With the Australian Government’s Support at Home program beginning in November 2025, some individuals receiving care will be asked to contribute toward their services.
But if you’re thinking, “What if I simply can’t afford it?” — there’s help available.
Financial hardship assistance is designed to make sure no one misses out on essential aged care support because of cost.
Whether you're already receiving services or just getting started, here’s how to find out if you're eligible and what to do next.
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 Support Can It Provide?
If approved, financial hardship assistance can help with:
This ensures your care continues, even if your financial circumstances change.
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.
What Is Financial Hardship Assistance?
Hardship assistance is a government initiative that provides financial relief for people who can’t afford to pay for aged care due to circumstances outside their control — such as low income, sudden expenses, or ongoing financial stress.
If you're eligible, the government may pay all or part of your fees directly to your provider. Each case is assessed based on your individual situation, including:
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Income
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Assets
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Cost of living
The application process will remain consistent as the new Support at Home model takes effect.
