November 10, 2024
Home Care Packages: A Guide for Older Australians
What is a Home Care Package?
A Home Care Package is an Australian Government-funded program to support older individuals with complex care needs. If you are assigned a Home Care Package, the government will use this funding to subsidise an aged care provider for services you receive at home.
It's important to note that the funds are not given directly to you; instead, they are managed by your provider to coordinate and deliver the necessary services. It is also possible you will need to make a contribution to your care through a basic daily fee and, if applicable, an income-tested care fee.
How much funding do I get under a Home Care Package?
The amount of funding you receive under a Home Care Package will range between $10,588.65 and $61,440.45 per year, depending on the level of Home Care Package assigned to you [1].
Level 1 Home Care Package: Basic Care Needs
The annual funding for Level 1 is approximately $10,588.65, which translates to around 2 to 3 hours of care per week, depending on service costs and provider fees. This level is designed for individuals requiring minimal assistance with daily activities, such as occasional help with cleaning or meal preparation.
Level 2 Home Care Package: Low-Level Care Needs
The annual funding for Level 2 is approximately $18,622.30, providing about 3 to 5 hours of care per week, influenced by service costs and provider fees. This level caters to those needing more regular support, including assistance with personal care, domestic tasks, and basic health services.
Level 3 Home Care Package: Intermediate Care Needs
The annual funding for this level is approximately $40,529.60, equating to around 8 to 10 hours of care per week, subject to service costs and provider fees. Level 3 is intended for individuals requiring substantial support, such as frequent personal care, nursing services, and assistance with mobility.
Level 4 Home Care Package: High-Level Care Needs
The annual funding for Level 4 is approximately $61,440.45, offering about 14 to 15 hours of care per week, depending on service costs and provider fees. This highest level is for those with complex care requirements, including intensive personal care, comprehensive nursing, and specialised health services.
The below table outlines a summary of the four Home Care Packages. The actual number of care hours available can vary based on the specific services required, provider fee structures, and any additional personal contributions.
Home Care Package Eligibility
Eligibility for a Home Care Package is determined through a MyAgedCare Assessment. Individuals who need support with daily tasks, have been diagnosed with a medical condition, have recently been hospitalised, or have experienced a change in family caregiving circumstances may qualify for a Home Care Package.
In general, to access a Home Care Package you must be an older adult requiring coordinated services to continue living safely at home. Typically, this means being 65 years or older, or 50 years or older if you are Aboriginal or Torres Strait Islander. Individuals younger than 65 may also qualify if they live with dementia, a disability, or other care needs that aren’t fully addressed by other specialist services.
Eligibility is not impacted by citizenship, residency status or financial circumstances. However, you may need to complete an income assessment through Services Australia to determine the level of financial contribution you need to make to services purchased through your Home Care Package.
How do I get a Home Care Package?
To access a Home Care Package, individuals must undergo a MyAgedCare Assessment undertaken by an Aged Care Assessment Service. This assessment will determine eligibility and the appropriate level of Home Care Package. Once approved, recipients can select an approved service provider to coordinate and deliver the necessary services.
To be assessed for a Home Care Package in Australia, follow these steps:
Step 1: Contact My Aged Care
Reach out to My Aged Care by calling 1800 200 422 or visiting their website at myagedcare.gov.au. They will gather information about your current situation and care needs.
Step 2: Referral for Assessment
Based on the initial discussion, My Aged Care may refer you for a comprehensive assessment conducted by an Aged Care Assessment Team (ACAT) . This assessment determines your eligibility for a Home Care Package and identifies the appropriate level of care.
Step 3: Undergo the ACAT Assessment
An ACAT assessor will arrange a meeting, typically at your home, to evaluate your health, daily activities, and specific care requirements. They will also discuss your preferences and goals to tailor the support to your needs.
Step 4: Receive Assessment Outcome
After the assessment, the ACAT will inform you of the outcome in writing, detailing your eligibility and the approved level of Home Care Package. If approved, you'll be placed in the National Priority System to await package assignment [2].
Step 5: Choose a Service Provider
Once assigned a package, you will need to select an approved Home Care Package provider to coordinate and deliver your services. You have 56 days from the date of your assignment letter to enter into a Home Care Agreement with your chosen provider. If more time is needed, you can request an extension of 28 days.
