If you're starting to explore residential aged care for yourself or someone you love, you've probably noticed that accommodation costs can seem quite daunting.

If you or a loved one are entering residential aged care you might be asked to contribute towards this care through a Non-Clinical Care Contribution (NCCC).

If you or a loved one is moving into aged care, you’ve probably noticed that room prices are going up.

Big changes are on the way for aged care, with new rules starting from 1 November 2025.

Guidance for Families Facing Important Decisions 

Expert Advice from an Aged Care Specialist Financial Planner

Change is often met with resistance, especially when it feels out of our control.

Changes to aged care fees are coming, and they will impact both home care and residential care. 

Money you pay as a lump sum for your residential aged care room will be refunded to your estate – so what do you need to know about when and how your money is refunded.

Cashflow planning is important when moving into aged care, but plans can be thrown into chaos if your first invoice shows much higher fees than expected.

Moving into residential aged care can be a stressful period with complicated rules, family conflicts and rushed timeframes. 

Second marriages may present additional financial challenges when balancing day-to-day expenses with implications for aged care funding.

If the prices for a room in residential care have caused you alarm and led to concerns about how to find such large lump sums, you are not alone. 

Understanding the refund rules for RADs (Refundable Accommodation Deposit) may remove some of the stress and worry with a move into residential care. 

The daily fees you will be asked to pay for residential aged care are based on your financial situation.

Two things happened on 1 October that have seen aged care costs increase for some people in residential care – the interest rate increased and so did the maximum daily means-tested care fee.

If the prices for a room in residential care have caused you alarm and led to concerns about how to find such large lump sums, you are not alone.

Fees in residential aged care are means-tested, but the rules are complicated. This article explores the three key facts you need to know about means-tested fees. 

Retirement village living and residential care are often seen as alternatives, but the fact is they are not true substitutes.

Aged care seems expensive, and comes at a time when your finances may be dwindling.