Frequently Asked Questions
Find answers to the most common questions about aged care in Australia. Our comprehensive FAQ covers everything from assessments and costs to choosing facilities and understanding your rights.
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What is an aged care assessment and do I need one?
An aged care assessment (ACAT assessment) is required to access government-subsidized aged care services. It determines your eligibility and what level of care you need. You can apply through My Aged Care (1800 200 422 or myagedcare.gov.au). The assessment is free and conducted by qualified assessors who evaluate your physical, medical, psychological, and social needs.
How much does aged care cost?
Aged care costs vary depending on your financial situation and the facility. There are three main fees: 1) Basic Daily Fee (around $426/week, paid by everyone), 2) Means-Tested Care Fee (based on income and assets, varies), and 3) Accommodation Payment (RAD lump sum or DAP daily payment, typically $300,000-$1,500,000). Use our cost calculator to estimate your specific costs.
Do I have to sell my home to enter aged care?
No, you don't have to sell your home. However, your home is included in the asset test for means-tested fees (with some exemptions). You can keep your home and pay DAP (daily accommodation payment) instead of RAD (refundable accommodation deposit), rent your home to help cover costs, or sell it and use the proceeds for a RAD if you prefer.
What is the difference between RAD and DAP?
RAD (Refundable Accommodation Deposit) is a lump sum payment made upfront (typically $300,000-$1,500,000) that is fully refundable when you leave. DAP (Daily Accommodation Payment) is a daily payment instead of a lump sum, calculated as an interest rate (currently 8.15% per annum) on the RAD amount. You can also pay a combination of both. RAD means no ongoing accommodation payments, while DAP keeps your capital available.
How do I choose the right aged care facility?
Choosing the right facility involves: 1) Understanding care needs, 2) Considering location (proximity to family, medical facilities), 3) Researching facilities (reviews, accreditation), 4) Visiting facilities in person (multiple times, different times of day), 5) Asking questions about care, costs, and daily life, 6) Evaluating the physical environment and safety, 7) Assessing staff quality and attitude, 8) Reviewing food and nutrition, 9) Understanding all costs, and 10) Checking references and reviews. See our complete guide for detailed information.
What is the difference between home care and residential care?
Home care provides services in your own home (personal care, domestic assistance, nursing). Residential care means moving into an aged care facility with 24/7 professional care. Home care allows you to stay independent at home, while residential care provides comprehensive support in a facility. Costs, care levels, and lifestyle differ significantly. Our guide compares both options in detail.
Can I get respite care?
Yes, respite care provides temporary care to give family caregivers a break. It can be provided at home or in a facility, for a few hours, days, or weeks. You need an ACAT assessment to access government-subsidized respite care. There are limits on how much subsidized respite care you can receive per year, but it's designed to support both seniors and their caregivers.
What happens if my care needs increase?
If your care needs increase, the facility should reassess your care plan. Most facilities can accommodate increasing care needs, but if they cannot, you may need to move to a facility that provides higher levels of care. Your means-tested fee may also increase if your financial assessment changes. It's important to discuss care needs with facility staff regularly.
Are there waiting lists for aged care facilities?
Yes, many facilities have waiting lists, especially popular ones or those in high-demand areas. Wait times vary from weeks to months or even longer. It's advisable to get on multiple waiting lists if possible. Some facilities have immediate availability, while others may have waitlists of 6-12 months or more. Contact facilities directly to check availability and waitlist times.
What is included in the basic daily fee?
The basic daily fee (currently around $426/week) covers: daily living costs (meals, utilities, cleaning), basic care services, facility maintenance, and administrative costs. It does NOT cover: means-tested care fees, accommodation payments (RAD/DAP), extra service fees, or additional optional services like hairdressing, podiatry, or special dietary requirements.
Can I bring my own furniture to an aged care facility?
Most facilities allow you to bring personal furniture and belongings to make your room feel like home. However, there are usually space limitations and safety requirements. Facilities may have restrictions on large furniture or items that don't meet safety standards. It's best to discuss this with the facility before moving in to understand their specific policies.
What is dementia care and when is it needed?
Dementia care is specialized care for people with dementia, Alzheimer's disease, or other cognitive conditions. It includes secure environments, specialized staff training, memory support programs, and family support services. Dementia care is needed when someone has significant cognitive impairment that affects their safety, daily functioning, or requires specialized support that general aged care cannot provide.
How often can family visit?
Most facilities have flexible visiting hours, typically during daytime and early evening. Some facilities allow 24/7 visiting access, while others may have more restricted hours. During COVID-19, visiting policies were more restricted, but most facilities have returned to more flexible arrangements. It's important to ask about visiting policies when choosing a facility.
What if I'm not happy with the care I'm receiving?
