What Happens to My NDIS Plan When I Turn 65?

The National Disability Insurance Scheme (NDIS) is helping countless individuals with disabilities to live independently. Under this scheme, participants below 65 can receive support and funds to lead a fulfilling life. However, many participants wonder, ‘What happens to my NDIS plan when I turn 65?’

NDIS Age Limit

Understanding the eligibility is important to know how the system works and to plan your future support needs effectively. This raises the question: does NDIS have an age limit? Yes, it does. You must be younger than 65 on the day you apply for the NDIS to be eligible for funding. Upon reaching 65, you will need to decide if you want to transition to the aged care system, specifically through My Aged Care.

Can Seniors Retain NDIS After They Turn 65

The program is designed to help people with permanent and significant disabilities under 65. So, when does NDIS funding stop? Unfortunately, an individual who is 65 or older cannot apply for this scheme. However, an existing NDIS participant can switch to the aged care system.

If you decide to leave the NDIS and seek support from aged care services, you must notify the NDIS in writing. This written request is essential because verbal requests are not accepted. Furthermore, if you are already receiving ongoing home care assistance or live in a residential aged care facility when you turn 65, you will be automatically transitioned to the Commonwealth aged care system.

NDIS eligibility over 65 may vary depending on individual circumstances; many people can continue receiving support and work with planners to achieve their goals. If you choose to leave the NDIS, your participation will officially end on the date you submit your written request. After this point, you will no longer have access to NDIS funding or support. It’s important to note that once you have requested to leave, you cannot request an internal review of this decision, as the law mandates that your removal from the NDIS is automatic upon your written request.

What Is the Difference between the NDIS and the Commonwealth Aged Care System?

For individuals aged 65 and older who do not meet the eligibility criteria for the NDIS, there is a specific program called the Commonwealth Continuity of Support Programme. This program provides support for:

• Individuals aged 65 and over, or 50 and over for Aboriginal and Torres Strait Islander peoples.

• Those assessed as ineligible for the NDIS at the time it rolls out in their region.

• Existing clients of state-administered specialist disability services when this program begins in their area.

While both systems aim to support individuals, their focus and structure differ significantly. Here are the key differences between the two schemes:

• Target Population:

  The NDIS is designed for individuals under 65 who have a permanent and significant disability. However, those aged 65 and over can access support through the Commonwealth Aged Care System, specifically My Aged Care.

• Type of Support:

  Under NDIS, the person receives support directly related to their disability. They can get help with assistive technologies, home modifications, or skill building for employment. Under aged care, the individual receives home care, nursing assistance, etc. These services mainly focus on helping older individuals maintain their daily activities and overall well-being.

• Eligibility:

  The NDIS age cut-off is below 65. Also, the participant must have a permanent or significant disability that impacts their quality of life. In contrast, Aged Care participants do not require a specific disability to be part of the program. However, they must be 65 or older.

Support under NDIS

The NDIS provides tailored support based on the unique needs and aspirations of an individual. Some of the key services include:

• Therapeutic Supports:

  Under NDIS, a person can receive physiotherapy, occupational therapy and other assistance to improve functional capacity.

• Assistive Technology:

  Some people with disabilities need devices to make their lives easier. The NDIS provides funding to purchase equipment such as wheelchairs, hearing aids, and communication tools to promote independence.

• Home Modifications:

  An individual with a disability can get funds to modify their home under the scheme. It could include structural changes, like ramps or widened doorways, to make living spaces more accessible.

• Community Participation:

  Social and community participation activities help a person with a disability to build self-confidence and maintain connections. These programs help individuals engage in community, educational, or employment opportunities.

Support with My Aged Care Systems

My Aged Care provides comprehensive services aimed at supporting the elderly. It helps older adults to maintain their health and independence as they age. They include:

Services for Getting Out and Staying Social

• Social Outings, Groups, and Visitors:

  This service helps you stay social and connect with your community through outings and group activities.

• Transport:

  Assistance is available to help you get to appointments and community events.

Services for Getting Some Temporary Help

• Day and Overnight Respite:

  This service provides short breaks for you and your carer, allowing both of you to rest.

• Help to Restore Independence:

  Support is offered to help you regain skills for everyday tasks.

• Transition Care After Leaving Hospital:

  This service assists you in recovering and regaining independence after a hospital stay.

Services for Keeping You Well

• Bathing, Hygiene, and Grooming:

  Help is available to maintain your personal hygiene and grooming standards.

• Help with Impairments or Continence:

  This service supports you in managing specific conditions to maximise your independence at home.

• Meals and Food Preparation:

  Assistance is provided to ensure you continue to eat well.

• Nursing Services:

  Nurses can help monitor and treat medical conditions at home.

• Podiatry, Physiotherapy, and Other Therapies:

  These services help maintain your movement and mobility.

Services for Keeping Your Home Liveable

• Aids to Stay Independent:

  Equipment is provided to assist with mobility, communication, and personal care.

• Changes to Your Home:

  Modifications can be made to improve safety and accessibility in your home.

• Cleaning, Laundry, and Other Chores:

  Help is available to keep your home clean and organised.

• Home or Garden Maintenance:

  This service assists with maintaining a safe environment in your home and garden.

Select the Right Programme for Your Needs

Assessing your situation carefully is vital as you age. It’s essential to consider which service best meets your needs. For personalised advice and support options, we encourage you to reach out to our team at Western Support Services. We are dedicated to guiding you through your choices and ensuring you receive the best possible care during this transition in life.

At Western Support Services, we offer a range of support tailored to your needs. Our services include assistance with daily tasks, mobility aids, and access to healthcare professionals. We aim to empower you to live independently and maintain a high quality of life. Do you have more questions? Our team at Western Support Services in Melbourne can help. Call us on 0434 610 012 or email us at info@westernsupportservices.com.au to know more.