Understanding funding
Your Budget Explained
What your approved budget actually pays for, and what 'income-tested contribution' really means in plain English.
Your budget is money in your package
Think of it as money in your package for approved services — not a lump sum paid to you directly. It's drawn down as services are delivered.
Some services are fully covered
Clinical supports — nursing, wound care, medication management — carry no participant contribution. The government pays the full cost.
Some services may involve a contribution
Everyday living services (like domestic help) and independence services may involve an income-tested contribution, depending on your personal financial situation as assessed by Services Australia.
Jargon buster
- Income-tested contribution
- An amount some people contribute toward everyday living and independence services, based on their income — assessed by Services Australia, not by Silvergrace.
- Clinical supports
- Nursing and other medical-style care — always fully funded, no personal contribution required.
- Package funds
- The running total of your budget as services are used, shown on your monthly statement.
Common questions
Will I know my contribution amount in advance?+
Yes — Services Australia assesses this and confirms it in writing before your contribution rate applies. We'll always show it clearly on your statement.
Can unused budget roll over?+
Rules on unused funds can change — ask us for the current settings when we prepare your personalised quote.
Still have questions? We're happy to talk it through.