NDIS vs My Aged Care: What’s the difference?

Many Australians looking for support services come across two major government programs: the National Disability Insurance Scheme (NDIS) and My Aged Care.

Because both programs provide support services, it is common for people to feel unsure about which one may apply to them or their family member.

This guide explains the key differences between the two systems and how they support people in different circumstances.

What is the NDIS?

The National Disability Insurance Scheme provides funding for supports and services for people living with a permanent and significant disability.

The scheme is administered by the National Disability Insurance Agency (NDIA).

The NDIS focuses on helping participants:

• increase independence

• build everyday living skills

• participate in education or employment

• engage in community life

Supports funded by the NDIS are designed around the individual goals and needs of the participant.

What is My Aged Care?

My Aged Care is the Australian Government’s central system for accessing aged care services. It provides support for older Australians who may need help with everyday tasks as they age.

Services accessed through My Aged Care may include:

• home care services

• assistance with daily tasks

• respite care

• residential aged care

• health and wellbeing supports

The goal of My Aged Care is to help older Australians remain safe, independent, and supported as they age.

Key differences between the NDIS and My Aged Care

Age requirements

One of the biggest differences between the two programs is age.

The NDIS is generally available to people under the age of 65 when they apply.

My Aged Care is designed primarily for people aged 65 and over.

Purpose of support

The NDIS focuses on supporting people with permanent disability to improve independence and participation in everyday life.

My Aged Care focuses on supporting people as they age and may require assistance with daily living or healthcare needs.

Types of services

NDIS supports may include:

• therapies and rehabilitation

• assistive technology

• support workers

• skill development programs

• community participation

My Aged Care services often focus on:

• personal care

• domestic assistance

• meal preparation

• transport support

• aged care facilities or home care packages

How services are managed

NDIS participants receive an individual plan that outlines their goals and the supports funded to help achieve them.

Participants may manage their plan themselves, use a plan manager, or have the NDIA manage their funding.

My Aged Care services are typically arranged through aged care providers who deliver services based on the person’s care needs and approved level of support.

What if someone is close to age sixty five?

Sometimes people who are approaching the age of 65 may feel unsure which system applies to them.

In general:

• people who apply for the NDIS before turning 65 may continue receiving support through the scheme

• people who first require support after turning 65 usually access assistance through My Aged Care

Each situation is assessed individually depending on a person’s circumstances.

Choosing the right pathway

Understanding whether the NDIS or My Aged Care is the appropriate pathway can sometimes feel confusing, especially when navigating eligibility requirements and support options.

Both programs aim to support Australians to live safely, maintain independence, and access the services they need.

If you or someone you support is exploring disability or aged care services, understanding the difference between the NDIS and My Aged Care can be an important first step.

If you would like guidance understanding available options or navigating the NDIS system, Assist Care Management is available to help explain the process and provide information about the supports that may be available.