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Free no more! Why everyday aged care support could now drain your savings

Maan
By Maan
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Health & Wellness

Free no more! Why everyday aged care support could now drain your savings

  • Maan
  • By Maan
1758503567273.png Free no more! Why everyday aged care support could now drain your savings
Aged care reforms leave families facing hard choices. Image source: Pexels/Pixabay | Disclaimer: This is a stock image used for illustrative purposes only and does not depict the actual person, item, or event described.

When Doug Taylor applied for aged care support, he found himself walking into a system his wife Eileen would barely recognise.



What had once been a safety net offering comfort and stability had shifted into a new reality of fees, forms, and difficult choices.



For many older Australians, this was not just a change in paperwork—it was the beginning of an uncertain new era.




On 1 November 2025, Australia is set to launch the Support at Home program, replacing the long-standing Home Care Packages system.



This overhaul represented the most dramatic shift in aged care since Medicare was introduced, fundamentally altering how millions of Australians accessed and paid for essential support.



The program arrived with the backing of the Aged Care Act 2024, passed by Parliament in November 2024.



The changes were not minor adjustments—they marked a complete restructuring of how aged care operated, touching every corner of the system.



In this article


What the new system covers



Under this new framework, the government committed to fully funding clinical care such as nursing, physiotherapy, and medical services.



But all non-clinical services—personal care, domestic help, and day-to-day support—would now involve co-payments from older Australians themselves.



That meant basic needs like showering assistance, help with medication, cleaning, cooking, and laundry came with price tags attached.




'A shower is essential hygienic care. To ask people to choose between that and food is really an obscenity.'

Beverly Baker, Older Women's Network




The cost of everyday care



The numbers were striking.



Providers set their prices at around $100 per hour for personal care and $95 per hour for domestic assistance.



Depending on their income and assets, Australians were expected to contribute between 5 and 50 per cent for personal care, and 17.5 to 80 per cent for domestic services.



For some, that meant paying $50 per hour for a shower and up to $75 per hour for cooking or cleaning.




Protected vs unprotected Australians



This created a sharp divide between those who were protected and those who were not.




Anyone already receiving a Home Care Package, on the National Priority System (waitlist), or assessed as eligible for a package on or before 12 September 2024 was safeguarded by the ‘No Worse Off Principle’.




They would not pay more than under the old system.




But new applicants—including Doug Taylor—were left to face the full impact of the co-payment model.




With around 130,000 Australians still waiting for home care packages, a large portion of the population was about to cross into this new financial reality.







Who's Protected vs Who Pays More




Protected from increased costs: Current Home Care Package recipients, those on the waitlist, or assessed as eligible on or before 12 September 2024—they will make the same or lower contributions under Support at Home




Subject to new co-payments: Anyone approved after 12 September 2024—including new applicants and those on the waitlist not yet approved—future aged care recipients







The push to apply early



Aged care advocates responded with urgency, urging eligible Australians to apply for support before the cut-off.



For those who waited, the difference could be thousands of dollars each year.



Pricing without limits—for now



For the first eight months of the program, providers continued to set their own prices.



Government-imposed price caps were not scheduled until 1 July 2026.



This decision was made after providers argued that immediate caps threatened their viability, but it left consumers exposed to high costs during the transition period.



How the co-payments work



The co-payment system operated on a sliding scale.




Personal care: showers and medication assistance



  • Full pensioners: 5 to 17.5 per cent of provider fees

  • Part-pensioners: 17.5 to 35 per cent of provider fees

  • Self-funded retirees: 35 to 50 per cent of provider fees





Domestic assistance: cleaning, cooking, and laundry



  • Full pensioners: 17.5 to 35 per cent of provider fees

  • Part-pensioners: 35 to 65 per cent of provider fees

  • Self-funded retirees: 65 to 80 per cent of provider fees




These figures revealed a fundamental shift: the higher an individual’s means, the more they were expected to pay, though even the lowest-income Australians were no longer shielded from fees.




The watchdog’s warning



The strongest criticism came from within the government itself.



Natalie Siegel-Brown, the Inspector-General of Aged Care, warned that the model contradicted the Royal Commission’s recommendations.




'I believe that it will prejudice those with the lowest income in our society—and that has costs to human rights, fairness and equity.'

Natalie Siegel-Brown, Inspector-General of Aged Care



She cautioned that by funding only clinical care while leaving non-clinical services subject to co-payments, the system risked leaving the most vulnerable with the lowest levels of support.



