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Planning for old age? Here’s what the aged care changes mean for you

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/anam-bilgrami-1179543">Anam Bilgrami</a>, <a href="https://theconversation.com/institutions/macquarie-university-1174">Macquarie University</a></em></p> <p>Last week, Parliament passed sweeping reforms to Australia’s aged care system. These “<a href="https://www.health.gov.au/ministers/the-hon-anika-wells-mp/media/once-in-a-generation-aged-care-reforms">once-in-a-generation</a>” changes, set to begin next year on July 1, aim to improve how care is provided to older Australians at home, in their communities and in nursing homes.</p> <p>The new Aged Care Act focuses on <a href="https://insideageing.com.au/new-aged-care-act-passes-parliament-ushering-in-historic-reforms/">improving quality and safety, protecting the rights</a> of older people and ensuring <a href="https://www.myagedcare.gov.au/news-and-updates/big-changes-aged-care-sector">the financial sustainability</a> of aged care providers.</p> <p>A key change is the introduction of a new payment system, requiring wealthier people to contribute more for non-clinical services.</p> <p>If you – or a loved one – are planning for aged care, here’s what the changes could mean for you.</p> <h2>What to expect from the home care overhaul</h2> <p>Over the past decade, there’s been a noticeable shift towards “ageing at home”. The number of Australians using home care has <a href="https://www.gen-agedcaredata.gov.au/getmedia/2fbaacd8-1fbf-4ef5-ab1c-72dfc4c727bf/People-using-aged-care-fact-sheet-2023.pdf?ext=.pdf">more than quadrupled</a>, surpassing those in nursing homes.</p> <p>To meet growing demand, the government is adding <a href="https://www.health.gov.au/ministers/the-hon-anika-wells-mp/media/press-conference-parliament-house-25-november?language=en">107,000 home care places</a> over the next two years, with a goal to reduce wait times to just three months.</p> <p>Starting July 1 2025, <a href="https://www.health.gov.au/our-work/support-at-home/about">Support at Home</a> will replace the <a href="https://www.myagedcare.gov.au/help-at-home/home-care-packages">Home Care Packages</a> program. The table below shows some of the key differences between these two programs.</p> <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/636472/original/file-20241205-19-phkljj.png?ixlib=rb-4.1.0&q=45&auto=format&w=1000&fit=clip"><img src="https://images.theconversation.com/files/636472/original/file-20241205-19-phkljj.png?ixlib=rb-4.1.0&q=45&auto=format&w=754&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/636472/original/file-20241205-19-phkljj.png?ixlib=rb-4.1.0&q=45&auto=format&w=600&h=546&fit=crop&dpr=1 600w, https://images.theconversation.com/files/636472/original/file-20241205-19-phkljj.png?ixlib=rb-4.1.0&q=30&auto=format&w=600&h=546&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/636472/original/file-20241205-19-phkljj.png?ixlib=rb-4.1.0&q=15&auto=format&w=600&h=546&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/636472/original/file-20241205-19-phkljj.png?ixlib=rb-4.1.0&q=45&auto=format&w=754&h=686&fit=crop&dpr=1 754w, https://images.theconversation.com/files/636472/original/file-20241205-19-phkljj.png?ixlib=rb-4.1.0&q=30&auto=format&w=754&h=686&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/636472/original/file-20241205-19-phkljj.png?ixlib=rb-4.1.0&q=15&auto=format&w=754&h=686&fit=crop&dpr=3 2262w" alt="" /></a><figcaption><span class="attribution"><span class="source">Department of Health 2024</span></span></figcaption></figure> <p>Home Care Packages are currently delivered under <a href="https://www.myagedcare.gov.au/help-at-home/home-care-packages">four annual government subsidy levels</a>, covering care and provider management costs. Under Support at Home, <a href="https://www.health.gov.au/our-work/support-at-home/features">the number of home care budget levels will double to eight</a>, with the highest level increasing to A$78,000.</p> <p>This aims to provide more tailored support and accommodate those needing higher levels of care.</p> <p>Under the new system, recipients will receive quarterly budgets aligned to their funding level and work with their chosen provider to allocate funds across <a href="https://www.health.gov.au/sites/default/files/2024-11/support-at-home-service-list.pdf">three broad service categories</a>:</p> <ul> <li> <p>clinical care, such as nursing or physiotherapy</p> </li> <li> <p>independence support, including personal care, transport and social support</p> </li> <li> <p>everyday living assistance, such as cleaning, gardening and meal delivery.</p> </li> </ul> <p>Clinical care services will be fully government-funded, as these are crucial to supporting health and keeping people out of hospitals.</p> <p>But recipients will contribute to the costs of independence and everyday living services under a new payment model, reflecting the government’s stance that these are services people have traditionally funded themselves over their lifetimes.</p> <p>This will replace the basic daily fee and income-tested care fee that some people currently pay. Contributions will vary by income and assets (based on the <a href="https://www.servicesaustralia.gov.au/who-can-get-age-pension?context=22526">age pension means test</a>) and by service type.</p> <p>Support at Home also includes additional funding for specific needs:</p> <ul> <li> <p>older Australians with less than three months to live will receive priority access to $25,000 in funding over 12 weeks</p> </li> <li> <p>up to $15,000 will be available for assistive technologies and home modifications, <a href="https://www.health.gov.au/sites/default/files/2024-09/support-at-home-fact-sheet.pdf">eliminating the need</a> to reserve home care budgets for these.</p> </li> </ul> <h2>What if I or my loved one is already receiving a Home Care Package?</h2> <p>If you were receiving a package, on the <a href="https://www.health.gov.au/our-work/hcp/about/how-it-works">waiting list</a>, or assessed as eligible for one on September 12 2024, the government’s “<a href="https://www.health.gov.au/ministers/the-hon-anika-wells-mp/media/once-in-a-generation-aged-care-reforms#:%7E:text=in%20aged%20care-,A%20no%20worse%20off%20principle%20will%20provide%20certainty%20to%20people,greater%20contribution%20to%20their%20care.&text=When%20Home%20Care%20participants%20transition,and%20retain%20any%20unspent%20funds.">no worse off</a>” principle guarantees you won’t pay more under the new system.</p> <p>Current recipients will have their Support at Home budget aligned with their existing package, and any unspent funds will roll over.</p> <h2>How nursing home fees will change</h2> <p>Australia’s nursing home sector is struggling financially, with <a href="https://www.australianageingagenda.com.au/executive/sectors-annual-financial-report-lands/">67% of providers</a> operating at a loss. To ensure sustainability and support upgrades to facilities, the government is introducing major funding changes.</p> <h2>What stays the same?</h2> <p>The Basic Daily Fee, that everyone in nursing homes pays, set at 85% of the basic age pension (currently <a href="https://www.health.gov.au/sites/default/files/2024-09/schedule-of-fees-and-charges-for-residential-and-home-care.pdf">$63.57 a day</a> or $23,200 annually), will not change.</p> <h2>What’s changing?</h2> <p>The government currently pays a Hotelling Supplement of $12.55 per day per resident to cover everyday living services like cleaning, catering and laundry ($4,581 annually).</p> <p>From July 1 2025, this supplement will become means-tested. Residents with annual incomes above $95,400 or assets exceeding $238,000 (or some combination of these) will <a href="https://www.health.gov.au/sites/default/files/2024-09/response-to-the-aged-care-taskforce-residential-care-contributions.pdf">contribute partially or fully</a> to this cost.</p> <p>Currently, residents with sufficient means also pay a means-tested care fee <a href="https://www.myagedcare.gov.au/aged-care-home-costs-and-fees">between $0–$403.24</a> per day. This will be replaced by a “<a href="https://www.health.gov.au/sites/default/files/2024-09/response-to-the-aged-care-taskforce-residential-care-contributions.pdf">non-clinical care contribution</a>”, capped at $101.16 daily and payable for the first four years of care. Only those with assets above $502,981 or incomes above $131,279 (or some combination of these) will pay this contribution.</p> <p>Importantly, no one will pay more than $130,000 in combined contributions for Support at Home and non-clinical care in nursing homes over their lifetime.</p> <h2>Changes to accommodation payments</h2> <p>The way nursing home accommodation costs are paid is also changing from July 1 2025:</p> <ul> <li> <p>residents <a href="https://theconversation.com/lump-sum-daily-payments-or-a-combination-what-to-consider-when-paying-for-nursing-home-accommodation-207405">who pay</a> their room price via a refundable lump sum will have <a href="https://www.health.gov.au/sites/default/files/2024-09/response-to-the-aged-care-taskforce-accommodation-reform.pdf">2% of their payment retained annually</a> by the provider, up to a maximum of 10% over five years. For example, a $400,000 lump sum payment would result in $360,000 being refunded if a person stays five years or more, with the provider keeping $40,000</p> </li> <li> <p><a href="https://www.health.gov.au/sites/default/files/2024-09/response-to-the-aged-care-taskforce-accommodation-reform.pdf">daily accommodation payments</a> (a rent-style interest charge) will no longer remain fixed for the duration of a person’s nursing home stay. Instead, these payments will be indexed twice annually to the Consumer Price Index</p> </li> <li> <p>providers will be able to set room prices up to $750,000 without government approval, an increase from the current $550,000 limit.</p> </li> </ul> <p>People with lower means (those who are fully subsidised by the government for their accommodation costs) will not be affected by these changes.</p> <h2>What if I own my home?</h2> <p>The treatment of the family home in means testing for nursing home costs will <a href="https://www.health.gov.au/sites/default/files/2024-09/response-to-the-aged-care-taskforce-residential-care-contributions.pdf">remain unchanged</a>.</p> <p>Its value is only assessed if no “protected person” (such as a spouse) lives in it, and even then, it’s capped at $206,039 (as at September 20 2024).</p> <h2>What happens to current nursing home residents?</h2> <p>The new rules for contributions and accommodation will apply only to those entering nursing homes from July 1 2025.</p> <p>Existing residents will maintain their current arrangements and be <a href="https://www.health.gov.au/ministers/the-hon-anika-wells-mp/media/once-in-a-generation-aged-care-reforms#:%7E:text=in%20aged%20care-,A%20no%20worse%20off%20principle%20will%20provide%20certainty%20to%20people,greater%20contribution%20to%20their%20care.&text=When%20Home%20Care%20participants%20transition,and%20retain%20any%20unspent%20funds.">no worse off</a>.</p> <h2>Feeling overwhelmed?</h2> <p>These reforms aim to improve care delivery, fairness and sustainability, with the government emphasising that many older Australians – particularly those with <a href="https://www.health.gov.au/ministers/the-hon-anika-wells-mp/media/once-in-a-generation-aged-care-reforms#:%7E:text=in%20aged%20care-,A%20no%20worse%20off%20principle%20will%20provide%20certainty%20to%20people,greater%20contribution%20to%20their%20care.&text=When%20Home%20Care%20participants%20transition,and%20retain%20any%20unspent%20funds.">lower incomes and assets</a> – will not pay more.</p> <p>The government has provided case studies to illustrate how <a href="https://www.health.gov.au/sites/default/files/2024-09/case-studies-support-at-home_0.pdf">home care</a> and <a href="https://www.health.gov.au/sites/default/files/2024-09/case-studies-residential-care_0.pdf">nursing home</a> costs will differ under the new system for people at various income and asset levels.</p> <p>Still, planning for aged care can be daunting. For more <a href="https://www.myagedcare.gov.au/financial-support-and-advice">tailored advice and support</a>, consider reaching out to financial advisors, <a href="https://www.servicesaustralia.gov.au/aged-care-specialist-officer-my-aged-care-face-to-face-services?context=55715">services</a>, or online tools to help you navigate the changes and make informed decisions.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/244816/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><a href="https://theconversation.com/profiles/anam-bilgrami-1179543"><em>Anam Bilgrami</em></a><em>, Senior Research Fellow, Macquarie University Centre for the Health Economy, <a href="https://theconversation.com/institutions/macquarie-university-1174">Macquarie University</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/planning-for-old-age-heres-what-the-aged-care-changes-mean-for-you-244816">original article</a>.</em></p> </div>

