Central Illinois is expected to be hit with tornado alerts Tuesday afternoon and evening, with the highest risk between 6 and 10 p.m.

The National Weather Service announced on X that a Tornado Watch is 95% likely in east-central Illinois through 4:30 p.m. The potential storm is forecast to reach a peak intensity of 2-3.5 inch hail, 55-70 mph winds and 120-150 mph tornadoes.

Here’s how to stay updated on weather alerts in your area.

How to sign up for weather alerts in Illinois

Most residents throughout Illinois will automatically receive Wireless Emergency Alerts on their mobile phones from the NWS, warning them of potentially dangerous weather in their area. These will look like normal text messages and will typically show the type and time of the alert, any action you should take and the agency issuing the alert. 

Other sources of information include NOAA Weather Radio, the Storm Prediction Center’s live map of nationwide tornado watches and the Emergency Alert System on radio and TV broadcasts.

Residents can also sign up for text alerts through their local county emergency management agency, such as NotifyChicago.

Sign up for USA TODAY Network weather alerts

Illinois residents can sign up for alerts from the USA TODAY Network to receive texts about current storms and weather events in their area.

Tornado watch vs warning

The NWS explains the difference between the varying tornado alert terminology on its website.

A tornado watch means tornadoes are possible in the area, while a tornado warning means a twister has been sighted or indicated by the weather radar. A tornado emergency is the most severe alert, meaning a violent tornado has touched down in the area.

The website uses the phrases “be prepared,” “take action” and “seek shelter immediately” to summarize the three alerts.

Central Illinois weather radar

Chicago weather radar

A record share of Illinois university employees opt-out of pensions for a 401(k)-style plan, lawmakers should give other state employees the same flexibility.

More retired state university employees are opting for a 401(k)-style plan rather than a traditional pension than ever before. They want more choice and flexibility in their retirement benefits. Lawmakers should expand the option to all state workers.

SURS published its annual actuarial evaluation for 2025. With only 47.1% of what they need to pay retirees, they are the second-highest funded state pension in Illinois, beaten only by the Teachers Retirement System with a funded ratio of 47.8%. That shouldn’t be a source of pride, however.

Experts say 60% funded is dangerous and 40% funded or lower is past the point of no return, so 47% is far too low. Illinois’ pension crisis is the worst in the nation.

But the system stands apart because it offers a way out for employees who don’t want to be stuck in the outdated, one-size-fits-all pension model or a pension system that might become insolvent.

SURS gained 1,314 new employees last year, 725 to the traditional and portable pension plans while 589 opted into the Retirement Savings Plan. Nearly half, 45%, of all new members joining are opting out of a traditional pension.

The numbers show 18.2% of all active employees opted into the Retirement Savings Plan, the highest ever since it started in 1998.

It’s a defined contribution plan, similar to a 401(k), rather than the typical defined benefit pension available in most state retirement systems. That’s up from 17.7% of active employees in 2024.

Actuaries expect this pattern to continue, projecting a growing share of active employees opting into the plan until it reaches around 30% of all active employees who are on a defined contribution plan.

Academic hires such as professors are expected to opt-in to the Retirement Savings Plan at a rate of 45%. Non-academic employees such as administrators are expected to opt-in at a rate closer to 25%.

In both cases, employees seem to enjoy getting more choice over how to invest their retirement benefits, but the difference highlights why this option is so important. Currently state university employees are the only ones with this defined contribution option.

Traditional pensions for new workers at Illinois universities have a vesting period of 10 years. That means if someone leaves their job or the state before they’ve completed 10 years, they won’t be eligible for anything but a refund of their contributions. Not the state match or any interest they could’ve accrued while working.

Early-career academics face higher job uncertainty and are more likely to change institutions than later-career or tenured faculty. Under higher expected mobility, defined contributions are more attractive because you don’t have to worry about losing out on retirement benefits because the vesting period is much lower at 5 years.

Mobility isn’t only important in academia. The ability to change careers is important for a variety of jobs today. Wage and salary workers in the public sector today have a median tenure of 6.2 years. That number is likely skewed because 3-in-4 government workers are aged 35 and older.

Younger workers tend to stay in jobs for shorter periods. Across the public and private sectors, the median tenure of workers 55 to 64 is 9.6 years and 2.7 years for workers 25 to 34. Both figures are far below the 10-year vesting requirement for most Illinois pensions.

There’s no reason to limit flexibility and control to only employees under the State University Retirement System. Senate Bill 3389 offers a step in the right direction by allowing downstate teachers to opt-in to a similar Retirement Savings Plan. But that is only the start.

Illinois should expand this option to all five of its state pension systems so that employees can choose to have more control over their retirement finances. Similar plans have been enacted in Rhode Island and Tennessee, which has one of the best-funded pension systems in the country. A defined contribution plan offers more freedom and security for retirees.

ILLINOIS – Illinois is making it possible for thousands more people with disabilities to set aside money for their needs without losing critical federal benefits.

A new rule, announced this week by State Treasurer Michael Frerichs, raises the eligibility age so that anyone whose disability began before age 47 can now open an ABLE (Achieving a Better Life Experience) savings account.

The change nearly doubles the number of Illinois residents who can use the program, which lets people with disabilities save and invest money tax-free for qualified expenses. 

Frerichs called the expansion a “game changer,” estimating that 250,000 additional Illinoisans and about 6 million people nationwide now qualify. 

“We’re happy to report that ABLE accounts are now available to anyone who acquired their disability before age 46, and I think this is a game changer for a lot of people,” Frerichs said.

Until this expansion, ABLE accounts were only available to people who acquired a disability before age 26. That restriction left out veterans, accident survivors, and people diagnosed with disabling conditions later in life. The new rule took effect this year after Congress responded to calls from Illinois advocates and families to expand access.

How ABLE accounts work:

An ABLE account functions much like a 529 college savings account. Account holders, friends, and family can contribute cash, which is then invested. The money grows tax-free as long as it is used for disability-related expenses such as housing, transportation, assistive technology, or education. Illinois also offers a state income tax deduction for contributions.

Before ABLE accounts, people with disabilities who received Supplemental Security Income (SSI) or Medicaid faced strict asset limits. Having more than $2,000 in savings could mean losing those benefits. 

“This created a lot of anxiety for families who were preparing,” Frerichs said. “There’s a lot of fear for people who wanted to go out and work. What would happen if my paycheck put me over that threshold? Well, ABLE is the answer.”

The program allows up to $100,000 in savings without affecting federal benefits. Earnings and withdrawals remain tax-free if used for qualified expenses.

Real-life impact:

Frerichs shared stories from families who had to make difficult choices before ABLE accounts existed. 

“I talked to parents who had to tell their children’s employer don’t give my kid a raise,” he said. “I’ve talked to parents who talked with their financial advisors, saying, don’t name your child in your will. We created a system that put parents in horrible positions, but now we have a solution that allows them to do more long-term planning and to truly set their kids up for a better life experience.”

Stephanie Cantor, director of the Illinois ABLE program, said the expansion lets her and thousands like her save for expenses that come with disability. 

“Living with a disability just costs more, and it makes me think of all the ways an ABLE account could have been useful to me over the years to be able to save money and pay for these expenses,” Cantor said.

What’s next:

Illinois has about 8,500 ABLE account holders who have saved $121 million so far. The state treasurer’s office encourages anyone who thinks they may qualify to learn more and apply at illinoisable.com.