A guide to level 4 Home Care Packages

Level 4 Home Care Package

Understanding the options for home care services can be overwhelming, especially with the various levels of Home Care Package available. This guide aims to provide a comprehensive overview of the level 4 Home Care Package, detailing its services, eligibility criteria, costs, and the application process. Understanding these elements can help you or your loved one make informed decisions about accessing appropriate support. 

What is a level 4 Home Care Package?

A level 4 Home Care Package is assigned to older Australians living with high-level care needs. Typically, they require visits every day of the week, as those on this package require significant levels of assistance with many day-to-day tasks to remain healthy and independent. A standard level 4 Home Care Package provides around 36 hours of assistance every two weeks, depending on what your provider charges. 

What services are included in a level 4 Home Care Package?

A care recipient on a level 4 Home Care Package will receive assistance with most tasks, including social, physical, and medical tasks, as well as psychological care needs. Those one a level 4 package may receive care in the form of:

  • Personal care assistance: Help with bathing, dressing, and grooming
  • Household assistance: Keeping your home clean and tidy
  • Meal preparation and nutrition support: Ensuring you have healthy meals
  • Help with shopping: Assistance with groceries and other shopping needs
  • Transport to appointments and activities: Getting you to medical appointments and social events
  • Social activities and companionship: Promoting social engagement and preventing isolation
  • Garden maintenance: Taking care of your garden
  • Nursing services: Including wound care and medication management
  • Independent living aids and assistive technology: Enhancing mobility and safety
  • Home modifications: Such as installing safety equipment in your home
  • Allied health services: Including podiatry, physiotherapy, and speech therapy
  • Specialised support: Such as hearing and vision services, dementia care, and cognitive support
  • Behavioural support: Support with managing memory and behavioural changes
  • Advanced health support: Support for chronic health conditions, including dementia and severe heart conditions
  • Constant Care: 24-hour monitoring and care
  • Palliative Care

 These services are designed to allow care recipients to maintain a high quality of life and remain in their own homes for as long as possible.

Who is eligible for a level 4 Home Care Package?

Eligibility for a level 4 Home Care Package is determined through an assessment process known as the Single Assessment System. As of July 2024, the Single Assessment Systems replaced the Aged Care Assessment Teams (ACATs) in an effort to provide care recipients with a more streamlined, consistent, and flexible assessment process. Details regarding the new Single Assessment System can be found at this site.

The Single Assessment System evaluates the individual’s care needs and determines their suitability for different levels of Home Care Package. Generally, the following criteria must be met:

  • Age: Typically, available to those aged 65 and over or 50 and over for Aboriginal and Torres Strait Islander people.
  • Care needs: Individuals with complex care needs may need to be visited most days a week.
  • Living situation: Preferably living at home and needing assistance to continue living independently.

You can check if you can receive services using My Aged Care’s eligibility check or apply for an assessment online if you are ready.

Are there costs associated with a level 4 Home Care Package?

A level 4 Home Care Package is divided into two main components:

Government contribution: The federal government provides a subsidy to cover the care costs. The subsidy for a level 4 package is currently set at around $2,356.62 a fortnight.

Individual contribution: Depending on your financial situation, you may be asked to contribute towards the cost of your care. This contribution can include:

    • Basic daily fee: This is a small fee that everyone receiving a Home Care Package may be asked to pay, currently capped at $168.33 per day. Trilogy Care DO NOT charge a basic daily fee.
    • Income-tested fees: Home Care Packages are means tested by Services Australia. Depending on your income, you may need to make an additional contribution. Full pensioners and people with an income less than $32,332 per year do not pay an income tested fee.

You can find a detailed breakdown of all the costs and fees associated with the Home Care Package here.

How to apply for a level 4 Home Care Package?

Applying for a level 4 Home Care Package involves contacting My Aged Care online or by phone. If you meet the minimum eligibility requirements, a member of the Single Assessment System workforce will visit your home for a free assessment. If eligible, you’ll receive an approval letter specifying your care level.

For more details, see our 5 steps to apply for a Home Care Package.

Choosing the right provider

After receiving approval for a Home Care Package, it’s essential to find an approved provider to ensure you get the best care possible. Use My Aged Care’s ‘Find a Provider’ tool to identify local providers that meet the standards set by the Aged Care Quality and Safety Commission.