This ran contrary to the 2021 Royal Commission into Aged Care Quality and Safety, which had recommended a needs-based model.



The Royal Commission argued that support should depend on care requirements, not financial capacity.




What it means for families



For older Australians and their families, the reality of the transition depended on their status.



Current Home Care Recipients remained protected.



Their providers would contact them about new agreements, but their fees would not increase.



Those on waiting lists faced uncertainty.



If they secured approval before 1 November, they retained protections.



If not, they would join the co-payment system.



With average wait times of 9 to 12 months for assessment and up to another year for services, many would not make it through in time.



Future applicants were entirely under the new regime.



The message from advocates was clear—apply as early as possible.



Family members also needed to understand the urgency.



The difference between applying in October and applying in November could be tens of thousands of dollars across a loved one’s care.




Action Steps Before 1 November 2025



  • Apply for aged care assessment immediately if eligible

  • Contact My Aged Care on 1800 200 422 for guidance

  • Understand your current protection if already receiving care

  • Review family finances to prepare for potential co-payments

  • Seek financial advice about aged care planning





Changes to residential aged care



The reforms stretched beyond home care.



Residential aged care also faced significant changes.



Families paying the Refundable Accommodation Deposit (RAD)—often more than $750,000—had previously received the full amount back when their loved one passed away.



Now, providers could retain 2 per cent of the RAD each year, capped at 10 per cent over five years.



New residents also faced daily means-tested contributions for non-clinical care such as bathing and mobility assistance.



These fees could reach up to $100 per day, with additional ‘hotelling’ charges for meals and accommodation.



Did you know?


Delayed start The Support at Home program had originally been scheduled to begin on 1 July 2025. After feedback from providers and older Australians about insufficient preparation time, it was delayed to 1 November 2025. Even with this delay, many stakeholders argued the sector was not ready for such sweeping reforms.




Political silence vs public anger



Despite the scale of these changes, the government offered little detail about support for those struggling with costs.



Aged Care Minister Sam Rae declined interviews, releasing only a statement that mentioned ‘financial hardship assistance available for those who need it’.



No eligibility rules, application processes, or funding amounts were provided.



Health Minister Mark Butler also declined to comment.



This silence contrasted with the loud voices of aged care advocates.



Beverly Baker of the Older Women’s Network said, ‘We are the generation of protest. When people realise the impact, they’ll be out demanding not more than we need, but what we need—so that we can die with dignity.’




What lies ahead



Looking forward, the Support at Home program’s launch marked only the first stage of reform.



The Commonwealth Home Support Programme would not transition until at least 1 July 2027, leaving multiple systems in place simultaneously.



For providers, the lack of clarity about sustainable price levels created instability.



They were asked to set service costs without guidance, knowing price caps were coming in mid-2026.



Many were expected to err on the side of higher pricing, prioritising viability over affordability.



The staged implementation left major questions unanswered.



Would future price caps guarantee access?



How would financial hardship assistance operate in practice?



What happened to Australians who simply could not afford the fees?




Getting help



For those seeking help, resources included My Aged Care (1800 200 422), fee estimators at myagedcare.gov.au, and financial information officers offering free guidance.



For current recipients, providers would handle the transition.



Assessments would not need to be repeated, but agreements had to be signed.



For new applicants, the only option was to apply online through My Aged Care and plan finances accordingly.



A national turning point



Doug and Eileen Taylor’s story reflected the broader national moment.



Australia was reshaping its aged care system, shifting responsibility from the collective to the individual.



Supporters claimed it was necessary for long-term sustainability.



Critics said it compromised the principle of equal access to essential care.



As Beverly Baker reminded the nation, older Australians were not likely to remain silent.



The months ahead would reveal whether public pressure could reshape the reforms—or whether the new reality of paying for basic support was here to stay.



What This Means For You


From 1 November 2025, the long-standing Home Care Packages system was officially replaced by the new Support at Home program.


While existing recipients before this date were shielded from extra charges, newcomers weren’t as fortunate.


Under the changes, everyday non-clinical support—like showering, cooking, and cleaning—now came with mandatory co-payments.


On top of that, residential aged care introduced additional fees, including rules that allowed part of residents’ refundable accommodation deposits to be lost.


For older Australians, these changes meant a real shift in how care was accessed and paid for.


What was once provided for free now carried a price tag, and for many, this raised serious concerns about affordability, independence, and long-term financial security in retirement.




While the Support at Home program introduced major changes to fees and protections, it was not the only adjustment made in the lead-up to the overhaul.



