How to Use NDIS Funding In Aged Care Services
Navigating the world of care funding can feel overwhelming, especially when balancing disability and ageing needs. Many Australians are surprised to discover that NDIS funding can be used for in-home aged care services if you know how to unlock its potential. Here's your step-by-step guide to making it work for you or your loved ones.
Understanding NDIS and Its Role in Aged Care
The National Disability Insurance Scheme (NDIS) was designed to support Australians under 65 living with a permanent or significant disability. While the Commonwealth Home Support Programme (CHSP) and Home Care Packages (HCP) cater specifically to aged care, many people fall into the overlap older Australians with disabilities.
If you or someone you care for is already on the NDIS and approaching 65, or experiencing ageing-related decline earlier due to a disability, NDIS funding can provide tailored support to keep them living comfortably at home.
Who Is Eligible?
People under 65 with a permanent disability
Existing NDIS participants who turn 65 can choose to remain on the NDIS or transition to aged-care funding
Older adults living with a disability and requiring daily support
What In-Home Services Can Be Covered by NDIS?
With the right NDIS plan, participants can access a wide range of in-home care services:
Personal care (bathing, grooming, dressing)
Meal preparation and delivery
Domestic assistance (cleaning, laundry, gardening)
Mobility and transfer support
Assistive technology and home modifications (e.g., ramps, rails)
Transport assistance to appointments or social activities
Community nursing care for complex needs
How to Access NDIS Funding for Aged Care Needs
Here are three steps to maximise your NDIS plan for in-home aged care:
1. Review and Update Your NDIS Plan
Make sure your NDIS goals reflect your aged care needs. This could include goals like "maintaining independence at home" or "accessing community safely." The more specific you are, the easier it is to get funding approval.
2. Work With a Plan Manager or Support Coordinator
NDIS Plan Managers and Support Coordinators help navigate provider options, manage funds, and ensure services are delivered effectively. They advocate on your behalf to ensure your funding aligns with your care needs.
3. Choose NDIS-Registered Aged Care Providers
Partner with care providers who are registered with the NDIS and experienced in delivering aged care. This ensures compliance, quality of service, and smoother invoicing processes.
Benefits of Using NDIS for In-Home Aged Care
By leveraging NDIS funding, older Australians living with disability can:
✅ Stay at home longer, preserving independence
✅ Reduce out-of-pocket costs for daily care services
✅ Access tailored, flexible care not always available through standard aged-care programs
Final Thoughts
Combining aged care and disability support doesn't have to be complicated. With careful planning and the right advice, NDIS funding can provide a personalised pathway to safer, more comfortable living at home.
Want help optimising your NDIS plan for aged care? Book a free consultation with Curki.ai today and let our sector-trained AI take the admin load off your shoulders.
