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Getting Started

How do I apply for an aged care assessment?

To qualify for government-funded aged care, you or your parent must generally be aged 65 or older (or 50+ for Aboriginal/Torres Strait Islander peoples) and need help with daily tasks. Eligibility is strictly determined by a free in-person Aged Care Needs Assessment, which is requested by applying through My Aged Care. Follow these concrete steps to check eligibility and get assessed:1.

Assessments

What should I prepare before an ACAT assessment?

Before your ACAT assessment, gather your Medicare card, another form of ID (like a driver's licence or pension card), doctor referrals, and a list of current medications. Note any support you currently receive, and think about your specific needs, daily challenges, and personal goals for maintaining independence. A little preparation goes a long way to ensure the assessor gets a complete picture of your situation.

Assessments

What happens if my care needs change after my initial assessment?

If your care needs change, you can request a Support Plan Review or a full reassessment at any time through My Aged Care. You do not need to wait for a scheduled 12-month check-in to adjust your funding or services if your health, living, or financial circumstances change significantly. The process for updating your support includes:Initial Contact: Talk to your current service provider first.

Eligibility & Access

How do I know if my support workers are qualified?

To verify your support workers' qualifications, check their certifications on their profile (e.g., via platforms like Mable), request a copy of their credentials from your care provider, and ensure they hold an NDIS Worker Screening Check or relevant Police Check. Qualified workers typically hold one or more of the following:Certificate III or IV in Individual Support, Aged Care, Disability, or Home and Community...

Support Workers

Can I request the same support worker for every visit?

Yes, you can absolutely request the same support worker for every visit. This is highly encouraged to build trust and routine. To guarantee consistency, ensure your My Aged Care Support at Home or NDIS provider agrees to this in your initial service agreement and roster plan. Having a consistent caregiver provides familiarity and stability.

Care Services

Can I get help with transport to medical appointments?

Yes, you can get help with transport to medical appointments through My Aged Care. Assistance is generally provided as direct transport with a driver, or via taxi and rideshare vouchers. Depending on your region, these services are offered through programs like the Commonwealth Home Support Program (CHSP) or a Support at Home funding.

Support Workers

Can a family member be paid to be my support worker under a Home Care Package?

A family member can sometimes be paid as your support worker, but it is not the usual arrangement. Your Support at Home provider must approve and formally engage them. The family member must meet the required screening, training and qualification standards, and the arrangement is generally considered only when suitable external workers are unavailable. You cannot pay a relative directly from your Support at Home budget without provider approval.

General

Is aged care entirely free or subsidized by the government?

Aged care in Australia is heavily subsidized by the Australian Government, but it is not entirely free. The government pays significant subsidies to approved providers on your behalf, but individuals are still expected to contribute to their care and living costs depending on their income and assets. The exact costs depend heavily on whether you are remaining at home or moving into an aged care facility:1.

Assessments

What is a Services Australia Income and Assets Assessment?

A Services Australia Income and Assets Assessment evaluates an individual's personal financial situation to determine their eligibility and contribution rates for various Australian government pensions, income support payments (e.g., Age Pension), or aged care services. How It Works Income Test: Evaluates income from all sources. This includes salaries, pensions, superannuation, investments, and rental properties.

Assets & Pension

Do I have to sell the family home to pay for residential aged care?

No, you do not have to sell the family home. Accommodation costs can be funded through a daily rental-style fee called a Daily Accommodation Payment (DAP), or by a combination of a partial lump sum (Refundable Accommodation Deposit) and DAP, avoiding a forced sale. The home's treatment depends on your specific circumstances:Couples: If your spouse remains in the home, its value is fully exempt from aged care assets...

Daily Life & Accommodation

Does home care offer specialised dementia therapies (e.g., sensory rooms, music therapy)?

Support at Home can fund specialised dementia therapies such as music therapy, occupational therapy, art therapy and diversional therapy when they address an assessed need and are approved in the support plan. A complete sensory room is not automatically funded, but clinically recommended sensory strategies, equipment or environmental changes may sometimes be considered.

Care Planning & Decision-Making

How often are care plans reviewed and updated?

