Navigating Government Funding for In-Home Care In NSW: Key Programs Explained
Securing in-home care for a loved one can feel daunting, especially when you’re uncertain about the costs. Fortunately, multiple Australian government programs are in place to help families access essential support without excessive financial strain. In New South Wales, these include both aged care and disability-focused subsidies. From basic domestic help to more complex nursing, this guide breaks down the most common funding options, outlines eligibility criteria, and offers tips for a smoother application process. With the right resources, you can confidently arrange the care your family needs. Let’s take a closer look at each of the programs available, to help you understand the best choice for your loved one.
Commonwealth Home Support Programme (CHSP)
CHSP caters to seniors who require lower-level support to remain independent at home. Typical services include housekeeping, basic personal care, meals, transport, and social activities. Funding is delivered to approved providers, which then offer subsidised services to eligible clients. Participants typically pay a small contribution, but this is often negotiable based on personal circumstances.
To get started, contact My Aged Care for an assessment, where a simple evaluation of your loved one’s daily living needs will determine whether CHSP is appropriate. If approved, you will be able to choose from various local providers offering the specific help you require — such as meal preparation or light cleaning — while still enjoying the comforts of home.
Home Care Packages (HCP)
For older Australians with more complex or ongoing requirements, Home Care Packages offer a higher level of government-subsidised support. Packages range from Level 1 (basic assistance) to Level 4 (high-level care, including nursing). An Aged Care Assessment Team (ACAT) in NSW evaluates your loved one’s needs, recommends a package level, and adds your loved one to a national waitlist if a package isn’t immediately available.
When the package is assigned, you and your loved one will be able select an approved provider to manage the funds and coordinate services. These can include personal care, allied health, and even home modifications. Costs vary based on your loved one’s income, and this means they may be asked to pay a basic daily fee and an income-tested fee. If financial hardship makes these contributions difficult, you can apply for government assistance to reduce or waive some charges. By partnering with a reliable provider, you can adapt services over time as your needs evolve.
Important note: In 2025, the Australian Government will begin rolling out the Support at Home program, replacing the Home Care Packages Program, and incorporating the Commonwealth Home Support Programme no earlier than July 2027. The aim is to create a more streamlined, user-friendly aged care system through a Single Assessment System.
National Disability Insurance Scheme (NDIS)
Designed for Australians under 65 with permanent and significant disabilities, the NDIS offers a personalised approach to funding. Applicants begin by submitting an Access Request, usually with medical documentation and functional assessments. Once approved, you and your loved one will develop a plan during a meeting with an NDIS planner or Local Area Coordinator (LAC), focusing on goals and supports that promote their independence and quality of life.
In-home care supports under the NDIS can range from assistance with daily tasks (like meal prep or bathing) to allied health and specialised equipment. You can manage funds in one of three ways: agency-managed, plan-managed, or self-managed. Each option has different levels of flexibility and administrative responsibility. Plans are reviewed periodically, so if your loved one’s needs change, you can update their funding arrangements.
Financial Hardship Assistance
If fees related to Home Care Packages or other aged care programs become unmanageable, the government’s Financial Hardship Assistance can provide relief. This program is designed for those genuinely unable to afford standard contributions, whether due to limited assets or reduced income. If you believe you qualify, speak with My Aged Care or your provider about submitting an application. Having some or all of your fees waived can make a crucial difference in preserving your loved one’s in-home support.
Combining government funding with private services
In some cases, government-funded hours or services may not cover all of a person’s needs, especially if there are waiting periods or package level gaps. Families often choose to top up with private in-home care, which can begin immediately and provide specialised options like live-in support or advanced dementia care. By combining subsidised and private services, you can customise a seamless plan that fully meets your loved one’s requirements while alleviating stress for you and the rest of the family. Remember – you are not alone!
Tips for a smooth application and assessment
Before starting an application, gather documents such as identification, financial records, and relevant medical reports for your loved one. Keep notes on daily care needs or areas of difficulty — this can help assessors understand your situation more accurately. During phone calls or in-person evaluations, don’t be afraid to ask for clarification about fees, waiting times, or the scope of services. If delays occur, follow up with My Aged Care, ACAT, or the NDIS hotline to ensure your loved one’s application remains on track.
Navigating government funding for in-home care in NSW doesn’t have to be overwhelming. Programs like CHSP, HCP, and the NDIS provide valuable financial support, helping individuals remain safe and comfortable in their own homes. Although eligibility criteria and processes can vary, taking things step by step — and seeking advice when needed — can unlock the right assistance for your family.
If you’d like guidance on finding the ideal services or bridging any gaps in coverage, Care For Family is ready to help you secure the support your loved one deserves.
Frequently asked questions (FAQs)
1. What's the main difference between the CHSP and a Home Care Package (HCP)?
The Commonwealth Home Support Programme (CHSP) is designed for seniors who need a lower level of support with one or two specific tasks. Home Care Packages (HCP) are for those with more complex, ongoing care needs and are offered in four levels of funding and support.
2. Who is eligible for the NDIS, and how does it differ from aged care funding?
The NDIS (National Disability Insurance Scheme) is for Australians under the age of 65 who have a permanent and significant disability. Unlike aged care funding, its focus is on providing personalised support to help individuals achieve their life goals.
3. What is the first thing I need to do to apply for government-funded aged care in NSW?
The first step is to contact My Aged Care. They will arrange for an assessment to determine your loved one's needs and eligibility for programs like the CHSP or a Home Care Package.
4. Are government-funded in-home care services completely free?
No, they are subsidised, not free. Most programs require clients to pay a contribution. For Home Care Packages, this can include a basic daily fee and an income-tested care fee, though financial hardship assistance is available.
5. What can I do if there's a long waiting period for a Home Care Package?
While on a waitlist for a government-funded package, many families choose to arrange private in-home care services. This ensures their loved one’s needs are met immediately and can be used to supplement the package once it is assigned.
You may find these other articles helpful for your home care journey:
- Is Your Loved One Ready for In-Home Care? Recognising the Signs
- How to Start the Conversation About In-Home Care with Your Loved One
- A Comprehensive Guide to In-Home Care Options: What Services Are Available?
- Choosing the Right In-Home Care Provider: Questions to Ask and Red Flags to Watch
- Creating A Sustainable In-Home Care Plan: Integrating Support into Your Family’s Life
- Self-Care For Family Caregivers: Why Your Wellbeing Matters
- From Research to Action: Your Step-By-Step Guide to Transitioning to In-Home Care