Cash-pay practice in Chicago, Illinois.
For a cash-pay practice in Chicago, licensing and records follow Illinois law, and business licenses, hiring and pay follow the City of Chicago's own rules: here is what applies, with sources. Cohessra serves the United States.

Who licenses you in Illinois.
The Illinois Department of Financial and Professional Regulation (IDFPR) licenses these professions. Each card gives the license name and the Act IDFPR lists for it.
Counselors
Licensed Professional Counselor (LPC) and Licensed Clinical Professional Counselor (LCPC)
ActProfessional Counselor and Clinical Professional Counselor Licensing Act, 225 ILCS 107
Social workers
Licensed Social Worker (LSW) and Licensed Clinical Social Worker (LCSW)
ActClinical Social Work and Social Work Practice Act, 225 ILCS 20
Source 3
Psychologists
Licensed Clinical Psychologist
ActClinical Psychologist Licensing Act, 225 ILCS 15
Marriage and family therapists
Licensed Marriage & Family Therapist (LMFT)
ActMarriage and Family Therapy Licensing Act, 225 ILCS 55
Source 5
Dietitians
Licensed Dietitian Nutritionist
ActDietitian Nutritionist Practice Act, 225 ILCS 30
Source 6
Which counselor license can run a practice alone?
IDFPR's instruction sheet says a Licensed Professional Counselor “may NOT practice independently and must operate at all times under the order, control, and professional responsibility of” a Licensed Clinical Professional Counselor, a Licensed Clinical Social Worker, a Licensed Clinical Psychologist, or a psychiatrist. The LCPC license “is the independent practice level license.”
Source 2
To verify licensure as a primary source, IDFPR points to its License Look Up, which checks whether an individual or entity is licensed. 7
Illinois has its own mental health records law.
The Mental Health and Developmental Disabilities Confidentiality Act (740 ILCS 110) is the Illinois statute on records and communications from mental health and developmental disabilities services. Here is what the state's own documents quote from it.
Records and communications are confidential
Section 3(a): “All records and communications shall be confidential and shall not be disclosed except as provided in this Act.”
Source 8
What counts as a communication
Section 2 defines a communication as “any communication made by a recipient or other person to a therapist or to or in the presence of other persons during or in connection with providing mental health or developmental disability services to a recipient. Communication includes information which indicates that a person is a recipient.”
Source 8
Consent is written and specific
Section 5(a): records and communications “may be disclosed to someone other than those persons listed in Section 4 of this Act only with the written consent of those persons who are entitled to inspect and copy a recipient's record pursuant to Section 4 of this Act.” Section 5(b): every consent form shall be in writing and shall specify:
- the person or agency to whom disclosure is to be made;
- the purpose for which disclosure is to be made;
- the nature of the information to be disclosed;
- the right to inspect and copy the information to be disclosed;
- the consequences of a refusal to consent, if any;
- the calendar date on which the consent expires, provided that if no calendar date is stated, information may be released only on the day the consent form is received by the therapist; and
- the right to revoke the consent at any time.
Source 9
Stricter than federal law, says the Governor
Executive Order 2025-02 describes the Act as one “which provides protections more stringent than federal privacy law.”
Source 10
What that means for keeping records
Our reading, not legal advice:
- A client's message to their therapist, made in connection with mental health services, falls inside the definition above, so where messages are kept, and who in the practice can open them, is a decision to make on purpose.
- A consent carries an expiry date and a right to revoke, so it is a document to keep beside the record it relates to, with the date easy to find.
- The Act concerns mental health and developmental disabilities services. Whether it covers a given practice is a question for that practice and its own adviser.
What Chicago adds to the state's rules.
Chicago sets its own rules on business licenses, and on pay and paid leave for staff who work in the city. Here is what the City's own pages say, with the lines quoted.