Your Support at Home care plan should be reviewed with you at least once every 12 months. It should be reviewed sooner if you ask for a review or if your needs, goals, preferences, services, risks or circumstances change. You do not need to wait for the annual review to ask for changes.

Choosing & Managing Providers

What is an Advance Care Directive, and why does the provider need it?

An Advance Care Directive records your future healthcare wishes for a time when you cannot make or communicate decisions. Your Support at Home provider needs to know it exists so relevant workers and clinicians can follow your wishes, contact the correct decision-maker and respond appropriately during a health crisis-but having one is your choice, not a condition of receiving care.

Contributions

Do pensioners have to pay for Support at Home?

A full pensioner generally pays 5% toward independence services and 17.5% toward everyday living services, while clinical supports are free. Some transitioned Home Care Package recipients pay less or nothing-under the no worse off principle, and approved personal care will become free for everyone from 1 October 2026.

Contributions

Which Support at Home services are free?

Nursing, approved allied health and other clinical supports have no participant contribution. Care management is also contribution free. Personal care will become contribution-free from 1 October 2026. These services may still use your available government-funded budget, so “free” means no out-of-pocket contribution not unlimited care at no cost to your funding.

Provider Prices

Can a provider charge a separate administration fee?

A provider cannot normally add a separate administration fee to ordinary Support at Home services. A capped overhead of up to 10% may apply when a self-managing participant directly sources a third-party worker, although it must be included in the final service price. Separate capped charges are also permitted for AT-HM administration and home-modification coordination.

Understanding Self-Management

Is self-managed home care cheaper?

Self-management can be substantially cheaper when you find a lower-cost worker, even after the provider’s permitted overhead. However, compare the final price, reliability and administrative work not just the worker’s advertised hourly rate.

Transport

Can Support at Home pay for taxis or rideshare?

Yes, in some circumstances. Support at Home funding may be used for transport services, including taxis or rideshare services, where transport support has been assessed as necessary to help you remain independent and participate in everyday activities. However, transport funding is not unlimited and must align with your approved support needs and budget.

Navigating CHSP

What is a CHSP referral code?

A CHSP referral code is a unique code issued by My Aged Care after you have been assessed and approved for Commonwealth Home Support Program services. It allows an approved provider to view your referral details and begin arranging services.

Navigating CHSP

Do I have to pay toward CHSP services?

Usually, yes. Most people receiving Commonwealth Home Support Program (CHSP) services are asked to make a contribution toward the cost of their care if they can afford to do so. However, CHSP services are heavily subsidised by the Australian Government, and you will not be asked to pay the full cost of your approved services.

Navigating CHSP

Can CHSP fund equipment or small home modifications?

Yes. If you are assessed and approved for these services, CHSP may help fund eligible equipment, assistive technology and home adjustments that support safety and independence. Equipment and products are capped at $1,000 per client per financial year, while the government contribution toward home adjustments is capped at $15,000 per client per financial year. You may need to pay a client contribution and any cost above the applicable cap.

Navigating CHSP

Can CHSP help after I leave hospital?

Yes, CHSP may help with entry-level support after you leave hospital if you are assessed and approved for suitable services. However, CHSP is not a hospital discharge or rehabilitation program. If you need coordinated short-term recovery support, the Transition Care Program may be more appropriate.

Navigating CHSP

How long can I receive CHSP services?

There is no fixed time limit for receiving CHSP services. You can continue receiving services for as long as you remain eligible and the support continues to meet your needs. Some people receive CHSP services for a short period, while others may receive support for many years.

Navigating CHSP

Can I choose my own CHSP provider?

Yes. In most cases, you can choose which Commonwealth Home Support Program (CHSP) provider delivers your services. You are not required to accept the first provider you are referred to and may compare providers before deciding which organisation best suits your needs.

Navigating CHSP

Can I change CHSP providers?

Yes. You can change CHSP providers at any time if another provider is a better fit. Your current provider must support the change, although you may need new or reactivated referral codes before the new provider can begin services.

Program Basics

How do I apply for an aged care assessment?

You can apply for an aged care assessment online, by phone or in person through My Aged Care. An assessment is usually the first step to accessing government-funded aged care services such as CHSP, Support at Home, respite care or residential aged care. The application generally takes around 15 to 20 minutes.