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FAQs

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How do I pay for Aged Care?

How do I pay for Aged Care

Aged Care is complex and expensive. There seems to be endless fees and hoops to jump through. But there is help. Call CareAbout and we’ll explain aged care fees in words you’ll understand. We can even match you with one of our care partners – and this is absolutely free!

How can I afford care?

The government helps subsidise the costs of aged care. And yes, you’re expected to contribute to these costs. Your contribution depends on your individual situation.

Many people seek professional help to work out the best way to pay for aged care. CareAbout can connect you with experts who can estimate your fees and even give you advice on how to structure your finances to make the most of government subsidies. Read about the costs of aged care in our article Aged Care Costs 101.

How much will the government pay?

Everyone over the age of 65 years in Australia is entitled to some help from the Commonwealth Government. However, everyone is expected to contribute to the cost of aged care.

For Care at Home there’s different levels of subsidies – up to 49k per year. But you will be expected to pay towards the cost of care.

If things go wrong - Aged Care Complaints - where to get help

If things go wrong – Aged Care complaints – where to get help

Sometimes things go wrong. There is a free government service that can address your complaints.

Call 1800 550 552 or see the Aged Care Complaints website.

Stay at Home or move into an Aged Care Home - what’s the difference?

Stay at Home or move into an Aged Care Home – what’s the difference?

Most people in Australia would prefer to stay in their own home than move into an Aged Care Home. The government supports both situations and is increasingly shifting funding to care at home.

Does mum/dad/nanna/my neighbour have to go into an Aged Care Home?

It can be hard to know what the right decision is. And yes, everyone’s situation is unique. Many people find they need help to work out the best way to care for a loved one.

CareAbout has aged care experts who can help guide you through the maze of options and work out the right path for your mum and your family.

We need help - where do we start?

We need help – where do we start?

Just call us. Everyone’s situation is different – (of course!). So everyone starts in a different place. So simply give us a call and we can work out where you’re starting from so you can start on the right path.

What is a Nursing and Wellbeing Assessment?

Sometimes you know you need help but you don’t where to start.

You can have a qualified nurse come to your home and complete a full nursing assessment. The nurse will review your physical and mental health, the medications that you’re taking and see if your home is set up for your needs.

Depending on the situation, the nurse may recommend some care to help you stay at home.

What are Aged Care Homes?

What is a Nursing Home?

A Nursing Home is a Residential Aged Care Facility or an Aged Care Home. It’s just a different way some people  talk about Aged Care Homes – somewhere where there’s help all the time.

If you need help finding the right Nursing Home or understanding their fees and aged care services give us a call.

What is a Residential Aged Care Facility?

A Residential Aged Care Facility is a Nursing Home or an Aged Care Home. It’s just a different way some people  talk  about Aged Care Homes – somewhere where there’s help all the time.

If you need help finding the right Residential Aged Care Facility or understanding their fees and services give us a call.

Are there private Aged Care Homes?

Yes, these are called Supported Residential Services. They don’t receive government subsidies so they’re funded in full by residents’ fees.

Residents may still be able to access some government help if they’re in a Supported Residential Service. Speak to CareAbout about your unique situation.

What are Supported Residential Services?

Supported Residential Services are private Aged Care Homes. Supported Residential Services don’t receive government subsidies.

Many people find they need help finding the right care options for their specific circumstances. If you need help CareAbout can help.

What to look for in an Aged Care Home?

There’s loads to consider in choosing an Aged Care Home. The area, the services, the price of the room! CareAbout can connect you with experts who can tour homes with you and help you to find the right match.

Read more on What to look for in an Aged Care Home here.

Fees for Aged Care Homes

Like Care at Home there’s different fees at different homes and different fees depending on your unique situation. It’s a bit confusing.

In short there’s three ways to pay for your room.

  1. A Refundable Accommodation Payment or RAD – which is like a bond.
  2. A Daily Accommodation Payment or DAP – which is an interest rate paid daily.
  3. Or a combination of both a Refundable Accommodation Payment and a Daily Accommodation Payment.

Yes, it’s confusing. So if you’re unsure of how much you can afford or the best way to pay for an Aged Care Home speak to a professional. CareAbout can talk you through the options and connect your with an expert who can estimate your fees and even give you advice on how to structure your finances to make the most of government subsidies.

Read about the costs in our article Aged Care Costs 101.

How do I work out my Means Tested Fee?

In addition to the bond or daily accommodation fee you also have to pay a Means Tested Fee. Centrelink works out how much you need to pay. You can access the means tested fee at Centrelink here.

What help does the Government provide and how to access it?

What help does the Government provide and how to access it?

We’re lucky that the government helps to fund the cost of aged care. Everyone over the age of 65 years is entitled to some help. And yes, everyone is expected to contribute to the cost of aged care.

My Aged Care – where you need to start to access government subsidies

If you choose to access government subsidies you need to start by calling My Aged Care. My Aged Care will walk you through the steps you need to take, starting with a face – to – face assessment of your loved one’s needs.

My Aged Care will also guide you through the fees you will need to contribute to the costs of care. You can then choose how you want to spend the government subsidies – this may mean support to stay at home or moving into an Aged Care Home.

There is a delay of up to 8 weeks to access government subsidies. If you need help earlier you can pay for care directly.

If you need help now, CareAbout can talk you through the fees and services of our different partners so you can compare aged care value and service offerings.

How do I get help from the Council to stay at home

Access help from your local Council to stay at home by calling My Aged Care. My Aged Care will walk you through the steps you need to take.

What is Care at Home?

Care at Home costs explained

Yes, it the costs can get a bit tricky. Different aged care providers charge different fees and then there’s the government fees. See our simple table Care At Home Costs Explained for a clear explanation.

What is an Income Tested Fee?

Centrelink works out the amount you need to pay as an Income Tested Fee. You can find an income assessment form here.

Or contact CareAbout and they can connect you with experts who will estimate all of your fees and even give you advice on how to structure your finances to make the most of government subsidies.

Do I have to pay a Daily Care fee as well?

Back to fees. Did we mention aged care is complex? See our easy-to-understand table Care at Home Costs Explained.

And, in short yes and no. It depends on the care provider but they can charge around $10 per day regardless of your situation.

Can care providers really take 40% of my government subsidies in admin?

Yes and yes. Care providers can charge an administration fee of 40% and many do. Make sure you’ve done your research so you find a care provider that’s right for you and you’re getting value for money.

CareAbout has done the research for you – call us to compare the fees and values of our care providers.