Options to Pay for Home Care

While the federal government offers a number of options to assist Australians, you may not be aware of the range and other options that you and your family can explore.

Government Subsidised Services

For people aged over 65 years (55 years if you are of Aboriginal or Torres Strait Islander descent) there are two major options:

Low level needs: The current funding for small supports (assistance with home cleaning, home modifications, transport and assistance to go shopping, gardening and personal care), there is the Commonwealth Home Support Program (CHSP).

The funding for this program can be accessed through My Aged Care (www.myagedcare.gov.au ) or 1800 200 422

There is a co-payment that recipients are asked to pay, alongside the government subsidy payment.

If your needs are greater, you may be eligible for a Home Care Package. This offers four levels of payment, depending on the recipient’s needs.

The funding for this program can be accessed through My Aged Care (www.myagedcare.gov.au ) or 1800 200 422

There is a co-payment that recipients are asked to pay that is assessed and set by Centrelink.

Private pay: If you do not wish to apply for government subsidised services, you can pay full fee for home care. Unfortunately, you cannot claim these services from your Private Insurance.

Pensions Loan Scheme

All older Australians will have access to a regular payment under the Pensions Loans Scheme which is equal to the difference between their current age pension payment and 150% of the maximum pension rate. This is more beneficial for part-pensioners. Repayment is only required when their home or property is sold or when one partner passes away. You cannot be asked to repay more than the value of your property. Access to this can be made through the Department of Social Security (https://wwwhumanservices.gov.au) or through Centrelink.