Applying for a Home Care Package through My Aged Care is one of the most important steps you can take to maintain your independence and receive support at home. But the process can feel overwhelming, especially when there are so many steps—and so many chances to make a wrong turn.
At Support Services Connect Australia (SSCA), we help older Australians and their families every day to navigate the aged care system with clarity and confidence. To help you avoid common pitfalls, here are the top five mistakes people often make when applying for a Home Care Package—and how to steer clear of them.
Waiting Too Long to Apply
One of the biggest mistakes we see at SSCA is people waiting until their needs become urgent before starting the application process. Unfortunately, once you’ve completed your ACAT (Aged Care Assessment), it can still take several months—or even over a year—for your package to be assigned.
❌ The Mistake: Delaying the assessment until there’s a crisis
✅ The Solution: Contact My Aged Care early. If you’re starting to feel less confident managing day-to-day activities, it’s time to apply. SSCA can assist you with your My Aged Care registration and prepare you for the assessment.
Underreporting Your Needs During the Assessment
During the ACAT assessment, many older adults downplay their difficulties due to pride, fear, or uncertainty. But this can result in being approved for a lower-level package—or none at all.
❌ The Mistake: Saying “I’m fine” when daily tasks are becoming difficult
✅ The Solution: Be honest and specific. Describe how things like showering, cooking, or cleaning are affecting your independence. SSCA can help you prepare for the ACAT interview so that your care needs are clearly communicated
Assuming the Package Covers Everything
Home Care Packages can fund a wide range of in-home support services, but they don’t cover everything. Some costs, such as rent or major home modifications, may not be included.
❌ The Mistake: Expecting all costs to be covered by the package
✅ The Solution: Understand the government guidelines. Our care advisors at SSCA will help you understand what’s included and help you plan your package funding effectively.
Skipping the Income Assessment
If you’re not on a full Age Pension, you may be required to contribute an income-tested care fee. Many people are surprised when they receive a bill after services begin.
❌ The Mistake: Assuming all care is free
✅ The Solution: Complete the income assessment with Services Australia. SSCA can walk you through this step and help you understand any out-of-pocket costs before you commit to a provider.
Not Comparing Home Care Package Providers
Choosing the right provider is essential. Not all providers offer the same fees, services, or level of customer care—and rushing the decision can lead to disappointment.
❌ The Mistake: Picking the first provider without comparison
✅ The Solution: Do your research. SSCA offers a free, personalised matching service to connect you with trusted, quality-approved Home Care Package providers in your area.
Let SSCA Simplify Your Home Care Journey
Avoiding these common mistakes can save you time, stress, and unnecessary costs. At SSCA, we’re here to make the Home Care Package process easier—from application to approval to provider selection.
✔ Free guidance on My Aged Care and ACAT assessment
✔ Help understanding your funding and eligibility
✔ Personalised provider matching based on your needs and location
✔ Ongoing support to maximise your Home Care Package
Get Started Today
If you’re ready to apply for a Home Care Package—or want expert help at any stage—contact SSCA. We’ll help you take the right steps, avoid costly mistakes, and access the support you need to live confidently at home.
👉 Call us or book a free consultation online to get started today.