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Plan now for Aged Care now so you’re clear on what you want

Financial Framework Aged Care Planning ahead image.jpgThe move to Aged Care can be emotional and scary. And it usually happens in a rush, with little time to make important decisions. But those decisions are probably going to affect the rest of your life, as well as that of your family.

So, why not plan ahead? You may never need to move to Aged Care, you may be able to spend all your time at home or with family. But if the need should arise, you should know what to expect, where you want to go and how to prepare yourself emotionally and financially.

Read more about the steps required when you’ve decided on your home here.

What decisions need to be made?

You should discuss your decision with your family and anyone close to you. They can help you with some of the decisions that need to be made, it can also give them peace of mind to be involved with the process.

Have a think about location – do you want to be close to your friends, family, the neighbourhood you’ve lived in? Pick a location that works for you and hopefully, doesn’t inconvenience your family.

Then think about the services and amenities available, do you swim everyday or want to be able to take a walk through beautiful gardens? These are all important for your emotional as well as physical well being. You may also want to be in a place that aligns to your religious beliefs.

Before you can apply to an Aged Care facility, you’ll need to be assessed to understand the physical support required, this will also have an impact on the facility you move to.

Once you have a shortlist, arrange to visit the facilities and see for yourself what they are like. Most facilities will offer respite care, where you can stay for a short time to really get a feel for the place.

If you like what you see, you can ask to be put on a waiting list, and you can apply to be on the waitlist for more than one facility. However, if you’re perusing ‘just in case’, then make sure you tell your family which home you find the most suitable.

We have some information available here on funding your move to Aged Care.

How to broach the subject with your loved one

Perhaps you think it’s time for a loved to enter care, how do you even start that conversation? We think the answer is with love, compassion and understanding that change, and a loss of independence, is scary.

We suggest starting gently at a time and place where your loved one is comfortable. Show concern and let your loved one know that they are in control. A determined “no” can be hard to deal with however, if their health and security is at risk then you’ll need to be firm and clear about the reasons why care may be an option. We also have some information on in-home care if this is a better option and perhaps a way to transition to further care options.

Discussing the steps above can also help, again letting them know they are in control and there are a range of options available. Touring some facilities can also be helpful in showing the level of independence available, as well as some of the social activities.

Conclusion

We can help you, or your loved one with determining the costs, protecting assets, maximising Centrelink entitlements and ensuring access to funds to maintain the lifestyle you want. Give us a call and speak to one our Accredited Aged Care Professionals. Whether you’re in a hurry, or just thinking this might be the next step for you or your loved one, we can assist.


It is very important that you understand that the information above is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser. It is also worth noting that the Australian financial and taxation system is ever changing, and the information above may no longer be relevant. Again, we suggest seeking professional advice from a financial adviser before proceeding.

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