Understanding the 8 Support at Home Classifications

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From 1 November 2025, Australia’s new Support at Home Program will officially replace the existing Home Care Packages (HCP) and Short-Term Restorative Care (STRC) schemes. This change introduces a simpler, fairer, and more flexible system designed to match older Australians with the exact care they need, when they need it most.

Why Expand from Four to Eight Care Levels?

The new system moves from four HCP levels to eight Support at Home classifications, allowing for a more precise and personalised approach to care at home.

Instead of broad funding tiers, each classification reflects a specific degree of support from light domestic help to complex clinical and palliative care. This structure helps ensure:

  • Older Australians can stay safe, independent, and well supported in their homes.
  • Services and funding are closely aligned with changing care needs.
  • Fewer people experience avoidable hospital stays or premature entry into residential aged care.

In addition to ongoing support, three short-term care pathways will also be available:

  • Restorative Care Pathway – to help regain strength and function
  • End-of-Life Pathway – for comfort-focused care
  • Assistive Technology & Home Modifications funding – for safety and independence at home

The 8 Support at Home Classifications Explained

Each classification provides a set funding amount, issued quarterly and annually. Up to $1,000 or 10% of a quarterly budget can roll over for future needs (like mobility aids or home improvements).

If you currently receive a Home Care Package, your level will transfer directly into the equivalent Support at Home classification:


1. Minimal Support for Independent Living

For those living mostly independently, this level includes occasional help with light household tasks including cleaning, laundry, meal delivery, or short check-ins.
It’s designed to prevent decline and maintain self-sufficiency.


2. Light Personal Care and Social Support

Offers more regular visits for personal care like showering, dressing, or medication reminders. Also includes help with shopping, meal prep, and social outings to support wellbeing and community connection.


3. Moderate Assistance with Daily Living

Provides several weekly visits for routine hygiene, mobility support, and tailored meal preparation. Transport and regular cleaning are included, with added focus on fall prevention and cognitive support.


4. High-Frequency Personal and Domestic Support

Near-daily care helps with personal hygiene, meal prep, and maintaining home safety.
Homes may be fitted with rails or non-slip flooring, and domestic help is provided multiple times a week.


5. Daily Support with Health Monitoring

Care becomes more complex, with daily assistance for medication, catheter hygiene, and physical transfers (like hoisting). Transport to appointments and installation of monitoring devices may be included, alongside regular allied health input.


6. Comprehensive Health and Clinical Care

For people with significant or chronic health conditions, this level includes nursing care (e.g., wound management, injections, blood glucose checks) and regular therapy visits. Homes may be modified for safety, with specialist equipment to support continence and mobility.


7. Intensive Daily Multidisciplinary Care

Involves multiple daily visits from a coordinated care team such as nurses, allied health professionals, and carers. Support covers all aspects of daily living and is typically for people with severe mobility issues or advanced dementia.


8. Highest Classification – In-Home & Palliative Care

The most intensive level of in-home support, focused on comfort, dignity, and end-of-life care.  It may include 24/7 monitoring, specialised medical equipment, and overnight assistance.

Palliative care covers:

  • Symptom management – Addressing pain, nausea, fatigue, breathlessness, and other physical challenges.
  • Emotional care – Providing counselling and mental health support for the individual and their family.
  • Spiritual and cultural support – Honouring personal beliefs, values, and end-of-life preferences.
  • Practical assistance – Helping with care planning, legal matters, and everyday living needs.
  • Coordinated care – A collaborative approach involving doctors, nurses, social workers, and other professionals.
  • End-of-life support – Ensuring comfort, dignity, and guidance throughout the final stages of life.

Whether at home, in a hospital, aged care setting, or hospice, palliative care supports people to live with comfort and dignity for as long as they can.

How Support at Home Classifications Are Determined

Assessments are conducted via My Aged Care, using the Integrated Assessment Tool (IAT) via the Single Assessment System.
They consider your physical health, mobility, cognitive abilities, living situation, and existing supports. You can be reassessed if your circumstances change, for example, after recovery or illness progression.

Support at Home vs. Home Care Packages (HCP)

FeatureHCP (Current)Support at Home (2025)
Levels  4  8
Funding Frequency
Annual

Quarterly
   
FlexibilityModerateHigh
Unspent FundsAnnual rolloverLimited quarterly rollover
Provider ChoiceRestricted  Easier to change
Service ScopeBroad categoriesClearly defined
Care PlanningProvider-ledConsumer-driven
FocusBasic-to-high supportTailored, adaptive, person-centered care  

This new model gives participants more control, transparency, and adaptability over how their care funding is used.

