Aged care in Australia plays a vital role in supporting older people to live independently and safely at home. With increasing demand for personalised, in-home assistance, government-funded aged care services such as Home Care Packages offer flexibility, dignity, and peace of mind. But what exactly can you spend your package funds on?
Understanding how these packages work, what they cover, and how they are managed will help you make informed decisions about the level of care that best meets your needs or those of your loved ones.
Understanding Aged Care and Government Support
Aged care refers to a wide range of services designed to support people aged 65 years and over (or 50 years and over for Aboriginal and Torres Strait Islander peoples) in their daily living. These services may be provided at home, in the community, or in an aged care home.
The Australian Government offers two main types of support for in-home services: the Commonwealth Home Support Programme (CHSP) for entry-level care and Home Care Packages (HCPs) for those who need a higher level of ongoing assistance. These programs are designed and regulated by the Department of Health and Aged Care, with oversight from the Aged Care Quality and Safety Commission.
Eligibility and Access – Who Can Receive Aged Care Packages?
To access a government-funded Home Care Package, individuals must undergo an assessment through the Aged Care Assessment Team (ACAT). Eligibility is based on age, living arrangements, and current care needs. This assessment determines whether you qualify for services and at what level of care.
Once approved, you’ll be placed on the national waiting list. When a package becomes available, you can choose a provider like Senior Helpers to deliver your services. The official Aged Care Website offers a provider comparison tool and information on wait times.
What Services Can You Spend Your Aged Care Package On?
Your Home Care Package can be used for a wide range of services that support your independence, health, and safety at home. These include:
- Personal care such as help with showering and dressing
- Domestic assistance including cleaning and laundry
- Respite care to give family carers a break
- Allied health services like physiotherapy and podiatry
- Mobility aids and home modifications
- Transport to appointments or social activities
- Nutritional support and meal preparation
- Support with medication management
These services are tailored to your individual care needs, lifestyle, and package level. Whether you’re receiving basic assistance or managing complex health conditions, you can design a care plan that evolves with you.
What You Can’t Use Your Aged Care Package For
It’s important to know what isn’t covered. Home Care Packages cannot be used for:
- Day-to-day living costs like rent, groceries, or holidays
- Services already funded by Medicare
- Items unrelated to care needs, such as gym memberships or cosmetic treatments
While services in residential aged care are funded differently, Home Care Packages are designed for in-home care only.
Spending Based on Level of Care: Maximising Value
There are four levels of Home Care Packages:
- Level 1 – basic care needs
- Level 2 – low-level support
- Level 3 – intermediate care
- Level 4 – high-level or complex care
As you move to a higher level, you can access more funding and broader support. For example, someone on a Level 4 package might receive both daily personal care and regular visits from registered nurses or specialists.
How to Manage Your Funds with a Care Provider
Once your package is assigned, you’ll need to select an approved provider to manage and deliver your care. A good provider will work with you to develop a care plan, manage your budget, and ensure service delivery complies with all standards under the Aged Care Quality and Safety Commission.
It’s important to understand provider fees and how they affect your package. Some providers charge a care management fee or package administration fee, which reduces the funds available for direct services. Transparency here is key to maintaining care quality and safety.
Your Rights, Quality Standards, and Who Oversees Them
As a recipient of aged care services, you have rights protected under the Aged Care Quality Standards. These include dignity, respect, and the ability to participate in decisions about your care. The Quality and Safety Commission ensures providers meet these obligations and investigates any concerns.
Case Example: Spending a Package in Different Regions
Consider a client in Shepparton, Victoria. They might use their package for home modifications, companion visits, and weekly physiotherapy. In Brisbane, a client may choose to focus on transport services and respite care. Senior Helpers ensures each plan is adapted to the region’s resources and the client’s cultural needs, including those of Torres Strait Islander peoples.
Where to Learn More and Get Help
If you’re ready to explore your options, visit the My Aged Care website to start your assessment or compare providers. Senior Helpers also offers personalised guidance to help you understand and use your Home Care Package effectively.
Get the Most Out of Your Aged Care Package
Government-funded aged care is more than just support – it’s about enabling independence, safety, and quality of life. By understanding what you can spend your aged care package on, and partnering with a provider that values personalised care, you can make the most of the services available to you. Speak with Senior Helpers today to take the next step toward tailored, in-home support.