Understanding the new Support at Home program

The Australian Government has introduced the Support at Home program to make aged care simpler and fairer for older people living at home. It brought together the Home Care Package and Commonwealth Home Support Program (CHSP) into one clear system.

Instead of fixed package levels, each person now receives an individual classification and budget based on their needs. This makes it easier to choose the right mix of supports to stay independent, connected and safe at home.

For Holdsworth clients, we can help you understand how the new program works, what your classification means and how your current services continue under the new model. Learn more about our aged care services at home.

What it replaces and why it matters

Previously, people received support through two separate programs: Home Care Packages and the Commonwealth Home Support Program (CHSP). Each had different funding rules and eligibility pathways.

In November 2025, the Home Care Package (HCP) program transitioned into the new Support at Home model, creating a simpler process, fairer funding and more flexibility for older Australians, carers and providers.The Commonwealth Home Support Program (CHSP) will transition to Support at Home no later than 1 July 2027.

Who qualifies and how classification works

Eligibility for Support at Home is determined through the government’s Single Assessment System (previously ACAT or RAS). This independent process looks at your care needs, daily routines, living situation and goals.

Based on your assessment, the government assigns an individual classification and budget, not a “package level”, which determines how much funding you receive.

Holdsworth’s role is to help you understand that budget, co-create a support plan that aligns with your lifestyle and coordinate the services that are most important to you and your support network.

Typical services may include:

The 8 Support at Home classification levels explained

There are 8 levels in Support at Home classifications, each reflecting different care needs and support types. These Support at Home funding levels help ensure people receive the right care at the right time, whether that’s light assistance or daily clinical support.

Classification 1 – Minimal support for independent living

For people who live mostly independently but need help with a few tasks.

Examples: occasional cleaning, simple meal preparation, short transport trips

Classification 2 – Light personal & social support

Provides low-intensity help for day-to-day routines and social connection.

Examples: help with showering, shopping or joining community groups.

Classification 3 – Moderate assistance with daily living

Supports people who need more regular help around the home.

Examples: weekly domestic assistance, meal planning or companionship visits.

Classification 4 – High-frequency personal & domestic support

For those who need daily personal care and help to manage the household.

Examples: dressing, meal delivery and cleaning multiple times per week.

Classification 5 – Daily support with health monitoring

Combines practical assistance with health oversight from care professionals.

Examples: medication prompts, check-ins from nurses, mobility support.

Classification 6 – Comprehensive health & clinical care

For people with higher care needs requiring professional input.

Examples: clinical nursing, therapy services, equipment management.

Classification 7 – Intensive daily multidisciplinary care

Brings together clinical and allied health specialists for daily support.

Examples: wound care, ongoing rehabilitation and regular nursing visits.

Classification 8 – Highest classification & palliative support

For people with complex or end-of-life care needs who require comprehensive daily care.

Examples: palliative support, pain management, coordination with medical teams.

Funding, budgets & what the numbers mean for you

Quarterly vs. annual budgets

Funding under Support at Home is provided quarterly rather than weekly or fortnightly. This gives people more flexibility to plan their care spending.

Classification

Quarterly Budget (approx.)

Annual Budget (approx.)

1

$2,500

$10,000

2

$4,000

$16,000

3

$6,000

$24,000

4

$8,500

$34,000

5

$10,500

$42,000

6

$12,500

$50,000

7

$14,500

$58,000

8

$16,000

$64,000

These figures are current as of November 2025 and may be indexed annually. Each classification allows for different types and intensities of support services, from light domestic help to daily clinical care.

How unspent funds and rollover work

You can carry forward up to 10% or $1,000 (whichever is greater) of your unspent funds each quarter. This gives you flexibility for future needs, such as equipment or additional home modifications.

Comparing the old HCP system with the new scheme

The new home care package levels have been replaced by the Support at Home classifications. Instead of four package levels (1–4), there are now 8 levels, providing more precise support and reducing waitlist mismatches.

