Aged Care Advice you feeling confused and overwhelmed about entering Aged Care? We are here to help. 

Our aged care specialist finance expert can help you to plan financial strategies to:

  • assess your current financial situation and determine your affordability 
  • minimise the cost of care
  • give you clear control of your financial situation
  • maximise Centrelink entitlements and assess your eligibility for any other government support
  • negotiate bonds or "RAD's and/or "DAP's" with care facilities
  • manage your cash-flow now and into the future to ensure a comfortable standard of living
  • make the right decision with regards to the family home
  • make appropriate investment decisions
  • maximise your chances achieving all your financial and lifestyle needs

Our specialist Aged Care Adviser can help you answer questions such as:

  • Can you/your loved one afford to reside in the nursing homes you have chosen on your shortlist? Ie is it viable based on all your financial assets, income and Centrelink entitlements? 
  • Do you/your loved one qualify as a "Low Means Resident and if so, how might this limit your choice of homes? 
  • How can you ensure the person entering care has enough cash-flow to pay all the nursing home fees and have extra funds for personal expenditure? 
  • Will you/your loved one be eligible for an Aged Pension after you enter care? If so, how much? 
  • Are there any strategies that can be used to reduce ongoing nursing home fees?
  • What strategies are available to ensure you/your loved one receive the maximum Age Pension/DVA entitlements? 
  • What effect does selling the home vs not selling the home have on the outcome of nursing home fees and Age Pension? 
  • Is it better to pay a full Refundable Accomodation Deposit (RAD), or Daily Accommodation  Payment (DAP) or a combination of both? If a combination, how much of each?  
  • We can also assist you in completing the Centrelink Income and Assets Form

We can help you answer complex questions, and find some answers regarding issues such as the accomodation bond (RAD), accommodation  fees (DAP), the cost of living, Centrelink & Social Security implications and how the family home is treated if it is kept.  We can assist you in finding out what you can afford and, importantly, the impact on your financial situation after the move into aged care. These decisions can also affect how long your money will last, and the impact on Estate Planning. Careful planning may create a much more favourable outcome financially for you and your family.

 Call us today on 07 3812 7122 to book an appointment. Alternatively, complete our online contact form and we will contact you within the next business day. 

Your first appointment is always freeand is no obligation to proceed. We don't put any pressure on you to proceed. The first appointment is about us getting to know you, and for you to determine whether you feel comfortable and confident dealing with us to assist you with your financial advice needs. So why not book in an appointment and have a chat with us - on us!

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1. The first appointment is free for new clients of Limestone Insurance & Financial Services. A fee may be charged if you proceed with a Financial Plan (We will provide an accurate quote for a Financial Plan, after which you can decide if you want to proceed). Some or all of our advice fees may be able to be paid via your super, depending on the type of advice you are requesting.