Types of Aged Care
| Type | What It Is | Cost |
|---|---|---|
| Commonwealth Home Support Programme (CHSP) | Basic help at home — cleaning, meals, transport, social activities | Low — small co-contribution per service |
| Home Care Packages (HCP) | Coordinated care at home for more complex needs — personal care, nursing, allied health | Income-tested fee + basic daily fee (~$12/day) |
| Residential aged care | 24/7 care in a residential facility (nursing home) | Basic daily fee (~$61/day) + income/asset-tested fees |
| Respite care | Temporary care to give the regular carer a break | Basic daily fee (~$61/day for residential respite) |
How to Access Aged Care
- Contact My Aged Care: Call 1800 200 422 or visit myagedcare.gov.au. They'll help you understand what's available.
- Get an assessment: An assessor visits (free) to determine what level of care is needed. Regional Assessment Service (RAS) for basic needs, Aged Care Assessment Team (ACAT) for more complex needs or residential care.
- Choose a provider: Once approved, you choose a care provider from the My Aged Care directory.
- Start receiving care: Your provider coordinates your services.
How Much Does Residential Care Cost?
Everyone pays a basic daily fee (about $61/day or ~$22,300/year). On top of that, you may pay an income and asset-tested care fee (means tested) and a refundable accommodation deposit (RAD) or daily accommodation payment (DAP). The RAD can be $200,000–$1,000,000+ depending on the facility and room type — but it's fully refundable when you leave or pass away.
The Big Change Coming: Support at Home
The Australian Government is reforming aged care. The new Support at Home program is replacing the Commonwealth Home Support Programme and Home Care Packages. Check myagedcare.gov.au for the latest on timing and what it means for you.
Frequently Asked Questions
How do I start the aged care process?
Call My Aged Care on 1800 200 422. They'll arrange an assessment to determine what care is needed and what you're eligible for.
How much does a nursing home cost?
The basic daily fee is about $61/day ($22,300/year). You may also pay income/asset-tested fees and a refundable accommodation deposit (RAD). The RAD is fully refunded when you leave.
Does the government pay for aged care?
The government heavily subsidises aged care. How much you contribute depends on your income and assets. Low-income residents may pay just the basic daily fee with most costs covered by the government.