Navigating the aged care system in Australia can be a complex and emotional journey for older individuals and their families. 

Understanding the steps involved and the importance of seeking professional advice can make the transition smoother, more affordable, and better aligned with individual needs and preferences.

Step 1: Understanding Care Needs

The first step is to assess what type of care is required. This may range from occasional help at home to full-time residential care. Indicators such as difficulty with daily activities, increased falls, isolation, or medical needs often signal that support is needed. Families should start by having an open discussion with their loved one to understand their preferences and concerns before exploring available options.

Step 2: Getting an Aged Care Assessment

Before accessing government-funded aged care services, an Aged Care Assessment Team (ACAT) or Aged Care Assessment Service (ACAS) (in Victoria) must assess eligibility. This assessment determines the level of care needed—whether it’s home support through the Commonwealth Home Support Programme, a Home Care Package, or residential aged care. The process is initiated by applying through My Aged Care, either online or by phone. The assessment is conducted at home or in hospital and is free of charge.

Step 3: Exploring Care Options

Once the assessment is complete, the individual receives an approval letter detailing the services they’re eligible for. The next step is to research and compare care providers. Options include:

• Home care services for support with cleaning, meals, and personal care.
• Respite care for temporary relief to carers.
• Residential aged care for those requiring ongoing assistance and supervision.
  Families should visit facilities, review care standards, and understand the fees and inclusions before making decisions.

Step 4: Understanding Costs and Funding

Aged care costs can be complex, involving basic daily fees, means-tested care fees, and accommodation payments. The government may subsidise part of these costs depending on income and assets, but individuals may still need to make significant contributions. Accurate financial planning is essential to avoid unexpected costs and ensure long-term affordability.

Step 5: Applying and Transitioning into Care

After selecting a preferred care provider, applications are submitted, and once accepted, the transition process begins. This may involve selling or renting the family home, downsizing, or adjusting to a new living environment. Emotional and logistical support during this phase is critical for both the individual and their family.

Why Seek Advice?

Professional advice can help families make informed, confident decisions. Aged care financial advisers or specialist planners can clarify how fees are calculated, identify government subsidies, and structure assets to minimise costs. They can also assist with Centrelink entitlements, accommodation payments, and estate planning.

Beyond financial aspects, advisers can help coordinate assessments, explain legal documents such as Enduring Powers of Attorney, and guide families through emotional and practical challenges. Seeking advice ensures that care decisions align with personal goals, financial well-being, and quality of life, reducing stress during what can otherwise be an overwhelming process.

If this article has inspired you to think about your unique situation and, more importantly, what you and your family are going through right now, please get in touch with your advice professional.

This information does not consider any person’s objectives, financial situation, or needs. Before making a decision, you should consider whether it is appropriate in light of your particular objectives, financial situation, or needs.

(Feedsy Exclusive)