Money & Banking

Woman opts to end her own life while waiting for aged care help

<p>A heartbroken son has shared the devastating story of how his chronically-ill mother decided to end her own life rather than endure a months long wait for aged care funding. </p> <p>After a hearing of the Senate Inquiry into the Aged Care Bill, it was determined that tens of thousands of Australians are waiting to receive their home care packages after being approved for the financial support. </p> <p>Home care packages, which are government-funded through MyAgedCare allow Australians to access support in their own home, including nursing, food preparation, cleaning and help with personal hygiene.</p> <p>It is intended to stave off or avoid moving into costly residential aged care, allowing elderly Australians to remain at home longer. </p> <p>However, 2GB's Ben Fordham spoke to one devastated man about his mother Ellen's struggle with accessing her funds, as she ultimately died waiting for her support. </p> <p>"My mum suffered severe COPD for several years while she was waiting for an upgraded package," Mark told the program. </p> <p>COPD is short for chronic obstructive pulmonary disease - a progressive inflammation in the lungs and airways that makes it difficult to breathe.</p> <p>"Her pride wouldn’t allow any of her boys to take care of her or to bathe her so she got approved for the assisted dying and actually a few months ago proceeded with (it)."</p> <p>He added, "She passed while waiting for the upgraded package."</p> <p>Fordham was devastated by the call and the suffering of so many vulnerable people. </p> <p>"We are chasing answers from the Australian government on this because people are dying while waiting for home care packages," he said.</p> <p>"When you’ve got Ellen choosing euthanasia instead, you know that you’ve got a serious problem."</p> <p><em>Image credits: 2GB </em></p> <p class="mol-para-with-font" style="font-size: 16px; margin: 0px 0px 16px; padding: 0px; min-height: 0px; letter-spacing: -0.16px; font-family: Inter, sans-serif;"> </p>

Caring

"No one cares": Albo roasted over Spotify Wrapped

<p>At the end of each December, music streaming service Spotify share their results to each individual user of their most played songs of the year. </p> <p>As is tradition, many people share their results on social media, sparking worldwide commentary about people's listening habits over the last 12 months. </p> <p>Joining in on the fun this year was Prime Minister Anthony Albanese, who took to Instagram to share his top five songs he had on repeat in 2024. </p> <p>His top song was <em>Australia</em> by G-Flip, with each of his top five tracks coming from Australian artists, such as Angie McMahon, and bands Lime Cordiale, Hockey Dad and King Stingray. </p> <p>Despite his representation for local music, many were quick to call out Albo for sharing his Spotify Wrapped at all. </p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/p/DDK7lLHTrAF/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/p/DDK7lLHTrAF/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Anthony Albanese (@albomp)</a></p> </div> </blockquote> <p>“No one gives a frig what’s on your Spotify list. What they want to hear is what you are actually doing to bring the cost of living issues down and what you are doing with the housing affordability crisis,” read one brutal comment under his post. </p> <p>“No one cares. Do your job,” another person said, while someone else wrote, “The country is f***ed & your tweeting about Spotify #priorities.”</p> <p>“WTF? my electricity bill just went up 20% this morning and you’re show me this !!” another added. </p> <p>One comment simply wrote, "Explains why he hasn’t had time to listen to those who voted for him."</p> <p><em>Image credits: Instagram/LUKAS COCH/EPA-EFE/Shutterstock Editorial</em></p>

Music

Donald Bradman's baggy green sells for eye-watering price

<p>Sir Donald Bradman's baggy green that he wore in his final Australian Test series has fetched nearly half a million at auction. </p> <p>The cap was worn by Bradman during the 1947-48 series, when the Indian team played on Australia soil for the first time in history. </p> <p>The baggy green fetched a whopping $390,000, with the final price totalling $479,700 including auction costs.</p> <p>It attracted significant interest from potential buyers from both Australia and overseas, with the winning buyer coming out on top after a 10 minute flurry at Bonhams Auction House in Sydney on Tuesday evening.</p> <p>The auction house described the cap as "sun faded and worn", with "some insect damage" and "some loss to edge of peak".</p> <p>The cap was also advertised as “the only known Baggy Green” to have been worn by Bradman during the series, where he cored 715 runs in six innings at an average of 178.75, with three centuries and a double-hundred.</p> <p>Bradman had gifted it to India's team manager at the time, who then gave it to the team's wicket keeper. </p> <p>While it is currently not known who placed the winning bid, the cap itself has particular significance to Indian fans, as the series took place just months after the country gained independence. </p> <p>For Aussie fans, the cap was worn during Bradman's final game on Australian soil, with the cricket legend embarking on a farewell tour of England afterwards. </p> <p>This is not the first cap of Bradman's to go under the hammer, with the cap he wore during his 1928 Test debut fetching over $450,000 plus fees in 2020.</p> <p>The late Shane Warne's baggy green currently holds the record for sale at auction, after selling for $1m when auctioned off in 2020. </p> <p><em>Image: Design Pics Inc/ Shutterstock Editorial</em></p> <p> </p>

Money & Banking

Historic Aged Care Bill passes Parliament

<p>Older Australians will now receive greater support to live at home for longer among other reforms to aged care. </p> <p>On Monday, the Albanese Labor Government's Aged Care Bill passed Parliament, meaning that older Australians and their loved ones will have access to a better quality system. </p> <p>The bill will provide in-home help and improve conditions and protections for those living in aged-care facilities from July, with older people and their loved ones having a greater say about the care and services they receive.</p> <p>These include protections to speak up when they're not satisfied with a service, and better equipping providers to handle complaints more effectively. </p> <p>Around 1.4 million Aussies will receive support for nursing, occupational therapy and day-to-day tasks to help them live independently in their homes by 2035. </p> <p>The new $4.3 billion Support At Home system has been put in place with the hopes of improving home care wait times and will provide for home modifications and assistive technology to help older Australians maintain their independence for longer. </p> <p>The $5.6 billion package will be one of the largest improvements to the sector in 30 years, according to Aged Care Minister Anika Wells.</p> <p>“This act means that people will be the beating heart of a strengthened aged-care sector that replaces fear with trust,” she said. </p> <p>To help fund the cost of care, those not already in aged or home care will have to make contributions for non-clinical care costs, but the amount they pay would depend on their income and assets. </p> <p>The most anyone would pay for these independence and everyday living costs would be e $130,000 after the the lifetime contribution cap was raised from $76,000.</p> <p>The Commonwealth will remain the main funder of aged care. </p> <p>While the government will spend $930 million over the next four years, the new structure will save the budget $12.6 billion over the next 11 years.</p> <p><em>Image: Shutterstock</em></p>

