Navigating aged care can be complex, and with significant reforms on the horizon, it’s essential to stay informed. At Trusted Aged Care Services, we’re here to help you understand these changes and what they mean for you and your loved ones. So, what aged care fees are changing? And by comparison, what is staying the same?
🗓️ What’s Changing?
Effective 1 November 2025, (formerly 1 July 2025) the Australian Government is implementing reforms to enhance the sustainability and transparency of the aged care system. What that means is aged care fees are changing. These changes will primarily affect new entrants to residential aged care from this date onward.
1. Refundable Accommodation Deposits (RADs)
Previously, RADs were fully refundable upon leaving care (minus any agreed-upon deductions). Accordingly, under the new rules, providers can retain 2% of the RAD annually for up to five years, capping at 10% in total. This means that if you pay a $500,000 RAD, up to $50,000 may be retained over five years.
2. Non-Clinical Care Contribution (NCCC)
Replacing the Means-Tested Care Fee, the NCCC covers services like social support and administration. It’s means-tested, with a daily cap of $101.61 and a lifetime cap of $130,000 or four years, whichever comes first.
3. Hotelling Supplement Contribution (HSC)
A new fee to cover daily living expenses such as meals and laundry. It’s also means-tested, with a daily cap of $12.55.
4. Support at Home Program
For those receiving care at home, the current Home Care Packages will transition to the Support at Home Program. This aims to provide more streamlined and flexible services. Providers will continue to set their own prices for the first year.  However, Government-imposed price caps will commence from 1 July 2026.
🔍 What Remains the Same?
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Basic Daily Fee: All residents will continue to pay this fee, currently set at $63.57 per day, to cover everyday living costs.
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Accommodation Costs: Depending on your means assessment, you may be required to pay for your accommodation, either through a lump sum, daily payments, or a combination of both.
🧠How We Can Help
Understanding these changes is crucial for making informed decisions about aged care. At Trusted Aged Care Services, we offer:
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Personalized Financial Advice: Tailored strategies to navigate the new fee structures.
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Collaboration with Advisers: We partner with financial advisers who prefer not to specialize in aged care, ensuring their clients receive expert guidance.
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Educational Resources: Workshops and materials to keep you informed and prepared.
đź“ž Get in Touch
If you or a loved one is considering aged care options, now is the time to seek advice. Contact us on 07 56104909 today to schedule a consultation and ensure you’re well-prepared for the changes ahead.