Choosing & working with your provider: a carer’s checklist

What to ask about your classification and budget

  • How does my classification align with my care needs and goals?
  • What types of services are included in my budget?
  • How often will my plan be reviewed?

Monitoring, reassessment & when levels change

Your needs may change over time. If they do, you can request a reassessment through My Aged Care. Holdsworth can support you through this process and adjust your care plan accordingly.

How the program support carers and families

  • Relief through flexible respite options
  • Guidance on managing care and navigating assessments
  • Regular updates and transparent communication
  • Respect for the rights of older people, ensuring every person is treated with dignity, has choice in their care and is supported to make informed decisions

FAQs & common misunderstandings

What is a Support at Home classification level, and how is it different from a Home Care Package?

Support at Home classifications replace the old Home Care Package levels. Instead of four packages, there are 8 levels that reflect more specific needs and allow for flexible service choices.

How do I know which classification I’ll receive?

Your classification is determined by the government’s Single Assessment System. Holdsworth can help you prepare for your assessment and understand the results, but we don’t decide your level or funding.

Can I choose my own service provider?

Yes. You have complete freedom to choose who delivers your care and can switch providers at any time.

If you’d like to speak with a local team who understands your community, reach out to Holdsworth on 1300 882 962 for a friendly chat.

Are there exit fees if I switch providers?

No. Providers can’t charge exit fees under the new Support at Home program.

Do these levels affect my pension?

No. Your aged care classification doesn’t change your pension eligibility or payment rate.

Can the classification level change over time?

If your health or lifestyle needs change, you can request a reassessment through My Aged Care.

What happened to those already on a Home Care Package when the new Support at Home program began?

People who previously received a Home Care Package have now moved across to an equivalent Support at Home classification that reflects their existing support needs.

Their services continue under the new model, and funding now aligns with their individual classification and goals.

Do classification levels affect the services I can receive or the provider I must use?

No. Your classification level only determines your government funding amount, not which provider you must use. Within your budget, you can choose the services that best fit your goals, lifestyle and preferences.

Is there a handbook or guide I can download?

Yes. The Australian Government’s official Support at Home Program Handbook can be downloaded here.

What services are covered under Support at Home funding levels?

You can use your budget for services that help you live independently, safely and comfortably at home. This may include:

Your Care Partner will help ensure that every service aligns with your care goals and government guidelines.

Are there limits on how I can use my budget?

Yes. Your funding must be used for items or services linked to your care needs and agreed in your plan. It can’t be used for general household bills, entertainment or items that are not related to your health, safety or independence.

How much will I need to contribute?

Most of your support is funded by the Australian Government. Depending on your financial situation, you may contribute through a basic daily fee or an income-tested fee. The government sets annual and lifetime caps to make sure fees remain fair and affordable. Holdsworth can help you understand your contribution before services begin.

Is there an annual cap on what I pay?

Yes. The government applies annual limits to income-tested fees, which reset each year. Once you reach the cap, you don’t pay any more income-tested fees for the rest of that year. Your Care Partner can show you how this works and how it affects your budget.

How will I know how much funding I have?

Your provider will give you a regular statement showing your balance and spending. Holdsworth reviews this with you so you always know what’s available.

What happens if I don’t use all my funds?

You can carry over up to 10% or $1,000 of unspent funds each quarter, whichever is higher. These rollover funds can be used later for equipment or extra support as your needs change.

If you transitioned from a Home Care Package, any unspent funds may also be used for assistive technology and home modifications under the Support at Home program once approved.

Why choose Holdsworth?

At Holdsworth, we believe quality care is about more than just services — it’s about trust, connection and genuine support. With a local focus, dedicated care managers and a commitment to simple, transparent fees, we help you get the most out of your Support at Home classification while feeling valued and cared for every step of the way.

“Holdsworth has been so amazing with my father, the people are amazing – caring and patient and fun.” – Maya, Dementia Friendly Woollahra Member

We offer free aged care at home consultations to help you understand your classification, budget and available support. Our friendly team can walk you through the new Support at Home system and help you plan care that fits your lifestyle. 

Call 1300 882 962 or contact us online.