Helping families take care of their own
Clarity Aged Care Advisors helps families optimise RAD/DAP decisions, aged care fees and Centrelink outcomes
Helping families take care of their own
Clarity Aged Care Advisors helps families optimise RAD/DAP decisions, aged care fees and Centrelink outcomes
Helping families take care of their own
Clarity Aged Care Advisors helps families optimise RAD/DAP decisions, aged care fees and Centrelink outcomes
New Aged Care Act - November 1st 2025
The New Aged Care Act makes aged care fees more complex, with updated means-testing and daily payment requirements. We can create a personalised model to help you understand your upfront and ongoing fees under the new Act.
How We Can Help You Navigate The Costs of Aged Care
Clarity Aged Care Advisors guide families through the complex and emotional process of transitioning their loved ones into aged care. Our team creates strategic plans to help you navigate each step efficiently and with emphasis on the financial outcome under the new Aged Care Act 2025.
Our services include:
- Aged care cost modelling: Compare RAD vs DAP using current MPIR & RAD retention rules to identify optimal outcome.
- Fee explanation: Clarify NCCC, HELF, HSC, DAP, and Basic Daily Care Fees so you know what you’re paying.
- Pension and fee optimisation: Model Age Pension and Non-Clinical Care Contribution impacts to minimise costs.
- Family home strategy: Assess keep, rent or sell scenarios and the effect on fees and pension outcomes.
- Contract review: Work with the facility to finalise the contract, ensuring all details are accurate.
- Centrelink guidance: Guidance on Centrelink forms and requirements to ensure entitlements are calculated correctly.
- Facility shortlisting and negotiation: Source suitable options, negotiate room price, clarify inclusions and extra services.
- Ongoing support and invoice review: Verify invoices, reconcile fees and adjust the plan as circumstances change.
- Specialist referrals: Introductions to independent legal, tax and estate planning professionals when needed.
Benefits of Our Aged Care Advice
Clear aged care advice that simplifies options, clarifies costs and guides your next steps.
Reduce Stress
Having been through the process ourselves, we know that moving a loved one into aged care can be confusing and overwhelming. We provide families with a clear, simplified plan that breaks down the complex RAD/DAP decisions, fees, and Centrelink requirements, so you can make confident, informed choices and focus on care, not paperwork.
Save Money
Without the right guidance you could be unnecessarily overpaying by $200,000 or more. Our aged care advisors can help you reduce your fees and maximise your government entitlements when moving into care. To date, we have saved a majority of our clients an average of over $120k on their room price.
Save Time
We help families move from first call to a confirmed aged care plan quickly and efficiently. Our structured process streamlines paperwork, facility coordination, and decision making, so the transition typically takes 5–10 business days. We’ll hold your hand and guide you through every step, ensuring you have more time to care for your loved one.
Confused About Aged Care?
Where do I start?
Start by registering for an Aged Care Assessment (ACAS) via My Aged Care, then call us to discuss next steps for moving into care.
What is a RAD?
A RAD (Refundable Accommodation Deposit) is the upfront cost of an aged care room, payable as a lump sum, daily payment, or combination, with government guarantees for refunds.
Will I need to sell the family home?
You may not need to sell your home; it depends on your circumstances and payment method, with exemptions for low means residents.
What will happen to my pension?
RAD payments and moving into aged care can affect pension entitlements, with home exemptions and ‘couple separated by illness’ rules potentially increasing benefits.
What is the Non-Clinical Care Contribution?
This government-set fee depends on income and assets, ranges from $0 to $105 per day, and has a lifetime cap to help cover aged care costs.
Do I need to fill out all this Centrelink documentation?
Not always, in some cases updating Centrelink may not be required.
Why Trust Clarity for Your Aged Care Planning?
Clarity was born out of our own personal experience.
When it came time to transition our loved one into care, we felt anxious, confused & overwhelmed. The process was emotionally challenging, filled with complex financial decisions and professional guidance was hard to find. This experience inspired us to create Clarity Aged Care Advisors over 10 years ago, a service dedicated to supporting families through the aged care journey with compassion and expertise.
At Clarity, we provide clear, reliable guidance to help ease the emotional, financial, and logistical challenges of entering aged care. Our team develops strategic plans that navigate current rules under the 2025 Aged Care Act, including new fee structures like NCCC, HELF, HSC, and RAD/DAP options. Our mission is to empower families with the knowledge and support they need to make confident and informed decisions about their loved one’s care.
