Are your parents thinking about moving to a nursing home? Consider accessing home care options to enable them keep some of their independence and continue to live in their own home
Types of home care available
1 Commonwealth Home Support Program (CHSP)
If your parent(s) need help with things such as meal preparation, housework, shopping, or driving to appointments – the CHSP may be suitable.
This assistance is subsidised and regulated by the government. To access the service, an assessment is conducted by the Regional Assessment Service (RAS) to determine the services required to best support the individual or couple to remain independent and safe within their home.
To be eligible for this type of care, your parent(s) must be at least 65 years old.
Your parent(s) would need to contribute to the cost of services received if they have sufficient financial resources to do so. An arrangement with the service provider can be made if they are unable to pay fees due to hardship.
2 Home Care Packages (HCP) Program
If the CHSP is not suitable or becomes unable to meet higher level care needs, a Home Care Package may be accessed.
This program provides similar services to the CHSP, however the services are tailored and co-ordinated to meet individual requirements.
There are four levels of HCP; the subsidy provided by government and the types of care provided are increased at each level of care.
All HCPs allow your parents to select the services that can receive.
For example, an individual on a Level 2 HCP (low level care needs) may receive the following services each week:
To be eligible for this service, your parent(s) must be an older person requiring co-ordinated services to remain in their home. These services are also available to younger people with a disability, dementia or other care needs not able to be met elsewhere.
Dependent upon the home care package level your parent(s) have been assessed to receive, an amount of money will be paid directly to the chosen Home Care provider by the government. A co-contribution towards the cost of this care which will depend upon their level of assessable income as determined by the Department of Human Services.
3 Private Care
There are various private organisations that provide nursing care and other services within the home. They are not subsidised or regulated by government, and vary in price and the services offered.
For example, some organisations provide 24-hour nursing care within the home, while others offer gardening, housework, shopping and meal preparation.
4 Palliative Care Support Program – end of life care at home
To support this choice, the Palliative Care Support Program was established to provide end of life care in the home, focusing on support of the patient and their family. It attends to the physical, psychosocial and spiritual concerns of those involved.
A package of 48 hours of care is funded by the government following approval by the Community Palliative Care Team. A range of services can be accessed and include nursing care, counselling, meals, transport, short term respite and domestic assistance.
If your parents wish to remain in their home rather than move into a residential aged care facility, there are a variety of options to support them. It is worthwhile exploring these options early – planning ahead gives you time to make the best decisions possible.
At Futura Financial Group, we specialise in aged care advice. Our professional financial planners not only can provide aged care financial advice that will help with cash flow and minimise aged care costs, but help implement appropriate financial planning help you achieve your retirement goals and help ensure you have sufficient savings to last your retirement.
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