Home Care Package
YOUR QUICK START GUIDE
This guide is designed to help Veterans, seniors, elders, their partners and families come up to speed quickly with all you need to know about the new Commonwealth funded Home Care Package.
Carealot ensures clients have a greater choice and control by providing individually tailored home health care plans, in addition to documented monthly statements and invoices.
This guide will outline the information you need to know about the government subsidies, rates and your home care package statement.
You Will Learn:
What is a Home Care Package?
What is a Home Care Package
The Home Care Packages program is a government-subsidised program that provides long-term support for older people and veterans who want to stay living at home. There are four levels of Home Care Package for different levels of care and support needs. Each level receives a different amount of funding. This money can be used to buy hours of care or other support that suits your needs.
- Level 1 for basic care needs
- Level 2 for low-level care needs
- Level 3 for intermediate care needs
- Level 4 for high-level care needs.
Home Care Package funds aren’t paid to you directly. Instead, as your chosen approved Home Care Package provider; we enter into an agreement that outlines the services you will receive and we administer the funds on your behalf. The agreement describes your rights and the provider’s rights. It will also refer to other documents like your budget and agreed care plan. The Home Care Agreement is legally binding.
Each level receives a different amount of government funding. The higher the level, the more funding the government pays on your behalf, allowing you to buy more services.
Once you’ve had an Aged Care Assessment, you will be told which level applies for you.
How much will the government pay toward your package?
Home Care Packages are supported by the government depending on you financial circumstances. If eligible, the government will provide a daily subsidy to support your access to Home Care Services. The government asks that consumers contribute to their services and the amount of subsidy provided reduces based on the amount you are required to contribute. This contribution is determined by the government via an assessment.
As a Carealot client you will receive a monthly statement outlining the amounts you have contributed plus the amounts the government has contributed to your Home Care Package and the charges deducted from your package budget for the services provided. The following section explain in more detail the various elements that make up your Home Care Package and the out of pocket expenses that may apply to you.
Our Health at Home Services
– Right from the Heart.
- Helping clients get in and out of bed
- Bathing and personal cleanliness
- Getting dressed and putting on shoes
- Dental hygiene, shaving and other forms basic healthcare
- Personal grooming
- Meal preparation
- Light house cleaning
- Help with medications
- Accompaniment to outings and appointments
Carealot’s domestic assistance services assist your loved ones with light housekeeping and cleaning duties that have become increasingly difficult, allowing them to remain independently at home in a clean, safe environment. We understand how challenging it can be to manage your busy schedule, family and work, all while supporting the upkeep of your loved one’s home. Let us help you and your loved one be happy, healthy and worry-free, knowing that your loved one’s home is fresh, sanitary and well taken care of.
Our nursing personnel are available to assist with:
- Administering medication
- Changing dressings
- Intravenous therapy
- Pain and symptom management
- Chronic disease management
- Ventilator care
- Serious injury care
Social Support and Companionship
Social contact is a vital part of a healthy lifestyle, especially for seniors who might not get out as much as they once did. Indeed, a healthy social life can have a direct effect on many aspects of health and wellbeing. Our Support Workers are available for individualised activities such as:
- Social visiting
- Playing cards and games
- Reading a book
- Watching a movie
- Sharing a hobby
- Pet care
- Walks in the neighbourhood
- Monitoring diet and eating
- Medication reminders
- Monitor safety
- Help with grocery shopping
Modification: Carpentry, Electrical, Plumbing
Our hardworking maintenance team make sure you are looked after with all your maintenance needs.
Installation of Grab Rails and Ramps
Our skillful maintenance team installs all safety features.
Home and Garden Maintenance
- Replace light bulbs and tap washers
- We make sure the lights are always bright and the tap is never leaking!
- Clearing of debris
- Any rubbish lying around? Not any longer!
- Gutter, window or fan cleaning
- All your cleaning needs taken care of
- Pruning, grass cutting or weeding
- All your garden needs are taken care of by our dedicated team
- Installing batteries in smoke / security alarms
- All smoke and security alarms are always fully powered
“There is no independence without Interdependence.”
How much will the government pay toward my package?
The government will subsidize Home Care Package fees and services subject to income thresholds. The subsidies are tiered based on the assessed level of need by an Aged Care Assessment Team (ACAT). Further information about government subsidies can be found on the Department of Social Service website. To receive a subsidy you will be required to have up to date information with Centrelink, be registered with My Aged Care and have been assessed by the ACAT.
There are two types of fees that you may be asked to pay:
1. Basic Daily Fee, and
2. Income Tested Fee
You can get an estimate of the fees you may have to pay on the My Aged Care website:
These fees contribute to your Home Care Package total budget and are used to fund the home care services you need. If you cannot afford to pay these fees you can apply for financial hardship assistance through Centrelink.
1. Basic Daily Fee
The Basic Daily Fee is calculated as a proportion of the basic single Aged Pension and this rate is set by the government as a maximum threshold.