“My personal experience convinced me beyond any shadow of a doubt that thousands of Australians are overpaying when entering Aged Care and continuing to overpay on a monthly basis”
Rodney Horin, Founder
Testimonials
They went above and beyond
The team were excellent to deal with and went above and beyond at every opportunity. Clarity achieved a result for our family that we assumed was out of reach and did so in a professional, considered and caring manner. We are very grateful for their service. They communicated well, continually followed up to keep the process moving and delivered on exactly what they said they would.
Clarity relieved all my headaches
I would like to say that my dealings with Clarity Aged Care Advisors have been exemplary. I was made to feel relaxed in all my discussions, my family has achieved the outcome we hoped for in regard to mum’s placement into an aged care facility. Dealing with Clarity was a pleasure, it relieved me of all the headaches that come with dealing with the aged care system, I can highly recommend them to all future clients.
We have a clear path moving forward
Clarity Aged Care Advisors were a godsend when I was overwhelmed with the complexities of aged care for my mother. They provided a wonderful advisory service to my mother and me, and we felt we had a clear path forward. They were knowledgeable and infinitely patient with us. We can’t recommend them highly enough.
Made it so much more managable
I cannot thank Clarity Aged Care Advisors enough for their exceptional support in helping my father navigate the complicated process of transitioning our mother to a permanent aged care facility. Their expertise, dedication, and compassion made a challenging - and often confusing - situation much more manageable for both me and my father. I can’t imagine how much harder it would have been on us without their help.
They helped us make informed decisions
What truly sets Clarity apart is their unwavering commitment to our family's well-being. They patiently explained the implications of different care options, helping us make informed decisions. Their dedication to ensuring that our loved ones received the best possible care while staying within our budget was truly commendable.
Made a daunting process easy and smooth
I just wanted to email you and say thanks for making what could’ve been a daunting and stressful process so easy and smooth. With your advice and guidance, I was able to make a confident and informed decision for my uncle which has resulted in getting him the best possible care.
Understanding Aged Care Costs
Moving family members into aged care is difficult and emotional. The need to move often arrives with little warning and leads to a complex array of financial decisions.
After selecting a facility, families must navigate a range of considerations, including funding of accommodation deposits (RAD/RAC), daily care fees, Higher Everyday Living Fees (HELF), Hotelling Supplement Contributions (HSC), Centrelink Non-Clinical Care Contributions (NCCC), pension entitlements, and the question of whether to sell the family home. Many of these costs are means-tested, so residents may pay none, some, or all depending on their assets and income.
The process is compounded by the short time in which to make these choices, the confusing acronyms like RADs, DAPs, DACs & RACs and the challenge of navigating Centrelink requirements.
Our expert advisors work closely with families to create a strategic plan that simplifies the process and ensures compliance with the 2025 Aged Care Act. We help you understand your options, including fee strategies and government entitlements, potentially saving tens of thousands of dollars each year.
Latest Articles
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The new aged-care rules you need to know about
Frequently Asked Questions
Our expert advisors work closely with families to create a strategic plan that simplifies the process of moving a loved one in care with an emphasis on the financial outcome. Our guidance can assist families in understanding their options and demonstrate how each possible scenario will impact their Aged Care fees and government entitlements – potentially saving tens of thousands of dollars each year. Our goal is to empower families with the knowledge and support needed to make confident, informed decisions for their loved one’s care.
Australia ensures that no one is denied access to Aged Care. The federal government subsidises aged care costs, covering up to $420 per person per day for full-fee-paying residents. On top of that, some residents who were not previously eligible for the Age Pension may qualify after entering aged care. Additionally, for residents with limited financial means, the government provides even greater support.
Contact us today to find out how much government assistance you may be eligible for.
Choosing the right aged care advisor can make a significant difference not only in the financial outcome but also in providing peace of mind. Look for an advisor who specialises exclusively in aged care and has personal experience with the process. This ensures they understand both the logistical challenges and the emotional complexities involved.
A knowledgeable advisor will guide you through government subsidies, care costs, and entitlements while providing clear, compassionate support. Moving a loved one into care is a complex and emotional journey, so it's important to have an advisor who explains your options simply and understands your circumstances with empathy.
It’s also important to choose an advisor who operates on a fee-for-service basis, ensuring they are not incentivised to recommend facilities or alternatives that may not be the right fit. At Clarity Aged Care Advisors, we provide expert, independent guidance and ongoing support to help families navigate aged care with confidence. Contact us today to discuss your options.
Melbourne’s Aged Care Advisors
Start planning your aged care pathway today
Level 12, 412 St Kilda Road, Melbourne 3004.