The spouse at home, from the couple's income |
| Personal needs allowance | $60 a month | The person in care |
| Look-back for gifts | 60 months | Transfers reviewed at application |
Illinois Medicaid long-term care figures for 2026 (Illinois Department of Healthcare and Family Services; Illinois Department on Aging (Senior Health Insurance Program)).
Educational only, not investment, tax, or legal advice. Results are hypothetical estimates that vary with each use and over time and are not guaranteed accurate or complete. Using this tool creates no client relationship with Considerate Capital, and the site that linked here is not affiliated with it. By using it you agree to the tool terms.