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. Check the basic rules for AABD. This program is for Illinois residents who are age 65 or older, blind, or disabled. The income limit is about $1,330 a month for one person and $1,803 for a couple. Illinois also has a higher asset limit of $17,500 for one person.
2. Gather your documents. Have proof of age 65 or older, or proof of 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.
3. Apply in the way that works best for you. Submit an application online through ABE, or apply by phone at 1-800-843-6154.
4. Ask about other eligibility options if your income is over the limit. A Medically Needy spend-down may help if you have higher income and medical bills.
5. Report long-term-care spouse information if it applies to your household. If one spouse needs long-term care and the other stays at home, ask the state Medicaid agency to review spousal protections because the protected share for the spouse at home is calculated separately.

What to expect: After you apply, the state Medicaid agency reviews your information and documents and may contact you if more proof is needed. Processing times vary, so ask the agency for an estimate. If your case is approved, coverage is set up through Illinois Medicaid AABD. Renewal is required every year. If you are married and one spouse needs long-term care, the agency will calculate any protected amount for the spouse who stays at home.

Renewals

annual