Experiencing homelessness or financial stress

Most states and territories offer housing to people who are on a low income. There are different rules for accessing long term social, public or community housing in each state and territory.  

You can find direct links to housing assistance for your state or territory on the Department of Social Services website.

Find out if you’re eligible for housing support through Services Australia.

Aged care homes can provide accommodation for people experiencing homelessness. Some aged care homes specialise in providing this service. In addition, if someone is at risk of homelessness, the Commonwealth Home Support Program can provide specific support to help.

Read more about aged care support for older people experiencing homelessness.

There are various specialist services available for people at risk of, or experiencing, homelessness. These are operated by state, territory and local governments as well as community sector organisations. 

Homelessness Australia has a list of specialist homelessness organisations nationwide that can support you.

Financial hardship assistance can help you if, for reasons beyond your control, you can’t afford your aged care costs.

Each case is assessed on an individual basis. If you are eligible, the Australian Government will pay some, or all, of your fees.

The Older Person’s Advocacy Network (OPAN) provides free and confidential support for older people receiving government-funded aged care and can assist you with your hardship application. 

Many older Australians access government assistance payments. The most common is the age pension, available for those aged 67 years and older if you’re under the income and assets test limits and have been an Australian resident for at least 10 years. Other available assistance includes the Jobseeker Payment, Disability Support Pension, and Carer Payment.

Find out more about government assistance payments for older people.

The National Debt Helpline is a free not-for-profit service that helps people address financial difficulties. The website has helpful information, but you can also call 1800 007 007 to speak with someone or use the online chat service.

If you are in debt and have legal problems, you can access community legal centres and Legal Aid agencies for free legal advice on the MoneySmart website.

The Home Equity Access Scheme is a voluntary reverse equity mortgage through Services Australia. It offers older people who own real estate in Australia a fortnightly income stream to supplement their retirement income. The payments may be made:

• for a short period while your income and assets are being rearranged, or
• for an indefinite period.

Financial Information Service (FIS) officers at Services Australia can give you information about the Home Equity Access Scheme. 

When working out how to pay for aged care, there are many aspects to consider, such as pensions, superannuation and retirement planning. So, it’s beneficial to seek independent financial advice before deciding how to pay for your aged care.  

Knowing where to start can be confusing, but there is help available. There are organisations, services and tools that can offer guidance and support.

Read more about financial support and advice.