What can I spend my Aged Care Package on?
The Home Care Package program is designed to be flexible, and funding can be used on a range of services like personal care, clinical support, household assistance and social activities. It's important to understand Home Care Package inclusions and exclusions, which we've outlined in more detail below.
Personal Care and Support for Daily Activities
Personal care services offer assistance with essential daily tasks, like bathing, dressing, grooming and going to the toilet. These services support a person to live comfortably at home, with dignity.
Clinical Support: Nursing, Physiotherapy, and Allied Health Services
Clinical support provides a variety of healthcare services to manage the ongoing health needs of an older person. Nursing care includes things like wound management and medication support, while physiotherapy and podiatry may help a person improve their mobility and prevent falls. Allied health services, such as speech pathology and dietitian consultations can also be funded through a person’s Home Care Package.
Household Assistance: Cleaning, Meal Preparation and Gardening
Household assistance includes support for routine domestic tasks that are adjacent to a person’s personal or clinical needs. This covers general cleaning, laundry, meal planning and preparation, and basic gardening to keep the home environment safe and accessible.
Home Modifications and Mobility Aids for Safety
Home modifications and mobility aids include things like grab rails, widening doorways, wheelchairs, crutches, and walkers. These modifications and aids can make it easier for a person to navigate their own home, and retain their independence.
Social Support and Community Activities
Social support services help seniors stay connected through in-home visits, companionship for appointments, and transport to social events. Additional assistance includes setting up phone or internet connections and arranging group activities to maintain social engagement.
Transport
Transportation for things like shopping, healthcare visits, and social activities can be funded by your Home Care Package. This is often done by arranging a driver or offering transport vouchers.
Assistive Technology and Emergency Response Alarms
An Aged Care Package can also fund assistive technology, such as personal alarms and emergency response systems. These technologies provide peace of mind by ensuring immediate access to help, helping older adults feel more secure in their own homes.
Types of Emergency and Personal Alarms Covered
Personal alarms covered by Home Care Packages include both in-home and mobile options. In-home alarms like the Umps Link connect within the residence and don’t require charging, while mobile alarms often come in the form of a personal alarm watch, and allow users to request help even when outside.
Excluded Costs: What Home Care Packages Do Not Cover
Home Care Packages are designed to support ageing-related care needs and do not cover living expenses or services available through other government programs. Excluded costs include:
- Everyday living expenses: Costs for rent or mortgage payments, utilities, groceries, and personal entertainment are not covered.
- Medications and general medical services: Any medical costs already supported by Medicare or the Pharmaceutical Benefits Scheme, including prescription and over-the-counter medications, are excluded.
- Non-care-related home modifications: Major renovations or changes that don’t directly address specific care needs fall outside of the package’s scope.
- Holiday and travel expenses: Costs for personal travel, holiday accommodations, or leisure-related trips are not included.
- Services funded by other government programs: Assistance provided by other programs, such as the National Disability Insurance Scheme or Department of Veterans' Affairs, is excluded.
How Long Does it Take to Get a Home Care Package?
After completing an assessment and receiving approval for a Home Care Package (HCP) in Australia, the time it takes to be assigned a package depends on your eligibility level and the urgency of your needs. As of 30 September 2024, the estimated wait times for individuals with medium priority are:
- Level 1: 1–3 months
- Level 2: 3–6 months
- Level 3: 9–12 months
- Level 4: 12–15 months
These wait times may vary based on factors such as demand, resource availability, and individual circumstances. For a personalised estimate, you can check your My Aged Care Online Account or contact My Aged Care directly.
Prioritisation for Home Care Packages
If you are at immediate risk of entering residential care or there are risks to your personal safety at home, an ACAT Assessor may deem you as High Priority for receipt of a home care package. This may shorten your wait time for a Home Care Package. However, there are only a limited number of High Priority Places available, and wait times still depend on how many other people have been assigned High Priority.
What to do once you’ve been assigned a Home Care Package
Once you've been assigned a Home Care Package, My Aged Care will send you a letter confirming your package level and providing a unique referral code. This code allows providers to access your assessment details and support plan.
