NEWS FLASH - Deferral of the implementation of the new Aged Care Act
Delayed start date announced by the government on 04 June 2025, delayed from 1st July, and now starts 1st Nov 2025.
Aged care rules are changing from 1 Nov 2025
CLARITY, SUPPORT & TRUST
Gain the knowledge before making a decision - you can optimise your financial choices when considering your options for future care.
Whether you’re looking for options to stay at home, residential care or palliative care, our support in explaining your options helps you take the next step with confidence.
Navigating aged care fees for in-home care
Government is focused to deliver a record number of homecare packages to help older people to remain at home for longer. Even if you're not on a pension, government assistance can still be available and we look at how your contribution to the cost of your care can be minimised.
When understanding Aged Care fees becomes important
Home is the best place to remain as long as possible. Government assistance for home care package fees is available to help your family remain at home.
Looking for Government assistance for home care package fees, to help your family remain at home?
We show people how the fees are calculated so you can maximise the contribution the government pays towards the cost of your care.
With the Albanese Government's Aged Care Bill passing Parliament, this now means they can deliver 107,000 home care packages in the next two years, a record number, the largest every homecare package release ever.
Support at Home will create 83,000 additional packages in the 2025-2026 year, building on their existing announcement of an additional 24,000 packages in the 24-25 year.
1.4 million older people will have access to the Support at Home program by 2035 to help them stay in their homes for longer.
Help with answering your questions
This information applies to In-Home Care and Residential Aged Care.
This doesn’t just benefit pensioners, as self-funded retirees are also included.
We help you understand aged care fees, so you can minimise your costs to make informed decisions. Our support ensures you stay on track, adjusting your approach as needed to optimise your financial outcomes.
You can apply for government subsidised home care or pay for private care. Older people who are finding it difficult to live at home without help may be suitable for home care packages. This support may allow you to stay in your home longer and avoid (or defer) the need to move into residential care.
In residential aged care services you need to pay a contribution towards the costs of your care, but they are largely subsidised by government.
We show people how the fees are calculated so you can maximise the contribution the government pays towards the cost of your care.
Know that you can speak with the same person next time if you have more questions:
How do you minimise your contributions to Aged Care fees (contributing to the cost of your care) - your contributions depend on category and your financial means.
What is Means-Testing?
How does Means-Testing affect fees you pay? How is Means-Testing calculated and used?
What can cause your fees to change?
How much can I earn?
What impact does a Reverse Mortgage or Home Equity Access Scheme (HEAS) have on my assessment?
Are you aware there are two different types of superannuation income streams important to Means-Testing? Which one is yours?
Why is understanding these different superannuation types important to calculate Means-Tested fees?
What is grandfathering? Does this apply to you?
Sounds complex. We can help you understand how it all works.
Understanding Means-Testing is key to managing aged care fees—it determines your contribution based on your finances. Factors like income, assets, superannuation types, and how Reverse Mortgages or Home Equity Access Scheme (HEAS) impact assessments. Grandfathering rules may also apply if you are eligible, affecting your assessment. Staying informed ensures smarter aged care planning, so you can take the next step with confidence.
Aged care fees can be complex, but we simplify them for you
Whether it's In-Home Care or Residential Care, we explain costs in plain English, helping your family navigate government assistance and care package fees.
Our guidance ensures you understand your options, making it easier to stay in your home longer or transition to residential care with clarity.
If aged care costs feel overwhelming, we provide the support and insights you need to make informed decisions.
Your family's journey is important — let us help you navigate it with confidence.
Navigating the Complexities of Aged Care Fees
Our Approach
INFORMATION ONLY
Aged care fees can be complex, and financial advice can be costly. We provide clear, straightforward information to help you make informed decisions and avoid expensive mistakes.
Our approach is to provide information in plain English, to educate and guide families who prefer self-help over comprehensive advice.
Our Information Only service explains key calculations, jargon, and cost-saving considerations for In-Home Care and Residential Aged Care.
With experience working as a licensed financial adviser since 2003, Sharon now specialises in the Aged Care space, offering an affordable, guidance-focused solution without recommendations, including any product recommendations.
Our goal is to equip you with knowledge and confidence, helping you navigate aged care costs to make decisions that best suit your family's needs.
CLARITY, SUPPORT & TRUST
Our Consultations
Discuss considerations that can reduce Aged Care fees
$193
A shorter meeting to explain how Aged Care contribution fees are calculated and what figures go into these calculations, so you can better understand your options. Questions and answers opportunity.
Also available as a follow-up meeting.
✅How are fees calculated
✅Means Testing and other jargon explained
✖ Calculations
This is for In-Home or Residential Care.
$385
A longer meeting to understand how the Means Tested Aged Care fee calculations work using your assets and income figures, with time provided for calculations if requested.
✅How are fees calculated
✅Means Testing and other jargon explained
✅Calculations are included in this meeting
Tip! Having current figures of your assets and income with you in our meeting enables us to better assist you.
This is for In-Home or Residential Care.
Remote or phone consultation options
Sharon is an Accredited Aged Care Professional.
Located in Tweed Heads NSW, we have options for appointments Australia wide using a video meeting or a phone call.
Schedule your appointment
Have questions? Phone us on 0490 697 530
Meet Sharon
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Sharon Sheehan
Accredited Aged Care Professional
With over 20 years of experience working previously as a qualified licensed financial adviser, Sharon now specialises in Aged Care. Sharon has a strong understanding of Centrelink Means-Testing and she shares this knowledge with you.
As an Accredited Aged Care Professional, she helps families understand Aged Care fees and navigate their journey with clarity and confidence. -