A: Understanding how to fund home modifications can often feel confusing due to multiple options, eligibility criteria, and wait times.
To simplify things, we've outlined the three main funding pathways below, along with clear advantages, potential disadvantages, average wait times, and steps to access each one.

When it comes to paying for in-home nursing care, there are three main options:
1. Private Funding
Private funding enables you to pay directly for home modifications, allowing immediate implementation tailored exactly to your requirements.
Advantages
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Immediate access (no wait times)
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Complete flexibility to choose providers and modifications
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Customised modifications tailored precisely to your needs
Potential Disadvantages
Average Wait Time
Steps to Access Private Funding:
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Identify your required home modifications
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Contact your preferred home modifications provider
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Obtain a quote and arrange modifications directly
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Pay out-of-pocket for immediate completion
2. Home Care Package (HCP) Funding
Home Care Packages provide government-funded assistance to older Australians requiring significant home modifications to safely continue living at home.
Advantages
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Government subsidies significantly reduce out-of-pocket costs
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Comprehensive and coordinated support from planning through to completion
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Ability to select your preferred modification provider
Potential Disadvantages
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Longer wait times due to assessment and queue processes
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Some modifications might not be fully covered, limited by government guidelines
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Restrictions on types of modifications permitted (e.g., major structural changes often not approved)
Average Wait Time
Steps to Access Home Care Package Funding:
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Contact My Aged Care to request an assessment
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Complete an in-home assessment by the Aged Care Assessment Team (ACAT)
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Receive your assessment outcome and assigned package level (Level 1–4)
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Enter the national priority queue to await funding
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Once funding is allocated, engage your preferred modifications provider
3. Commonwealth Home Support Programme (CHSP)
CHSP provides entry-level government-funded support for essential home modifications to assist older Australians with minimal to moderate needs.
Advantages
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Faster access compared to Home Care Packages
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Subsidised essential modifications (e.g., rails, ramps, simple bathroom adjustments)
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Ideal for those needing minor adjustments to remain safely independent
Potential Disadvantages
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Limited scope of eligible modifications
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Generally only covers basic and minor modifications; major or extensive changes not permitted
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Funding limitations may require out-of-pocket contributions
Average Wait Time
Steps to Access CHSP Funding
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Contact My Aged Care for initial screening
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Undergo a brief home assessment to confirm eligibility
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Receive approval and referrals to local CHSP home modification providers
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Contact your referred provider to organise modifications
For personalised assistance or further guidance, please contact our team directly on 1800 778 767.