Steps to claim

Complete the following steps to claim aged care financial hardship assistance.

You can claim if all of the following apply:

If you get a Home Care Package, your care must have started on or after 1 July 2014.

Before you claim, you should update your income and asset details as well as your partner's, if you have one.

You may also be eligible for other payments and services.

Steps to claim aged care financial hardship assistance

1. Calculate your cost of care

We may have already calculated your cost of care if you’re currently either:

  • getting a home care package
  • in residential care.

We usually calculate your cost of care when you start getting aged care services. How we do this depends on the type of care you’re getting. Find out more about how we calculate this for home care and residential care.

If we couldn’t calculate your aged care costs when you started getting care, we need to do this before you can claim financial hardship. You don’t have to give us your income and asset details, but if you don’t we can’t complete your calculation. This means we cannot assess your claim for financial hardship assistance.

If we haven’t calculated your cost of care you’ll need to complete the Aged Care calculation of your cost of care form.

To check if we’ve completed a calculation of your cost of care, call us on the Aged Care line.

2. Check your assets meet the requirements

The value of your assets must be less than the current threshold. You can find out what the threshold is for financial hardship assistance on the myagedcare website. This excludes any assets you can’t sell or borrow against.

If you’ve paid a lump sum accommodation payment to a residential aged care home, this is an asset.

3. Check your gifts meet the requirements

You can’t have made gifts of more than either:

  • $10,000 in the previous 12 months
  • $30,000 in the previous 5 years.

Gifts include transferring ownership of an asset for less than its market value. If you’ve done this, the difference between the market value and what you got for it is assessed as the gift.

Don’t include the value of assets given away at a time you were incapacitated. For information on misappropriation, see assets you can’t sell or borrow against in the claim form.

4. Get your documents ready

With your form you need to send documents that prove all of the following:

  • some of your aged care costs
  • your other essential expenses
  • any assets you can’t sell or borrow against.

If you don’t send the documents when you claim, we’ll ask you for more details. If you don’t send them within 28 days we’ll reject your claim.

You can find information about essential expenses and assets you can’t sell or borrow against in the claim form.

5. Claim

Complete the Aged Care claim for financial hardship assistance form.

It asks for details of your assets and expenses. Send the form and your documents to us. The address is on the form.

You can claim as soon as you’re having trouble paying your costs.

If you don't agree with our decision you can call us on the Aged Care line.

Page last updated: 18 March 2021