A: Paying for in-home care can often feel confusing due to multiple funding options, eligibility criteria, and wait times.
To simplify things, we've outlined the three main options below, along with clear advantages, average wait times, and steps to access each one.

When it comes to paying for social support, there are three main options:
1. Paying for Carers Privately
Advantages:
- Immediate access (no government wait times)
- Flexibility to choose your preferred provider
- Fully customisable care tailored to your specific needs
Average Wait Time:
Steps to access care privately
- Contact your preferred nursing provider
- Discuss your specific care requirements and request a quote
- Schedule your services at a convenient time
- Pay directly out-of-pocket
2. Home Care Package Funded Social Support
Home Care Packages are government-funded programs providing financial support to older Australians who need ongoing care at home.
Advantages
- Government subsidies can significantly reduce out-of-pocket costs
- Access to other comprehensive and coordinated nursing and support services
- Freedom to select your preferred care provider
Average Wait Time
- 3–12+ months depending on assessed care needs and package availability
Steps to access a Home Care Package
- Contact My Aged Care to request an assessment
- Complete an in-home assessment by the Aged Care Assessment Team (ACAT)
- Receive your assessment outcome and assigned package level (Level 1–4)
- Enter the national priority queue to await funding availability
- When funding is allocated, select your preferred nursing care provider
3. Commonwealth Home Support Programme (CHSP):
CHSP offers entry-level support services for older Australians with minimal care needs.
Advantages
- Faster access compared to Home Care Packages.
- Subsidised basic support services.
- Suitable for people needing minimal assistance to remain independent.
Average Wait Time
- 2–6 weeks from assessment to service commencement.
Steps to access CHSP services
- Contact My Aged Care for initial screening
- Undergo a brief home assessment to determine eligibility
- Receive approval and referrals to local CHSP providers
- Contact your referred provider to organise care services
For personalised assistance or further guidance, please contact our team directly on 1800 778 767.