Thinking about aged care is something many families put off until they’re forced into making decisions quickly. A fall, a hospital stay, or a sudden change in health can turn “we’ll deal with it later” into an urgent and emotional process. The reality is that aged care is complex, and starting early makes a meaningful difference to outcomes, costs, and peace of mind.
Whether you’re planning for yourself or helping a parent or loved one, understanding where to begin — and when to seek professional advice — can take a lot of stress out of the journey.
Why aged care feels overwhelming
Australia’s aged care system is layered with assessments, eligibility rules, waiting lists, fees, and choices that aren’t always easy to compare. Families often find themselves navigating government processes while also managing emotional conversations about independence, health, and change.
This is where preparation, and the right advice, can be invaluable.
The Top 7 Steps to Consider When Starting Aged Care Planning
- Start the conversation early
The best time to talk about aged care is before there’s a crisis. Gentle, open conversations allow everyone to express preferences, concerns, and expectations. Early discussions lead to better decisions and reduce the pressure of rushed choices later on.
- Understand current needs — and future ones
Aged care isn’t one-size-fits-all. Some people only need a little help at home, while others may require more comprehensive care over time. Think about mobility, memory, health conditions, social needs, and how these might change in the coming years.
- Explore home care versus residential care
Many people prefer to stay in their own home for as long as possible. Home care services can support this, but they have limitations. Residential aged care may eventually provide greater safety, medical oversight, and social connection. Understanding both options helps families plan realistically.
- Navigate the assessment process
Accessing government-subsidised aged care usually begins with an assessment. These assessments determine eligibility and the level of care available. The process can feel bureaucratic and confusing, especially for first-timers, and mistakes or delays can slow everything down.
- Understand the real costs
Aged care costs can include basic daily fees, income-tested fees, accommodation payments, and additional service charges. The structure is complex, and decisions made without understanding the financial implications can significantly impact long-term savings or assets.
- Consider the impact on family
Aged care decisions don’t just affect the individual — they affect partners, adult children, and carers. Emotional strain, time commitments, and financial contributions are often part of the picture. Planning helps balance care needs with family wellbeing.
- Get professional aged care advice
This is one of the most important steps — and often the most overlooked.
Why seeking advice from an aged care professional is so important
An aged care advice professional specialises in helping families navigate the system with clarity and confidence. They understand how assessments work, how to structure care to suit both needs and budgets, and how to avoid costly mistakes.
Professional advice can help:
- Explain care options in plain language
- Identify entitlements you may not know exist
- Compare providers objectively
- Reduce delays and stress during transitions
- Align aged care decisions with broader financial and lifestyle goals
Importantly, advice isn’t just about today — it’s about planning for what comes next.
Taking the first step
Aged care planning doesn’t mean giving up independence or control. In fact, starting early and seeking professional advice often does the opposite — it gives individuals and families more choice, more confidence, and better outcomes.
If you’re unsure where to begin, that’s completely normal. The most important thing is to start — with a conversation, with information, and with the right support by your side.
If this article has inspired you to think about your unique situation and, more importantly, what you and your family are going through right now, please get in touch with your advice professional.
This information does not consider any person’s objectives, financial situation, or needs. Before making a decision, you should consider whether it is appropriate in light of your particular objectives, financial situation, or needs.
(Feedsy Exclusive)