Clarity Aged Care Advisors

06/04/2026

Thinking about aged care for yourself or a loved one? The new aged-care rules have added an extra layer of complexity — especially when it comes to fees, deposits and ongoing costs.

From CPI-linked daily payments to changes in how accommodation deposits are treated, understanding your financial position before entering care can make a significant difference over time.

Follow the link to read more:
https://clarityagedcare.com.au/blog/the-new-aged-care-rules-you-need-to-know-about

The right advice can help you:
• Compare RADs vs DAPs
• Understand how your means are assessed
• Plan for ongoing fee increases
• Protect your family’s financial future

At Clarity Aged Care Advisors, we walk beside families through every step — so they can make informed decisions with confidence.

📞 03 9601 6800
📧 [email protected]
🌐 clarityagedcare.com.au

Helping families take care of their own.

02/04/2026

Did you know that under Australia’s new aged-care rules, many self-funded retirees could pay between $20,000 and $50,000 more per year for their care?

The changes affect people entering aged care after 1 November and include:
• New rules on accommodation deposits
• CPI-linked daily fees
• New means-tested living and non-clinical care charges

Follow the link to read more:
https://clarityagedcare.com.au/blog/the-new-aged-care-rules-you-need-to-know-about

While clinical care is now fully funded by the government, the way accommodation and everyday living costs are charged has changed — and it’s not always easy to understand what applies to you.

That’s where expert advice matters.

At Clarity Aged Care Advisors, we help families understand their situation, explore funding options, and choose the right path forward — with clarity and confidence.

📞 03 9601 6800
📧 [email protected]
🌐 clarityagedcare.com.au

Helping families take care of their own.

31/03/2026

Australia’s aged care system has changed — and if you or a loved one are considering entering care, these changes could have a big financial impact.

Since 1 November, new aged-care funding rules mean many Australians, especially self-funded retirees and part-pensioners, may be asked to contribute more towards their care. In some cases, this can mean tens of thousands of dollars more each year.

The reforms were designed to ensure the long-term sustainability of the aged-care sector — but they’ve also made the system more complex, with new fees, CPI-linked increases, and greater means-testing.

Follow the link to read more:
https://clarityagedcare.com.au/blog/the-new-aged-care-rules-you-need-to-know-about

Understanding what you might pay — and why — has never been more important.

At Clarity Aged Care Advisors, we help families make sense of these changes, avoid costly surprises, and make confident decisions about aged care.

📞 03 9601 6800
📧 [email protected]
🌐 clarityagedcare.com.au

Helping families take care of their own.

30/03/2026

Don’t Wait for a Crisis

Aged care decisions often happen suddenly.

A fall.
A hospital visit.
A rapid decline.

The families who cope best are the ones who started planning early.

If you’re starting to see the signs — now is the time to act.

We guide families step-by-step, from assessment through to financial structuring.

📞 03 9601 6800
📧 [email protected]
🌐 clarityagedcare.com.au

Call for a free initial discussion or consult.
Helping families take care of their own.

26/03/2026

Does the Government Pay for Care?

Yes, the government pays facilities over $400 per day per resident.

Residents contribute based on their means.

Low-means residents remain protected.

Understanding what the government covers, and what you may need to contribute is critical before making decisions.

📞 03 9601 6800
📧 [email protected]
🌐 clarityagedcare.com.au

Call for a free initial discussion or consult.
Helping families take care of their own.

24/03/2026

Remaining at home can bring comfort.

But it can also bring loneliness.

Modern aged care residences often offer:
• Social programs
• Dining facilities
• Libraries & activity rooms
• On-site medical staff
• Greater security

For many families, the transition ultimately improves quality of life — for both parents and children.

📞 03 9601 6800
📧 [email protected]
🌐 clarityagedcare.com.au

Call for a free initial discussion or consult.
Helping families take care of their own.

23/03/2026

FAQ: What is the Non-Clinical Care Contribution?
Previously called the Centrelink Means Tested Care Fee.

This fee:
• Is set by the government
• Depends on income and assets
• Can range from $0 to over $105 per day
• Has a lifetime cap of roughly $135,000

It is reviewed monthly.

Keeping Centrelink updated is critical.

Understanding how this is calculated can prevent unnecessary overpayments.

📞 03 9601 6800
📧 [email protected]
🌐 clarityagedcare.com.au

Call for a free initial discussion or consult.
Helping families take care of their own

12/03/2026

FAQ: What is a Refundable Accommodation Deposit (RAD)?

The RAD is the lump-sum price of a room in aged care.

It can be paid:
• In full upfront
• As a Daily Accommodation Payment (DAP)
• As a combination of both

It is government guaranteed and largely refundable when leaving care.

Choosing how to structure this payment is one of the biggest financial decisions families make.

We help you model the best approach.

📞 03 9601 6800
📧 [email protected]
🌐 clarityagedcare.com.au

Call for a free initial discussion or consult.
Helping families take care of their own.

Clarity Aged Care Advisors supports families in Melbourne and across Australia with expert guidance and support to navigate aged care. Get trusted advice today.

10/03/2026

FAQ: Will I Need to Sell the Family Home?

This is the most common question we get asked.

The short answer? Not necessarily.

For pension purposes, the home is exempt for 2 years after entering care.
For means-testing, its value is capped at around $200,000.

Selling the home can increase certain fees.

Keeping it can affect pension entitlements.

Every situation is different — and the wrong assumption can be costly.

📞 03 9601 6800
📧 [email protected]
🌐 clarityagedcare.com.au

Call for a free initial discussion or consult.
Helping families take care of their own.

09/03/2026

When Home Care Becomes Too Expensive

Full-time care at home can cost over $5,000 per week.

That’s more than $260,000 per year.

By comparison, residential aged care can cost many Australians less than $65 per day (around $24,000 per year), plus applicable fees.

When care becomes 24/7, the economics often change dramatically.

Understanding this shift early helps families prepare financially and emotionally.

📞 03 9601 6800
📧 [email protected]
🌐 clarityagedcare.com.au

Call for a free initial discussion or consult.
Helping families take care of their own.