, Accessing Aged Care: What Couples Need to Know

Aged care is something that couples need to start planning for well in advance. There are many things to consider when making the decision about who will provide aged care for one another, and it’s important to have all the information before making a choice. In this blog post, we will discuss some of the things couples need to think about when accessing aged care. We’ll also talk about the implications of making this decision, and what you can do to make the process as smooth as possible. 

When it comes to aged care, there are two main types of care that couples can choose from: home care and residential care. Home care is where a person is cared for in their own home by a professional caregiver. This type of care can be customised to meet the needs of the individual, and it allows couples to remain in their own home for as long as possible. 

Residential care is where a person moves into a facility that provides 24-hour nursing care. This type of care is often necessary for people who can no longer live independently or who need more specialised care. 

When making the decision about which type of care is best for a couple, there are a few factors to consider. First, you’ll need to think about the needs of each individual. Does one person require more care than the other? What type of care do they need? Are there any medical conditions that need to be taken into consideration? 

Second, you’ll need to think about your budget. Home care can be expensive, and it’s important to make sure you can afford the care that’s needed. Residential care is often less expensive, but it’s important to consider the long-term costs associated with this type of care. 

Finally, you’ll need to think about your lifestyle and how you want to maintain your independence. If you’re not comfortable with the thought of moving into a facility, home care may be the best option for you. 

Once you’ve considered all of these factors, you’ll need to start planning for how you’ll access aged care. If you decide to go with home care, you’ll need to find a reputable agency that provides this type of care. You’ll also need to make sure you have the financial resources in place to pay for the care. 

If you decide to go with residential care, you’ll need to find a facility that meets your needs and budget. You’ll also need to make sure you’re comfortable with the level of care you’ll receive. 

A Protected Person can have various impacts on Aged Care too and smart decision making is needed to minimise costs in care. 

No matter which type of care you choose, it’s important to have a plan in place so you can access the care you need when you need it.  Aged care can be a complex process, but it’s important to remember that you’re not alone. There are many resources available to help you make the best decision for your situation. 

Author: Shaun Ganguly

Director and Financial Planner at Retirement Village Financial Advice and Aged Care Financial Planning, Shaun Ganguly specialises in complex Aged Care, Retirement Living, and Centrelink matters. He holds a Bachelor of Commerce (Finance & Economics), and is an FPA Accredited Aged Care Professional, Aged Care Guru, and Certified Financial Planner.

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