If you're not happy with your care, you should: 1) Speak with facility management about your concerns, 2) Contact the Aged Care Quality and Safety Commission to make a complaint, 3) Seek support from an aged care advocate, 4) Consider moving to a different facility if issues cannot be resolved. You have rights as a resident, and facilities must address legitimate concerns.
Can I leave an aged care facility if I want to?
Yes, you can leave an aged care facility at any time. You need to give notice (typically 7-14 days, check your agreement). Your RAD (if paid) will be refunded within 14 days, minus any outstanding fees. If you're receiving government-subsidized care, you may need to notify My Aged Care. Make sure you have alternative care arrangements in place before leaving.
What support is available for veterans?
Veterans may be eligible for additional support through the Department of Veterans' Affairs (DVA), including: War Widow/Widower Pension, Service Pension, Disability Pension, and special assistance for accommodation payments. DVA may cover some or all accommodation costs for eligible veterans. Contact DVA to understand your specific entitlements.
How long does it take to get an ACAT assessment?
ACAT assessment wait times vary by region and demand, typically ranging from 2-8 weeks. Priority is given to people in hospital or with urgent care needs. You can contact My Aged Care to check current wait times in your area. Emergency assessments may be available for urgent situations.
What is the difference between low care and high care?
Low care (also called hostel care) is for relatively independent seniors who need minimal assistance with daily activities. High care (nursing home care) is for seniors who need significant assistance, have complex medical needs, or require regular nursing care. The ACAT assessment determines which level of care you need.
Can I visit facilities before making a decision?
Yes, and you should! Most facilities welcome visits and encourage you to tour the facility, meet staff, and see residents. Visit multiple times, at different times of day, and ask lots of questions. Some facilities also offer trial stays or respite care so you can experience what it's like before committing.
What happens if I run out of money?
If your financial circumstances change and you can no longer afford fees, contact Centrelink for a reassessment. Your means-tested fees will be adjusted. If you can't afford accommodation payments, you may be eligible for government assistance. Facilities cannot ask you to leave solely because of financial hardship - they must work with you to find solutions.
Are there age restrictions for aged care?
Generally, you must be 65 years or older (or 50+ for Aboriginal and Torres Strait Islander people) to access government-subsidized aged care. However, younger people with disabilities or specific conditions may also be eligible. There's no upper age limit.
What is a Home Care Package and how do I get one?
A Home Care Package provides coordinated care services in your own home. There are 4 levels (1-4) based on care needs. To get one, you need an ACAT assessment showing you're eligible. You'll then be placed on a national queue and allocated a package when one becomes available. Wait times vary by level and location.
Can I have a pet in aged care?
Policies vary by facility. Some facilities allow small pets, while others don't allow any. Some have shared pets (like facility cats or dogs) that all residents can enjoy. If having a pet is important to you, ask about pet policies when visiting facilities. Home care allows you to keep your pets.
What rights do I have as an aged care resident?
You have extensive rights including: the right to be treated with dignity and respect, the right to make decisions about your care, the right to privacy, the right to complain without fear of retribution, the right to have visitors, the right to access advocacy services, and the right to leave the facility. These are protected by the Aged Care Act.
How do I make a complaint about aged care?
You can make a complaint to: 1) The facility directly (they must have a complaints process), 2) The Aged Care Quality and Safety Commission (1800 951 822), 3) An aged care advocate (free, independent support), or 4) My Aged Care. Complaints are taken seriously and facilities must address them. You cannot be penalized for making a complaint.
What is the difference between RAD and DAP?
RAD (Refundable Accommodation Deposit) is a lump sum payment (typically $300K-$1.5M) that's fully refundable when you leave. DAP (Daily Accommodation Payment) is a daily payment instead of a lump sum, calculated as interest (currently 8.15% p.a.) on the RAD amount. You can pay a combination of both. RAD means no ongoing accommodation payments; DAP keeps your capital available.
Can I change my mind after entering a facility?
Yes, you can leave an aged care facility at any time. You typically need to give 7-14 days notice (check your agreement). Your RAD (if paid) will be refunded within 14 days, minus any outstanding fees. Make sure you have alternative care arrangements in place before leaving.
What is included in the basic daily fee?
The basic daily fee (currently ~$426/week) covers: all meals and snacks, utilities (electricity, water, heating), cleaning and maintenance of your room and common areas, basic care services, facility administration, and basic activities. It does NOT cover: means-tested fees, accommodation payments, extra services, or optional services like hairdressing.
How do I know if a facility is good quality?
Check: 1) Accreditation status (must be accredited), 2) Quality and safety reports on the Aged Care Quality and Safety Commission website, 3) Online reviews from families and residents, 4) Staff-to-resident ratios, 5) Recent inspection results, 6) Complaint history, and 7) Visit in person multiple times to observe care quality, cleanliness, and resident wellbeing.
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