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The Old Problem: ITCF Was a Real Barrier Under the old system, many people paid an Income Tested Care Fee (ITCF) of: $20–$30+ per day $140–$210+ per week And that was paid regardless of how much support you actually used. So people did one of two things: Used more services than they needed to “get value” Or avoided the system altogether and paid privately Both were completely rational. What’s Changed: Clinical Care Is Now $0 Under Support at Home, the biggest shift is simple:

Should Self-Funded Retirees Apply for Aged Care Support? Many self-funded retirees assume aged care support isn’t relevant to them. The thinking is simple: “We’ll just pay for what we need privately.” For a long time, that was a reasonable position. But things are changing, and in many cases, not getting assessed early can now be a mistake. This guide explains: Why the old thinking doesn’t always hold anymore What’s changed in the system When it does (and doesn’t) make sense

What Is the Commonwealth Home Support Programme (CHSP)? The Commonwealth Home Support Programme (CHSP) is the Australian Government’s entry-level aged care program, designed to help older people stay independent at home for longer. If you or a family member only need a small amount of help with daily tasks, CHSP is often the first place to start. This guide explains: What CHSP actually includes Who it’s for (and who it’s not for) How much it costs How it compares to Support a