Home Care Services
Most people want to retire in their own home, and in fact that is what currently happens in practice. Many people make the assumption that most seniors end up in aged care, while in fact only about a 26% of the people aged over 85 are in aged care - the majority remain in their own homes or retirement village units.
In the absence of medical issues such as dementia it is the overwhelming preference of senior Australians that they remain in their own home and it just happens to be the most economic way of managing an ageing population. The only thing currently lacking is a mechanism which makes it more attractive for individuals and couples to move into smaller premises - that is both a market failure and a consequence of the main residence exemption under the pension's asset test.
To support seniors living independently in their own home Government support services are available at both the Federal and State level and we focus on the former in this website.
As with entrance into an aged care home, the gateway to obtaining support at home - from minor maintenance around the house, to assistance with equipment like walking frames and in-home nursing care - is the completion of an assessment carried out by an Aged Care Assessment Team (ACAT). If the ACAT assessment supports the need for in-home care then they can assess you as eligible for either a low care (Level 1 or 2 package) or high-level care (Level 3 or 4 package).
There are 4 levels of Home Care Packages:
- Level 1 supports people with basic care needs
- Level 2 supports people with low-level care needs
- Level 3 supports people with intermediate care needs
- Level 4 supports people with high-level care needs.
Each of these packages is funded at different amounts paid by the Australian Government to the service provider that delivers your care and services.