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What to Expect from Your NDIS Support After Age 65

Last Updated on 10 months ago by Temitope Isola

Estimated reading time: 4 minutes

Many Australians receiving NDIS support approach age 65 with a mix of anticipation and uncertainty. What happens to your support once you cross that threshold? Will you still have access to the services and assistance you rely on?

This article walks through what to expect, outlining your options and rights. With the right information and planning, you or your loved ones can continue receiving support without disruption.

Table of contents

Key Takeaways

  • If you joined the NDIS before turning 65, you can stay on it for life.
  • If you apply after 65, you’ll be directed to aged care support through My Aged Care.
  • Both systems meet care needs, but they differ in flexibility, funding, and management.
  • Early planning and the right provider can make transitions smoother and less stressful.

Understanding the NDIS Age Cut-Off

The National Disability Insurance Scheme (NDIS) is available to Australians who join the scheme before they turn 65. Once you’re in, you’re in; you don’t lose access at 65, and there’s no need to reapply.

If you’re applying for support after turning 65, however, your pathway shifts to the aged care system. Most commonly, this includes services under the Home Care Package (HCP) program, which supports older Australians to remain at home safely and independently.

What Happens If You’re Already on the NDIS

If you’re already an NDIS participant, your support continues as usual. Many people choose to stay on the scheme after 65, particularly those with complex or long-term disabilities who value the control and flexibility the NDIS provides.

You retain your choice of providers, your preferred support workers, and the capacity to manage your plan (including self-management). Some providers make this transition feel invisible by ensuring the same care team stays with you, and administrative tasks are handled seamlessly in the background.

If You Apply After 65: Your Aged Care Pathway

Australians who apply for disability-related support after the age of 65 are assessed through My Aged Care. After an initial assessment, eligible individuals may receive a Home Care Package, which is structured differently from the NDIS.

These packages offer funding for services such as:

  • Personal care (e.g., showering, dressing)
  • Help around the home (cleaning, meal preparation)
  • Transport for appointments or social activities

There are four levels of Home Care Packages, ranging from basic to high care needs. While these supports are robust, aged care plans are generally less flexible than the NDIS and offer fewer options for self-management.

Real-Life Transitions and Common Frustrations

Many Australians approaching 65 feel anxious about transitioning to a new system. Common concerns include:

  • Fear of losing existing support
  • Navigating unfamiliar processes
  • Less personalisation or flexibility

The best way to move forward is to communicate this to your home care provider. They’ll help make the transition smoother for you.

How Providers Handle the NDIS-to-Aged Care Transition

A proactive provider can make all the difference. Leading organisations begin planning well before a client turns 65. This includes:

  • Monitoring plan expiry dates
  • Assessing future support needs
  • Preparing the necessary documentation early
  • Coordinating with NDIS and My Aged Care support to make the transition

Technology now plays a key role in smoothing transitions. Many providers now rely on NDIS and home care softwares that handle aged care and disability plans in one place, helping clients, support workers, and coordinators stay on the same page.

Conclusion

Turning 65 doesn’t mean the end of disability support; it simply marks a change in how it’s delivered. Whether you continue with the NDIS or move into aged care supports, the right plan and provider will ensure your needs are still met.

With the proper guidance, older Australians can continue living independently and with dignity, supported every step of the way.

Action Steps

  • Under 65 and eligible? Apply for the NDIS now, don’t wait.
  • Already on the NDIS? Talk to your provider about long-term care planning.
  • Unsure of your path? A care coordination service can walk you through your options and help manage the paperwork.

Frequently Asked Questions

Can I still get NDIS after 65?

Only if you were approved before your 65th birthday.

Can I switch to aged care after 65?

Yes. You can transition to My Aged Care and receive support through a Home Care Package.

Is support through aged care more limited?

It depends on your needs. Aged care support is comprehensive, but it’s structured differently from the NDIS.

Do I lose my current carers?

Not necessarily. Many providers offer continuity of care across both systems.