A Chicago business license, and who is exempt
The City's page says: “A Chicago business license is required to conduct, engage in, maintain, operate, or manage any business in the City of Chicago.” It then lists professions licensed by IDFPR “that do not require a Chicago business license”: Counselors (Professional and Clinical Professional), Marriage and Family Therapists, Clinical Psychologists, Clinical Social Workers and Social Workers, and Dietitians and Nutrition Counselors.
It adds: “if additional business activities are offered in the establishment/facility, which are not covered by the State of Illinois license, then a Chicago business license may be required.” It also says: “The lists provided are NOT comprehensive.”
Source 12
Minimum wage in Chicago
“As of July 1, 2026, the minimum wage in Chicago is $17.05 per hour for employers with 4 or more employees.”
“Every July 1, Chicago’s minimum wage increases per the Minimum Wage Ordinance.” The City says the increase follows “the Consumer Price Index or 2.5%, whichever is lower.”
Source 13
Paid leave and sick leave: who earns it, and how fast
“The Paid Leave and Paid Sick Leave ordinance mandates that all Chicago businesses provide paid leave and paid sick leave to employees. Any employee who works at least 80 hours for an employer in Chicago within any 120-day period is covered by the ordinance and is eligible for paid leave and paid sick leave.”
“Employees begin to accrue paid leave and paid sick leave on the first calendar day after they begin their employment. For every 35 hours worked, employees accrue one hour of paid leave and one hour of paid sick leave.”
Source 14
Paid leave and sick leave: how much, and when it can be used
The City's June 2026 release says workers are “guaranteed up to five days of paid leave and five days of paid sick leave.”
Paid leave: “Employees must be allowed to use accrued paid leave no later than on the 90th day following the commencement of employment.” Paid sick leave: “Employees must be allowed to use accrued sick leave no later than on the 30th day following the commencement of employment.”
“Starting July 1, 2026, workers are able to enforce their legal rights via private right of action.”
Source 15
The notices a Chicago employer posts and hands out
“Every employer must post in a conspicuous place at each facility located in the City of Chicago a notice advising the Covered Employee of:” the current minimum wage, Fair Workweek (if applicable), Paid Leave and Paid Sick Leave, and Wage Theft.
“With the first paycheck issued to a Covered Employee, and annually with a paycheck issued within 30 days of July 1st, every employer must provide a notice advising the Covered Employee of:” the current minimum wage, Fair Workweek (if applicable), and Paid Leave and Paid Sick Leave.
Chicago's rules are separate from Cook County's
Cook County's page asks “I work in the City of Chicago, does the Cook County Paid Leave Ordinance apply to me?” and answers: “The City of Chicago has enacted their own ordinance, which includes sick leave and paid leave.”
Its comparison chart says the County ordinance applies to “All municipalities within Cook County, except Chicago, unless a municipality has opted into IL Paid Leave for All Workers Act (PLAWA) or has an equivalent ordinance.”
On wages, the County's FAQ asks “Does the County MWO apply to the City of Chicago?” (MWO is its short form of Minimum Wage Ordinance) and answers: “No, the City of Chicago has its own MWO.”
What that means for staff and licenses
Our reading, not legal advice:
- The license list names professions, and the City calls it “a sampling.” It does not name coaches, so a coaching practice would ask the City before assuming the same exemption.
- The wage and leave rules are written around work done in Chicago. A practice with a second office outside the city would look up the rules for that office separately, starting with the County pages above.
- The minimum wage changes every July 1, so the figure above is the one the City shows on 9 November 2026, not a permanent number.
City services you can point to.
A cash-pay practice cannot serve every client. Here is what the City of Chicago says about its own mental health services, in its own words.
Free clinics for clients who cannot pay
Chicago Department of Public Health (CDPH) Mental Health Centers: “All Mental Health Centers provide outpatient mental health services for adults, children and adolescents including intake/screening, individual therapy, group therapy, case management, and medication management (same-day medication appointments).”
