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...
How Budget 2017 may affect Retirees and Pre-Retirees
The announcements in this update are proposals unless stated otherwise. These proposals need to successfully pass through Parliament before becoming law and may be subject to change during this process. Over 65s will be able to make a non-concessional contribution of...
Releiving stress at a difficult time
Securing the best possible care in the later years of life is of critical importance both to the one who needs care, and for their family. Entering a residential aged care facility can often be the best solution for all concerned, but it can also be an emotional and...
The Complexity of Aged Care
Although it seems that there's a lot to navigate when it comes to figuring out Aged Care, it's easily broken down into three main areas. Strategy - this makes up about half of your solution Placement - around a quarter of your decision process Investment Solution -...
Tax changes for seniors now on the table
The Grattan Institute says seniors are contributing less to the economy but taking a lot more out, which has to change. Two main targets The government is studying recommendations that would cut into the age-based tax breaks for some seniors. The suggestions come from...
IN THE MEDIA: Financial Standard: Advice Firm Creates Aged Care Subsidiary
Thanks to Financial Standard for the article announcing the new Trusted Aged Care Services Business.
Are your finances ready for this year’s changes?
With many changes coming into effect this year – and more reforms being suggested – now is a great time to get your finances organised so you’re prepared. Changes to the Age Pension Changes to the Age Pension assets test kicked in at the beginning of this month. The...
Life on the Age Pension
Life on the aged pension can be a daily struggle with little to no buffer to make sure 'ends meet.' A single retiree who qualifies for the full government age pension can expect to receive close to $23,000 a year, including pension and energy supplements. A couple can...
Helping the folks with aged care
Having to transition parents who can no longer live independently into a residential aged care facility can be a difficult time. Moving homes rates as one of the most stressful things we can do at the best of times, let alone when the move involves an aged-care...
Introducing the Sandwich Generation
Have you heard of the Sandwich Generation? sandwich generation noun a generation of people, typically in their thirties or forties, responsible both for bringing up their own children and for the care of their ageing parents. I personally fit the demographic –...
Aged Care – the costs, considerations, concerns and what you can do…
Choosing how you age is not just about accommodation for you or your family. There are also a range of financial and emotional issues to plan for. The quality of today’s health care means we are enjoying longer lives, with current life expectancy levels far exceeding...
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.
