Turning 65 is a key milestone. For those who are in the care of NDIS services, it might be wondering what lies ahead for them regarding their care. For an NDIS participant, it is important to realise that you won’t be deprived of support if you plan in advance. With the correct information the NDIS 65 transition can be as seamless and smooth as possible. In this blog we will discuss what lies ahead for you, and help you prepare better for your post 65 life.
NDIS Rules for Participants Over 65
First timers applying to the NDIS after being 65 years of age will not be accepted for support. But, if you already are a participant of NDIS and are about to turn 65, you can choose to remain with the NDIS or move to the aged care system.
You may keep receiving services from NDIS even if you turn 65, it is allowed, so the support doesn’t stop automatically. Some individuals may choose to transfer to aged care systems for services like residential care or broader services for older Australians. Hitting 65 makes you eligible for government funded aged care programs, that may include Home Care Packages, which can be great for complementing or replacing your NDIS funding. At this point, your main options are (a) staying with the NDIS for your disability-based needs, or (b) you could opt for My Aged Care for broader services of support for seniors.
Comparing NDIS and Aged Care Supports
NDIS and aged care have some noticeable differences, and understanding these differences will be beneficial for you to make a better choice.
- Funding & Services: Funds for supporting disability with the NDIS are individualised. Unlike with the NDIS, Aged Care (e.g., Home Care Packages) generally offers funds that are set specifically for broader age-related needs, and you may be required to help co-pay because the amounts are income-tested.
- Flexibility: NDIS funds are generally flexible. Even though funding for aged care packages is flexible, it is often provided in different ways and gives slightly less attention to a person’s unique wants.
- Equipment & Home Modifications: NDIS provides a lot of assistance in special devices and modifying your home. Such items for aged care are often limited by their funding since packages have set budgets.
- Residential Care: The NDIS usually does not fund nursing homes like the aged care system does. If the person requires nursing home care, they should apply through My Aged Care.
In brief:
- NDIS offers: Personalized plans, often more support hours, with an emphasis on disability-specific needs.
- Aged Care offers: Aged care focuses on seniors, potential health service integration, but the funding might be less individualized.
Planning Ahead Steps Before You Turn 65
To make your NDIS aged care transition as smooth as possible, it is best to start thinking about it at least 1-2 years in advance, before your 65th birthday.
- Discuss with Your Planner/Coordinator: Decide before you turn 65 if you plan to stay with NDIS or go on to using aged care and talk about this with your NDIS planner well in advance. Clear communication prevents surprises.
- Explore Aged Care Eligibility: Before you turn 65, get an Aged Care Assessment (ACAT/ACAS) to see if you’re allowed or eligible for different types of aged care and Home Care Packages. This helps in comparing options.
- Consider Support Needs Changes: Remember to go over your final NDIS plan review carefully, as needs may change with age, and make sure it accounts for potential increases, as initial aged care packages might offer fewer support hours.
- Financial Planning: Aged care often has costs (like fees that are based on a person’s income). Before making the switch, consider how much extra you will need. It may help to consult an expert in this field.
- Trial Aged Care Services (If You Can): Using entry-level services offered by programmes like the Commonwealth Home Support Programme (CHSP), might give you a clearer idea of how such services operate. Applicants may not get the same support twice, but they can use distinct supports.
Navigating Your Future with Confidence
Even if you are over 65, as an NDIS participant, you can still receive support. With Careful planning it will be made sure that you will still get the help you need, no matter if you remain in the NDIS or switch to aged care. Planning ahead and utilizing available resources to make the right decision is the most important when facing the 65 years old milestone.
1st Care Community is here to help if you or your family member is about to turn 65 under the NDIS and is unsure how to proceed. We have experience in both NDIS and Aged Care services. We can advise you on what to do and develop a comfortable transition plan when you approach your 65th birthday as an NDIS participant. You can contact us right away for more guidance.
