Illinois Impoverishment Guideline
2025 Illinois Allowable Amounts
What “Impoverishment Guideline” Means in Practice
According to the Illinois Department of Healthcare and Family Services (HFS), the community spouse may keep:
$3,948.00 per month in income
$135,648.00 in countable assets
The spouse entering long‑term care may keep:
$30 per month in income (or $90 if receiving VA benefits)
$17,500 in countable assets
These amounts apply whether the spouse is entering:
A nursing home, or
Receiving Community Care Program (CCP) services at home.
It determines:
How much of the couple’s income the at‑home spouse can keep
How much of the couple’s assets can be protected
How much must be spent down before Medicaid or CCP will pay
The goal is to prevent the at‑home spouse from losing their home, income, or basic financial security.
Illinois Department of Healthcare and Family Services (HFS)
2025 Spousal Impoverishment Standards https://hfs.illinois.gov/medicalproviders/notices/notice.prn241209b.html
Annual protected income for the community spouse:
$47,376 per year
Asset Allowance (one‑time amount)
$135,648 in countable assets
Summary
CategoryAmount
| Monthly income protected | $3,948 |
| Annual income protected | $47,376 |
| Assets protected (one‑time) | $135,648 |
The community spouse may keep up to:
This is not annual — it’s the total resource limit.