If you’ve ever felt like navigating NDIS funding is a bit like trying to assemble flat-pack furniture without the instructions, you’re not alone. One of the biggest questions people ask is: when does NDIS funding stop? If you, or someone you care for, is approaching 65, it’s natural to wonder what happens next. Does the funding just vanish into thin air? Can you stay on NDIS after 65? And if not, what’s Plan B?
Let’s cut through the confusion and break it down in simple terms.
Does NDIS Funding Stop at 65?
The short answer? Not exactly, but there are rules you need to know.
If you’re already receiving NDIS support before you turn 65, congratulations—you’re in! Your funding doesn’t just stop because of a birthday. However, if you haven’t joined NDIS before hitting 65, you’re out of luck. Instead, you’ll be directed to My Aged Care, a separate government support system.
So, is there an age limit for NDIS? Technically, yes—but only for new applicants. If you’re already receiving NDIS before 65, you can stay. If you’re applying for the first time after 65, you’ll need to explore other options.
What Happens When You Turn 65 on NDIS?
A lot of people assume that once they hit 65, their NDIS plan turns into a pumpkin. Thankfully, that’s not the case. But you do have some decisions to make.
Your Two Main Options:
- Stay on NDIS: If you were approved for NDIS before turning 65, you can continue receiving the same support.
- Transition to My Aged Care: Some people choose to switch to aged care services, which offer different types of funding and support.
So, why would someone move to My Aged Care? Well, it depends on what services you need. While NDIS is designed for people with permanent disabilities, My Aged Care is more focused on general support for older Australians.
If you stick with NDIS, your existing supports will continue, but your plan may shift to focus on maintaining independence rather than capacity-building supports.
Can You Stay on NDIS After 65?
Yes! If you’re already on NDIS, there’s no forced exit. You don’t have to swap to My Aged Care unless you want to. But—and this is a big but—some participants might find My Aged Care a better fit, depending on their needs.
That said, NDIS plans for people over 65 often shift slightly. Some supports may be adjusted to better align with aged care services. It’s worth having a chat with an NDIS planner to see how your plan might change.
So, while there is an NDIS age cut-off for new applicants, those already in the system can keep their funding. The real question is: which program best meets your needs?
Key Differences Between NDIS and My Aged Care
If you’re wondering how these two programs compare, here’s a quick rundown:
| Feature | NDIS | My Aged Care |
| Eligibility Age | Under 65 (unless already a participant) | 65 and over |
| Focus | Disability support | General aged care |
| Funding Model | Tailored funding based on needs | Subsidised services with user contributions |
| Support Services | Personal care, therapy, equipment, home modifications | Home care, allied health, residential care |
| Flexibility | High – customised to individual needs | Lower – standardised packages |
One of the biggest differences is that NDIS funding is personalised to your specific disability needs, while My Aged Care works on a broader model designed for older Australians. If you rely heavily on therapies, equipment, or disability-specific services, sticking with NDIS might be the better choice.
What Support Is Available If You Are No Longer on NDIS?
If you don’t qualify for NDIS after 65 or decide to transition, don’t panic—there are still plenty of options available:
- My Aged Care: This includes the Commonwealth Home Support Programme (CHSP) and Home Care Packages (HCP) to help with daily tasks, home modifications, and personal care.
- Disability Support Pension (DSP): If you’re already receiving DSP, it won’t just disappear when you turn 65.
- Local Council and Government Grants: Some states and councils offer additional disability and senior support programs.
Even though the NDIS cut-off age applies to new applicants, alternative funding sources are available to ensure you continue receiving the support you need.
FAQs – Common Questions About NDIS Funding and Age Limits
Does NDIS funding stop automatically at 65?
No. If you were already receiving NDIS support before turning 65, it continues unless you choose to transition to My Aged Care.
Can I apply for NDIS after 65?
No. If you’re 65 or older and not already on NDIS, you won’t be able to apply. Instead, you’ll need to access My Aged Care.
What happens if I have high support needs?
If you have significant support needs, My Aged Care may not cover everything you had under NDIS. However, there may be additional funding available through aged care packages or government assistance programs.
What is the cut-off age for NDIS?
The NDIS age eligibility rules state that new applicants must be under 65. However, existing participants can continue receiving support past this age.
Can you get NDIS over 65?
Only if you were already receiving NDIS before turning 65. If not, you’ll need to apply for aged care support instead.
So, when does NDIS funding stop? The answer isn’t as simple as a yes or no. If you’re already an NDIS participant, you can keep your funding. If you’re applying for the first time after 65, NDIS isn’t an option, but My Aged Care can provide support instead.
Understanding the NDIS age limit, transition options, and alternative funding sources ensures you have a clear plan for the future. Whether you decide to stay on NDIS or explore aged care services, knowing your rights puts you in control.
If you’re feeling unsure about what’s best for you, reach out to an NDIS planner or aged care advisor. Funding might change, but one thing’s for sure—your access to support doesn’t have to.
Still have questions? Speak to an NDIS specialist or My Aged Care advisor to explore your best options today.