Retirement Income

The eye-watering price of Jackie O's opulent Christmas tree

<p>Jackie O is getting in the festive spirit, sharing photos of her and her daughter Kitty in matching plaid pjs posing in front of their opulent Christmas tree. </p> <p>The KIIS FM host, who reportedly earns millions each year on her top-rated radio show, showed off the extraordinary festive decor, with many pointing out just how much she had spent on the tree. </p> <p>Jackie's tree comes from the brand Dancer & Dasher, where prices for their stunning "bespoke" creations start at a whopping $4,000.</p> <p>Those prices are for a 180cm tree decoration package with installation included, but for those looking to splash out on their festive decor, you'll have to join a waitlist. </p> <p>Jackie's tree was decorated with sparkling red baubles and giant bows, as well as sprigs of holly and berries. </p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/p/DCyQeFPPGbM/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/p/DCyQeFPPGbM/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Jackie O (@jackieo_official)</a></p> </div> </blockquote> <p>She posed alongside the luxury decoration with her daughter Kitty, the pair in matching seasonal pyjamas. </p> <p>"Christmas ready!!!! Always so in awe of your beautiful trees @danceranddasher," Jackie wrote in her caption on Instagram. </p> <p>"It’s nice to have money haha," joked one fan in the captions while another said, "The best Christmas tree!!"</p> <p><em>Image credits: Instagram </em></p> <p> </p>

Money & Banking

Man dies after months-long wait for at-home care

<p>A man has died after his almost year-long wait to receive his government-approved at-home care. </p> <p>Cyril Tooze, 86, was <a href="https://oversixty.com.au/health/caring/man-decides-to-end-his-own-life-after-waiting-for-at-home-care" target="_blank" rel="noopener">approved</a> for a Level 4 Home Care Package in January, but almost one year on, he was still waiting for access to the money to fund daily assistance with physical, medical and social tasks. </p> <p>After sharing his story with <em>7News</em> in October, Tooze candidly admitted that he was pursuing the avenue of voluntary assisted dying, saying at the time, "There is no hope."</p> <p>Just weeks later, Tooze has passed away. </p> <p>While in hospital after suffering a fall, Mr Tooze passed away on Friday, weighing just 46kg. </p> <p>Independent federal Mayo MP Rebekha Sharkie, who advocated for Mr Tooze to receive his government funding, said it had been an honour to have known him.</p> <p>"The man that I knew, he had such courage and such dignity to the very end," she said.</p> <p>"To the very end he wanted his situation to shed light and provide a human story for the 76,000 other older Australians who, just like him, are deteriorating, having accidents and injuring themselves while waiting for a Home Care package that they've been assessed as needing."</p> <p>"Despite a new Act being passed in the House of Representatives with urgency, there is no plan from the government to address the blown-out waiting list and the reality is that people are dying while they're waiting for Home Care."</p> <p>Federal aged care minister Anika Wells said her thoughts were with Mr Tooze's family and friends "as we mourn their loss but appreciate Cyril's life and his commitment to helping older Australians."</p> <p><em>Image credits: Nine</em></p>

Caring

How to complain about aged care and get the result you want

<div class="theconversation-article-body"> <p><em><a href="https://theconversation.com/profiles/jacqueline-wesson-1331752">Jacqueline Wesson</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a> and <a href="https://theconversation.com/profiles/lee-fay-low-98311">Lee-Fay Low</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a></em></p> <p>It can be hard to know what to say, or who to talk to, if you notice something isn’t right for you or a loved one in residential aged care.</p> <p>You might have concerns about personal or medical care, being adequately consulted about changes to care, or be concerned about charges on the latest bill. You could also be concerned about theft, neglect or abuse.</p> <p>Here’s how you can raise issues with the relevant person or authority to improve care and support for you or your loved one.</p> <h2>Keep records</h2> <p>You can complain about any aspect of care or service. For instance, if medical care, day-to-day support or financial matters do not meet your needs or expectations, you can complain.</p> <p>It is best to act as soon as you notice something isn’t right. This may prevent things from escalating. Good communication helps get better results.</p> <p>Make written notes about what happened, including times and dates, and take photos. Try to focus on facts and events. You can also keep a record of who was involved and their role.</p> <p>Keep track of how the provider responded or steps taken to resolve the issue. Write notes of conversations and keep copies of emails.</p> <h2>Who do I complain to?</h2> <p><strong>Potential criminal matters</strong></p> <p>If you have concerns about immediate, serious harm of a criminal nature then you should contact the police, and your provider immediately. These types of serious incidents include unreasonable use of force or other serious abuse or neglect, unlawful sexual contact, stealing or unexpected death.</p> <p>The provider may have already contacted you about this. They are required to report such <a href="https://www.agedcarequality.gov.au/consumers/serious-incident-response-scheme">serious incidents</a> to both the Aged Care Quality and Safety Commission within 24 hours, and to the police.</p> <p><strong>Other matters</strong></p> <p>For other matters, talk to the care staff involved. Try to find out more detail about what happened and why things went wrong. Think about what you expect in the situation.</p> <p>Then talk to the most senior person in charge, to see if they can make changes so things don’t go wrong in the future. This person may be called the nursing unit manager, care manager or care director.</p> <p>Providers must acknowledge and investigate your complaint, tell you their findings and actions taken, and follow up to see if you are satisfied.</p> <p>If you would like support to talk to the provider, the <a href="https://opan.org.au">Older Persons Advocacy Network</a> can help. This free service provides independent and confidential support to help find solutions with the aged-care provider. The network can also help you lodge a formal complaint.</p> <h2>How to I lodge a formal complaint?</h2> <p>If you are not satisfied with the way your provider responded, you can lodge a complaint with the <a href="https://www.agedcarequality.gov.au">Aged Care Quality and Safety Commission</a>.</p> <p>Be prepared to submit the facts and events, plus emails and correspondence, you have already collected. Think about what you want to happen to resolve the complaint.</p> <p>Each complaint is handled individually and prioritised depending on the risks to you or your loved one. The commission will start its processes within one business day when complaints are urgent. The resolution process took <a href="https://www.agedcarequality.gov.au/sites/default/files/media/acqsc-annual-report-2020-21.pdf">an average 40 days</a> in 2020-21.</p> <p>You can complain confidentially, or anonymously if you feel safer. But the commission may not be able to investigate fully if it’s anonymous. Also, there are limits to what the commission can do. It cannot ask providers to terminate someone’s employment, or provide direct clinical advice about treatment.</p> <p>Sometimes the commission has issued a “non-compliance” notice to the provider (for a failure to meet quality standards), and action may again <a href="https://www.abc.net.au/news/2022-05-02/aged-care-complaint-about-southern-cross-care-young/101009716">be limited</a>. So it is a good idea to check the <a href="https://www.myagedcare.gov.au/non-compliance-checker">non-compliance register</a> beforehand to see if your provider is listed.</p> <h2>What do others complain about?</h2> <p>From October to December 2021, <a href="https://www.agedcarequality.gov.au/sites/default/files/media/acqs-sector-performance-data-oct-dec-2021.pdf">about a third</a> of Australian nursing homes had a complaint made to the commission against them. Some had more than one complaint. More than half of these complaints were lodged by family, friends or other consumers.</p> <p>The top reasons for complaints were about:</p> <ul> <li> <p>adequacy of staffing</p> </li> <li> <p>medication administration or management</p> </li> <li> <p>infectious diseases or infection control</p> </li> <li> <p>personal and oral hygiene</p> </li> <li> <p>how falls are prevented and managed</p> </li> <li> <p>consultation or communication with representatives and/or family members.</p> </li> </ul> <h2>What if I’m still not happy?</h2> <p>If you’re not happy when you receive the commission’s outcome, you can request a review with 42 days.</p> <p>You can also request the <a href="https://www.ombudsman.gov.au">Commonwealth Ombudsman</a> to review the complaint if you’re not satisfied with the commission’s decision or the way the commission handled your complaint.</p> <h2>Remember, you have a right to complain</h2> <p>The <a href="https://agedcare.royalcommission.gov.au">Aged Care Royal Commission</a> spotlighted the neglect and substandard care that can occur in nursing homes. Despite attempts to <a href="https://www.health.gov.au/resources/publications/concepts-for-a-new-framework-for-regulating-aged-care">lift the standard of aged care</a>, we know residents and carers still have concerns.</p> <p>Residents, and their representatives or families, have a legal <a href="https://www.agedcarequality.gov.au/consumers/standards/resources">right to speak up and complain</a>, free from reprisal or negative consequences. This right is also reflected in the <a href="https://www.agedcarequality.gov.au/consumers/consumer-rights">Charter of Aged Care Rights</a>, which providers are legally required to discuss with you and help you understand.</p> <h2>Moving to another facility</h2> <p>If you have exhausted all avenues of complaint or feel conditions have not improved, you may decide to move to another provider or facility, if available. This option may not be possible in rural areas.</p> <p>This is a difficult decision. It takes time, as well as financial and emotional resources. Starting again with a new provider can also be disruptive for everyone, but sometimes it may be the right choice.</p> <hr /> <p><em>Contact the <a href="https://opan.org.au">Older Persons Advocacy Network</a> on 1800 700 600, the <a href="https://www.agedcarequality.gov.au">Aged Care Quality and Safety Commission</a> on 1800 951 822 or the <a href="https://www.ombudsman.gov.au">Commonwealth Ombudsman</a> on 1300 362 072.</em><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/180036/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/jacqueline-wesson-1331752">Jacqueline Wesson</a>, Senior Lecturer (Teaching and Research), Discipline of Occupational Therapy, School of Health Sciences, Faculty of Medicine and Health, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a> and <a href="https://theconversation.com/profiles/lee-fay-low-98311">Lee-Fay Low</a>, Professor in Ageing and Health, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/how-to-complain-about-aged-care-and-get-the-result-you-want-180036">original article</a>.</em></p> </div>

Retirement Life

How can I make summer style part of my self-care routine?

