1. What is a Consumer Directed Care (CDC) in Home Care Package?
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A Home Care Package is Government funding to pay for in home aged care services for Senior Australians, to enable you to stay in your home for longer and delay moving into a nursing home prematurely, or at all. The Home Care Package Program has been reformed and is now offered on a Consumer Directed Care (CDC) basis. This means you, the consumer, now has the power to make decisions about the aged care support you need, within the Government’s Program Rules. You also have the power to choose your Home Care Package Provider and transfer to another Approved Provider if you are not satisfied.
Knowledge is power, that’s why we have written this Definitive Guide to Home Care Packages to educate and empower you. Please take your time to read it and also feel welcome to ring us and we will answer your questions. Better still, why not come along to our Free Information Session: How to Avoid the Nursing Home where you will learn many valuable tips on how to apply for your Home Care Package and what you really need to do to Avoid the Nursing Home.
For many, the 10 minutes one-on-one chat at the end of the seminar with one of our Care Managers or the presenter is the most valuable benefit because it is advice tailored to you.
We all know the Government Subsidises Aged Care in Nursing Homes…
… unfortunately a staggering number of older Australians and their adult children, Enduring Guardians and Enduring Power of Attorneys don’t know that the Government also provides 4 levels of Government Funding or Home Care Packages (HCPs), to help senior Australians pay for their aged care and nursing support in their own home – this is called the Home Care Package Program.
With Daughterly Care on your team, Home Care Packages are fully funded for Pensioners and Subsidised for Part Pensioners and Self-Funded Elders. More about that in Section 4 of our Guide. First, read on to find out how much care a Home Care Package provides and who is eligible to receive one.
How Many Hours of Support and Care per Week does Daughterly Care Community Services Provide with your Home Care Package?
|Home Care Package Level
||Hours^ Care Per Week
No Basic Daily Care Fee (BDCF)
|Hours^ of Care Per Week
With Cognitive Supplement
^These hours are an estimate based on Government Funding, Government set fees such Income Tested Care Fee and our Caregiver services provided during the day, Monday to Friday. It assumes the Basic Daily Care Fee has been waived. If you require night or weekend care, Registered Nurse or Allied Health services, mileage, equipment hire and nursing resources paid by your Home Care Package, it will use some of your budget reducing the hours of care your Government Funded Home Care Package can pay for. Before you sign a Home Care Package Agreement with Daughterly Care Community Services we give you a budget and estimated dollar amount that can be spent on care and services including the hours of care your package can afford.
There are 4 levels of Government subsidised Consumer Directed Care (CDC) Home Care Packages. (Valid from 20/9/2020)
|Consumer Directed Care Package
||Home Care Package Per annum p/person
||11.5% Supplement* Per annum p/person
||Total Govt. Subsidy Per annum p/person
*A 11.5% pa supplement is payable for the following conditions:
1. Cognition supplement or
2. Veterans’ mental health supplement
Oxygen and enteral Feeding supplement pay 10% pa
There are also Viability and Hardship supplements.
Am I eligible for a Government subsidised Home Care Package?
Eligibility for a Government subsidised Home Care Package (HCP) is determined by your in home care needs which are assessed by your local Aged Care Assessment Team (commonly known as ACAT).
ACAT operate out of your local public hospital. They visit your loved one in their home to assess:
- their in home care needs;
- decide which of the 4 levels of Home Care Package they need;
- decide what priority they will have on the waiting list for their Home Care Package called the National Queue, managed by My Aged Care.
You don’t need to read the full Government Guidelines for in Home Care Package issued by the Australian Government, Department of Social Services, under 3.1 under eligibility criteria. Here is an excerpt:
‘for a person to be eligible for a Home Care Package, the person must:
- be assessed as having needs that can only be met by a co-ordinated Home Care Package of home care and nursing services;
- be assessed as requiring a low level of home care (for home care levels 1 or 2) or a high level of home care (for home care levels 3 or 4);
- have expressed a preference to live at home (includes a resident in independent living and assisted living (hostel) in a retirement village);
- be able to remain living at home with the support of a Home Care Package;
- for a person who is not an aged person – have no other care facilities or care services more appropriate to meet the person’s needs.’
How could your quality of life be improved by the Government paying up to
$57,764.90 per person, per annum for your in home aged care?
Are self-funded Elders eligible for a Government Funded Home Care Package?
Yes, they are.
Home Care Packages are a universal health care benefit available to all Elders whose care needs require the need for co-ordinated assistance. The international evidence is that when in home care is professional and of a good quality then in home care:
✓ prevents hospitalisations by getting health issues sorted earlier by your Caregiver observing changes and taking you to the doctors proactively;
✓ delays nursing home placement (often for years);
✓ it can help most Elders avoid the nursing home altogether;
✓ retains family and social connections;
✓ assists Elders to maximise their health, wellness and independence for as long as possible; and
✓ enables more joyful living (which prevents or reduces depression from the losses older people experience).
There is specific financial information for self-funded Elders on our page “what are the costs of a Home Care Package“ including the real financial benefit of a home care package for a self-funded person after they have paid the Income-Tested Care Fee.
Who gets priority access to a Government subsidised Consumer Directed Care (CDC) Home Care Package?
From the 27th of February 2017, the ACAT (Aged Care Assessment Team) decides the priority allocation of Home Care Packages (HCPs). Elders on the National Prioritisation List (NPL) are prioritised solely based on the date of their ACAT Assessment and the priority (low, medium, high) that ACAT gives them.
Under the Aged Care Act 1997, Elders who identify with, or belong to, one or more of the following 9 groups are recognised by the Government as having special needs:
So if you identify with any of these groups, please tell the ACAT Assessor. There are other factors that affect your priority status such as legally blind, age, existence of support, care already in place and ability for the carer and Elder to cope.
On the 27th of February 2017, the Government funding for each Elder’s Home Care Package became truly ‘Consumer Directed Care (CDC)’ because Elders and their families or Enduring Guardians now have the power to transfer their Government funding away from their Current Approved Provider who:
- doesn’t provide quality Caregivers, Live in Carers and Nurses;
- doesn’t answer the phone;
- doesn’t listen;
- doesn’t provide good service;
- doesn’t provide fair value or enough hours of in home care and support to transfer to a New Breed of Approved Provider who does… like Daughterly Care Community Services.
- Makes lots of administration errors that eat up your Home Care Package funds incorrectly.