Understanding Your NDIS Funding: A Complete Guide
Navigating NDIS funding can feel overwhelming, but understanding how it works is key to getting the most from your plan. This guide breaks down everything you need to know about NDIS funding categories, how to use your budget, and tips for managing your supports.
The Three NDIS Budget Categories
Your NDIS plan is divided into three main budget categories:
1. Core Supports
Core supports help with your daily activities and are the most flexible part of your budget.
What's included:
- Assistance with daily personal activities
- Transport to access community activities
- Consumables (like continence products)
- Assistance with social and community participation
Key feature: You can move funds between different types of core supports as needed.
2. Capital Supports
These are one-off purchases of equipment or home modifications.
What's included:
- Assistive technology (like wheelchairs or communication devices)
- Vehicle modifications
- Home modifications for accessibility
- Assistive products for personal care and safety
Key feature: Usually requires quotes and approval before purchase.
3. Capacity Building
These supports help you build skills and independence.
What's included:
- Support coordination
- Therapeutic supports (physiotherapy, occupational therapy)
- Specialist behavioural intervention
- Skills development training
Key feature: Must be used for the specific purpose allocated.
Making the Most of Your Funding
Plan Ahead
- Review your plan regularly with your support coordinator
- Keep track of your spending
- Plan for seasonal variations (like increased transport costs in winter)
Understand Your Flexibility
- Core supports offer the most flexibility
- Capital and capacity building supports are more restricted
- Some supports can be used across categories
Stay Informed
- Keep up with NDIS price guide changes
- Understand your provider's pricing
- Know your rights as an NDIS participant
Common Funding Questions
Q: Can I save my NDIS funding? A: You can carry over up to $1,500 of Core supports to your next plan, but other unused funds are generally lost.
Q: What if I need more funding? A: You can request a plan review if your circumstances change significantly.
Q: Can I choose my own providers? A: Yes, you have choice and control over who provides your supports.
Getting Support
If you're feeling overwhelmed by your NDIS plan, remember that help is available:
- Support coordinators can help you understand and use your funding
- The NDIS helpline offers guidance
- Disability advocacy services provide free support
At Hive Disability Services, we're here to help you navigate your NDIS journey. Contact us to discuss how we can support you to achieve your goals.
Need help understanding your NDIS plan? Contact Hive Disability Services today for personalised support and guidance.