<p>Taking care of yourself doesn’t have to be complicated. With summer just around the corner, it’s a great time to refresh your self-care routine with small changes that help you feel your best. </p> <p>One easy way to do this is by choosing clothing made from breathable Australian cotton and linen. They keep you cool, feel great against the skin and make looking put-together effortless. In this guide, we’ll show you how your summer wardrobe can fit into your self-care routine, featuring pieces from Sussan, a retailer known for easy, comfortable styles that last all season.</p> <p><strong>Simplify your day with matching sets</strong></p> <p><img src="https://oversixtydev.blob.core.windows.net/media/2024/11/Sussan01.jpg" alt="" width="1280" height="720" /></p> <p>A big part of self-care is simplifying your day as much as possible, and that includes your clothing choices. Summer is the time for relaxed, unfussy outfits that don’t require a lot of planning. <a href="https://www.sussan.com.au/clothing/sets" target="_blank" rel="noopener">Matching sets</a> are perfect for this because they take away the guesswork. Everything is already coordinated, which saves you time and makes your mornings easier.</p> <p>A soft denim skirt made from Australian cotton paired with a lightweight tee is breathable and practical for warm days. These pieces help you stay comfy when running errands or enjoying time with friends.</p> <p><strong>Stay cool all day in linen dresses</strong></p> <p><img src="https://oversixtydev.blob.core.windows.net/media/2024/11/Sussan04.jpg" alt="" width="1280" height="720" /></p> <p><a href="https://www.sussan.com.au/clothing/linen/linen-dresses" target="_blank" rel="noopener">Linen dresses</a> are an easy go-to for keeping cool and comfortable during hot summer days. The fabric is light, breathable and perfect for warm weather, which is why it’s a great fit for everything from weekend barbecues to beach walks. With styles like shirt dresses, minis, midis and maxis, there’s plenty of variety to match whatever the day calls for.</p> <p>Styling a linen dress is also simple and practical. With the right accessories, it can easily shift from a casual daytime outfit to an evening look. Style it with a hat for an easy brunch outfit or a trip to the markets. To dress it up, add a light jacket and some jewellery, like a pair of earrings or a statement necklace.</p> <p><strong>Unwind with breathable loungewear</strong></p> <p><img src="https://oversixtydev.blob.core.windows.net/media/2024/11/Sussan03.jpg" alt="" width="1280" height="720" /></p> <p>Practising self-care through summer style can be as simple as choosing clothes that help you relax and feel comfy all day long. This is easy to achieve with loungewear made from pure linen and linen blends.</p> <p>Look for lightweight loungewear tops, pants and shorts that feel soft on the skin and keep you cool as you move through your day. For a summer-ready look, pair a linen top with matching shorts for warm afternoons, or switch to linen pants for a little more coverage on cooler evenings.</p> <p><strong>End your day in Australian cotton sleepwear</strong></p> <p>Winding down at the end of the day feels easier when you’re wearing clothes that make you feel calm and cosy. <a href="https://www.sussan.com.au/shop-the-edit-sleepwear/australian-cotton-sleepwear" target="_blank" rel="noopener">Australian cotton sleepwear</a> in soft, breathable fabrics is a great option as it sits lightly on the skin and keeps you comfortable during warm nights.</p> <p>You can mix and match Australian cotton pyjama tops, tanks, shorts and pants or wear nighties to match your mood and comfort level. These versatile let you settle in and enjoy quiet evenings at home.</p> <p><strong>Wear what feels good this summer</strong></p> <p><strong><img src="https://oversixtydev.blob.core.windows.net/media/2024/11/Sussan02.jpg" alt="" width="1280" height="720" /></strong></p> <p>Updating your summer wardrobe with comfy, breathable pieces is an easy way to bring self-care into your routine. With matching sets, linen dresses, loungewear and soft Australian cotton sleepwear from <a href="https://www.sussan.com.au/" target="_blank" rel="noopener">Sussan</a>, you can have more time to focus on yourself and enjoy the season your way.</p> <p>Start refreshing your wardrobe with these pieces that feel good to wear, and use your summer style to prioritise self-care!</p> <p><em>Images: Sussan</em></p> <p><em>This is a sponsored article produced in partnership with Sussan</em></p>

Beauty & Style

From eye exams to blood tests and surgery: how doctors use light to diagnose disease

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/matthew-griffith-1539353">Matthew Griffith</a>, <a href="https://theconversation.com/institutions/university-of-south-australia-1180">University of South Australia</a></em></p> <p>You’re not feeling well. You’ve had a pounding headache all week, dizzy spells and have vomited up your past few meals.</p> <p>You visit your GP to get some answers and sit while they shine a light in your eyes, order a blood test and request some medical imaging.</p> <p>Everything your GP just did relies on light. These are just some of the optical technologies that have had an enormous impact in how we diagnose disease.</p> <h2>1. On-the-spot tests</h2> <p>Point-of-care diagnostics allow doctors to test patients on the spot and get answers in minutes, rather than sending samples to a lab for analysis.</p> <p>The “flashlight” your GP uses to view the inside of your eye (known as an <a href="https://medlineplus.gov/ency/article/003881.htm">ophthalmoscope</a>) is a great example. This allows doctors to detect abnormal blood flow in the eye, deformations of the cornea (the outermost clear layer of the eye), or swollen optical discs (a round section at the back of the eye where the nerve link to the brain begins). Swollen discs are a sign of elevated pressure inside your head (or in the worst case, a brain tumour) that could be <a href="https://www.hopkinsmedicine.org/health/conditions-and-diseases/headache/increased-intracranial-pressure-icp-headache">causing your headaches</a>.</p> <p>The invention of <a href="https://openmedscience.com/lighting-the-way-in-healthcare-the-transformative-role-of-lasers-in-medicine/">lasers and LEDs</a> has enabled many other miniaturised technologies to be provided at the bedside or clinic rather than in the lab.</p> <p><a href="https://theconversation.com/whats-a-pulse-oximeter-should-i-buy-one-to-monitor-covid-at-home-174457">Pulse oximetry</a> is a famous example, where a clip attached to your finger reports how well your blood is oxygenated. It does this by <a href="https://www.howequipmentworks.com/pulse_oximeter/">measuring</a> the different responses of oxygenated and de-oxygenated blood to different colours of light.</p> <p>Pulse oximetry is used at hospitals (and <a href="https://theconversation.com/whats-a-pulse-oximeter-should-i-buy-one-to-monitor-covid-at-home-174457">sometimes at home</a>) to monitor your respiratory and heart health. In hospitals, it is also a valuable tool for detecting <a href="https://www.thelancet.com/journals/lancet/article/PIIS0140-6736(12)60107-X/fulltext">heart defects in babies</a>.</p> <h2>2. Looking at molecules</h2> <p>Now, back to that blood test. Analysing a small amount of your blood can diagnose <a href="https://theconversation.com/blood-tests-and-diagnosing-illness-what-can-blood-tell-us-about-whats-happening-in-our-body-80327">many different diseases</a>.</p> <p>A machine called an automated “full blood count analyser” tests for general markers of your health. This machine directs focused beams of light through blood samples held in small glass tubes. It counts the number of blood cells, determines their specific type, and reports the level of haemoglobin (the protein in red blood cells that distributes oxygen around your body). In minutes, this machine can provide a <a href="https://www.nuffieldhealth.com/article/inside-the-pathology-lab-what-happens-to-my-blood">snapshot</a> of your overall health.</p> <p>For more specific disease markers, blood serum is separated from the heavier cells by spinning in a rotating instrument called a centrifuge. The serum is then exposed to special chemical stains and enzyme assays that change colour depending on whether specific molecules, which may be the sign of a disease, are present.</p> <p>These colour changes can’t be detected with the naked eye. However, a light beam from an instrument called a <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC5476943/#R88">spectrometer</a> can detect tiny amounts of these substances in the blood and determine if the biomarkers for diseases are present, and at what levels.</p> <h2>3. Medical imaging</h2> <p>Let’s re-visit those medical images your GP ordered. The development of fibre-optic technology, made famous for transforming high-speed digital communications (such as the NBN), allows light to get inside the body. The result? High-resolution optical imaging.</p> <p>A common example is an <a href="https://www.medicalnewstoday.com/articles/153737#risks-and-side-effects">endoscope</a>, where fibres with a tiny camera on the end are inserted into the body’s natural openings (such as your mouth or anus) to examine your gut or respiratory tracts.</p> <p>Surgeons can insert the same technology through tiny cuts to view the inside of the body on a video screen during <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC9553337/">laparoscopic surgery</a> (also known as keyhole surgery) to diagnose and treat disease.</p> <h2>How about the future?</h2> <p>Progress in nanotechnology and a better understanding of the interactions of light with our tissues are leading to new light-based tools to help diagnose disease. These include:</p> <ul> <li> <p><a href="https://onlinelibrary.wiley.com/doi/full/10.1002/advs.201903441">nanomaterials</a> (materials on an extremely small scale, many thousands of times smaller than the width of a human hair). These are being used in next-generation sensors and new diagnostic tests</p> </li> <li> <p><a href="https://www.nature.com/articles/s41587-019-0045-y">wearable optical biosensors</a> the size of your fingernail can be included in devices such as watches, contact lenses or finger wraps. These devices allow non-invasive measurements of sweat, tears and saliva, in real time</p> </li> <li> <p>AI tools to analyse how blood serum scatters infrared light. This has allowed researchers to build a <a href="https://www.advancedsciencenews.com/powerful-diagnostic-approach-uses-light-to-detect-virtually-all-forms-of-cancer/">comprehensive database</a> of scatter patterns to detect <a href="https://onlinelibrary.wiley.com/doi/full/10.1002/aisy.202300006">any cancer</a></p> </li> <li> <p>a type of non-invasive imaging called <a href="https://www.ncbi.nlm.nih.gov/books/NBK554044/">optical coherence tomography</a> for more detailed imaging of the eye, heart and skin</p> </li> <li> <p>fibre optic technology to deliver a tiny microscope into the body on the <a href="https://www.uwa.edu.au/projects/microscope-in-a-needle">tip of a needle</a>.</p> </li> </ul> <p>So the next time you’re at the GP and they perform (or order) some tests, chances are that at least one of those tests depend on light to help diagnose disease.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/231379/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><a href="https://theconversation.com/profiles/matthew-griffith-1539353"><em>Matthew Griffith</em></a><em>, Associate Professor and ARC Future Fellow and Director, UniSA Microscopy and Microanalysis Facilities, <a href="https://theconversation.com/institutions/university-of-south-australia-1180">University of South Australia</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/from-eye-exams-to-blood-tests-and-surgery-how-doctors-use-light-to-diagnose-disease-231379">original article</a>.</em></p> </div>

