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My Care Journey

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What the new Aged Care Act on 1 November Means for Your Finances

Big changes are coming to aged care fees from 1 November 2025. If you’re planning to move into residential care or are already receiving home care, it’s more important than ever to understand how these changes could affect your finances. What You Need to KnowThe new Aged Care Act changes how much you and the government contribute to aged care costs. This includes accommodation fees, care fees, and daily basic fees. For most people with assets, costs could increase if you enter the system on or after 1 November. The changes are designed to make the system more balanced, sustainable, and fair. How they affect you depends on your current situation, whether you are receiving a Home Care Package or living in a residential aged care home. Even small differences in calculation methods or eligibility for government support can change your costs significantly. That’s why reviewing your situation now is a smart move. How a Financial Information Service Can HelpMy Care Journey’s Financial Information Service provides free, independent information and education to help you make informed choices. We can: We don’t give financial advice, recommend products, or make decisions for you, but we do help you understand your options and the changes coming to aged care costs. Now Is the Time to ReviewWith the changes coming into effect on 1 November, it’s the perfect moment to look at your current situation and consider your options. A few minutes spent reviewing your finances now could save stress and surprises later. Take the First StepHave a chat with out team and learn how clear, independent information can make a big difference.  

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What Is a Navigation Service and Why It Can Save You Time, Stress, and Money

A Navigation Service, sometimes called a Placement Service, helps you find the right aged care provider without the stress of juggling phone calls, websites, or long waitlists. Think of it as having a guide who knows the aged care system inside out, listens to what matters most to you, and helps you make choices that actually fit your life.  Why not just go directly to providers? Going straight to providers might seem like the obvious choice, but it can quickly become overwhelming. You need to research all the options in your area, understand the different services and costs, compare quality and suitability, and coordinate multiple calls and appointments. It’s a lot to manage on your own, especially when you’re trying to make the best decision for yourself or a loved one. A Navigation Service simplifies this process by: Listening to your needs and lifestyle preferences: from daily routines to hobbies, values, social priorities, or pets. Finding providers who match your priorities: we know the strengths of different providers and can highlight the best fits for you. Presenting options with clear guidance: so you can feel empowered making informed decisions. Supporting you through the transition: we stay in touch for months after you engage your new provider to make sure everything goes smoothly. Benefits for Home Care and Residential Aged Care Whether you’re looking for home care or residential aged care, a Navigation Service can make life easier. While everyone’s journey is different, for home care, it’s about finding a provider to match your lifestyle: friendly, structured, flexible, or even pet-friendly. For residential aged care, it’s about avoiding long waitlists and weighing up how the differences in things like catering, diversional therapies, and even organisational policies will impact your quality of life. Real-Life Stories John and CosmoJohn, 78, receives home care and shares his life with his little Jack Russell, Cosmo – his shadow, his companion, and his constant friend. John’s home care service provided help with cooking and a bit of cleaning, but even though the workers liked dogs, Cosmo wasn’t allowed inside because of a company policy. When John reached out to My Care Journey to see if switching providers was even worth it, we had a chat to understand what mattered most. Using our Navigation Service, we found a couple of providers that welcomed pets. One was even affiliated with a religious organisation John belonged to, which felt like an extra perfect fit. We managed the switch entirely on John’s behalf, so he didn’t have to make a single phone call. Now, John enjoys his cooking and cleaning support while Cosmo happily supervises, sniffing around for any tasty scraps. Mary and DavidMary was feeling overwhelmed trying to find residential care for her husband, David, who has dementia. He had already been approved for care, but when she called providers, the staff were quite abrupt, which didn’t give Mary the best first impression. When she reached out to us, we met with both Mary and David over a cuppa to talk about what really mattered. It was important that Mary could visit easily, that there was space for their kids and grandkids to come for birthdays and other special occasions, and that David had access to green outdoor spaces. We researched local options and came back with a few facilities that matched her priorities, including one with excellent indoor-outdoor flow and lounge rooms that could be booked in advance for family visits. With our support, David moved seamlessly into his new home, close enough for Mary to visit regularly. Mario and LillianMario’s Mum had previously received home care through a large provider but had a frustrating experience. Different carers came each time, shifts changed at the last minute, and it felt like they were living on the provider’s schedule rather than the other way around. It felt like Lillian was constantly changing her schedule to what suited the provider. When Mario reached out to us, we took the time to understand their priorities and matched them with a small, family-owned provider. With fewer staff and clients, the new provider could offer consistent carers, with more consistency for time and day. The result? A much smoother, reliable home care experience that put Mario and his Mum back in control. Your Care Journey, Made PersonalA Navigation Service isn’t just about making the right choice, it’s about ongoing support. We stay in touch for three months after placement to check in, resolve any issues, and make sure your care fits your life, not the other way around. Take the First StepSpeak with one of our Care Choices Partners and see how a Navigation Service can save you time, reduce stress, and help you feel confident and supported every step of the way.

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Not Happy With Your Home Care Provider? You’re Not Alone

Many people who receive home care are not happy with their provider. Services might not match what you need, carers may be inconsistent, or communication can be poor. It’s stressful, and it can leave you feeling uncertain about the support you’re relying on. The Aged Care Quality and Safety Commission shows just how common these frustrations are: Over 1,000 complaints were lodged last month alone Almost 2,000 complaints are currently open 3 in 10 complaints take longer than 60 days to resolve 1 in 3 people don’t give a high satisfaction rating for the complaints process These numbers only capture people who get to the point of making a formal complaint with the Aged Care Quality and Safety Commission. Many more quietly struggle with services that don’t fit their needs. And we know that people receiving care often don’t speak up or raise concerns for fear of backlash. Not All Providers Are the Same Every aged care provider is different. So many things impact the quality of care you receive, from workplace culture and staff training to leadership decisions and organisational values, all impact the quality of care. And different providers cater to different needs. Some providers are linked to religious organisations, others cater to multicultural communities, others might have a greater clinical focus. There are small boutique providers, national operations, not-for-profits, and family run businesses. Finding a provider that aligns with what matters to you can make all the difference. How Age Care Navigation Helps If you’re not happy with the service you’re receiving, an aged care navigation provider can smooth out the process and reduce stress. They can: Understand your needs, priorities, and lifestyle Present you with options that fit your preferences Speak to your current provider on your behalf Help you switch providers without you having to make any phone calls Aged Care Navigation can take the stress out of the whole process.  Finding the Right FitThat’s where My Care Journey comes in. We listen first. You tell us what matters most, privacy, lifestyle, independence, pets, social interaction. We find better matches. Using our knowledge of providers, we find providers who align with your preferences. Some providers can’t accommodate pets, for example, others can. Some people prefer a friendly, chatty carer; others want professional, structured support. We manage the conversations. We contact providers, make referrals, and organise changes for you, so you can relax with peace of mind. Feeling Supported and ConfidentWith the right support, switching providers doesn’t have to be stressful. You can feel secure knowing your care aligns with your needs and lifestyle, and that someone is there to support you, every step of the way. Take the First StepBook a free conversation with one of our Care Choices Partners and explore how you can feel confident, supported, and cared for.

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