In fact, the government had already shifted course once before, responding to mounting pressure about long waitlists and urgent need for access to care.



One such move saw a significant number of packages brought forward earlier than planned, showing how policy decisions can rapidly change direction when public concern grows.



Read more: Albanese government to bring forward home care packages in major backdown





Have you or your loved ones faced challenges under the new Support at Home system—and do you believe older Australians should be charged for basic care?

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I know now that will not be able to afford co payments and keep my house. Looks like when the time comes it will be straight to aged care for me.
 
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elaine41 said:
This is poorly written. It talks as if 1 Nov 2025 is in the past & that the new programme is already active. As far as my poor, old, (probably decrepit if the govt had any say in it) brain knows, 1 Nov 2025 is still nearly 6 weeks away.

"Have you or your loved ones faced challenges under the new Support at Home system" you ask at the end of the article - well, who knows? We still have to wait until the programme becomes active.

In the meantime, whilst I have been approved for the old system, I am still waitiing for the payment to come through (9 months after approval) but I have had to decide that with the cost of my medical care, I will have to struggle through keeping my home & yard clean & tidy as I am already on a very tight budget. So the question becomes, do I eat or do I clean? Unfortunately for me, I am "addicted" to food & need my "fix" at least twice a day but preferably three times daily, so I guess cleaning the house & mowing the yard will have to take 2nd place to my food.

There are many of us seniors who do not have family who can chip in to help cover the cost. As a single senior I know this only too well as sometimes regular maintenance on my home can set the budget screaming that there is not enough left for that little luxury of having a coffee when out for medical care.
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This is exactly what I was thinking when reading this article. I began to wonder if I had slept for a year and missed out on everything that had happened. The more time goes on the less elderly people are cared about. We are an inconvenience to this world in their eyes. So sad.
 
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I can only sympathise with everyone and there circumstances as I know how hard it is out there My wife and I are in the same boat. I worry that soon the electricity subsidy will finish and where do I get the money from to pay it. I already have money deducted from my pension in advance so once the subsidy ends I will have to increase the amount I have deducted which will leave us short elsewhere once again I sympathise with everyone
 
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Marty F said:
It's All about The money,a lot of these so called providers are charging exorbitant prices that older people cannot afford,they are ripping off the system, what was the point in having a royal Commission if you don't take any notice of it.the only way to change the system is for the government to run it ,they would save in the long run, all the workers would be employed,but the rip off provider wouldn't be, it's them that are buggering up the aged care.
There are probably some genuine ones, but there are a lot of bad ones
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Absolutely agree. Too many providers ripping off the system. My brother had a son with Angelman’s syndrome (check out the symptoms which are many and varied per person). He never spoke a word in his 26 years of life, had to wear nappies all his life, had a spine at 45 degree angle at time of death as well as many other ‘afflictions’ and a provider charged over $8000 for a shower chair because both governments (in the boy’s 26 years of life) were stupid enough to pay it. Go figure who is ripping off the system - some getting assistance but it’s mostly the providers.
 
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MelanieJune said:
My friend works in aged care. She says persuading some to shower is a lot of energy. If they don’t want to shower they won’t, if they don’t want to eat or whatever, they won’t. Stubborn as mules.
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Not wanting to shower. Not wanting to eat. Those show clear signs of giving up. Depression. Being “stubborn” is often the last control of their lives that they have. More understanding is needed.
 