Body

Man decides to end his own life after waiting for at-home care

<p>A terminally ill man has made the heartbreaking decision to end his life after waiting 10-month for end of life care. </p> <p>Cyril Tooze, an 86-year-old from South Australia's Fleurieu Peninsula, was approved for a Level 4 Home Care Package in January. </p> <p>The package - which is the highest available care for individuals with high-level needs under the federal government’s MyAgedCare scheme - would give Mr Tooze up to $59,594 annually for daily assistance with physical, medical and social tasks.</p> <p>But almost one year on from the approval, his funds and support have yet to be delivered.</p> <p>It’s understood his family, who live interstate, contacted the government to enquire about receiving an urgent reassessment, and were told he could be waiting another three to six months.</p> <p>Independent MP Rebekha Sharkie told reporters that his family were also told a reassessment “could delay it even longer”.</p> <p>While waiting for his vital funds, Mr Tooze - who suffers from terminal heart and lung conditions and regularly requires morphine for pain relief - has worsened and has been hospitalised after suffering a fall at home. </p> <p>Tired of waiting for help to arrive, Tooze has started the process of ending his life through South Australia’s voluntary assisted dying scheme.</p> <p>“There is no hope ... I don’t want to live my life laying in a bed waiting for something to happen,” he told <a href="https://7news.com.au/news/terminally-ill-mans-heartbreaking-decision-to-end-his-life-after-10-month-wait-for-home-care-in-australia-c-16471785" target="_blank" rel="noopener">7News</a>.</p> <p>“You can’t live like that, that’s unfair, we don’t deserve that in such a country as Australia.”</p> <p>Following the media coverage of his case, Tooze was contacted by the Aged Care Department, who said the package could temporarily be made available.</p> <p>Sharkie said Tooze’s situation was “shameful”, saying, “What devastates me is that Mr Tooze feels voluntary assisted dying is the only course available to him, and that is because we as a nation have failed him."</p> <p>“I would say, if Mr Tooze had that package in a timely manner, as he should have, he would probably be sitting at home now, making himself a cup of tea.”</p> <p>Anglicare Australia’s <a href="https://www.anglicare.asn.au/2024/09/20/life-on-the-wait-list-report-shows-older-australians-are-going-without-support/" target="_blank" rel="noopener" data-link-type="article-inline">Life on the Wait List report</a> revealed that as of May 2024, 68,109 Australians had been approved for a Home Care Package but were facing wait times of up to 15 months to access it.</p> <p><em>Image credits: 7News</em></p>

Caring

Mother and son reunited after rigid aged care rules divided them

<p>An elderly woman and her disabled son are celebrating after they successfully beat a bureaucratic blockage that threatened to <a href="https://oversixty.com.au/lifestyle/family-pets/red-tape-threatens-to-remove-a-man-with-down-s-syndrome-from-his-elderly-mother" target="_blank" rel="noopener">split</a> them up for good. </p> <p>Anne Deans, 81, and her 56-year-old son, Mark, who suffers from Down's syndrome, were hoping to live together in Anne's aged care facility, but the pair were met with countless hurdles when trying to get Mark a room of his own. </p> <p>Now, Mark's sister Sharon shared the happy news that the mother and son are to be reunited.</p> <p>"We're very happy today. We've got a great result," Sharon told <a href="https://9now.nine.com.au/a-current-affair/melbourne-mum-and-son-living-with-downs-syndrome-reunited-in-aged-care-facility/ff023844-be2d-4ab8-be95-75bf91f17b4a" target="_blank" rel="noopener"><em>A Current Affair</em></a>.</p> <p>"I'm so grateful that people understood and they listened. That's all I ever wanted through this whole thing, was someone to listen."</p> <p>The problems began when authorities originally refused Mark's request to move into Anne's aged care facility, with federal government policy saying that aged care is "not appropriate for people under 65".</p> <p>But Mark's relatives argued that given the life expectancy of people living with Down's syndrome is 60 years, an exception should be made.</p> <p>A new assessment was done and Mark has been granted a place at the same nursing home as his mother, as Mark's other sister Michelle said, "We got what we wanted. Everything worked out perfectly, the way it's supposed to."</p> <p>After Anne received the exciting news, she said, "I'm feeling great. He's staying with Mum!"</p> <p>Sharon and Michelle hope that their experience will assist other families with unique circumstances.</p> <p>"My advice is to keep pushing," Sharon said. "Only you know your family and you have to be their voice.</p> <p>"There's a lot of difference out there and a lot of people who are individuals [and] they need to be looked at individually."</p> <p><em>Image credits: A Current Affair </em></p>

Legal

Offering end of life support as part of home care is important – but may face some challenges