“These services are provided free of charge to all Chicagoans who are unable to pay.”
Source 18
In a crisis: 988 or 911
“Simply put, call or text 988 Suicide & Crisis Lifeline or call 911 when you or someone you know is in crisis.”
“There are crisis teams connected to 988 that respond across the city.”
Source 20
The CARE team
The CARE page opens: “If You Are Experiencing A Mental Health Crisis, Call 9-1-1 and Ask for the CARE Team”
“As of 2026, CARE responds to mental health crises citywide. CARE teams are comprised of a CDPH Mental Health Crisis Clinician and a CDPH Emergency Medical Technician.”
Source 19
Clinic locations, hours and phone numbers are on the City's pages and change, so they are not copied here. 1819
Where Cohessra fits in that work.
Cohessra serves the United States, so a Chicago practice uses the same two products as any other. Three parts of Cohessra touch the work above. Whether a practice meets Illinois or Chicago requirements is for the practice and its adviser to judge.
- ClientConnect
Client messages
Keep every conversation inside a secure client messaging thread that doesn’t get buried in inboxes.
- ClientConnect
Consent forms and session files
Send intake forms, consent documents, and session files through a secure document sharing portal.
- LedgerCare
Who in the practice sees what
Owners, billers, providers, and front desk staff each see only the screens and client data they need to do their job.
The plan that fits.
Sources for this page.
Every Illinois and Chicago fact above comes from one of these official pages, read on 9 November 2026: sources 1 to 11 are Illinois state pages, and sources 12 to 20 are City of Chicago and Cook County pages. The Illinois Act's words are given as the two state reports quote them, and the Act's own text is link 11; the statute is amended from time to time, so check its current wording before relying on a section. The City's rates and dates change, most often each July 1.
- IDFPR: Professional Counselor and Clinical Professional Counselor licensing page idfpr.illinois.gov
- IDFPR: instruction sheet for Licensed Professional Counselor and Licensed Clinical Professional Counselor (revised 8/24) idfpr.illinois.gov
- IDFPR: Social Work licensing page idfpr.illinois.gov
- IDFPR: Clinical Psychology licensing page idfpr.illinois.gov
- IDFPR: Marriage and Family Therapist licensing page idfpr.illinois.gov
- IDFPR: Dietitian Nutritionist licensing page idfpr.illinois.gov
- IDFPR: Check License (License Look Up) idfpr.illinois.gov
- Illinois Guardianship and Advocacy Commission, Human Rights Authority: report 09-030-9016, quoting 740 ILCS 110/2 and 110/3 gac.illinois.gov
- Illinois Guardianship and Advocacy Commission, Human Rights Authority: report 17-060-9015, quoting 740 ILCS 110/5 gac.illinois.gov
- State of Illinois: Executive Order 2025-02, 7 May 2025 illinois.gov
- The Act's own text: 740 ILCS 110, Mental Health and Developmental Disabilities Confidentiality Act ilga.gov
- City of Chicago, Business Affairs and Consumer Protection: Business License Exemptions chicago.gov
- City of Chicago, Office of Labor Standards: Minimum Wage chicago.gov
- City of Chicago, Office of Labor Standards: Paid Leave and Paid Sick Leave chicago.gov
- City of Chicago, Business Affairs and Consumer Protection: news release of 8 June 2026 on the July 1 minimum wage increase and paid leave rights chicago.gov
- Cook County Commission on Human Rights: Paid Leave Ordinance and Regulations cookcountyil.gov
- Cook County Commission on Human Rights: Minimum Wage Ordinance FAQ (July 2026) cookcountyil.gov
- City of Chicago, Department of Public Health: CDPH Mental Health Centers chicago.gov
- City of Chicago, Department of Public Health: Crisis Assistance Response & Engagement Program (CARE) chicago.gov
- City of Chicago, Department of Public Health: Mental Health Crisis Resources in Chicago chicago.gov
Who it is for.

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