How to apply for Illinois Medicaid — Aid to the Aged, Blind, and Disabled (AABD)

Who it's for

Illinois Medicaid AABD covers residents age 65+, blind, or disabled. Income limit (2026): 100% of the Federal Poverty Level — about $1,330/month for one person, $1,803/month for a couple. DISTINCTIVE: Illinois raised its AABD asset limit to $17,500 per individual in 2023 (one of the most generous in the country — far above the $2,000 limit in most states). A Medically Needy 'spend-down' is available for those over the income limit. Apply online through ABE (Application for Benefits Eligibility, abe.illinois.gov), at a local Family Community Resource Center, or by calling 1-800-843-6154.

What you'll need

• Proof of age 65+ (or blind/disabled status)
• Proof of Illinois residency
• Proof of all household income and assets
• Social Security card
• Medicare card if enrolled

Where to apply

What to say when you call

"Hello, I'm calling to ask about Illinois Medicaid — Aid to the Aged, Blind, and Disabled (AABD). I'd like to know whether I may qualify, what documents I need, and whether I can apply online, by mail, by phone, or in person. I understand I may need proof of age 65+ (or blind/disabled status), proof of Illinois residency, proof of all household income and assets — is anything else required? What is the best next step?"

Tip: have a pen ready, ask for the person's name, and write down any case or reference number they give you.

Step by step

1. Gather your required documents: proof of age 65+ (or blind or disabled status), proof of Illinois residency, proof of all household income and assets, your Social Security card, and your Medicare card if you are enrolled in Medicare.
2. Review the income and asset limits before applying. The 2026 income limit is about $1,330 per month for one person or $1,803 per month for a couple. The asset limit is $17,500 per individual — much higher than most states. If your income is over the limit, ask about the Medically Needy spend-down option. If a spouse needs long-term care, ask the agency about spousal-impoverishment protections, which may allow the spouse who stays home to keep a protected share of assets and income.
3. Choose how to apply: online through ABE (Application for Benefits Eligibility) at the Illinois HFS website, in person at a local Family Community Resource Center, or by phone at 1-800-843-6154.
4. Complete the application. Answer all questions about your household, income, assets, and living situation. Make sure all information matches your documents.
5. Submit your documents along with the application. If you apply online or by phone, the agency will tell you how and where to send supporting documents.
6. Watch for any follow-up requests from the Illinois Department of Healthcare and Family Services. Respond promptly to avoid delays in a decision.

What to expect: After submitting, the Illinois Department of Healthcare and Family Services will review your application and may contact you if additional information is needed. Processing times vary, so ask the agency for an estimate when you apply. If approved, you will receive a notice explaining your coverage. Illinois AABD eligibility must be renewed every year — you will receive a renewal notice from HFS when it is time. Respond to that notice on time to avoid a gap in coverage. Note: the income and asset figures above are general guidelines; the agency calculates the exact amounts that apply to your household, including any spousal protections for long-term care situations. This walkthrough is not legal or financial advice.

Renewals

annual