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You or a loved one struggling to cope at home? What are your options with aged care?

26/03/2020 by Pascoe Partners Accountants

You or a loved one struggling to cope at home? What are your options with aged care?


So, you have been enjoying your retirement years but you are not getting any younger and have come to the point where you need some additional assistance with looking after day-to-day activities.

What do you do?

And what happens in the future when most activities become too much for you?

Aged care at home is a great option to consider for many people in this position.

Aged care: what are the options?

Life expectancy is about 85 for Australian men and 87 for women.

Figures show that retirees will need increasing levels of support over the last 10-12 years of their lives and many will require a high level of care in the last 4-5 years.

The most common options considered by retirees include living in a retirement village or an aged care home.

However, there is also a category of care based on assistance at home. This is increasingly being considered by those who value their independence but are just finding that the years have caught up with them.

Aged care at home can be an especially attractive option as seniors can remain in the comfort of a familiar environment but receive help with the day-to-day necessities.

Aged care at home: the benefits

For seniors who have become increasingly less mobile with the advance of the years, aged care at home provides many potential benefits.

The type of assistance that can be provided with aged care at home services includes:

  • Help with shopping
  • Meal preparation
  • Gardening
  • Help with dressing
  • Help with personal hygiene
  • Driving to appointments

Additional therapy services from physio to occupational sessions can also fall within this level of care.

The best aspect of aged care at home is that you may qualify for government assistance with it, and receive it for free or at low cost.

There are even some home renovations like the installation of ramps and rails for showers and stairways that can be funded.

How do you qualify for aged care at home?

The first step in arranging aged care assistance at home is to have an assessment by the Aged Care Assessment Service.

This will involve a medical practitioner visiting the home and observing day-to-day activities to determine what level of support is appropriate.

The practitioner will grade the required service on a score of one to four.

  • A score of one is considered the most basic care required: approximately two hours per week
  • A score of four indicates the highest level of care required: approximately 14 hours per week

Various levels of government funding are available, depending on the service score.

However, the downside is that there can be delays of up to 18 months before services are provided, depending on the level of assistance required and location.

What next?

As well as government assistance with aged care, there are numerous home care providers in the market that you can approach privately.

It is wise to perform a little research prior to committing to one provider.

There are also organisations that will act on your behalf in regard to accessing home aged care. More information can be found at

Please note that as part of the assessment process for government assistance with aged care at home, you are generally required to complete various forms about your financial position.

We are here to help with completing these forms and organizing the necessary paperwork for your application: contact us here.