One of the realities of ageing, is the fact that for many of us there will come a time where we have to transition to aged care, to ensure our health needs are met.
We’re going to take a look at the different levels of aged care in Australia, and how much you can expect them to cost. By preparing yourself ahead of time and knowing what to expect, you can ensure the transition to aged care will be as painless as possible.
Commonwealth Home Support Programme (CHSP)
This provides entry-level home support for older Australians who need a degree of assistance, so they can keep living independently within their community. Those who can afford to contribute to the cost of care are required to do so, however many of the services that are provided in the CHSP are still made available for those who can’t afford to pay.
Home Care Packages
Older Australians willing to undergo an assessment can receive home care packages that provide services like cleaning, meals, transport, personal care and nursing care. There are multiple levels of home care available and depending on your income you may be asked to pay a basic daily care fee, in addition to an income-tested care fee.
After hospital (transition) care
This level of care is designed to provide short-term assistance to people who’ve just been in hospital and need help with their recovering and time to assess their long-term care options. Services range from low-intensity therapy to access to a social worker or nurse. The costs are generally agree with the service provider before and include a daily care fee.
If you’re in a position where you’re already receiving care and your career needs time to attend to your needs, you may need to arrange a form of respite care. Costs for this generally depend on the type of care you need and financial circumstances.
Residential aged care
This is provided for people who need more help with day-to-day tasks or health care. Residential aged care generally provides assistance with cleaning, washing, cooking, nursing care and personal care and includes care on a permanent and respite basis.
Costs for residential aged care include a basic daily fee, means-tested care fee, full or partial accommodation payment, and fees for additional services. The My Aged Care website provides a useful residential care free estimator you can access here.
Have you considered aged care, or started making plans to make the transition to age care? Do you know anyone who has?
Read more at http://www.oversixty.com.au/finance/retirement-income/2016/06/understanding-the-different-levels-of-aged-care/#