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The 10 Best Home Care Agencies for Seniors in Niles, IL for 2024

The suburban village of Niles sits on the northwestern border of Chicago, 15 miles from metro downtown and a 15-minute drive from O’Hare International Airport. This inclusive suburb has a population of 30,345, with an above-average number of seniors comprising over 25% of the community. The area is served by health care centers such as Advocate Lutheran Hospital in Park Ridge and NorthShore Glenbrook Hospital, a Level 2 trauma center and certified stroke center. At a monthly cost of $5,672 for home care, seniors living independently pay more than the state average but can benefit from an urban-suburban lifestyle to bolster their quality of living. Home care provides household and personal care, while home health care suits seniors with daily medical needs.

Below we’ve compiled a comprehensive directory of every home care provider in the Niles area – complete with services offered and reviews from families who’ve actually used the service. In addition to our in-depth provider listings, we’ve compiled resources to help seniors and their families to access all the tools they need to age in place safely and gracefully.

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Home Care Agencies in Niles, IL

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Paying for Home Care in Niles, IL

The Cost of Home Care in Niles, IL

According to Genworth’s 2021 Cost of Care Survey, home care agencies in Niles charge an average of $5,672 for nonmedical services. This figure is more than the state average of $5,339 and the national average of $4,957. Elsewhere in the state, the cost of in-home care is less. In Springfield, the price is $5,100; in Champaign, agencies charge $5,196 monthly. Residents of Carbondale in the far southern end of the state pay the least at $4,576. Conversely, the highest price is attributed to Danville, where in-home care costs $8,818.

Niles

$5,672

Illinois

$5,339

United States

$4,957

Springfield

$5,100

Champaign

$5,196

Cabondale

$4,576

Danville

$8,818

The Cost of Home Care vs Other Senior Care Options in Niles, IL

In Niles, the monthly cost of nonmedical home care is $5,672. Agencies offering home health care with medical services charge $5,720 per month. Seniors can save on housing costs and receive similar services by opting for an assisted living community, which averages $4,825 monthly. Older adults living at home who need only daytime supervision can save even more with adult day health care services, costing $1,842 monthly. Seniors needing 24-hour skilled nursing will pay the most for a semiprivate room in a nursing home, charging $6,996 monthly.

Home Care

$5,672

Home Health Care

$5,720

Adult Day Health Care

$1,842

Assisted Living

$4,825

Nursing Home Facility (semiprivate room)

$6,996

Note: Data for Niles was unavailable, so data for the nearest city, Chicago, was used instead.

Financial Assistance for Home Care in Niles, IL

Given the high cost of in-home care, many people use one or more forms of financial assistance to cover the expenses. Below, we explain some of the most common sources of financial help for paying for in-home care. If none of these options are available to you, you can reach out to your Area Agency on Aging or Aging and Disability Resource Center to learn about local resources.

  • Long-Term Care Insurance: Long-Term Care Insurance covers expenses related to senior care, including in-home care. Depending on the policy type, beneficiaries may receive a cash payment to use towards long-term care or reimbursement for qualifying long-term care expenses. Note that there are limitations- typically a maximum benefit of $150 per day- and exact coverage terms vary depending on the exact policy, so always check the details.
  • Medicare: Medicare does not cover in-home care because it is classified as custodial, or non-medical, care. However, some Medicare Advantage and Medicare Supplement plans, which offer expanded benefits, may cover in-home custodial care.
  • Medicaid: Medicaid coverage of in-home care varies between different states because it is not a federally mandated benefit. Currently, all states cover some in-home care either through their standard Medicaid or a waiver program. The specific coverage rules are set individually by each state.
  • Veterans’ Benefits: The Aid and Attendance benefit is a monthly cash payment that beneficiaries can use to pay for senior care, including in-home care services. To qualify for A&A, Veterans must already receive the VA pension and meet several additional requirements, including needing assistance with the activities of daily living. Contact the Department of Veterans Affairs to learn more.
  • Reverse Mortgages: Home Equity Conversion Mortgages (HECMs) are federally insured loans that are available to homeowners age 62 and over. Reverse mortgages allow you to access a portion of your home’s equity in cash, tax free. Many seniors use reverse mortgages to finance their care expenses, including in-home care. Note that although there are no monthly payments due on reverse mortgage loans, borrowers do have to repay the loan once the last surviving homeowner passes away, moves, or sells the home.

