Financial guide
Let us help you understand the fees and charges for Residential Aged Care
Put simply, the government subsidises the bulk of aged care in Australia, but if you can afford the cost of care and accommodation, you will be asked to contribute to the cost.
As everyone’s financial circumstances are different, you may be eligible to receive some assistance towards your Accommodation Cost. Some residents will have their accommodation paid in full or partially by the government. The Department of Human Services determines this through the income and assets assessment process.
Please note that the government frequently updates the income or asset thresholds for support, so always refer to the MyAgedCare website and calculator for the most up-to-date information.
To obtain a copy of our financial guide call us for a friendly chat on To obtain a copy of our financial guide
call for a friendly chat:, call now:13 22 78. We’re here to answer your questions.
Understanding the 1 November 2025 fees arrangement
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This fee covers day-to-day living costs such as meals, cleaning, laundry and electricity. All residents are required to pay this fee when moving into Residential Care. It is 85% of the single aged pension and is increased twice a year in March and September by Services Australia. In some cases, this may be the only fee you are required to pay.
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Residents may be required to pay towards their care through a Non-Clinical Care Contribution (NCCC). This amount is calculated by Services Australia, which has an annual and lifetime cap and is done through the government’s income and asset assessment process.
This fee will be applied from the date of entry, and you will be advised of the amount by Services Australia. Services Australia also conducts quarterly reviews and may adjust your Non-Clinical Care Contribution if your circumstances have changed during the last quarter.
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The Hotelling Supplement helps cover everyday living costs such as meals, cleaning, laundry and utilities. It is means-tested, with residents above certain thresholds contributing partly or fully. The fee is indexed annually on 20 September, based on advice from the Independent Health and Aged Care Pricing Authority (IHACPA).
The Government’s income and asset assessment process
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If you are receiving a means-tested payment from Centrelink or the Department of Veterans’ Affairs and do not own your home or retirement living unit, Services Australia will automatically complete an assessment for you when you enter Residential Care, provided they have your up-to-date financial information. If they do not, you will need to complete the Calculation of Cost of Care form (SA457).
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If you receive a means-tested payment from Centrelink or the Department of Veterans’ Affairs and you own your home (including retirement living unit), you will need to complete the Residential Aged Care Property for Centrelink and the Department of Veterans’ Affairs customers’ form (SA485). This form can be accessed on the Services Australia website.
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If you do not wish to provide your income and asset details, or you are not receiving a means-tested payment, you will be required to pay the maximum Hotelling Supplement Contribution and maximum Non-Clinical Care Contribution until you reach either the daily caps (and where applicable, the lifetime cap on non-clinical care contributions).
Financial guide
Looking for something else?
If you have any questions – about BaptistCare Residential Aged Care in general – we're always here and happy to help. Call our friendly and experienced team on 13 22 78.
Frequently Asked Questions
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All fees and charges are direct debited from your nominated bank account fortnightly in advance. A completed Direct Debit Request form is required before admission.
Refundable Accommodation Deposits (RAD) may be paid by electronic funds transfer. For any payment or billing queries, please contact the Accounts Receivable Team in your state.
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If you believe you are in a position of financial hardship, you can apply for Financial Hardship Assistance.
Information on Financial Hardship can be found by contacting the Services Australia Aged Care Hotline on 13 23 00.