Here are some important factors to consider when selecting a provider:

  • Service Area: Does the provider offer services in your location?
  • Service Types: Do they provide the specific services you need?
  • Availability: Do they have availability to take you on as a client?
  • Personal Alignment: Do they respect and cater to any cultural or faith-based needs that are important to you?

Choosing a provider is a personal decision, and while recommendations can be valuable, it’s crucial to find the right match for your needs. Consider how involved you want to be in managing your care. Providers may offer fully managed, shared managed, or self-managed services, each affecting your budget, flexibility, and control differently. Not all providers offer both self-managed and fully managed options, so decide on your preferred level of involvement before making your choice.

For more details, see our blog on How to choose a Home Care Package provider.

How we can help

At Trilogy Care, we are completely transparent in our pricing. Our services are charged at a flat percentage – we do not hide behind any hidden fees or surcharges. We offer 15% of your Home Care Package for our Self-Managed tier or 26% of your Home Care Package for Self-Managed PLUS tier. 

 

This lower fee structure means more of your funds go directly towards your care rather than administrative costs. We can offer a more efficient use of your Home Care Package funds if you’re looking to switch providers or need a new provider.

 

Contact us today if you’d like to find out how Trilogy Care can help with your level 4 Home Care Package.

 

 

What are Home Care Package unspent funds?

Unspent Funds

Unspent funds—what are they, and why are they important? Every Home Care Package recipient will eventually have unspent funds in their account. Knowing what these funds are and how to use them is crucial.

What are unspent funds?

Put simply, unspent funds are the total funds left over in your Home Care Package that have not been assigned to a service or a fee. If the cost of your Home Care Package services and fees is less than what you received from your monthly package government subsidy, unspent funds are accrued in your account.

How unspent funds are accrued

Below is an example of how unspent funds are accrued on Home Care Packages.

Our example person, Drew, is on a level 4 Home Care Package and receives a monthly subsidy of $4,713.24. Drew’s care plan has budgeted $3,500 of his monthly funds for various care services that help him stay safe and independent at home. Drew is a full pensioner who self-manages at Trilogy Care, who only charge a 15% flat rate. Therefore his monthly fee is only $706.98. If we put this into our formula, we see that Drew is accruing $506.26 of unspent funds per month.

Unspent Funds

There are many reasons why a care recipient may begin accruing unspent funds. The most common reasons are:

  • Your package has been upgraded
  • You require less services
  • You have chosen to save funds
  • You have not been using services for some time

Managing unspent funds

The Department of Health and Aged Care states that unspent funds are yours to manage, so long as you do not leave aged care. Therefore, it is important to remember that your unspent funds are available to be used whenever required. Alternatively, if you know your future circumstances will change within the next few months, you can choose to continue saving unspent funds. This will mean you have a larger balance available for services in the future.

If you have a self-managed Home Care Package with Trilogy Care, you can simply call your care partner to discuss using your unspent funds effectively. Your care partner will be able to provide you with options for additional support services that your unspent funds can cover.

Changing providers

Your unspent funds are yours to keep, including when changing Home Care Package providers. Within 56 days of terminating your service with a provider, you will receive a written notice. This notice will outline your unspent care amount, any deducted fees (such as exit fees), and the timeframe and method for how they will pay unspent home care amounts.

Funds must be transferred from your original provider to your new provider within 70 days of selecting a new Home Care Package. This option is only available if you choose to remain in care. Otherwise the funds will be returned to the Australian Government.

Using unspent funds with Trilogy Care

At Trilogy Care, we understand that every provider may not match your goals and needs. We can assist you with coordinating your transfer over to our self-managed Home Care Package, where a care partner can help discuss what services to use your unspent fees on.

With our flat 15% fee, we can ensure you have more control over your support services. Our dedicated care partners will assist you in understanding how to manage the unspent funds you have accrued.

If you wish to discuss how Trilogy Care can best manage your unspent funds, give our friendly team a call on 1300 459 190 or contact us online. An online unspent fund example is available here, should you need more details on how to manage your Home Care Package funds. 

A guide to Level 3 Home Care Packages

Home Care Package Level 3

Understanding the options for home care services can be overwhelming, especially with the various levels of Home Care Package available. This guide aims to provide a comprehensive overview of the Level 3 Home Care Package, detailing its services, eligibility criteria, costs, and the application process. Understanding these elements can help you or your loved one make informed decisions about accessing appropriate support.

