How much will it cost if Mum or Dad gets a Home Care Package?
When thinking about a Home Care Package for Mum or Dad, understanding the costs can feel confusing. But knowing what fees might come up and what the government contributes can help you feel more in control and confident about your choices. Let’s break it down simply.
What Makes Up a Home Care Package Budget?
A Home Care Package budget is a mix of:
- Government Contribution:
The government gives a certain amount depending on the package level. For example:- Level 1: $29.01 per day
- Level 4: $168.33 per day
- Your Contribution (if applicable):
- Basic Daily Fee: This is a small daily fee that some providers may ask for. It helps add to the budget for services.
- Income Tested Care Fee: If Mum or Dad’s income is above a certain level, they may need to contribute a bit more.
- Additional Service Fees: Optional services that go beyond the standard care plan.
How Much Might You Pay?
The exact amount Mum or Dad might pay depends on:
- Their financial situation (like their income or pension).
- The provider they choose and the fees they set.
Here are some examples:
- Basic Daily Fee: For Level 2, it’s about $12.08 per day.
- Income Tested Care Fee: If they earn more than $33,027.80 per year, they might pay up to $18.30 per day.
If Mum or Dad is on a full pension or has a lower income, they may not need to pay the income tested care fee at all.
How to Figure Out the Costs
- Use the Fee Estimator:
This online tool can give you an estimate of what the fees might be. - Talk to Providers:
Different providers charge different amounts, so it’s a good idea to compare their fees. - Seek Financial Advice:
You can talk to a Financial Information Service (FIS) officer for free advice by calling 132 300.
What If We Can’t Afford the Fees?
If paying for care is difficult, Mum or Dad can apply for financial hardship assistance. The government may help cover some or all of the costs.
Knowing all of this before you choose a provider helps ensure that Mum or Dad gets the care they need, without unexpected financial worries.