This applies to anyone receiving a Home Care Package, even if they are a part of a couple. The maximum rate is set and is reviewed regularly by the government. This fee is charged each day for the duration of your care package irrespective of whether you received a service on that day or not. It is shown as a charge on your monthly invoice.
2. Income Tested Care Fee
The Income Tested Care Fee is charged to people receiving income over a designated threshold based on a Centrelink assessment. It will be used to contribute to your Home Care Package budge, with the government reducing their contribution to your care by the assessed amount.
If you are receiving the full Aged Pension it is unlikely you will need to pay an Income Tested Care Fee.
How much will the Income Tested Care Fee be?
Income tested fees are calculated on tiers based on your income. Different tiers apply depending on if you are an individual or couple. To find out more about your pension or income tested fee status, please contact Centrelink on 132 300.
Centrelink will notify Carealot as to how much you need to pay, with this amount being shown as a charge on your monthly invoice.
Are there caps on Income Tested Fees?
There are annual and lifetime caps that apply to Income Tested Fees. The annual caps are based on whether you are assessed as a part pensioner or a self funded retiree. Once you have reached these caps, you will not be required to pay any more income tested fees until the next anniversary of the date you first began receiving care. Once you reach the lifetime cap you no longer need to contribute an Income Tested Fee. You may be asked to still pay the basic daily fee.
These caps are published by the government and can be found at www.myagedcare.gov.au
How will the Fees be Collected?
Carealot requires you to complete a direct debit authority from your nominated bank account for the payment of your fees.
Typical fee breakdowns are shown below and commence on the day your Home Care Package agreement commences:
- Full Pensioners: will be asked to pay the Basic Daily Fee, invoiced in advance every month.
- Part Pensioners and Self Funded Retirees: will be asked to pay the Basic Daily Fee, invoiced in advance every month plus any Income Tested Fee as specified by Centrelink. If you don’t have your Centrelink assessment, we will charge you the maximum Income Tested Care Fee until we receive your assessment and we will credit any overpayments back to your account.
What if I don’t pay my invoice?
You are required to pay for your aged care fees each month, as part of the terms and conditions of your Home Care Agreement. Please contact us if you have difficulty paying your bill. Interest may be applied to overdue amounts.
You can apply for a hardship allowance from Centrelink or you are welcome to discuss hardship provisions with us if you cannot afford to pay the fees.
All Home Care Package clients are required to have a budget. Your Case Manager will work with you to prepare a budget, which will take your wishes into account and what you can purchase with your Package Income in order to achieve your health and safety goals. Your budget can be reviewed if your health needs or requirements change.
How much will the government pay toward your package?
We provide both an invoice and statement monthly to all our Home Care Package Clients, ensuring you always receive transparent billing information.
Your statement clearly lays out your Package Income (money available to spend on your package) and Package Transactions (fees charged, expenses accrued and service used for the previous month) for your package.
Your Package Income indicates the total amount you have to spend on you selected home care services. It combines any government subsidies you received for your package and financial contributions you have made.
You are also able to make a voluntary top up payment to your Package Income if you would like to receive more services or if you are a client who does not receive any government subsidies.
Should your package income exceed the cost of your transactions, these funds will accrue in your package budget and the balance will be shown on your monthly statement. These funds can be used in the future if your care needs increase.
Do I have to pay contributions when I’m in hospital or on leave?
Fees are still payable during hospital and social leave. If you use transition care services or residential care respite, Basic Daily Fees are not payable during the leave period but Income Tested Care Fees are still payable.
What happens if I spend my entire budget?
If your needs exceed your budget you will need to discuss care options with our Case Manager. You may need to reduce non-essential services or it may be timely to have your needs re-assessed as you may require a higher level of services.
What happens to unspent funds if I change providers?
Contributions such as top up payments, Income Tested Fees or Basic Daily Fees will be refunded from the date of discharge if paid in advance. All other funds will be retained by Carealot as per the Home Care Program Guidelines to deliver services.
The cost of delivering the services you receive from us is deducted from your Package Income. The contributions and charges in this section are explained below.
Unlimited Access to Your Case Manager
Nobody plans to become ill or injured, which is why having a complete home health care plan carefully managed by our Case Manager, is important.
- You always have someone to talk to – unlimited access to our Case Manager during business hours and on weekdays. If our Case Manager is away we will ensure an alternative Case Manager is always provided.
- Lifetime Support for you on your healthy pathway into the future.
- All-inclusive ongoing assessments for clinical, cognitive, allied health and social support.
- Complete Home Health Care Plan in consultation with your doctor and other health professionals.
- Our Case Manager can help prevent injuries and becoming ill, avoid time in hospital, and lengthy and sometimes painful recovery periods.
- Peace of Mind continues to be our over-aching aim by providing you with a total home health solutions for many years ahead.