Getting Into Aged Care: What You Need Before You Start
If you’re wondering how to get into aged care in Australia, the process can feel overwhelming. Before entering a home, you must complete an ACAT assessment and apply for government funding. This guide explains the steps clearly so you know exactly what to do.
Before You Choose an Aged Care Home…
Many families don’t realise that you need approval before you can move into a government-funded aged care home. This includes both an eligibility assessment and a financial assessment. Skipping this can lead to delays, rejections, or large out-of-pocket costs. Follow these steps to see how to get into aged care in Australia.
What Type of Care Are You Looking For?
Residential Aged Care
Government-funded long-term care for older Australians who need daily support. Requires ACAT assessment and financial means test.
Respite Care
Short-term care (up to 63 days/year), often for carers needing a break. Requires ACAT approval but funding is simpler.
Retirement Village
Independent living for seniors. No funding, no assessments, and no aged care services – this is a private lifestyle option.
The Aged Care Entry Process in Australia
If you’re planning to enter a subsidised aged care home, here are the essential steps to follow:
- 1. Book a free ACAT/ACAS assessment
- 2. Complete a Centrelink Means Assessment
- 3. Research suitable aged care homes
- 4. Receive offers and choose a placement
- 5. Sign the agreement and move in
What Will You Pay?
Costs can vary widely depending on your financial situation, your assets, and the type of care you require. It’s important to understand these fees before making any decisions, as they can have a long-term impact on your finances. In Australia, the most common aged care fees include:
Basic Daily Fee – a standard fee that everyone pays, set at 85% of the single Age Pension.
Means-Tested Care Fee – an additional amount based on your income and assets.
Accommodation Costs – either a Refundable Accommodation Deposit (RAD), which is a lump sum, or a Daily Accommodation Payment (DAP), which is like rent.
Additional Service Fees – charged by some homes for extras such as better meals, private rooms, or lifestyle activities.
Without the right assessments, you could end up paying more than necessary. That’s why understanding how to get into aged care in Australia, and getting the correct funding approvals, is essential.
Without a means test, you may have to pay full fees
Many families are shocked when they discover the real price of aged care. Without the correct assessments in place, you may be asked to pay the full cost of care and accommodation, which can mean hundreds of dollars each day or even a six-figure lump sum. These costs are avoidable if you take the right steps early.
By completing both the ACAT/ACAS assessment and the Centrelink Means Test, you’ll know exactly what portion of the fees will be covered by the government and what contribution will be expected from you. This prevents last-minute surprises and allows you to budget with confidence.
ApplyWise can guide you through the paperwork, explain each fee in plain English, and show you step-by-step how to get into aged care in Australia without financial stress.
| Care Type | Government Funded? | ACAT Required? | Centrelink Means Test? | Typical Costs |
|---|---|---|---|---|
| Aged Care Home | ✅ Yes | ✅ Yes | ✅ Yes | Basic Daily Fee, Means-Tested Care Fee, RAD or DAP |
| Respite Care | ✅ Yes, up to 63 days per year | ✅ Yes | ❌ Not usually | Basic Daily Fee |
| Retirement Village | ❌ No | ❌ No | ❌ No | Entry contribution or lease, monthly fees, exit costs |
*Retirement villages are independent living communities, not part of the government funded aged care system.
Need Help With the Process?
We guide you through the aged care system, from understanding your eligibility to securing funding and finding the right home. We can show you how to get into aged care in Australia.
FAQ
Without the right guidance, aged care entry can feel overwhelming
With ApplyWise, the process becomes simple and stress-free.
Still Confused About What You Need?
Book a free 15-minute consultation. We’ll help you understand your options – no pressure, just plain advice on how to get into aged care in Australia.
Understanding how to get into aged care in Australia can feel overwhelming, but the right guidance makes all the difference. ApplyWise is here to simplify each step so you can move forward with clarity and confidence.
For NDIS participants, visit our sister site www.guideability.com.au