Navigating aged care and disability funding can feel overwhelming.
Between changing systems, complex terminology, strict rules around how funding can be used, and other common funding issues, many people and families find themselves confused, stressed, or unsure if they’re getting the support they’re entitled to.
Whether you’re accessing Aged Care through Support at Home or funded under the NDIS, understanding how your funding works is essential to making the most of your supports.
Here are some common funding issues and challenges we’ve encountered in the industry at KompleteCare, along with how we can help you overcome them.
1. Not Understanding What Your Funding Covers
One of the most common funding issues is simply not knowing what supports are included. Many people aren’t aware of:
- What services they can actually use their funding for
- How many hours of support they’re entitled to
- Whether clinical or allied health supports are included
- What flexibility they have within their plan
This often leads to underusing funding or missing out on services that could significantly improve their quality of life.
2. Funding Not Stretching Far Enough
Another frequent concern is feeling like funding runs out too quickly. This can happen due to high provider fees, inefficient scheduling, duplication of services, supports that are not aligned with real needs, and a lack of planning for long-term goals.
Without guidance, people may use their funding reactively rather than strategically.
3. Confusion Around Plan Management
For NDIS participants, especially, understanding the difference between plan-managed, self-managed, and NDIA-managed can be confusing. Each option has different rules about which providers you can use, how invoices are paid, and what administrative responsibilities you have.
Similarly, aged care clients may struggle to understand package budgets, care management versus service costs, and out-of-pocket contributions.
4. Changes in Needs, But Not in Funding
People’s needs change over time, whether it’s due to ageing, illness, injury, or changes in circumstances. However, funding doesn’t always automatically adjust.
Many clients continue on plans that no longer reflect:
- Increased care needs
- New health conditions
- Reduced independence
- Safety risks at home
This can result in unmet needs, stress on families, or unsafe situations.
5. Feeling Unsupported in the System
Perhaps the biggest issue is feeling like you’re navigating the system alone. Many people report:
- Not knowing who to ask for help
- Being overwhelmed by paperwork
- Difficulty contacting government bodies
- Feeling unheard or rushed by providers
How KompleteCare Helps
At KompleteCare, we understand that funding should empower and support you, not create more barriers. Our role goes beyond simply delivering services. We support you in understanding, managing, and maximising your funding so it works for your life.
Clear, Honest Guidance
We take the time to explain what your funding covers, what services are available to you, and how to prioritise supports based on your goals and needs.
Person-Centred Support Planning
We work with you to build a support plan that makes sense for you, whether that’s:
- Staying independent at home
- Building daily living skills
- Improving health and well-being
- Increasing social connection
- Supporting family carers
Your supports are tailored to your life, not a one-size-fits-all model.
Helping You Make the Most of Your Funding
KompleteCare helps ensure your funding is used effectively by matching you with the right supports and staff, regularly reviewing your needs, and adjusting them as your circumstances change. This means better outcomes, less stress, and more value from your funding.
Support With Reviews and Changes
If your needs have changed, we can assist by identifying gaps in your current supports, providing evidence and reports, supporting reassessments or reviews, and advocating for appropriate funding, so your plan continues to reflect your real needs.
A Team You Can Actually Talk To
Most importantly, you’ll have a team that:
- Listens to you
- Takes your concerns seriously
- Explains things clearly
- Responds promptly
- Builds long-term, trusting relationships
We don’t just provide care, we partner with you.
You Don’t Have to Navigate Funding Alone
Aged care and NDIS funding systems are complex, but you don’t have to manage them on your own. With the right support, your funding can open doors to greater independence, safety, connection and quality of life.
At KompleteCare, we’re here to help you understand your options, make confident decisions, and get the most from your supports, every step of the way.
If you or a loved one needs support with funding issues and beyond, contact our friendly team today on (08) 8265 5696 or fill out the enquiry form on our website.