You have 56 days from the date of your assignment letter to enter into a Home Care Agreement with your chosen provider. If more time is needed, you can request a 28-day extension by contacting My Aged Care.
Choosing the Right Home Care Package Provider
Once you’ve received your Assignment Letter, you’ll have 56 days to select a Home Care Provider. While this may seem like a short amount of time, there are a few steps you can go through to make this a more achievable task.
Step 1: Consider your specific care needs
Start by considering where you need the most support, and which services you require. You don’t need to have the complete picture of this yet, but understanding your priorities will help assess different home care providers.
Step 2: Use MyAgedCare to Find a Provider
The MyAgedCare Website has a helpful tool that allows you to search for and compare home care package providers in your area. In addition to a summary of service offerings, you can also find information about any fees, charges and service prices through the MyAgedCare Portal. Importantly, the tool will enable you to compare up to three providers at a time.
Step 3: Meet with Home Care Package Providers
After you’ve identified your preferred Home Care Providers, you may want to arrange meetings with your top choices to discuss your needs in detail. You can use this time to assess their responsiveness, flexibility, and approach to personalised care.
Step 4: Gather Recommendations from Family and Healthcare Professionals
If you have a family member or friend, it can be helpful to get their insight and recommendation. Your GP or another healthcare professional might also have Home Care Providers they work with, so may be able to provide you with recommendations.
Step 5: Review and Finalise Your Home Care Service Agreement
Once you’ve chosen a home care provider, they will provide you with a Home Care Agreement. This agreement will cover what services will be provided, when they will be provided, who will provide them and how much they will cost. This agreement is a contract, so it’s important you read it and understand it carefully.
External Support Services - Aged Care Advocates
Service providers are obligated to present agreements in clear, plain language and ensure clients comprehend all aspects before signing. However, if you need further support, you request an advocate to assist you in this process. An advocate can be a friend or family member, but organisations like the Older Persons Advocacy Network (OPAN) also provide free advocacy services.
Aged Care Specialisations
Some home care providers also offer specialised care tailored to meet people’s specific needs [3]. These are verified through the My Aged Care Provider Specialisation Verification Framework, and include specialisations for:
- Aboriginal and Torres Strait Islander Peoples: Culturally sensitive care that respects Indigenous traditions, community connections, and values.
- People from Culturally and Linguistically Diverse (CALD) Backgrounds: Services honouring linguistic and cultural diversity, often with multilingual staff and cross-cultural training.
- Financially or Socially Disadvantaged Individuals: Accessible support aimed at reducing barriers and providing essential care to those facing financial or social hardships.
- Veterans: Specialised support recognizing the unique physical and emotional needs of Veterans, often in partnership with veteran networks.
- People Who Are Homeless or at Risk of Homelessness: Compassionate care focusing on stability and connection to additional housing services.
- Care Leavers: Support for those who spent time in care as children, with an understanding of their unique emotional and social needs.
- Parents Separated from Children by Forced Adoption or Removal: Trauma-informed care to support emotional well-being for those affected by past separation.
- LGBTI Individuals: Inclusive, affirming care that respects diverse identities and relationships.
- People in Rural or Remote Areas: Care designed for people in remote locations, providing reliable and accessible support despite geographic challenges.
Home Care Package Fees and Charges
When receiving a Home Care Package in Australia, you may need to pay a Basic Daily Fee, an Income-Tested Care Fee (based on your income), and fees for Care Management and Package Management services [4]. Below is a breakdown of each type of fee to help you understand your financial obligations when selecting a provider.
Basic Daily Fee and Income-Tested Care Fee
Basic Daily Fee
The Basic Daily Fee is a standard contribution that providers may ask recipients to pay. This amount varies depending on your package level and is set by the government. As of 20 September 2024, the fees are:
- Level 1: $11.72 per day
- Level 2: $12.40 per day
- Level 3: $12.75 per day
- Level 4: $13.08 per day
Not all providers charge this fee, so confirm with your chosen provider to understand your exact costs.
