Resources.
Clear information for every step of the aged care journey.
Aged care can feel overwhelming, particularly when you’re trying to understand fees, funding, accommodation and the choices available to you or someone you love. We’ve created a collection of easy-to-understand resources to help you navigate the process with greater confidence and clarity. From understanding aged care fees to preparing for your next conversation, these resources are here to help you make sense of the information and feel more prepared for what’s ahead.
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Understanding Aged Care Fees
Aged Care Fees – Before & After 1 November 2025
Understanding aged care costs and terminology can be confusing, particularly when names and arrangements change. This easy-to-follow guide explains the key aged care fees and contributions before and after 1 November 2025, including what the different terms mean and how to think about them in everyday language.
What’s inside?
The guide provides a simple overview of:
Basic Daily Fee
Accommodation Payment (RAD)
Daily Accommodation Payment (DAP)
Higher Everyday Living Fee (HELF)
Hotelling Contribution
Non-Clinical Care Contribution (NCCC)
It also explains how the terminology has changed and uses simple comparisons such as groceries, buying a room, renting a room, room service and hotel services to make the different fees easier to understand.
Please note: Aged care rules, rates, thresholds and fees can change. Always check the latest information or speak with your aged care provider or adviser about what applies to your circumstances.
Before the Crisis: 5 Essential Documents Every Older Australian Should Have in Place
One of the most common things we see when families are considering aged care is a rush to organise paperwork during a period of stress, illness or crisis. A hospital admission, a fall, a dementia diagnosis or an urgent need for residential aged care can leave families...
Financial Abuse of Older Australians: The Warning Signs Families Should Never Ignore
When most people think about elder abuse, they picture physical neglect or mistreatment. What many don't realise is that financial abuse of older Australians is one of the most common forms of abuse experienced. It can happen gradually, often at the hands of someone...
The Role of Guaranteed Income in Retirement and Aged Care
As retirement approaches, the focus shifts. It is no longer just about how much you have. It becomes about how reliable that income is. And for many, the role of guaranteed income in retirement and aged care can be overlooked. The Risks People Feel Behind every...
How Lifetime Annuities Can Support Aged Care and Centrelink Outcomes
When aged care becomes part of the conversation, financial planning changes. It is no longer just about growing wealth. It becomes about: Paying for care Managing cash flow Understanding Centrelink Supporting family decision making And many find it difficult to...
Is a Lifetime Annuity Right for You?
When families start thinking about retirement or aged care, one question comes up again and again: Will the money last? It is a simple question, but not always an easy one to answer. A lifetime annuity is one option that can help provide certainty. It is not right for...
Understanding RADs, DAPs and the New Aged Care Rules from 1 November 2025
Moving into residential aged care is one of the biggest financial and emotional decisions many families will ever face. And understanding the new aged care rules from 1 November 2025 is critical for many. For many people, one of the first questions is: “How will we...
Why “Average Life Expectancy” Is Misleading
Why “Average Life Expectancy” Is a Misleading Number and What Families Should Plan For Instead When families start thinking about aged care, one number often comes up early in the conversation: average life expectancy. It feels logical.It sounds scientific.And...
Longevity Is the New Normal: Why Aged Care Planning Is About More Than “The Last Few Years”
Longevity is the New Normal For many families, aged care planning still carries an unspoken assumption:This is about the final years. But the reality for Australians today is very different. Longevity has become more and more normal in many families. We are now...
Downsizer Contributions: What You Need to Know Before Selling the Family Home
What You Need to Know Before Selling the Family Home If you’re thinking about selling the family home and contributing the proceeds to super, downsizer contributions might be a smart strategy — especially if you’re aged 55 or over and no longer...
Aged Care Reforms: What’s Changing from 1 November 2025
Aged Care Reforms: What’s Changing from 1 November 2025 If you or a loved one is planning for aged care, you’ve probably heard murmurs of reform. The big shifts are coming on 1 November 2025, when a new Aged Care Act kicks in — and it will reshape how fees, services,...
Deeming Rate Changes & Centrelink Impacts for Aged Care Clients
Deeming Rate Changes & Centrelink Impacts for Aged Care Clients – What You Need to Know As of 20 September 2025, Centrelink made its latest round of deeming rate changes and threshold indexation — and while some full pensioners got a welcome boost, others may feel...
Need help understanding what it means for you?
Resources can help you get started, but everyone’s circumstances are different. If you’re unsure about your options, your fees or what you need to do next, we’re here to help you work through the information and understand your options.
