Let’s remove complexity of Aged Care
Aged Care Planning with ease
Sadly, the vast majority of older people go into aged care with no plan and usually completely unprepared.
This is often due to the fact that they might have a fall or other medical trauma and have undergone an Aged Care Assessment, often in a hospital and they are not allowed to return home due to health issues and inability to continue living independently.
As difficult as this change often is, our government has not been of much assistance, as it created a real nightmare of complexity that requires one to have a law degree to understand legal documents, fees structure and what can or cannot be negotiated.
Entering into aged care is costly and any decisions should be made after receiving suitable advice. Unfortunately, most families will ask for assistance after placing their family member into care, which in most cases might be more difficult, to make improvements, but still not impossible.
Four types of Aged Care charges:
Basic Daily Fee
This fee covers daily living costs. For some people this would be the only fee that they are required to pay.
Some people will have their accommodation costs met in full by the government, others will need to pay the agreed accommodation fee.
Extra Services Fee
Additional (fully optional) fees that could be payable if you chose a higher standard of accommodation or additional services.
To ensure a suitable financial outcome, please contact me prior to undergoing an Income and Asset Assessment and before speaking to any Age Care facilities and disclosing any financial details.
Home provided services
Most people however prefer to stay in their own family home but may require some help with daily tasks. Currently this is a list of home services available to you.
- small home maintenance
- meals (service that will prepare and deliver meals to your home e.g. Meals on Wheels)
- domestic help (cleaning, shopping, dishwashing, ironing)
- personal care (assistance with eating, bathing, grooming, dressing)
- transport (assistance to move around to medical appointments, community engagements)
- and many others.
Eligibility is being assessed by an Aged Care Assessment Team.
There is a cost involved for such assistance; therefore, advice can be beneficial in order to understand your options.
Aged Care help is here
If your partner or your parent need to enter the Aged Care, in order to ensure you can provide your loved one with the best quality care, I would urge you first to obtain a specialised financial advice. A short two-hour conversation can create a difference in your affordability of the place and ongoing Aged Care fees. My goal is to show you the options. The choice is always in your hands.
“the closest thing to being cared for
is to care for someone else”