Income-Tested Care Fee
The Income-Tested Care Fee is an additional fee based on your income, assessed by Services Australia. If you are a full pensioner or have an income of less than $33,735, you won’t pay this fee. For higher-income individuals, the fees are as follows:
- Incomes over $33,735.00: Up to $18.77 per day
- Incomes over $65,020.80: Between $18.77 and $37.55 per day
Annual and lifetime caps apply to the Income-Tested Care Fee, limiting the total amount payable. The My Aged Care website has a fee estimator that will help you estimate the fees you will pay based on your specific circumstances.
Care Management and Package Management Costs
Care Management Fees
Care Management fees are capped at 20% of your Home Care Package level. These fees cover services including regular assessments of your care needs, coordination of services, and managing health risks. Care Management also ensures your services are culturally appropriate and safe. Providers are required to offer care management to all recipients, even those who choose to self-manage their packages.
Package Management Fees
Package Management fees are capped at 15% of your Home Care Package level. Package Management covers the administrative tasks associated with delivering your Home Care Package, such as budget management, scheduling, invoicing, and compliance with regulatory requirements.
Frequently Asked Questions (FAQs) on Home Care Packages
What can I spend my Home Care Package on?
You can use your Home Care Package to cover personal care, home assistance, healthcare services, social activities, and certain home modifications to support independent living. Exclusions apply to general living costs, non-care-related modifications, and medical expenses already covered by other programs.
What is a Home Care Package?
A Home Care Package is a government-subsidized program providing elderly Australians with funds for in-home care services to support their independence. The funds are managed by an approved provider based on your care needs.
How do I get a Home Care Package?
To receive a Home Care Package, contact My Aged Care to arrange an assessment. If eligible, you’ll be placed on a waitlist and notified when your package is assigned.
Who is eligible for a Home Care Package?
Australians aged 65 and over, or 50 and over for Aboriginal and Torres Strait Islanders, may qualify if they need help to live safely at home. People under 65 with special care needs may also be eligible.
How much funding does a Home Care Package provide?
Funding varies from $10,588.65 to $61,440.45 per year, depending on your care level. Your provider can help allocate funds based on the services you need.
What are the different levels of Home Care Packages?
There are four levels: Level 1 (basic care), Level 2 (low care), Level 3 (intermediate care), and Level 4 (high care). Each level provides progressively more funding and support hours.
Are there out-of-pocket costs for a Home Care Package?
Yes, some fees may apply, including a Basic Daily Fee and an Income-Tested Care Fee. These costs depend on your provider and personal income level.
Can I use my Home Care Package for personal alarms?
Yes, many Home Care Packages cover personal alarms and assistive technology that enhance safety and independence at home. Speak with your provider to add this to your care plan.
What services are excluded from a Home Care Package?
Excluded services include rent, mortgage, utilities, groceries, general medical costs, and any services provided by other government programs like Medicare.
How long does it take to get a Home Care Package?
Wait times depend on care level and priority, typically ranging from a few months for Level 1 to over a year for Level 4. Contact My Aged Care for an updated estimate.
Can I change my Home Care Package provider?
Yes, you can switch providers if needed. Review any exit fees with your current provider and explore new options that fit your needs.
What should I look for in a Home Care Package provider?
When choosing a provider, consider your specific care needs, service offerings, fee structures, and reputation. Feedback from family and healthcare providers can also help.
What if my care needs change over time?
If your needs change, request a reassessment to adjust your care plan and possibly move to a higher package level. This can help ensure you get the support you require.
What other government funding options are available for personal alarms?
If you aren’t eligible for a Home Care Package, you may still be able to access a personal alarm under geat2GO. If you’re under the age of 65 and receive services under the NDIS, you can also use NDIS funding to pay for your personal alarm.
Are emergency response alarms covered in Home Care Packages?
Yes, emergency response alarms, such as personal and mobile alarms, are covered to ensure quick access to help in case of an emergency.
Can I self-manage my Home Care Package?
Yes, you may self-manage your package with certain requirements, like Care Management, still provided by law. Talk to your provider to explore this option.
[1] https://www.myagedcare.gov.au/help-at-home/home-care-packages
[2] https://www.myagedcare.gov.au/assessment-outcome-home-care-packages
[3] https://www.myagedcare.gov.au/understanding-specialisations-and-verification
[4] https://www.myagedcare.gov.au/home-care-package-costs-and-fees#what-makes-up-hcp-budget
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