They’re for:

  • an older person who needs coordinated services to help them remain at home, or
  • a younger person with a disability, dementia or other care needs that are not met through other specialist services.

Home Care Packages are for people needing complex forms of home support. If your needs are simpler, you may be better suited with the Commonwealth Home Support Programme.

Depending on the package and individual needs, Home Care Packages differ. Each level has a basic subsidy rate, with additional supplementary amounts assessed, calculated and paid based on requirement.

Let’s have a look at the tiers of Home Care Packages, with rounded amounts, below.

  • Level 1: covering basic care needs – approximately $8,800 a year
  • Level 2: for low care needs – approximately $15,500 a year
  • Level 3: for intermediate care needs – approximately $33,700 a year
  • Level 4: those with high care needs – approximately $51,100 a year

Subsidies for Home Care Packages are calculated as follows:

  1. The basic subsidy amount: you could call this the baseline amount
  2. Plus any primary supplements: specific care and support requirements, detailed below
  3. Minus any reductions in subsidy: worked out on a per-person basis
  4. Plus any other supplement: which could include a special consideration, like a hardship supplement, or viability supplement, reducing fees for Home Care Packages.

Home Care Packages are generally paid in monthly instalments - you’ll be able to see the full amount and what funds are available online. Subsidies are calculated by adding the amounts due for each recipient for each day of the month, based on the claim form submitted by providers.

Home Care Packages and supplementary funding

Supplementary funding aims to cover the costs of caring for complex needs and specific conditions:

  1. Dementia and Cognition Supplement: Those who score 10 or higher on the Psychogeriatric Assessment Scale may be eligible for an additional 11.5% of funding on Home Care Packages
  2. EACHD Top Up Supplement: Payable to a provider for a consumer who previously held an Extended Aged Care at Home – Dementia (EACH-D) package, prior to 1 August 2013
  3. Oxygen: Those with specified medical need for the continual administration of oxygen is subsidised in Home Care Packages (rather than short-term or emergency)
  4. Enteral Feeding Supplements: For those who require enteral feeding (tube feeding). The application process, completed by the care provider, must detail:
    • Confirmation of the need for enteral feeding, with approved certification by a medical professional
    • That the dietary formula is nutritionally complete, with written consent from a medical professional or dietician
    • Specific details of the individual’s feeding requirements
    • Note that funding will not be approved for intermittent or supplementary enteral feeding given in addition to oral feeding.
  5. Viability Supplement: Paid to providers on behalf of home care recipients in rural and remote areas. It recognises the higher costs of delivering care and services in these areas.
  6. Hardship Supplement: For those experiencing financial hardship who are struggling to afford the costs of aged care due to circumstances beyond their control, this supplement may cover fees for Home Care Packages and requires an assessment of finances.
  7. CAPS funding: the Continence Aids Payment Scheme is a yearly payment designed to cover the costs associated with managing incontinence. Eligibility is for those with severe or permanent incontinence, who will need to fill out a CAPS application form.
  8. Veterans’ Supplement: similar to the Dementia and Cognition Supplement, an additional 11.5% is available for Home Care Packages funding. Note that in the case of a veteran qualifying for both supplements, only the Veteran’s Supplement shall be provided.
What is the cost?

Your financial situation won’t affect your eligibility for Home Care Packages, but you will need a financial assessment to work out how much you may be asked to contribute. If you can afford it, it’s expected that you contribute to the cost of your care. Home Care Packages are worthwhile and generous in subsidy but require your contribution, made up of three types of fees:

  1. Basic daily fee: up to $10.63. Providers may ask for a basic daily fee based on the tier of home care packages.
  2. Income-tested care fee: up to $30.49. Some people may also have to pay this, determined through a formal income assessment. Good news is: there are annual and lifetime limits on how much you can be asked to pay.
  3. Additional fees: Includes any other amount agreed upon for extra care and services not otherwise covered by Home Care Packages, detailed on the My Aged Care portal.
 

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