What is a Level 3 Home Care Package?

A Level 3 Home Care Package is assigned to senior Australians living with intermediate care needs. Typically, they require visits on most days of the week, as those on this package need frequent assistance with many day-to-day tasks to remain healthy and independent. A standard Level 3 Home Care Package provides around 24 hours of assistance every two weeks, depending on what your provider charges.

What services are included in a Level 3 Home Care Package?

Those on a Level 3 Home Care Package tend to receive assistance with social, physical, and medical tasks and may also have psychological care needs. Those on a Level 3 package often receive care in the form of:

  • Personal care assistance: Help with bathing, dressing, and grooming
  • Household assistance: Keeping your home clean and tidy
  • Meal preparation and nutrition support: Ensuring you have healthy meals
  • Help with shopping: Assistance with groceries and other shopping needs
  • Transport to appointments and activities: Getting you to medical appointments and social events
  • Social activities and companionship: Promoting social engagement and preventing isolation
  • Garden maintenance: Taking care of your garden
  • Nursing services: Including wound care and medication management
  • Independent living aids and assistive technology: Enhancing mobility and safety
  • Home modifications: Such as installing safety rails in your home
  • Allied health services: Including podiatry, physiotherapy, and speech therapy
  • Specialised support: Such as hearing and vision services, dementia care, and cognitive support
  • Support with managing memory and behavioural changes

You can check if you can receive services using  My Aged Care’s eligibility check, or apply for an assessment online if you are ready.

Who is eligible for a Level 3 Home Care Package?

Eligibility for a Level 3 Home Care Package is determined through an assessment process known as the Single Assessment System. As of July 2024, the Single Assessment Systems replaced the Aged Care Assessment Teams (ACATs) in an effort to provide care recipients with a more streamlined, consistent, and flexible assessment process. Details regarding the new Single Assessment System can be found at this site.

The Single Assessment System evaluates the individual’s care needs and determines their suitability for different levels of Home Care Package. Generally, the following criteria must be met:

  • Age: Typically, available to those aged 65 and over or 50 and over for Aboriginal and Torres Strait Islander people.
  • Care needs: Individuals with low-level care needs may need to be visited three to four times a week.
  • Living situation: Preferably living at home and needing assistance to continue living independently.

You can check if you can receive services using My Aged Care’s eligibility check or apply for an assessment online if you are ready.

Are there costs associated with a Level 3 Home Care Package?

 A Level 3 Home Care Package is divided into two main components:

Government contribution: The federal government provides a subsidy to cover the care costs. The subsidy for a Level 3 package is currently set at around $1,554.56 a fortnight.

Individual contribution: Depending on your financial situation, you may be asked to contribute towards the cost of your care. This contribution can include:

    • Basic daily fee: This is a small fee that everyone receiving a Home Care Package may be asked to pay, currently capped at $111.04 per day. Trilogy Care DO NOT charge a basic daily fee.
    • Income-tested fees: Home Care Packages are means tested by Services Australia. Depending on your income, you may need to make an additional contribution. Full pensioners and people with an income less than $32,332 per year do not pay an income tested fee.

You can find a detailed breakdown of all the costs and fees associated with the Home Care Package here.

How to apply for a Level 3 Home Care Package

Applying for a Level 3 Home Care Package involves contacting My Aged Care online or by phone. If you meet the minimum eligibility requirements, a member of the Single Assessment System workforce will visit your home for a free assessment. If eligible, you’ll receive an approval letter specifying your care level.

For more details, see our 5 steps to apply for a Home Care Package.

Choosing the right provider

After receiving approval for a Home Care Package, it’s essential to find an approved provider to ensure you get the best care possible. Use My Aged Care’s ‘Find a Provider’ tool to identify local providers that meet the standards set by the Aged Care Quality and Safety Commission.

Here are some important factors to consider when selecting a provider:

  • Service Area: Does the provider offer services in your location?
  • Service Types: Do they provide the specific services you need?
  • Availability: Do they have availability to take you on as a client?
  • Personal Alignment: Do they respect and cater to any cultural or faith-based needs that are important to you?

Choosing a provider is a personal decision, and while recommendations can be valuable, it’s crucial to find the right match for your needs. Consider how involved you want to be in managing your care. Providers may offer fully managed, shared managed, or self-managed services, each affecting your budget, flexibility, and control differently. Not all providers offer both self-managed and fully managed options, so decide on your preferred level of involvement before making your choice.

