After assessment you receive a priority rating of High, Medium or Standard. If full funding is delayed, you may receive an interim allocation equal to 60% of your classification budget so essential supports can start while you wait for the remainder.

Two time-limited options sit alongside ongoing services. The Restorative Care Pathway provides focused allied health and nursing to help you recover after illness, injury or a hospital stay. The End-of-Life Pathway offers rapid, enhanced support so you can remain at home with comfort and dignity in your final months, complementing specialist palliative care.

Each quarter you may carry over up to 10% of that quarter’s budget or $1,000, whichever is greater, to cover unplanned needs in the next quarter. If you are moving from HCP, your unspent balance transitions with you on day one.

You pay nothing for Clinical Supports. Means-based contributions apply to Independence and Everyday Living, with lower rates for full pensioners and higher rates for self-funded retirees. There are annual caps, a lifetime cap of around $130,000 on non-clinical contributions, and formal hardship assistance if you’re struggling to pay.

Services are grouped as Clinical Care, Independence supports and Everyday living. Clinical Care such as nursing and allied health is fully funded by government; Independence and Everyday living cover things like personal care, transport, cleaning and meal preparation. Assistive Technology and Home Modifications are funded from a separate AT-HM stream so essential equipment doesn’t drain your regular care budget.

Funding is tied to your classification and paid quarterly into an account managed by Services Australia. Annual budgets span roughly $10,732 to $7,810 across Levels 1 to 8, giving predictable, needs-based funding that you can direct to approved services in your plan.