Eligibility for Government-Funded Aged Care in Australia: A Clearer Picture

Determining eligibility for government-funded aged care in Australia is a straightforward process, focusing on your loved one’s needs rather than finances.

Key Eligibility Criteria:

  • Age: 65+ for most Australians, 50+ for Aboriginal and Torres Strait Islander people.
  • Need for Assistance: Requiring help with daily activities like bathing, dressing, or preparing meals.

Financial Status Doesn’t Affect Eligibility:

  • Regardless of income or assets, your loved one can access support based on their functional needs.
  • However, the amount you contribute towards the care cost can vary based on income and assets.

Understanding Contribution Levels:

  • Home Care: Income-tested fees are determined by Services Australia.
  • Residential Care: Means-tested care fees are assessed by Services Australia.

Government Funding and Your Contribution:

  • Government funding covers a portion of the care cost, paid directly to your provider.
  • If you have a contribution fee, it’s deducted from the government funding before your provider receives payment.

Caps on Contributions:

  • There are annual and lifetime limits on your financial contribution, ensuring you won’t pay indefinitely.

Peace of Mind and Next Steps:

Understanding eligibility can ease worries and empower you to navigate the system. Feeling unsure about financial assessments or care costs?

Get Expert Clarity:

Book a call with our aged care cost experts for a clear picture of your situation and next steps.

DIY Option:

Use the My Aged Care fee estimator (https://www.myagedcare.gov.au/fee-estimator) to get a starting point.

Whether you choose expert advice or go it alone, this information empowers you to make informed decisions for your loved one’s care.

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