What It Means for You

  • Your care level and funding will directly reflect your individual needs.
  • You can be reassessed and moved to a higher classification as your condition changes.
  • Current recipients keep their funding under the new system until reassessed.

What It Means for Providers

  • Funding will be tied directly to assessed care levels.
  • Greater transparency ensures resources are spent effectively and appropriately.
  • Providers can plan more precisely around client needs and service delivery.

Making the Transition Work for You

Understanding these new classifications helps you make informed choices about the services that best fit your life.

The goal of the Support at Home Program is to support dignity, independence, and comfort, helping older Australians age safely and happily in their own homes. If you’re unsure where to begin, contact My Aged Care or an independent care coordinator for free, professional guidance through the process.

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Comments
  1. Present Provider is 6-8 weeks behind with financial statements. This will result in a situation where clients at the end of a quarter may have over spent on their HCP entitlement. What will happen when this happens.
    My Provider does not have an online access system which would enable me to regularly monitor my financial situation. Such a system would need to be no more than one week in arrears.

    1. My provider provides statements monthly and will continue to do so under Support at Home to assist participants in monitoring their expenditure and to avoid falling into arrears.

  2. The new system is neither fair nor recipient focused. Our rights are nebulous to say the least. Please listen to recipients they are very stressed and unhappy.

  3. Why are we only hearing these details, two days before the SAH introduction.
    Frustration is the name of the game!

  4. On a current level 3 package I’ve been told I’ll be no worse off after November 1st. Not true. Under the current package i can save for a high low bed but under SOP, i can only carry 1k of savings after each quarter and the cost is way more and than the 15k allocated for purchase plus monthly rent for one month is way more than is left after other services are paid for

  5. I have found that I have had to switch providers. My provider is increasing my fees by 6.98%. Unacceptable as I would have less services. My new provider has advised that even though it is possible to carry over 10% of funding each quarter that carryover funding must be spent in the new quarter or you lose funding.
    My thinking is that 1 November we will get 2 months funding to align with the quarterly dates. If you are grandfathered HCP then you can carry any unspent funds over but they will be used against big items you may need. I have no problem with this.
    I believe that most providers have increased their fees – charging the legislated 10% and then a fee for uploading and paying invoices. They are saying that they manage your care. I believe that most of us manage our own care and that providers are simply there to ensure that funds are spent appropriately. Tey simply build a datebase using information provided by the recipient.
    I self-manage but unless your provider is honest with you and explain their functionality within the system then a lot of us will be left in the wind.
    Providers should have to be up-front with how they are charging their fees. I manage my own care: make all my dr appointments, order my own cabs, pick up my medications and any and all other arrangements that have to be made to ensure that I am okay.
    I do not want to see SAH funding blow out to the same extent as NDIS.

  6. I can no longer afford to have support or care due to being expected to pay a percentage of the cost of services.
    I was on the top tier and never had to pay anything from my megre pension!
    This is nothing short of piracy!!!
    I don’t have spare funds as I have to live on the Disability Pension. My rent is currently $540 per fortnight, and it goes up every year!!!
    This change will lead to many aged people living on the streets with zero support from anyone!!!
    This is worse than piracy, it is highway robbery of the most vulnerable people, namely we the aged!!!

  7. My husband was placed on Level Four in late June as he was reassessed and found to have greater needs as his memory, dependence and overall physical health had rapicly declined. At that time I had had a total knee replacement and have had a chronic health condition from years of nursing. I arranged Day care with the providers plus two hours of cleaning per week and mowing fortnightly or monthly. I was paying approximately $370 per month but with this change my payments have increased to approximately $800 per month- due in part to the rise in management fees. For example, cleaning went from$85 per hour to $125 per hour. I have decided to do the cleaning myself which I can manage in short bursts and will start mowing again (in short bursts). My husband can give me absolutely no help and in fact, increases my workload and I am increasingly becoming more and more isolated. So, the new scheme is not better but has forced me and others off services.

  8. As a community nurse I am concerned that private business providers will also be assessors. Copayment is also beyond a lot of people. Already many have to decide between food ,medicine, bills. Now basic care needs will be added to this list.

  9. A comment on Support at home otherwise known as the Great Rip Off|
    While I realise that providers fees have been reduced to 10% and they need to recover lost funding. Some providers are ripping off clients. eg The cost of say Physio is $45.00 some providers are charging $300+ to clients the same is being charged for a range of client needs