NDIS vs Aged Care: Understanding the Difference and Your Eligibility

Understanding the distinction between the National Disability Insurance Scheme (NDIS) and aged care services is crucial for accessing the right support. While both provide care and assistance, they serve different purposes and have different eligibility criteria.

What is the NDIS?

The NDIS is a national scheme that funds reasonable and necessary supports for Australians with permanent and significant disability. It's designed to help people aged under 65 when they first apply to access the scheme.

The NDIS is not:
- A welfare system
- A healthcare program
- An aged care system
- An income support payment

It's an insurance scheme that invests in people with disability early to improve their outcomes over their lifetime.

What is Aged Care?

Aged care services support older Australians (generally 65 and over, or 50 and over for Aboriginal and Torres Strait Islander people) who need assistance with everyday tasks. These services focus on age-related support needs rather than disability-specific requirements.

Key Differences Between NDIS and Aged Care

Age Eligibility:
- NDIS: Must be under 65 when first applying
- Aged Care: Generally 65 and over (50+ for Aboriginal and Torres Strait Islander people)

Focus:
- NDIS: Supports related to disability, with an emphasis on early intervention and capacity building
- Aged Care: Supports related to aging and declining function

Assessment:
- NDIS: Access Request Form and comprehensive planning meeting
- Aged Care: ACAT (Aged Care Assessment Team) assessment

Funding Model:
- NDIS: Individual funding packages based on goals and needs
- Aged Care: Government subsidies with means-tested co-contributions

Choice and Control:
- NDIS: Participants have significant choice in service providers and how funds are managed
- Aged Care: More structured service delivery, though consumer-directed care options exist

What If You're Already on the NDIS and Turn 65?

This is where it gets complex. If you're an existing NDIS participant and turn 65, you can generally remain on the NDIS. The scheme recognises that:

- Your disability support needs haven't changed simply because you've aged
- Continuity of care is important
- You've built relationships with providers and developed effective support arrangements

However, if you develop age-related care needs in addition to your disability support needs, you may need to access aged care services alongside your NDIS supports.

When Might You Access Both?

Some people may be eligible for both NDIS and aged care services simultaneously. For example:

- An NDIS participant who develops dementia might access aged care for dementia-specific support
- Someone receiving aged care who has a permanent disability might transition to the NDIS if under 65
- An NDIS participant might use aged care services for age-related health issues

In these situations, careful coordination is required to ensure there's no duplication of services and that both schemes work together effectively.

How to Determine Which System is Right for You

Ask yourself these questions:

1. How old are you? If you're under 65 and have a permanent disability, the NDIS is likely appropriate. If you're over 65, aged care is typically the right choice.

2. What's the primary cause of your support needs? If it's a disability that's been present throughout your life, the NDIS may be suitable. If it's age-related decline, aged care is more appropriate.

3. What types of supports do you need? The NDIS focuses on disability-related supports and goals. Aged care provides broader support for daily living as you age.

Applying for NDIS

If you believe you're eligible for the NDIS:

1. Contact the NDIS on 1800 800 110 or visit ndis.gov.au
2. Complete an Access Request Form
3. Provide evidence of your disability from health professionals
4. Attend a planning meeting if approved
5. Receive your NDIS plan and start accessing supports

Applying for Aged Care

If you need aged care services:

1. Contact My Aged Care on 1800 200 422 or visit myagedcare.gov.au
2. Complete a phone assessment
3. Arrange an ACAT assessment if required
4. Receive a referral code for services
5. Choose your service providers and begin receiving support

Getting Expert Help

Navigating between NDIS and aged care systems can be challenging. At Able Nursing Care, we have experience supporting people through both systems. We can:

- Help you understand which system is right for you
- Assist with applications and assessments
- Coordinate services across both schemes if needed
- Provide culturally appropriate support
- Advocate for your needs

Whether you're accessing the NDIS, aged care services, or navigating the transition between them, professional guidance can make the process much smoother. Don't hesitate to reach out for help - understanding your options is the first step to getting the support you need.

Remember: The goal of both systems is to support you to live your best life with dignity, choice, and independence. Choosing the right scheme ensures you receive appropriate, person-centred care that meets your unique needs.