What Happens To My NDIS Plan When I Turn 65?

 In NDIS Plan

No one wants to get old. Yet, one cannot stop the process. If you have been a participant who is entering their 60s, then you need to know what will happen to your NDIS Plan when you turn 65! There can be so many things to consider and we will take you on this informative journey one by one, so do not miss a point. If you need help, you will always find your best buds, your service provider by your side. 

What Happens to My NDIS Plan When I Turn 65?

You know, that NDIS is a lifetime support. It is however really not easy to be a part once you turn 65 and want to be so. Yes old matey! You heard it right, your NDIS plan doesn’t just vanish into thin air. You can keep on keeping on with the support you’ve been getting. 

The system recognizes that the NDIS funding you receive under the NDIS is for your specific disability needs, making it logical to stick with it if it’s working well for you.

Not a participant, what should I do? 

However, if you’re not already part of the NDIS club by the time you turn 65, you won’t be able to join. The doors to the NDIS castle close at 65 for new entrants. 

But wait, the best country has the best solution for it as well. This is where the aged care system steps in, designed specifically to support people in their later years.

Is the aged care system worth joining? 

Deciding whether to stay with the NDIS or transition to aged care is a bit like choosing between a cup of tea and a pint of ale. You know that both of them have their merits, depending on what you really want at the moment.

Assess Your Needs

Take a good hard look at what you need now and what you might need in the future. Are your current supports hitting the mark, or is there something more you might require?

Seek Expert Advice

Don’t go it alone. Have a talk with a Local Area Coordinator (LAC) or a specialist who understands both the NDIS and aged care systems. They can provide insights to help you make an informed decision.

Take Your Time

No need to rush. Weigh your options carefully and consider what will give you the best quality of life moving forward.

Do you know about your NDIS Pension?

If you are currently receiving the Disability Support Pension (DSP) and are about to turn 66 years and 6 months, you have the option to apply for the Age Pension.

It’s important to remember that you can choose to keep your DSP and are not required to switch to the Age Pension, but you must notify Services Australia of your decision. If you fail to do so, they may stop your DSP payments.

You need to inform Services Australia if you:

  • Wish to transfer to the Age Pension or not
  • Have any superannuation.

Weighing Your Options: NDIS vs Aged Care

When you turn 65, you’re standing at a crossroads, deciding whether to stick with your NDIS plan or make the leap to the aged care system. Both paths have their own quirks and benefits, so let’s have a gander at each.

Sticking with Your NDIS Plan

Tailored Support: The NDIS is all about personalization. Your plan is crafted to suit your specific needs, ensuring you get the best support possible.

Consistency: If it ain’t broke, don’t fix it. You’re familiar with your NDIS plan, it works well, and switching systems might just add unnecessary hassle.

Security: There’s a sense of security in knowing that your current support system isn’t going anywhere. No need to navigate new waters if you’re happy with the current setup.

Switching to the Aged Care System

Age-Specific Services: The aged care system is built with older adults in mind. It might offer services and support that are more aligned with your evolving needs as you age.

Broad Range of Supports: The aged care system can provide a variety of services, from home care packages to residential care, which might be more suited to your needs as you grow older.

Integrated Care: Sometimes, aged care can offer a more holistic approach, integrating various aspects of health and well-being that cater specifically to older adults.

Wrapping Up!

When you turn 65, your NDIS plan doesn’t just go poof! You’ve got options, whether that’s sticking with your NDIS plan or hopping over to the aged care system. It’s all about what’s best for you and making sure you get the support you need to keep living your best life. So, don’t fret. Turning 65 is just another chapter, and with the right plan, it can be really good. 

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