For more details, see our How to choose a Home Care Package provider.

At Trilogy Care, we are completely transparent in our pricing. Our services are charged at a flat percentage – we do not hide behind any hidden fees or surcharges. We offer 15% of your Home Care Package for our Self-Managed tier or 26% of your Home Care Package for Self-Managed PLUS tier. 

This lower fee structure means more of your funds go directly towards your care rather than administrative costs. We can offer a more efficient use of your Home Care Package funds if you’re looking to switch providers or need a new provider.

Protect yourself from scam calls

Australians continue to be targeted by online messages, phone calls, and text scams designed to separate you from your money. In 2023 alone, scam calls led to the loss of $116 million dollars throughout the country.  

At Trilogy Care, we understand the importance of protecting your valuables and personal information. It is crucial to remain vigilant against scam calls that ask for your details or access to your accounts.

 

When will Trilogy Care call?

Trilogy Care’s team may be required to verify your banking details to process invoices or payments. Currently, this is done by calling our care recipients and confirming the details we need.

When this occurs, we understand that you may be worried about whether the call is legitimate.  We have provided instructions below on what to do if you are concerned that a call may be a scam.

 

What to do if you are worried

In the event you are unsure whether a call is from Trilogy Care, you should hang up the phone and contact your care partner as soon as possible to verify the details. You can also access details of your care plan and other important information through the Trilogy Care Portal.

Remember, the Trilogy Care Portal can be used to ensure your contact details and communication preferences are up to date. This will ensure the Trilogy Care team is aware of when and how to contact you to avoid worrying you about potential scams.

Our team is actively working to improve the portal further, with the next update including options to add or update bank account details without the need to make a phone call. This will be very useful for care recipients who have income-tested fees or must make contributions. Additionally, it will act as another safeguard against any scam call attempts.

 

How else can you protect yourself from scams?

While Trilogy Care will always confirm if our calls are legitimate or not, scammers will continue to attempt to contact you. With more than 143,000 reported scams in 2024 alone, we must all remain vigilant to scams.

Trilogy Care has provided a list of helpful techniques you can use if you think you are being scammed.

  1. Check contact details – confirm the name and phone number of anyone who contacts you. If you don’t recognise the number, hang up.
  2. Call organisations directly – if you are contacted by an organisation asking you for personal details, hang up and give them a call back to confirm you are speaking with a member of that organisation.
  3. Avoid links – be careful clicking on strange or unknown links
  4. Confirm with someone else – if you are still unsure whether a call or text is legitimate, ask a friend or family member to check for you.
  5. Report scams immediately – if you have been the target of a scam, visit Scam Watch and report the scam.
  6. If you are the victim of a scam, visit this site and follow the instructions.

 

Scams are a severe problem in Australia, and older people are at a significant risk of being targeted. If you have doubts about whether a call is legitimate, hang up the call and return to this guide.

Trilogy Care will always tell you if our calls are authentic, so feel free to call us if you need confirmation.

Understanding the 2024 Home Care Package funding increase

Understanding the 2024 Home Care Package funding increase

In welcome news to care recipients, the Federal Government have announced an increase to the Home Care Package subsidies and supplements, effective 1 July 2024.  This adjustment is part of an ongoing effort to maintain the quality and sustainability of care services for older Australians, ensuring they receive the best possible support in their homes.

Trilogy Care is pleased to confirm that it is not making any changes to its fee structure and will continue to charge a low fixed percentage from your package each month.

What's changed?

The funding adjustment involves an increase in the overall subsidy for all Home Care Package levels, in addition to an increase to supplement amounts. This increase is necessary to account for rising operational costs and to ensure that care providers can continue to deliver high-quality services.

The government subsidy and Trilogy Care pricing for each package level is as follows:

Self Managed (15%)

Self Managed PLUS (26%) 

The 1 July 2024 changes to the Home Care Package funding structure underscore the commitment to sustaining and enhancing the quality of home-based care, ensuring that older Australians continue to receive the support they need most efficiently and effectively.

The above pricing is to be used as guide. For more information on the subsidy increase and how it will change your personal Home Care Package, please log onto the Trilogy Care Portal or speak to your care partner.

Income Tested Fees

If your income is above a certain threshold, your home care package provider must collect a fee on behalf of Services Australia. Here are the details.

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