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4 Vital Things to Consider When Planning for Aged Care

As our population in Australia continues to age, the need for quality aged care services is on the rise. In fact, according to GEN Aged Care Data, last year alone, in June 2022, over 400,000 individuals were using residential aged care, home care, or transition care. That said, regardless of whether you’re planning for your own future or helping a family member make decisions about their aged care, it’s essential to consider several factors to ensure the best possible outcome for all parties involved. 

Today, we’ll explore the various aspects you must take into account when planning for aged care in Australia, including financial considerations, location preferences, and care requirements:

1. Understanding the Different Types of Aged Care Services Available

In Australia, there are several types of aged care services to choose from, depending on the individual’s needs:

  • In-home care: This is a popular option as it allows the individual to stay in their own home while receiving assistance with daily tasks such as meal preparation, cleaning, and personal care.
  • Retirement villages: These are communities designed for older people who are still relatively independent but may require some assistance. They often include facilities such as communal dining areas, healthcare services, and recreational activities.
  • Residential aged care facilities (nursing homes): These facilities provide around-the-clock care and support for those who can no longer live independently. They offer services such as personal care, nursing care, and medical support.

Understanding the unique needs of your loved one or yourself is crucial in determining which type of aged care service is most suitable.

2. Assessing Care Needs and Preferences

Before making any decisions, it’s essential to assess the level of care required. This involves considering factors such as:

  • Medical conditions and ongoing treatment requirements
  • Mobility and daily living assistance needs
  • Social and emotional support
  • Dietary and nutritional requirements
  • Cultural and language preferences

It’s also essential to discuss preferences with the person needing care, as they may have specific wishes regarding their living arrangements and the type of support they receive. For example, they may need domestic assistance, or they may need personal care. Consider these things to ensure your elderly get the right care.

3. Financial Considerations

Aged care services in Australia can be costly, so it’s crucial to have a clear understanding of the financial aspects involved. The Australian Government provides some funding for aged care services through programs such as the Commonwealth Home Support Programme and the Home Care Packages Program. However, individuals are also expected to contribute to the cost of their care based on their financial situation.

When considering aged care options, you should take into account:

  • The cost of the chosen care service
  • Any government funding available
  • The individual’s assets and income
  • Potential financial support from family members

It may be helpful to consult with a financial planner or aged care specialist to navigate the complex financial aspects of aged care planning.

4. Choosing the Right Location

Lastly, the location of the aged care service is another crucial factor to consider. Ideally, the chosen facility or service should be conveniently located near family and friends to make visits and support more accessible. Additionally, it’s essential to consider the individual’s preferences, such as proximity to local amenities, healthcare providers, and community groups.


Planning aged care for yourself or a family member is a significant decision that requires careful consideration. By assessing care needs and preferences, understanding the financial aspects, and more, you can help ensure the best possible outcome for your loved one or yourself. It’s essential to involve all relevant family members in this planning process, and seeking professional guidance from aged care specialists can help navigate this complex journey with greater ease.

OSAN ABILITY is an NDIS-registered provider based in Sydney specialising in disability support, disability accommodation and more. If you are looking for aged care in Sydney, contact us today!

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