<div class="theconversation-article-body"> <p><em><a href="https://theconversation.com/profiles/jennifer-tieman-378102">Jennifer Tieman</a>, <a href="https://theconversation.com/institutions/flinders-university-972">Flinders University</a></em></p> <p>Earlier this month, the government announced <a href="https://theconversation.com/the-government-has-a-new-plan-for-residential-aged-care-heres-whats-changing-238765">major changes</a> to aged care in Australia, including a A$4.3 billion <a href="https://theconversation.com/what-the-governments-home-care-changes-mean-for-ageing-australians-238890">investment in home care</a>.</p> <p>Alongside a shake up of home care packages, the Support at Home program will include an important addition – an <a href="https://www.health.gov.au/sites/default/files/2024-09/support-at-home-fact-sheet.pdf">end of life pathway</a> for older Australians.</p> <p>This pathway will allow access to a <a href="https://www.health.gov.au/our-work/support-at-home/features">higher level</a> of in-home aged care services to help Australians stay at home as they come to the end of their life. Specifically, it will provide an extra A$25,000 for palliative support when a person has three months or less left to live.</p> <p>This is a positive change. But there may be some challenges to implementing it.</p> <h2>Why is this important?</h2> <p>Older people have made clear their preference to remain in their homes as they age. For <a href="https://journals.sagepub.com/doi/10.1177/0269216313487940">most people</a>, home is where they would like to be during their last months of life. The space is personal, familiar and comforting.</p> <p>However, data from the <a href="https://www.abs.gov.au/statistics/research/classifying-place-death-australian-mortality-statistics">Australian Bureau of Statistics</a> shows most people who die between the ages of 65 and 84 die in hospital, while most people aged 85 and older die in residential aged care.</p> <p>This apparent gap may reflect a lack of appropriate services. Both palliative care services and GPs have an important role in providing medical care to people living at home with a terminal illness. However, being able to <a href="https://grattan.edu.au/wp-content/uploads/2014/09/815-dying-well.pdf">die at home</a> relies on the availability of ongoing support including hands-on care and assistance with daily living.</p> <p>Family members and friends often provide this support, but this is not always possible. Even when it is, carers may <a href="https://pubmed.ncbi.nlm.nih.gov/38533612/">lack confidence and skills</a> to provide the necessary care, and may not have enough support for and respite from their carer role.</p> <p>The palliative care funding offered within Support at Home should help an older person to remain at home and die at home, if that is their preference.</p> <p>Unless someone dies suddenly, care needs are likely to increase at the end of a person’s life. Supports at home may involve help with showering and toileting, assessing and addressing symptoms, developing care plans, managing medications, wound dressing, domestic tasks, preparing meals, and communicating with the person’s family.</p> <p>Occupational therapists and physiotherapists can assist with equipment requirements and suggest home modifications.</p> <p>End of life supports may also involve clarifying goals of care, contacting services such as pharmacists for medications or equipment, liaising with organisations about financial matters, respite care or funeral planning, as well as acknowledging grief and offering spiritual care.</p> <p>But we don’t know yet exactly what services the $25,000 will go towards.</p> <h2>What do we know about the scheme so far?</h2> <p>The Support at Home program, including the end of life pathway, is scheduled to start from <a href="https://www.health.gov.au/sites/default/files/2024-09/support-at-home-fact-sheet.pdf">July 1 2025</a>.</p> <p>We know the funding is linked to a prognosis of three months or less to live, which will be determined <a href="https://www.abc.net.au/news/2024-09-15/new-payment-aims-to-make-it-easier-for-people-to-die-at-home/104347984">by a doctor</a>.</p> <p>Further information has indicated that an older person can be referred to a <a href="https://www.health.gov.au/our-work/support-at-home/features">high-priority assessment</a> to access the end of life pathway. We don’t know yet what this means, however they don’t need to be an existing Support at Home participant to be eligible.</p> <p>The pathway will allow 16 weeks to use the funds, possibly to provide some leeway around the three-month timeline.</p> <p>Although more details are coming to light, there are still some things which remain unclear.</p> <p>Home care providers will be looking for details on what can be covered by this funding and how they will work alongside primary care providers and health-care services.</p> <p>Older people and their families will want to know the processes to apply for this funding and how long applications will take to be reviewed.</p> <p>Everyone will want to know what happens if the person doesn’t die within three months.</p> <h2>Some challenges</h2> <p>Ready availability of appropriate supports and services will be crucial for older people accessing this pathway. Home care providers will therefore need to assess how an end of life pathway fits into their operational activities and how they can build the necessary skills and capacity.</p> <p>Demand for nurses with palliative care skills and allied health professionals is likely to increase. Providing end of life care can be <a href="https://pubmed.ncbi.nlm.nih.gov/33096682/">especially taxing</a> so strategies will be needed to prevent staff burnout and encourage self-care.</p> <p>How pathways are implemented in rural and remote areas and in different cultural and community groups will need to be monitored to ensure all older people benefit.</p> <p>Effective coordination and communication between home care, primary care and specialist palliative providers care will be key. Digital health systems that connect the sectors could be helpful. Family engagement will also be very important.</p> <p>Escalation pathways and referral pathways should be established to enable appropriate responses to emergencies, unexpected deterioration, and family distress.</p> <p>Finally, <a href="https://bmcpalliatcare.biomedcentral.com/articles/10.1186/s12904-023-01155-y">accurately determining</a> when someone will die can be difficult. Knowing when the last three months of life starts may not be easy, particularly where frailty, cognitive issues and multiple health concerns may be present.</p> <p>This might mean some people are not seen as being ready for this pathway. Others may not be willing to accept this prognosis. An older person may also be expected to live with a terminal illness for many months or years. Their palliative care needs would not be met under this pathway.</p> <p>Despite these challenges, the announcement of an end of life pathway within the home care program is timely and welcome. As a population we are living longer and dying older. More details will help us be better prepared to implement this scheme.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/239296/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/jennifer-tieman-378102">Jennifer Tieman</a>, Matthew Flinders Professor and Director of the Research Centre for Palliative Care, Death and Dying, <a href="https://theconversation.com/institutions/flinders-university-972">Flinders University</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/offering-end-of-life-support-as-part-of-home-care-is-important-but-may-face-some-challenges-239296">original article</a>.</em></p> </div>

Retirement Life

"We all come to an end": Beloved comedian's heartbreaking message from palliative care

<p>Scottish comedian Janey Godley has made an emotional announcement to her social media followers, sharing that she is now in palliative care. </p> <p>Godley was forced to cancel her tour after developing sepsis from her cancer treatments, and is now receiving end of life care after a years long battle with ovarian cancer. </p> <p>"So I'm now in palliative care and I am at end-of-life care now in the hospital," the 63-year-old said in a video posted to Instagram. </p> <p>"The chemo ran out of options, and I just couldn't take any more of it," she continued, adding that the "has spread, so it looks like this will be getting to near the end of it, and it's really difficult to speak about this and say it to people."</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/reel/DAWJ3Qgt-Rx/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/reel/DAWJ3Qgt-Rx/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Janey Godley (@janeygodley)</a></p> </div> </blockquote> <p>She went on to thank the hospital staff for their efforts, and family and friends for supporting her and husband Sean Storrie and their daughter Ashley through her illness. </p> <p>"It is devastating news to know that I'm facing the end of life but we all come to an end sometime," she continued. </p> <p>"I don't know how long I've got left before anybody asks. I'm not on TikTok so I just want you all to know that I appreciate all the love you've given me."</p> <p>She wished everyone a "lovely Christmas", adding, "I might be here, who knows? But I just want you to know I'm sending all my love to people living with a life-limiting disease."</p> <p>The news comes just weeks after Godley was forced to cancel her tour after developing sepsis while undergoing treatment. </p> <p>An official statement shared, "Janey has been living with stage four ovarian cancer for the past few years and the treatment from the wonderful Scottish NHS has kept the disease at bay, but sadly in the last few weeks the cancer has returned and there have been a few added complications."</p> <p><em>Image credits: Instagram</em></p>

Caring

Red tape threatens to remove a man with Down's syndrome from his elderly mother

<p>An elderly mother and her disabled son are at risk of being separated over the woman's aged care home's red tape. </p> <p>Anne Deans, 81, moved into an aged care facility in July and hoped that she would be able to bring her son, Mark, who suffers from Down's syndrome with her. </p> <p>Mark, 56, has always lived with his mother, and despite his disability, has lived a full life and has dabbled in acting, appearing on Aussie TV hit <em>Blue Heelers</em>.</p> <p>But now, the mother and son have been left in limbo by a bureaucratic battle. </p> <p>Despite the family's history and Mark's disability, the government refuses to fund a place for Mark at Anne's aged care home, stating that aged care is "not an appropriate service for people aged under 65".</p> <p>"People with Down's syndrome have a life expectancy of 60 years. That's if we're lucky. So Mark is experiencing all of the age issues that my Mum is," Mark's sister Sharon said.</p> <p>Sharon and her sister Michelle have been lobbying on Mark's behalf, with Michelle saying, "I don't know why it's so hard. There's so much red tape."</p> <p>"There's so many hills to jump, just to have a mum and a son together. It doesn't make any sense."</p> <p>Anne is digging in and appealing to the Minister for Aged Care Anika Wells for help. </p> <p>"I brought him up all these years, and all of a sudden someone's going to walk in and take him out," Anne told <a href="https://9now.nine.com.au/a-current-affair/victoria-red-tape-threatens-to-tear-man-with-disability-from-his-mum/df4ef75b-6df1-4507-8a73-dfae0b258e08" target="_blank" rel="noopener"><em>A Current Affair</em></a>.</p> <p>"It is damn ridiculous. They should open up their eyes and see what it's doing. He's not going anywhere. I don't know how I'm going to stop it, but I will."</p> <p>In a statement, Ms Wells said, "While Aged Care is generally not suitable for people under the age of 65, we recognise there are exceptional circumstances where people may need to enter aged care before this age, including when there is no suitable accommodation for them."</p> <p>"The New Aged care Act includes exceptional circumstances for people to enter Aged Care before they turn 65, including when they would otherwise be at risk of homelessness."</p> <p>"There are processes in place to support people to explore their options and ensure they have safe and appropriate accommodation."</p> <p>"We encourage Mark to continue to work with Ability First Australia and the Aged Care Assessment Teams to explore all the options."</p> <p><em>Image credits: A Current Affair </em></p>

Family & Pets

Is it worth selling my house if I’m going into aged care?