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meanfreddy said:
Well this is so unfair as every one thinks because your on a part pension you must have money, no this is not the case, if you and your wife dont put your money together, one can be well off and the other person has nothing as in my case. I was casual in the same job for 20yrs which is illeagle for starters, worked same 35hr week as the permanants and trusted me with building and safe keys and never had a paid holiday in 20yrs and never took time off as sick days and my boss was hard did not want me to have a day off, i left work at christmas time aged 64yrs and lived of my savings for the next 8 months untill i was 65yrs. I only got $79.00 aged pension a fortnight, so i still had to live on my savings , as my wife was more well off and it killed my pension as they combine your assetts. I got down to my last $10,000.00 and held it for a rainy day emergency, well that was short lived, when my vehicle was stollen out of my locked garage and burnt out. I had to use my last $10,000.00 with small amount of insurence to get myself another vehicle, but is a petrol chewer and uses 17 ltrs to hundred around town and 13 lph on open flat road.i my self live on a $100.00 per week, wife buys the food, i try to pay bills and keep getting sent to specialists and draining my part pension savings and elect, gas water, rates, house and car insurence theres nothing over, then my asma dr wants me to go to a speach specialist for vocal cord breathing training as what was thought to be asma is vocal cords not opening and causing breathing problems 24hrs a day and first visitit is $329.00 non medicare refund and i just had to say i will do it. But i simply dont have the money to go and then told i cant do any more for you until you go to speach theropist by video link as i am no where near a big city. I have to look far ahead with my money, as may have one cateract fixed then 2 x follow up at eye dr so have to have cash on hand, then rego and car ins follows that then house rates follow that with elect gas and water inbetween. These specialists assume every one on a pension is well of and can just pull money out of your back pocket, not so the case.people on their big wagges cant seem to understand you dont have the money to go these big sallery earners, at least i own my own home one bonus. But every ones struggling out there and there are people out there doing it reall tough and have to decide food, e ergy bills or a roof over your head, but then holiday time you only have to see the people travelling at our city airports, i can only assume these are the lucky people earning big money otherwise they would be staying home.
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As with NDIS the hourly rate charged be providers is disgusting. The base rate for staff in aged care is about $26 ph.
The days of not for profit community services are gone
 
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meanfreddy - I am 100% sure both your’s and your wife’s savings are taken into consideration when applying for the pension and that is why you only get a small amount - between both of you you most probably have close to the cut-off amount in cash/superannuation savings which is in the region of $900,000. Your home is excluded from this but superannuation is not. This is the rule, and it includes bank accounts, any superannuation, off-shore income or savings accounts and a whole lot more. If you deceive the government in telling them only some of your funds, believe me you will one day be found out and will have to pay back everything you got in pension from them over the years.
 
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cblayney said:
As with NDIS the hourly rate charged be providers is disgusting. The base rate for staff in aged care is about $26 ph.
The days of not for profit community services are gone
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Yep, well and truly GONE.
 
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elaine41 said:
This is poorly written. It talks as if 1 Nov 2025 is in the past & that the new programme is already active. As far as my poor, old, (probably decrepit if the govt had any say in it) brain knows, 1 Nov 2025 is still nearly 6 weeks away.

"Have you or your loved ones faced challenges under the new Support at Home system" you ask at the end of the article - well, who knows? We still have to wait until the programme becomes active.

In the meantime, whilst I have been approved for the old system, I am still waitiing for the payment to come through (9 months after approval) but I have had to decide that with the cost of my medical care, I will have to struggle through keeping my home & yard clean & tidy as I am already on a very tight budget. So the question becomes, do I eat or do I clean? Unfortunately for me, I am "addicted" to food & need my "fix" at least twice a day but preferably three times daily, so I guess cleaning the house & mowing the yard will have to take 2nd place to my food.

There are many of us seniors who do not have family who can chip in to help cover the cost. As a single senior I know this only too well as sometimes regular maintenance on my home can set the budget screaming that there is not enough left for that little luxury of having a coffee when out for medical care.
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Elaine ,if you have a provider already organized, they can sometimes push the process because you need the help.
 
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MelanieJune said:
My friend works in aged care. She says persuading some to shower is a lot of energy. If they don’t want to shower they won’t, if they don’t want to eat or whatever, they won’t. Stubborn as mules.
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In my experience, perhaps the staff need to come back at a different time, maybe ask the resident what time would suit them. maybe they don't want breakfast at 7am and would prefer 8.30 or 9am.
Sometimes is about making their own choices.:unsure:
 
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This is disgusting. We have worked hard all our lives and this is what we get in return. My budget from the Govt has blown out and therefore all my services have been been shortened. I am on a Disability Pension so what do I do now? One day Albanese will need care but he can afford it.
 
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Phantom36 said:
Rip it up council, it's their ground and if it keeps up have them charged with harrassment.
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When I told them it was their property, not mine, I was told in no uncertain terms that there is some local govt legislation that makes it my responsibility to maintain & that if I didn't mow it they would lay some charge against me & I would end up in court!!!

Shortly after all this I asked them to fill in the hole in the "gutter" as my car was getting damaged as it tried not to fall through to China. Told this was also my responsibility to repair. Why d we pay exorbitant rates??
 
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Clancieblue said:
In my experience, perhaps the staff need to come back at a different time, maybe ask the resident what time would suit them. maybe they don't want breakfast at 7am and would prefer 8.30 or 9am.
Sometimes is about making their own choices.:unsure:
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Unfortunately this idea would not work in any institution. Staff have to work to timetables & routines to get their work done. Showering could possibly be done at different times but meals need to be at a set time so kitchen staff have time to prepare, serve & clean up from one meal in time to get the next one ready. Maybe these residents are just sick of being fed too much at each meal & are not really hungry at breakfast time. How's that for an idea?
 
