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Medicaid Planning · Illinois

Illinois Medicaid look-back rules

Medicaid look-back rules rules for Illinois.

Published: September 4, 2026. Last checked: September 5, 2026.

Look-back period

60 months

Source: 89 Illinois Administrative Code 120.388 [state-legislature] — Section 120.388 amended effective January 1, 2012

Transfer-penalty divisor

The community's average monthly private-pay cost for nursing-facility services at the time the penalty is calculated

Source: 89 Illinois Administrative Code 120.388 [state-legislature] — Section 120.388 amended effective January 1, 2012

How the state administers the rule

Illinois divides the uncompensated value by the applicable community average monthly private-pay nursing-facility cost and applies the transfer penalty under the aggregation, start-date, and exception rules in 89 Ill. Adm. Code 120.388.

Source: 89 Illinois Administrative Code 120.388 [state-legislature] — Section 120.388 amended effective January 1, 2012

Sources

Methodology & sources

Checked at least annually and whenever the state publishes a new transfer-penalty divisor or administration rule.

General information, not legal advice.