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/colin-zhang-1234147">Colin Zhang</a>, <a href="https://theconversation.com/institutions/macquarie-university-1174">Macquarie University</a></em></p> <p>For senior Australians who cannot live independently at home, residential aged care can provide accommodation, personal care and general health care.</p> <p>People usually think this is expensive. And many assume they need to sell their home to pay for a lump-sum deposit.</p> <p>But that’s not necessarily the case. Here’s what you need to consider.</p> <h2>You may get some financial support</h2> <p>Fees for residential aged care are complex and can be confusing. Some are for your daily care, some are means-tested, some are for your accommodation and some pay for extras, such as cable TV.</p> <p>But it’s easier to think of these fees as falling into two categories:</p> <ul> <li> <p>an “entry deposit”, which is usually more than <a href="https://www.health.gov.au/sites/default/files/documents/2020/06/eighth-report-on-the-funding-and-financing-of-the-aged-care-industry-july-2020-eighth-report-on-the-funding-and-financing-of-the-aged-care-industry-may-2020.pdf">$A300,000</a>, and is refunded when you leave aged care</p> </li> <li> <p>daily “<a href="https://www.myagedcare.gov.au/aged-care-home-costs-and-fees">ongoing fees</a>”, which are $52.71-$300 a day, or more. These cover the basic daily fee, which everyone pays, and the means-tested care fee.</p> </li> </ul> <p>To find out how much government support you’ll receive for both these categories, you will have a “<a href="https://www.myagedcare.gov.au/income-and-means-assessments/#aged-care-home">means test</a>” to assess your income and assets. This means test is similar (but different) to the means test for the aged pension.</p> <p>Generally speaking, the lower your aged-care means test amount, the more government support you’ll receive for aged care.</p> <p>With full support, you don’t need to pay an “entry deposit”. But you still need to pay the basic daily fee (currently, <a href="https://www.myagedcare.gov.au/aged-care-home-costs-and-fees">$52.71</a> a day), equivalent to 85% of your aged pension. If you get partial support, you pay less for your “entry deposit” and ongoing fees.</p> <h2>You don’t need a lump sum</h2> <p>You don’t have to pay for your “entry deposit” as a lump sum. You can choose to pay a rental-style daily cost instead.</p> <p>This is calculated as follows: you multiply the amount of the required “entry deposit” by the maximum permissible interest rate. This rate is set by government and is currently at <a href="https://www.health.gov.au/sites/default/files/documents/2021/03/schedule-of-fees-and-charges-for-residential-and-home-care-schedule-from-20-march-2021_0.pdf">4.01%</a> per year for new residents. Then you divide that sum by 365 to give a daily rate. This option is like borrowing money to pay for your “entry deposit” via an interest-only loan.</p> <p>You can also pay for your “entry deposit” with a combination of a lump sum and a daily rental cost.</p> <p>As it’s not compulsory to pay a lump sum for your “entry deposit”, you have different options for dealing with your family home.</p> <h2>Option 1: keep your house and rent it out</h2> <p>This allows you to use the rental-style daily cost to finance your “entry deposit”.</p> <p><strong>Pros</strong></p> <ul> <li> <p>you could have more income from rent. This can help pay for the rental-style daily cost and “ongoing fees” of aged care</p> </li> <li> <p>you might have a special sentimental attachment to your family house. So keeping it might be a less confronting option</p> </li> <li> <p>keeping an expensive family house will not heavily impact your residential aged care cost. That’s because any value of your family house above <a href="https://www.health.gov.au/sites/default/files/documents/2021/03/schedule-of-fees-and-charges-for-residential-and-home-care-schedule-from-20-march-2021_0.pdf">$173,075.20</a> will be excluded from your <a href="https://www.servicesaustralia.gov.au/organisations/health-professionals/services/aged-care-entry-requirements-providers/residential-care/residential-aged-care-means-assessment">means test</a></p> </li> <li> <p>you can still access the capital gains of your house, as house prices rise.</p> </li> </ul> <p><strong>Cons</strong></p> <ul> <li> <p>your rental income needs to be included in the means test for your aged pension. So you might get less aged pension</p> </li> <li> <p>you might need to pay income tax on the rental income</p> </li> <li> <p>compared to the lump sum payment, choosing the rental-style daily cost means you will end up <a href="https://www.smh.com.au/money/super-and-retirement/seek-help-when-weighing-up-how-to-pay-for-your-aged-care-20191202-p53g16.html">paying more</a></p> </li> <li> <p>you are subject to a changing rental market.</p> </li> </ul> <h2>Option 2: keep your house and rent it out, with a twist</h2> <p>If you have some savings, you can use a combination of a lump sum and daily rental cost to pay for your “entry deposit”.</p> <p><strong>Pros</strong></p> <ul> <li> <p>like option 1, you can keep your house and have a steady income</p> </li> <li> <p>the amount of lump sum deposit will not be counted as an asset in the pension means test.</p> </li> </ul> <p><strong>Cons</strong></p> <ul> <li> <p>like option 1, you could have less pension income, higher age-care costs and need to pay more income tax</p> </li> <li> <p>you have less liquid assets (assets you could quickly sell or access), which could be handy in an emergency.</p> </li> </ul> <h2>Option 3: sell your house</h2> <p>If you sell your house, you can use all or part of the proceeds to pay for your “entry deposit”.</p> <p><strong>Pros</strong></p> <ul> <li> <p>if you have any money left over after selling your house and paying for your “entry deposit”, you can invest the rest</p> </li> <li> <p>as your “entry deposit” is exempt from your aged pension means test, it means more pension income.</p> </li> </ul> <p><strong>Cons</strong></p> <ul> <li>if you have money left over after selling your house, this will be included in the aged-care means test. So you can end up with less financial support for aged care.</li> </ul> <h2>In a nutshell</h2> <p>Keeping your house and renting it out (option 1 or 2) can give you a better income stream, which you can use to cover other living costs. And if you’re not concerned about having access to liquid assets in an emergency, option 2 can be better for you than option 1.</p> <p>But selling your house (option 3) avoids you being exposed to a changing rental market, particularly if the economy is going into recession. It also gives you more capital, and you don’t need to pay a rental-style daily cost.</p> <hr /> <p><em>This article is general in nature, and should not be considered financial advice. For advice tailored to your individual situation and your personal finances, please see a qualified financial planner.</em></p> <p><em>Correction: this article previously stated the amount of lump sum deposit will not be counted as an asset in the aged-care means test, as a pro of option 2. In fact, the amount of lump sum deposit will not be counted as an asset in the pension means test.</em><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/161674/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><a href="https://theconversation.com/profiles/colin-zhang-1234147"><em>Colin Zhang</em></a><em>, Lecturer, Department of Actuarial Studies and Business Analytics, <a href="https://theconversation.com/institutions/macquarie-university-1174">Macquarie University</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/is-it-worth-selling-my-house-if-im-going-into-aged-care-161674">original article</a>.</em></p> </div>

Retirement Income

What the government’s home care changes mean for ageing Australians

<div class="theconversation-article-body"> <p><em><a href="https://theconversation.com/profiles/tracy-comans-696663">Tracy Comans</a>, <a href="https://theconversation.com/institutions/the-university-of-queensland-805">The University of Queensland</a> and <a href="https://theconversation.com/profiles/frances-batchelor-2209350">Frances Batchelor</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a></em></p> <p>The Albanese government has this week announced it will introduce one of the <a href="https://www.health.gov.au/ministers/the-hon-anika-wells-mp/media/once-in-a-generation-aged-care-reforms">largest reforms</a> to Australia’s aged-care sector to date.</p> <p>The package includes a A$4.3 billion investment in home care, now called “<a href="https://www.health.gov.au/our-work/support-at-home">Support at Home</a>”, to come into effect from July 2025. This reflects both the desire of many people to remain living at home as they age, and the government’s desire to reduce the costs of residential aged care.</p> <p>So what changes is the government making to home care packages? And what will these changes mean for ageing Australians?</p> <h2>Reducing waiting times</h2> <p>One of the major complaints about the current home care system is the long waiting times. Estimates suggest there’s a <a href="https://www.gen-agedcaredata.gov.au/getmedia/447b425c-63d6-4b96-a1fc-4dac805066ba/Home-Care-Packages-Program-data-report-1-January-%E2%80%93-31-March-2024">6–to-12-month wait</a> for the higher level 3 and 4 home care packages. For people with the highest needs, this is far too long.</p> <p>As of March this year, around <a href="https://www.gen-agedcaredata.gov.au/getmedia/447b425c-63d6-4b96-a1fc-4dac805066ba/Home-Care-Packages-Program-data-report-1-January-%E2%80%93-31-March-2024">45,000 people</a> were waiting for any level of home care. An additional 14,000 were already receiving a package, but on a lower level of home care than they were entitled to.</p> <p>With additional funding, the new system will <a href="https://www.health.gov.au/ministers/the-hon-anika-wells-mp/media/once-in-a-generation-aged-care-reforms">support more participants</a>. It aims to shorten wait times to <a href="https://www.health.gov.au/sites/default/files/2024-09/support-at-home-fact-sheet.pdf">an average of three months</a> from July 2027.</p> <h2>Changes to services</h2> <p>The new system will replace the current four levels of home care packages with <a href="https://www.health.gov.au/ministers/the-hon-anika-wells-mp/media/once-in-a-generation-aged-care-reforms">eight classifications</a> of funding for services. When participants are assessed, they will be assigned the most suitable category. There’s currently very limited information on what these classifications are, but the idea is they will provide more targeted services.</p> <p>A number of short-term supports will also be available. These include assistive technology (such as mobility aids) and home modifications. Some people will be able to access 12 weeks of restorative care – a more intensive program designed to build function after injury or illness – as well as palliative care support.</p> <p>The way different types of services are subsidised is also changing. Previously, the same means-tested co-contribution applied regardless of the type of service.</p> <p>Under the new system, services are categorised into clinical care (for example, physiotherapy or wound care), independence (such as help with bathing or cooking) and everyday living (for example, gardening or home maintenance). The new reforms fully subsidise clinical services regardless of income, whereas independence and everyday living services will attract co-contributions based on means testing.</p> <p>For example, <a href="https://www.health.gov.au/sites/default/files/2024-09/case-studies-support-at-home.pdf">a self-funded retiree</a> would pay nothing out of pocket for physiotherapy, but would pay 50% for help with showering and 80% towards gardening costs. A full pensioner would also pay nothing for physiotherapy, but pay 5% for help with showering and 17.5% of the cost of gardening.</p> <p>This is a positive change. Our research has previously highlighted a tendency for people with home care packages to choose everyday living services <a href="https://onlinelibrary.wiley.com/doi/full/10.1155/2023/4157055">such as gardening</a> and cleaning and refuse clinical care such as allied health and nursing as these types of services were more expensive.</p> <p>These changes should make older people more likely to choose allied health and clinical care services, which will help them maintain their function and stay fitter for longer.</p> <h2>Some challenges</h2> <p>For the government’s reforms to deliver faster and better support at home, a number of issues need to be addressed.</p> <p>As people stay at home for longer, we also see that these <a href="https://academic.oup.com/ageing/article/52/5/afad058/7147101">people are frailer</a> and have more health conditions than in the past. This requires a different and more highly skilled home care workforce.</p> <p>The current <a href="https://www.health.gov.au/sites/default/files/documents/2021/10/2020-aged-care-workforce-census.pdf">home care workforce</a> consists largely of personal care and domestic support workers alongside a much smaller skilled workforce of registered nurses and allied health professionals.</p> <p>But with the changing profile of people receiving care at home, there will need to be a greater focus on maintaining functional capacity. This might mean more allied health input will be required, such as from physiotherapists and occupational therapists.</p> <p>It’s difficult to source an appropriately skilled workforce across the sector, and almost impossible in <a href="https://www.ruralhealth.org.au/sites/default/files/publications/fact-sheet-allied-health.pdf">rural and remote areas</a>. Alternative models, such as training personal care workers to act as allied health assistants, and effectively using technology such as telehealth, will be necessary to meet demand without compromising on quality of care.</p> <p>One example of the need for upskilling in specific areas relates to caring for people with dementia. The majority of people who are living with dementia at home receive care from family carers, supported by home care workers. It’s vital that these care workers have adequate knowledge and skills specific to dementia.</p> <p>However, research has shown the home care workforce may <a href="https://pubmed.ncbi.nlm.nih.gov/31646701/">lack the knowledge and skills</a> to provide best-practice care for people living with dementia. Specialised <a href="https://onlinelibrary.wiley.com/doi/10.1002/gps.6140">dementia training</a> for home care workers is effective in improving knowledge, attitudes and sense of competence in providing care. It should be rolled out across the sector.</p> <h2>What about unpaid care at home?</h2> <p>Unpaid carers, such as family members, provide <a href="https://www.pmc.gov.au/resources/draft-national-strategy-care-and-support-economy/goal-1-quality-care-and-support/support-for-informal-carers">significant amounts of care</a> for older people. The value of this unpaid care is estimated to be in the billions. As older people stay at home for longer, this is set to increase even further.</p> <p>However, carers with high care burdens are particularly vulnerable to <a href="https://www.sciencedirect.com/science/article/pii/S2352827316300283#s0025">poor physical and mental health</a>. Without adequate support, we may find extra caring pressures lead to a breakdown in caring relationships and an increase in other health-care costs for both the carer and care recipient.</p> <p>So we need to ensure carers have adequate financial, psychological and practical support. But the currently available detail on the reforms doesn’t indicate this has been adequately addressed.</p> <p>With careful implementation and ongoing evaluation, these reforms have the potential to significantly enhance the home care system. However, their success will depend on addressing workforce challenges, ensuring adequate support for unpaid carers, and maintaining a focus on the holistic needs of older Australians.</p> <p><em>More information about Support at Home is <a href="https://www.health.gov.au/our-work/support-at-home/about">available online</a>.</em><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/238890/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><a href="https://theconversation.com/profiles/tracy-comans-696663"><em>Tracy Comans</em></a><em>, Executive Director, National Ageing Research Institute; Professor, Centre for Health Services Research, <a href="https://theconversation.com/institutions/the-university-of-queensland-805">The University of Queensland</a> and <a href="https://theconversation.com/profiles/frances-batchelor-2209350">Frances Batchelor</a>, Director Clinical Gerontology & Senior Principal Research Fellow, National Ageing Research Institute, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/what-the-governments-home-care-changes-mean-for-ageing-australians-238890">original article</a>.</em></p> </div>

