As the government prepares to roll out the new Support at Home program in November 2025, many older Australians are wondering how much it will cost—and what happens if they can’t afford to contribute.
The reality is, some out-of-pocket costs will apply.
But if you're worried about being able to pay, there is help available.
The Australian Government has confirmed that financial hardship assistance will be offered to those who need it.
Here’s what you need to know.
Who Can Apply for Financial Hardship Support?
Your eligibility for hardship assistance depends on when you started receiving home care services.
If you started before 1 July 2014
Previously, you weren’t eligible for hardship assistance. But under the new Support at Home program, from 1 November 2025, you’ll be able to apply if you’re having trouble covering your costs.
If you started on or after 1 July 2014
You may already be receiving financial support with your fees. Once the Support at Home changes take effect, you’ll still be able to apply for additional help if you’re experiencing financial stress.
If you already have hardship support in place
Your existing assistance will automatically carry over to the new system. Just check the expiry date on your approval letter to know when you’ll need to reapply.
If you're entering Support at Home for the first time
You can apply for hardship assistance through Services Australia if you're unable to cover your contributions to:
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Independence services (such as personal care or home modifications)
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Everyday living services (like domestic help, meal preparation or social support)
What Is Hardship Assistance?
Hardship assistance is a government initiative designed to help people who are unable to pay for aged care due to circumstances outside their control—such as low income, unexpected medical expenses, or financial strain.
If approved, the government may cover part or all of your aged care fees. Each application is assessed individually, based on your:
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Income
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Assets
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Living expenses
This ensures the support goes to those who truly need it.
The application process for hardship assistance will remain the same after the Support at Home program begins.
What Costs Can It Help With?
Hardship assistance may cover:
If approved, the payments are made directly to your provider so your care can continue without disruption.
What Happens During the Application Process?
Once you apply, you won’t be expected to pay your aged care contributions while your application is under review.
If your application is approved, you’ll be told:
- How much support you’ll receive
- How long it will last
- Whether a cost cap applies
If your application is unsuccessful, you may need to back-pay your regular contribution from the assessment period.
That’s why it’s a good idea to apply early and ensure all documentation is submitted correctly.
