Don’t Wait for the Crisis: Planning for Aged Care & November 1st, 2025 Rules

When it comes to aged care, too many families wait until a health crisis strikes before making decisions. This can lead to rushed choices, limited options and unnecessary stress. By planning ahead, you can take control of your future and make confident, informed decisions for yourself or your loved ones.

With new residential care fee structures coming into effect on 1 November 2025, now Is the time to review your options and understand how these changes could impact you.

The Three Phases of Retirement

Retirement isn’t just about stopping work – it unfolds in three phases:

1. Active phase – a time of independence, travel and lifestyle enjoyment.
2. Supportive phase – Some at-home help with housework, meals, or personal care becomes valuable.
3. Care phase – when residential or higher level care is needed.

Recognising these stages helps you prepare both financially and emotionally for the journey ahead.

Aged Care Options

There’s no one size fits all solution. Your choices may include:

• Support at home – services that help maintain independence
• Retirement villages – offering community, lifestyle and varying levels of support
• Residential care – a fully supported environment, providing accommodation, meals and personal care.

The right pathway depends on your health, finances and personal preferences.

Residential Care and November 1 Rules

Residential care is often considered later in life – but waiting can reduce your choices. From November 1 2025, updated fee structures will apply, with rates subject to indexing.

What will you pay?

• A combination of accommodation costs, daily fees and means tested contributions.
• Options for paying for your room include lump sums, daily payments, or a mix of both.

Understanding these rules early ensures you’re financially prepared and avoids being caught off guard in an emergency.

Key Takeaways

• Don’t wait for a crisis – start planning today
• Understand the three phases of retirement and the support you may need
• Be aware of the November 1, 2025, fee structure changes
• Seek professional advice to explore how your home and assets affect your options.
• Planning ahead ensures freedom, choice, and peace of mind.

Every situation is unique, and the right choices depend on your personal financial circumstances. Speaking with a specialist financial planner ensures your plan is tailored to your needs – helping you and your family face the future with confidence.

At Fortuna Wealth Management, we help you prepare for aged care with clear advice, practical solutions and peace of mind.