Legal

Landmark aged care reforms set to benefit millions of Aussies

<p>The federal government has reached a deal with the coalition for the long-awaited aged care reforms including $4.3 billion for in-home services. </p> <p>This means that senior citizens will be given more support and choice to live their golden years in dignity, as they intend to help them live at home for longer and improve conditions and protections for those in aged care facilities. </p> <p>"$4.3 billion will be invested in Support at Home, to come into effect on the first of July next year," Prime Minister Anthony Albanese announced at Parliament House on Thursday. </p> <p>The Support at Home package is expected to help 1.4 million Australians live independently at home with support, before going into aged care by 2035. </p> <p>It will provide support for nursing, occupational therapy and day-to-day tasks like cleaning, showering, dressing and shopping, with wait times for packages cut from 12 to three months. </p> <p>The government will also pay all of the cost of clinical care services, with a lifetime contribution cap of $130,000 for non-clinical care costs.</p> <p>Those using the Support at Home program could also get $25,000 in aid to spend their final three months at home, instead of the hospital. </p> <p>The $5.6 billion reform package is also set to affect the availability of funding for residential aged care, including a "no worse off" assurance that people currently in aged care won't be asked to pay more for their care.</p> <p>New aged care quality standards will also be implemented to improve the sector and drive higher-quality care. </p> <p>The government also promised more resources to investigate and penalise bad behaviour by providers. </p> <p>Albanese said the reforms will be the "greatest improvement" to the aged care sector in 30 years. </p> <p>“This is about caring for the generation that cared for us,” he said. </p> <p>“We will deliver historic aged care reforms to ensure the viability and quality of our aged care system and support the growing number of older Australians choosing to retain their independence and remain in their homes as they age.”</p> <p>Aged Care Minister Anika Wells said the changes would lead to more services for older Australians.</p> <p>“Our reforms will create better and safer care, help reduce the fear of a system that has been neglected for far too long,” she said.</p> <p>The reform has been welcomed as the number of Australians over the age of 65 is expected to double and those older than 85 are predicted to triple in the next four decades. </p> <p><em>Images: Shutterstock</em></p>

Caring

Rare coin hidden for decades to fetch eye-watering sum

<p>Three sisters from the US who inherited a dime coin kept it in a bank vault for more than 40 years, and while they know it had some value, they didn't know just how much until a few years ago. </p> <p>The rare coin, struck by the US Mint in San Francisco in 1975, could be worth more than $US500,000 ($748,000), according to Ian Russell, president of GreatCollections, the auction house selling the coin. </p> <p>What makes the coin depicting President Franklin D. Roosevelt so valuable is that it is just one of two coins missing the "S" mint mark for San Francisco. </p> <p>The other dime sold for $US682,000 (over $1 million) at a 2019 auction and then again months later to a private collector. </p> <p>While avid coin collectors have known about the existence of these two extraordinarily rare coins, their whereabouts had remained a mystery since the late 1970s. </p> <p>“They were hidden for decades,” Russell said.</p> <p>“Most major collectors and dealers have never seen one.”</p> <p>The three sisters from Ohio, who want to remain anonymous, inherited one of the two dimes after the recent death of their of their brother, Russell said. </p> <p>They told Russell that their brother and mother bought the first error coin discovered in 1978 for $27,225, which would amount to roughly $135,000 today.</p> <p>Their parents, who ran a dairy farm, saw the coin as a financial safety net, and it was only until last year that one of the sisters saw the coin first-hand. </p> <p>Russell also said that their brother had reached out to him about seven years ago and told him about the coin, but he too kept it a secret. </p> <p>When Russell told one of the sisters about the potential value of the coin, she told him: “is that really possible?”. </p> <p>The coin, known as the “1975 ‘no S’ proof dime,” will be displayed at a coin show beginning on Wednesday in Tampa, Florida, and before <a href="https://www.greatcollections.com/Coin/1655587" target="_blank" rel="noopener">the auction</a> closes late next month, Russell said.</p> <p>The current highest bidder has offered $US250,000 ($374,000).</p> <p><em>Images: Great Collections/ Professional Coin Grading Services</em></p>

Money & Banking

The eye-watering salaries of The Voice Australia judges revealed

<p><em>The Voice Australia</em> has revamped the lineup of the judges for the 2024 season, with American music icons Adam Lambert and LeAnn Rimes joining Aussies Guy Sebastian and Kate Miller-Heidke. </p> <p>As the new American talent joins the show, Seven are reportedly paying big buck for the international stars after their salaries were leaked by <a href="https://au.lifestyle.yahoo.com/exclusive-the-voice-australia-coaches-salaries-leaked-amid-pay-row-230921307.html" target="_blank" rel="noopener"><em>Yahoo News</em></a>. </p> <p>According to the publication, an alleged source claims that Adam and LeAnn "are believed to be receiving between $750,000 and $1.2 million" for the single season of the show. </p> <p>Meanwhile, Kate Miller-Heidke "is believed to be receiving upwards of $500,000" for her first season on the show. </p> <p>Veteran judge Guy Sebastian allegedly started on $750,000 per season in 2019, "but this is believed to now be worth $1 million". </p> <p>These new judges are getting "considerably less" than outgoing coaches Rita Ora and Jason Derulo, <em>Yahoo</em> alleges.</p> <p>According to a production insider, the reason for the switch-up of judges was the star's pay cheques, and a desire from producers to keep costs down.</p> <p>The insider said the program has been wanting a change in judges lineup for a quite some time, adding that salary increases are necessary to keep returning stars on the show and the price tag for the former crop was "too expensive".</p> <p>"The company line was that Jessica, Rita and Jason were all too busy, but I don't think anyone is too busy to pick up these sorts of pay cheques. It certainly did have a lot to do with keeping the costs down."</p> <p><em>Image credits: Seven </em></p>

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