Aged Care Planning

 

“Carry out a random act of kindness, with no expectation of reward,
safe in the knowledge that one day, someone might do the same for you.”
Princess Diana

 

Aged Care – with the right help it doesn’t have to be complex


Sadly, the vast majority of people go into aged care with no plan and usually completely unprepared.

This is often due to the fact that they might have a fall or other medical trauma and have undergone an Aged Care Assessment, often in a hospital and they are not allowed to return home due to health issues and inability to be independent.

As difficult as this change often is, our government has not been of much assistance, as it created a real nightmare of complexity that requires one to have a law degree to understand legal documents, fees structure and what can or cannot be negotiated.

Entering into aged care is costly and any decisions should be made after receiving suitable advice. Unfortunately most families will ask for assistance after placing their family member into care, which in most cases is too late.

Currently an Australian Government-subsidised Aged Care home has four main types of charges:

Basic daily fee
This fee covers daily living costs. For some people this would be the only fee that they are required to pay.

Means-tested fee
An additional fee that some people are required to pay and calculated by the Department of Human Services (Centrelink) based on your income and asset assessment.

Accommodation fees
Some people will have their accommodation costs met in full by the government, others will need to pay the agreed accommodation fee.

Fees for extra and additional services (optional)
Additional fees that could be payable for a higher standard of accommodation or additional services requested.


So to ensure the best financial outcome, please contact me prior to undergoing an Income and Asset Assessment and before speaking to any Age Care facilities and disclosing your financial details.

Home provided services

Most people however prefer to stay in their own family home, but may require some help with daily tasks. Home services available are:

  • small home maintenance
  • meals (service that will prepare and deliver meals to your home e.g. Meals on Wheels)
  • domestic help (cleaning, shopping, dishwashing, ironing)
  • personal care (assistance with eating, bathing, grooming, dressing)
  • transport (assistance to move around to medical appointments, community engagements)
  • and many others.

Commonwealth Home Support Programme or Home Care Packages could be helpful and allow postponing entering the Age Care facility.

Eligibility is being assessed by an Aged Care Assessment Team.

There is a cost involved for such assistance; therefore advice can be beneficial in order to understand options available.

 

Call me for a chat and remember the first appointment is on me