The world of aged care can sometimes feel overwhelming, especially with multiple programs designed to support needs at every stage. Two key government-funded aged care programs are the Commonwealth Home Support Programme (CHSP) and the Home Care Package (HCP).
While both offer valuable assistance to ensure you can continue living independently at home, they cater to varying levels of care needs. Understanding the difference between CHSP and HCP is essential in ensuring you or your loved ones receive the right level of support at the right time.
What are CHSP and HCP?
By understanding the difference between CHSP and HCP, you and your loved ones can better evaluate which program is best suited based on your personal circumstances.
Commonwealth Home Support Programme (CHSP)
- Designed for seniors who need entry-level support to remain independent at home.
- Provides basic services such as domestic assistance, transport, and meal preparation.
- Ideal for those requiring temporary or low-level care.
Home Care Package (HCP)
- A more comprehensive program offering four levels of tailored care.
- Includes support such as personal care, nursing, and home modifications.
- Suitable for seniors with more complex or ongoing care needs.
HCP Vs CHSP: the key differences
|
Criteria |
HCP |
CHSP |
|
Eligibility |
Requires a Single Assessment System (replacing ACAT/RAS) for complex care. |
Must be assessed via My Aged Care for basic support needs. |
|
Level of Support |
Tailored care across four levels (basic to high)*. |
Entry-level care for specific tasks. |
|
Funding Model |
Allocated funding with greater flexibility. |
Pay-as-you-go (government subsidises services). |
|
Flexibility |
Highly customisable services. |
Limited service choices. |
|
Ideal For |
Seniors with more significant care needs. |
Seniors needing minimal assistance |
* Note, the Support at Home Program will replace the Home Care Packages Program and Short-Term Restorative Care Programme from 1 July 2025.
Why apply for an HCP?
While CHSP is a fantastic starting point for low-level care, applying for an HCP provides access to a wider range of services. Here’s why transitioning to an HCP can be beneficial:
- Comprehensive Care Options: HCPs cover more than just basic tasks, supporting needs such as nursing care, personal care, and specialised equipment.
- Long-Term Solutions: Unlike CHSP, HCPs provide ongoing care, ensuring stability for seniors with complex needs.
- Customisation: With four levels of care, HCPs are tailored to meet individual requirements, offering greater flexibility than CHSP and the opportunity to scale your services as your care needs grow.
Why it's important to accept your HCP allocation
Receiving a Home Care Package allocation is a critical step in securing the support you or your loved one's needs. Accepting your allocated HCP can:
- Secure Your Spot: Due to demand, declining an HCP could mean longer wait times for reassessment.
- Access Subsidised Care: HCPs offer a cost-effective way to access a co-ordinated approach to the delivery of help at home.
- Maximise Income Tested Care Fee (ITCF) Benefits: An HCP ensures access to comprehensive services without undue financial strain, even if the ITCF applies.
What to do while waiting for your HCP?
The wait time for Home Care Packages can vary depending on your date of approval and priority for care. Here are some steps you can take while waiting:
- Utilise CHSP Services: In the interim, accessing CHSP services ensures you or your loved one receives immediate support for day-to-day tasks.
- Plan Ahead: Work with aged care providers to identify your or your loved one's needs and prepare for HCP approval.
- Seek Private Care Support: Temporary private care (such as self-funded services) can fill gaps while waiting for government-funded services.
Proactive planning helps reduce the stress of delays and ensures continuity of care.
Benefits of combining CHSP and HCP
Combining CHSP and HCP services can be an effective strategy, especially during transitional periods. For instance:
- CHSP can provide immediate, entry-level care while awaiting HCP allocation.
- HCP delivers tailored, long-term solutions once allocated providing help with many everyday tasks, or the care you need for more complex or intensive services.
By leveraging both programs, you and your loved ones can ensure seamless and comprehensive care.
Simplifying your aged care journey with Catholic Healthcare
At Catholic Healthcare, we understand the complexities of aged care funding and are here to guide you every step of the way. Whether you’re navigating the Commonwealth Home Support Programme or transitioning to a Home Care Package, our expert team ensures you find the right solutions tailored to your needs.
To learn more about how we can support your loved one’s journey to independent, confident living,
Contact us today
Upcoming changes to the Home Care Package Program
Please note that from 1 July 2025, the Australian Government will replace the current Home Care Package (HCP) Program with the Support at Home Program. This integrated program aims to streamline aged care services, reduce wait times, and provide greater flexibility for older Australians.
Catholic Healthcare is committed to staying informed and adapting to these changes, ensuring our clients continue to receive exceptional, person-centred support.
Find out more information here.
About Catholic Healthcare
At Catholic Healthcare, our mission is to promote life in all its fullness by providing compassionate care that enriches the lives of our residents and clients. With over 30 years of experience, we are committed to delivering high-quality aged care across New South Wales and South-East Queensland. Stay connected with us to learn more about our initiatives, programs, and the incredible individuals who make Catholic Healthcare a place of care and connection.