Understanding Aged Care
Most people only start looking into it when a parent, partner, or loved one begins needing extra help at home or can no longer live independently. At that point, it’s not just a system you’re navigating, it’s personal. This guide breaks it down in a clear, practical way.
What is aged care?
Aged care is support designed to help older Australians live safely and comfortably as they age. It can range from a few hours of help at home to full-time residential care.
Broadly, aged care in Australia falls into three main types:
1. Support at home
This is for people who still live independently but need help with daily tasks such as:
- Cleaning or meal preparation
- Showering and personal care
- Transport to appointments
- Nursing or allied health support
Many people start here before needing more intensive care.
2. Home Care Packages
A more structured level of support for people who need ongoing help at home. Services are tailored to individual needs and can include things like personal care, nursing, home modifications, and meal services.
3. Residential aged care
Also known as a nursing home, this is for people who can no longer live safely at home. It provides 24-hour care, accommodation, meals, and medical support.
How do you access aged care services?
Before accessing most government-funded aged care services, an assessment is required through the The Department of Health, Disability and Ageing.
This assessment helps determine:
- What level of support is needed
- Whether care should be at home or in a residential facility
- What funding or services you may be eligible for
It’s less about ticking boxes and more about understanding a person’s day-to-day needs.
You then need to find the provider that will best suit your needs.
Go to MyAgeCare.gov.au to find out more.
The emotional side of aged care
The practical steps are only part of the story.
For many families, aged care decisions come with big emotions, guilt, uncertainty, or worry about “doing the right thing”.
Common questions include:
- Is it safe to stay at home?
- Are we making this decision too early, or too late?
- How do we balance independence with safety?
These are normal concerns. There usually isn’t one perfect answer, just the best fit for the situation at the time.
Costs and funding
Aged care in Australia is partly government-funded, but individuals may still contribute depending on their financial situation and the type of care received.
Costs can vary based on:
- Income and assets
- Level of care required
- Whether care is at home or in a facility
Because of this, many families choose to seek financial guidance early, especially when residential care is being considered.
Planning ahead makes a difference
One of the biggest challenges with aged care is that it’s often reactive, families start exploring options after a health event or sudden change.
But planning ahead can make the process much smoother. It can help families:
- Understand preferences before a crisis
- Explore home care options earlier
- Get clarity on costs and eligibility
- Reduce stress when decisions need to be made
Getting support with aged care decisions
You don’t have to work it out alone.
Many people speak with:
- Aged care service providers
- Financial advisers
- Health professionals
- Government support services
Aged care decisions often sit at the intersection of health, lifestyle, and finances, so getting the right guidance can make a big difference.
Find out more
This is general information only and doesn’t take into account your objectives, financial situation or needs. Before making a decision about CareSuper, you should consider if this information is right for you. Before making a decision about CareSuper, you should consider if this information is right for you and read our Product disclosure statement, Target market determination and Financial services guide. These are available at caresuper.com.au/pds or by calling 1800 005 166.
Information correct as at 6 August 2026.