Planning ahead

                It's only natural to avoid dealing with unpleasant topics for as long as possible, and for many people, choosing a place to grow old falls into this category. Bear in mind that in addition to the type of care you require, and the costs you can afford, it is important to consider external factors such as proximity to your relatives and doctors.

                Additionally, to gain a government support, you will need to obtain an ACAT (Aged Care Assesment Team) assessment. This assessment is used to determine which services you may be eligible for financial assistance with. It is not required if you are not seeking financial assistance.

Different Village Types & Costs

                When selecting a Retirement Village, it's important to find one that offers services aligned with your needs. There are two main types:

Low-level care

Also known as independent living, and geared towards providing assistance with your lifestyle, not replacing it entirely. This can include help with everyday tasks such as meals, cleaning and laundry – but some villages offer many extra facilities – busses to nearby shopping centres, transport to medical specialists, or regular classes/activities on popular subjects.

High-level care

                Previously known as nursing homes or hostels, aged care is now associated with ‘high-level' care. In addition to the assistance provided by independent living, you will have access to nursing care when necessary, and perpetual personal care. It is worth noting that many villages offer both types of care – allowing you to avoid relocation if your needs change in future.

Costs

Due to government subsidies, it is mandated that all residents in high and low level care are provided with the same level of basic services. There are several types of fees, however only two of these are ‘capped' by the Australian Government (supported, ACAT assessed places only):

-          Basic daily fee – covering the costs of daily living.

-          Accommodation payment (Bond + Charges) – contributing to capital costs.

In addition to these government capped payments, there are three other categories of charges, covering your ability to pay full fees, and any extra services you may opt-in to.

While the government does not cap these secondary fee categories, controls exist to ensure that residents do not pay more than they can afford, or over the cost of their care. For more information, contact the Aged Care Information Line on 1800-500-853.

External Factors

If you can, visit each village on your shortlist – try to find information on:

-          The village – accessible, well maintained, proximity to doctors?

-          Transport – Close to public transport, operate own bus for excursions?

-          The rooms – single, shared? Amenities? Phone/Internet access?

-          The residents – Their thoughts on the village? Are they well groomed?

-          The staff – How do they behave around residents?

-          Activities and excursions – What's planned, do residents have input?

-          Religious needs – Can clergy visit? Are services operated?

-          Food – Cooked fresh, or brought in? Are snacks + fruit available?

The most important factor to consider for many is how often you will be visited by friends and family. Consider discussing your choice with them – they are more likely to visit if the village you choose is close by, and if they feel involved in your choice.

For more retirement village information, see the Australian Retirement Village Advisor.