Comparing CHSP and HCP: What’s Right for You?
Understanding the differences between various government-funded home care programs can be challenging. To help you decide which option is best for you or your loved one, we’ll compare the Commonwealth Home Support Program (CHSP) and Home Care Packages (HCP).
Commonwealth Home Support Program (CHSP):
Introduced in July 2015, the CHSP is the first step in the Commonwealth aged care system. It provides minimal funding for older Australians needing basic help to live safely at home. The CHSP is not means-tested, but you will need to contribute a small amount financially, with the government covering the rest. Services are delivered via a care plan, typically a few hours per week.
Eligibility for CHSP:
- Aged 65 years or older (50 years or older for Aboriginal or Torres Strait Islander people)
- Aged 50 years or older (45 years or older for Aboriginal and Torres Strait Islander people) and on a low income, homeless, or at risk of homelessness
Home Care Packages (HCP):
HCPs provide a more comprehensive level of support in the aged care system. They offer coordinated services to help you stay at home longer, with four levels of care ranging from basic to high needs. An assessment by the Aged Care Assessment Team (ACAT) is required. Post-assessment, you’ll receive a letter detailing your approval status and the level of care needed.
HCP Flexibility:
Once approved, you can select a provider like Home Care Assistance Central Coast to create a personalised care plan. This plan may include help with bathing, cleaning, shopping, and attending social events. Due to high demand, there is often a waiting list for HCPs, but CHSP funding can be used while you wait.
Distinguishing CHSP from HCP:
The key difference lies in the level and duration of support. CHSP is suitable for those needing minimal assistance, whereas HCPs cater to more complex, ongoing care needs.
Accessing CHSP and HCP Together:
While generally, you shouldn’t receive both CHSP and HCP funding simultaneously, there are exceptions:
- If on a Level 1 or 2 HCP with a fully allocated budget, short-term Allied Health and Therapy or Nursing services from CHSP can be accessed.
- If your carer needs respite and you’re on a Level 1 to 4 HCP with a fully allocated budget, additional respite services are available under CHSP.
- In emergencies or if your carer cannot continue, and you’re on a Level 1 to 4 HCP with a fully allocated budget, extra services can be provided by CHSP on a short-term basis.
- If awaiting a higher-level HCP (Level 3 or 4) and currently on an interim Level 1 or 2 package with a fully allocated budget, additional home modifications can be accessed from CHSP.
Navigating these options can be complex. Home Care Assistance Central Coast is here to help. Contact us today for assistance with the application process and to manage your home care needs effectively.
