There are three common reasons people have no funding: they are not eligible, they are waiting for an assessment, or the funding does not cover what they need. Each has a different response.
If you are waiting
Private care can start now. Use it for the tasks that carry the most risk, and reduce it when the funding arrives. A short period of support after hospital is often cheaper than a readmission.
Ask for the assessment to be expedited if your circumstances are urgent. Ask your GP or hospital social worker to support the request.
If you are not eligible
Look at what else exists before assuming you must pay for everything.
- Community health centres for nursing and allied health.
- Council services for meals, transport and some home help.
- Commonwealth Home Support Programme for lower-level support.
- Carer Gateway for respite and support if you care for someone.
- Veterans' affairs support, if you or your partner served.
- Private health extras for some services.
- Community organisations and charities for specific needs.
Ask a social worker to map this out. It is their job, and it is faster than doing it alone.
Prioritise ruthlessly
With limited money, buy the support that prevents the most expensive problem. Usually that is the bathroom, medication, food and the trip to the GP. Cleaning the spare room can wait.
Ask a provider for a two-hour plan that covers the highest-risk tasks, not a full package. A good provider will help you design it.
Use family and community without burning them
Family can cover some tasks, but be specific and time-limited. "Every Tuesday for an hour" is sustainable. "Whenever you can" becomes resentment.
Neighbours, faith groups, clubs and men's sheds can provide company and practical help. Ask. Most people want to help and do not know what to offer.
Do not skip the assessment
Even if you expect to be refused, apply. The assessment creates a record, and the outcome can be reviewed. It also opens access to programs you may not know about.
What not to do
Do not cancel essential care to save money if it increases the risk of a fall or a hospital stay. The hospital bill, the injury and the stress usually cost more than the hours you cut.
Common questions
Can I get a free assessment?
Yes. My Aged Care assessments are free. NDIS access requests are free.
What is the Commonwealth Home Support Programme?
A lower-level aged care program for entry-level support. Ask My Aged Care whether you are eligible.
Can my council help?
Many councils offer meals, transport and some home support. Availability varies by council.
Is there help for veterans?
Yes. Services Australia and the Department of Veterans' Affairs offer support. Ask specifically.
Should I borrow to pay for care?
Be cautious. Get financial advice before borrowing, and consider the long-term cost.
Sources and further reading
This guide is general information, not medical, legal or financial advice. If you are worried about your health, call your GP. In an emergency, call 000.