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elaine41 said:
Unfortunately this idea would not work in any institution. Staff have to work to timetables & routines to get their work done. Showering could possibly be done at different times but meals need to be at a set time so kitchen staff have time to prepare, serve & clean up from one meal in time to get the next one ready. Maybe these residents are just sick of being fed too much at each meal & are not really hungry at breakfast time. How's that for an idea?
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I was a Hospitality manager in aged care; the mealtime had a 2-hour window for residents to eat at their leisure. sandwiches and many other snacks always available in the fridges.
Nurses also had a handle on who liked to rise at what time. It's not rocket science, just good management. :)
 
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I realised this a year ago even then you were supposed to pay out of our own pocket per day use the service or not.
So opted out. Now paying my lovely friend privately and saving money.
It shouldn’t be this way but we are fighting a losing battle.b
 
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!
MelanieJune said:
My friend works in aged care. She says persuading some to shower is a lot of energy. If they don’t want to shower they won’t, if they don’t want to eat or whatever, they won’t. Stubborn as mules.
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Why??? the answer is simple THEY ARE NOT READY TO EAT OR SHOWER. GIVE THEM SOME TLC INSTEAD OF A BULLY MANNER. LOVE THEM AND NURTURE THEM AND FINALLY APPRECIATE THE MANY YEARS THAT THEY HAVE CARED FOR YOU WHEN YOU WERE GROWING UP.
If you have to whinge about the job.. THEN FIND ANOTHER JOB THAT YOU LIKE BETTER
and don't call people from my era "STUBBORN MULES" .... Look in the mirror you might find a bigger stubborn mules.
I know it is your friend saying that so tell her what I just said... Melanie.
 
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At the moment, I wouldn't mind paying for a bit of Home Care or whatever the new name is. I've applied for a basic level (help with housework, really!) well over a year ago and as far as I can tell I might get something when I'm 130 years old.
Average lifespan of my family: mid 80's, if you're interested

Most diseases and disasters are eradicated simply by changing the name. People don't get ringworm any more, the get tinea. It's actually the same condition, but the disease "ringworm" doesn't exist.
The "Home Care Packages" system has become a debacle. So we eliminate that 'disease'. "Support at Home" isn't the same thing at all. It's more expensive, for one thing. The wait times will be the same, the services provided might be the same, the bureaucracy to manage it has doubled... See, we've fixed the problems of Home Care Packages!
Marty F said:
It's All about The money,a lot of these so called providers are charging exorbitant prices that older people cannot afford,they are ripping off the system, what was the point in having a royal Commission if you don't take any notice of it.the only way to change the system is for the government to run it ,they would save in the long run, all the workers would be employed,but the rip off provider wouldn't be, it's them that are buggering up the aged care.
There are probably some genuine ones, but there are a lot of bad ones
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It's always all about money - the government is deeply in debt, no matter how rubbery the figures trying to make it look good (the current system is to totally ignore the debt repayments and interest payments when 'balancing' the budget). The Carers are entitled to a decent wage - the majority of them, anyway (the bad ones are the ones you hear about, the good ones get no recognition but are the majority!). The increased bureaucracy needs to be paid for. So we'll just hasten a few more aged people into their graves - we (the government) get no income from them, after all, so why spend money on them?

Except a portion of the taxes we, the human beings now past our 'best before' date, have paid all our working lives should have been allocated to a fund dedicated to providing services for people after they have retired. Pensions for those who need them, health care, even accommodation when we can no longer afford to live in and maintain our homes.

Do you want me to change soap-boxes now?
 
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Caron said:
I know now that will not be able to afford co payments and keep my house. Looks like when the time comes it will be straight to aged care for me.
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Is this the sneaky way the government gets us out of our houses so that families can have them?
 
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elaine41 said:
Unfortunately this idea would not work in any institution. Staff have to work to timetables & routines to get their work done. Showering could possibly be done at different times but meals need to be at a set time so kitchen staff have time to prepare, serve & clean up from one meal in time to get the next one ready. Maybe these residents are just sick of being fed too much at each meal & are not really hungry at breakfast time. How's that for an idea?
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I have worked in aged care catering and meals can be put aside for residents to have at a later time. Yes we do run to a schedule but as long as we are asked we can prepare a meal for them.
 
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