Understanding the Aged Care Package System
The Australian aged care system provides support for older people needing assistance with daily living to remain independent at home. Home Care Packages (HCP) offer coordinated care and services, requiring specific eligibility criteria assessed via My Aged Care. The process starts with an assessment of needs, health, and current support.
The My Aged Care Assessment Process
Eligibility for an aged care package is determined by a My Aged Care assessment. Different assessments exist based on support needs, with an Aged Care Assessment Team (ACAT) conducting comprehensive assessments for Home Care Packages.
How to Initiate an Assessment
You can apply for an assessment online or by calling My Aged Care. Family, friends, or hospital staff can also assist with the application.
What to Expect During the Assessment
ACAT assessments are in-person meetings, typically at your home, to evaluate daily living, health, and social needs. The assessor discusses your ability with daily tasks, medical history, mobility, memory, social support, and personal goals.
Who Is Eligible for an Aged Care Package in Australia?
Eligibility is based on age and assessed care needs.
General Criteria
- Age: Usually 65 or older.
- Aboriginal and Torres Strait Islander people: 50 years or older.
- Younger individuals: Possible in exceptional cases with specific needs not met elsewhere.
- Homelessness: People aged 50-64 who are homeless or at risk.
Care Needs Criteria
Eligibility also requires needing coordinated services to stay at home, assessed by ACAT based on factors like reduced mobility, medical conditions, recent health events, or changes in functional ability.
Home Care Package Levels and Funding
Eligibility for one of four Home Care Package levels is based on assessed care needs, with funding increasing with the level of care required.
| Package Level | Level of Care Needs | Annual Government Funding (approx.) |
|---|---|---|
| Level 1 | Basic care needs | $10,931 |
| Level 2 | Low care needs | $19,224 |
| Level 3 | Intermediate care needs | $41,847 |
| Level 4 | High care needs | $63,440 |
Note: Funding is approximate as of September 2025 and subject to change. For current details and information on the upcoming Support at Home program, visit the official My Aged Care website.
What to Do After Your Assessment
After assessment, you receive a letter confirming eligibility and package level, then join the national priority system (waitlist). Wait times vary. Once assigned, you choose a provider to create a care plan using package funds, government subsidy, and potential personal contributions.
Costs and Financial Considerations
Home Care Packages are subsidised, but some fees may apply.
- Basic Daily Fee: Your provider might charge a fee depending on your package level.
- Income Tested Care Fee: Services Australia assesses your income to determine if this fee is payable, with annual and lifetime caps.
- Additional Fees: You may pay for extra services not covered by the package.
Conclusion: Taking the Next Step
Eligibility for an aged care package in Australia is determined through the My Aged Care assessment process, based on age and care needs. The system offers coordinated support for various circumstances. The best initial step is to contact My Aged Care via their website or phone to begin the assessment and find suitable support.