Free & Low-Cost Home Care Resources in Niles, IL

Seniors interested in cost-saving programs can find resources and referrals through city and state agencies, as well as programs focused on enabling independent living and improving quality of life. These resources are available through the local senior center, state-administered area agency on aging and the aging and disability resource center, which provide home care referrals, health counseling services, reduced fare transportation, and senior meal programs.

ResourceContactService
Niles Senior Center(847) 588-8420Niles Senior Center is open to older adults aged 55 and up. Licensed social workers counsel seniors on topics including in-home support services, benefits and health insurance. Handicapped placards and RTA reduced fare applications are available on-site. A Meals on Wheels Cafe operates on-site and provides delivery to homebound adults.
Age Options, Inc(800) 699-9043As the Area Agency on Aging, Age Options, Inc operates the Suburban Aging and Disability Resource Center. Working with other local agencies, it provides a network of local resources promoting senior independence and healthy living. Programs include educational workshops, health and wellness seminars, emergency preparedness, and senior LGBTQ resources.
Home Options Path to Empowerment(800) 699-9043The HOPE program helps eligible seniors who reside in nursing facilities in Cook County move into their own homes and apartments. Care managers then provide ongoing home care services to maintain independent living in the community.
Take Charge of Your Health(800) 699-9043Take Charge of Your Health offers in-person and online Zoom workshops helping seniors and caregivers learn to manage chronic health problems, including diabetes, heart disease, COPD, chronic pain and cancer.
Benefit Access Program(800) 252-8966Administered by the Illinois Department on Aging, this program enables senior travel within the community and Chicago area. Older adults can apply for the RTA Free Ride Permit card and discounted automobile license plate registration fees at the Niles Senior Center or by online application.
Niles-Maine District Library(847) 663-1234The Outreach staff at Niles-Maine District Library assists homebound adults by delivering library materials on a 4-week schedule. The program is available to library cardholders and can be accessed through an online application on the library website.
Veterans' Affairs(800) 698-2411The U.S. Department of Veterans Affairs offers benefit programs to help provide geriatric and extended care, including home care with home health aides and skilled nursing, in-home primary care, telehealth, respite, hospice and palliative care services. Service availability varies by location.

Determining Your Loved One’s Need for In-Home Care

Aging can be a difficult process, and loved ones may not always ask for help – often times it’s up to their family to evaluate their need for help around the house. While no two situations are exactly alike, this checklist can help you and your loved ones determine when it’s time to start the search for a home care provider.

Download
Checklist for determining the need for home care
Checklist for determining the need for home care

Guidelines for Talking About In-Home Care

If you’ve determined that your loved one needs the assistance of a care provider in their home, it may be time for a difficult conversation. Handled correctly, however, this process can bring a family together and ensure that everyone’s concerns are addressed. Use this PDF as a starting point to help the conversation stay as positive and productive as possible.

Download
Talking with Family and Others about a loved one's needs
Talking with Family and Others about a loved one's needs

Frequently Asked Questions

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The material on this site is for informational purposes only and is not a substitute for legal, financial, professional, or medical advice or diagnosis or treatment. By using our website, you agree to the Terms of Use and Privacy Policy

Caring.com

Caring.com is a leading online destination for caregivers seeking information and support as they care for aging parents, spouses, and other loved ones. We offer thousands of original articles, helpful tools, advice from more than 50 leading experts, a community of caregivers, and a comprehensive directory of caregiving services.

 

The material on this site is for informational purposes only and is not a substitute for legal, financial, professional, or medical advice or diagnosis or treatment. By using our website, you agree to the Terms of Use and Privacy Policy

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