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RFS Advice Aged Care is here to help you seamlessly transition to an aged care facility for yourself or a loved one.


Your loved one has been living in their own residence for 30 years and the kids and friends are gently suggesting residential aged care. They have resisted as they love their independence and a lot of their best memories have taken place in the home. One day while visiting a shopping centre they are startled and have a nasty fall…

  • They end up in hospital with a broken hip and suddenly a lot of choices are taken away from them.
  • They need 24-hour care and the hospital is trying to get them moved to a residential aged care facility as quickly as possible as they have a chronic bed shortage.
  • Incidentally, their private health insurer is equally motivated to have them moved as they then stop paying your hospital bills.

The above is all too real a situation for many older Australians and at RFS Advice Aged Care, we get it. The home is the best place for everyone, for as long as possible. However, when health is at risk by being at home, then they and/or the family should be considering residential aged care.

The Challenges of Aged Care

There are a lot of great facilities available and we have many clients that find the experience very positive. Transitioning from ‘fending for themselves’ to twenty-four-hour care with a whole range of services at their fingertips is not all bad. It can ease the pressure on family and friends and improve the health of the new resident. Additionally, there are organised activities that keep the mind and body active and there may be a whole host of new to meet in the next chapter.

‘Change’ is a real challenge for many residents to deal with. However, to quote Paul Enright;

“Change is painful when done to you and exhilarating when done by you”.

If this change can be embraced, it will be a good experience for all involved.

Any questions about Aged Care? We thought so…

So you have a lot of questions and there seems to be a lot of information, but not a lot of direction? This is why so many of our clients can’t imagine going through this process without an adviser to guide them. 

Firstly, if you have made the decision that an Aged Care facility is definitely an option in the near future, or you are the partner or Enduring Power of Attorney for someone who needs to enter an aged care residence, there are some traps and some fairly expensive mistakes that can be avoided with the help of a knowledgeable team. 

Tips and Traps:

  • Don’t rush out and sell the family property to fund access to an aged care residence. This may be a solution but it is not necessarily the only solution. Even if you or a loved one need to enter a residence quickly, the accommodation bond does not need to be paid immediately. There are usually options and we can help you with any negotiations.
  • Talk to an adviser as soon as possible. There are significant costs that can be avoided if managed correctly.
  • Many options are limited once you have locked into an aged care facility, but even then it would be a very worthwhile conversation.

Costs Associated with Aged Care

Paying for Accomodation

Accomodation Payment
Published rates.
Concessions for low-means residents.

Paying for Living Expenses and Care

Basic Daily Fee
All residents to pay
Means-Tested Care Free
Based on income and assets
Upto $28,087/yr or $67,410/lifetime

Paying for ‘Luxuries’

Additional Services Fees
Extra-service package
Additional services opt-in / opt-out
Accommodation Costs
  • Refundable Accommodation Deposit (RAD)
  • Daily Accommodation Payment (DAP) – alternative to RAD
Ongoing Care Fees
  • Basic Daily Care Fee
  • Means Tested Fee assessed against income and assets
  • Extra Service Fees

Aged Care Residences

You will also find there are big differences between aged care facilities and the services they offer. Extra services come at a cost but they can make a big difference to lifestyle and comfort.

  • Look at aged care residences in your preferred area and get a ‘feel’ for the various options. Everyone has different tastes and what might be perfect for one resident could be very uncomfortable for another.
  • Unfortunately, there isn’t always availability so you need to have more than one option.

If you are starting to think this could be confusing, you would be right. This is where our RFS Advice Aged Care team come in, who do this every single day. 

Make an enquiry for Aged Care advice today

You can arrange an appointment with RFS Advice Aged Care today by filling out the form below.

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