What others are asking - Can my partner get subsidised home care if I am still working?

If you are balancing full-time work while caring for an aging partner, navigating the Australian aged care system can feel overwhelming. In this article, we’ll break down the options available to secure home care for your husband, clarify the costs involved, and explore how your circumstances, such as employment and income, impact eligibility.

Yes, your husband may be eligible for home care services through the Australian Government’s aged care system, even while you continue working full-time. Let’s explore the details:

The CHSP is designed to provide entry-level support for older Australians who need assistance with daily tasks to remain at home. Services can include personal care, domestic assistance, meal preparation, and respite care. To access CHSP services:

For more comprehensive care, the Home Care Package program provides tailored services based on individual needs. Packages range from Level 1 (basic care) to Level 4 (high-level care). Eligibility is determined through an assessment by the Aged Care Assessment Team (ACAT).

While the government subsidizes a significant portion of the costs, recipients may need to pay:

Your full-time income may influence the income-tested fee. However, the government caps the maximum amount you may need to contribute annually and over a lifetime.

Income-Tested Contributions

Your good income, while beneficial, might increase the income-tested care fee your husband is required to pay. This fee is determined by Services Australia and considers:

If you retire, your combined income may decrease, potentially reducing the income-tested fee. However, this does not affect your husband’s eligibility for care services. Eligibility is based on his age, health needs, and the assessment outcomes, not your employment status.

1. Private Home Care Services

If government-subsidized options do not meet your needs, private home care providers offer flexible solutions. Costs vary depending on the level of care required, but this option might suit your schedule and ensure your husband receives consistent support.

2. Carer Support and Respite Services

As a working caregiver, respite services can be invaluable. These services provide temporary care for your husband, giving you peace of mind during work hours. Subsidized respite care is also available through My Aged Care.

3. Tax Incentives and Deductions

Some home care expenses may be tax-deductible. Consult a financial adviser to understand how these benefits apply to your situation.

Contact My Aged Care: Begin the process by creating a profile and booking an assessment for your husband. This will determine his eligibility and guide you toward suitable programs.

Explore Fee Estimators: Use our online calculators to estimate the income-tested care fee.

Consult a Financial Adviser: Understand how your income and assets impact care costs.

Research Providers: Whether you opt for subsidized or private care, research multiple providers to find the best fit.

Balancing caregiving with full-time work is challenging, but support is available. By leveraging government programs, exploring private care options, and seeking professional advice, you can secure the help your husband needs while continuing your career. Take the first step today by reaching out to My Aged Care and starting the assessment process.

For more detailed information visit our Home Care page on agedcare101.