Understanding the New Aged Care Rules in Australia: Costs, Centrelink & What Families Miss

What do Australia’s new aged care rules mean for your family? Yield client experience consultant Angelo is joined by one of our Aged Care specialist advisors, Leah to explore this question. Together, they discuss and unpack the changes introduced in November 2025 and the details families can easily overlook when arranging care. From understanding aged care costs to navigating assessments, Centrelink and questions about the family home, this conversation helps you identify what to ask before making important decisions for yourself or an ageing loved one. Questions covered in this discussion: ➤ What changed under the new aged care rules, and why were the changes introduced? ➤ Who is affected, and what should people already receiving care check? ➤ How have aged care costs changed, and which expenses can catch families by surprise? ➤ Where do families get caught out with assessments, Centrelink, the family home and paperwork? ➤ What should you do first when starting the aged care journey? Planning aged care can involve emotional decisions alongside financial ones. Understanding which questions apply to your situation can help you approach the next step with greater clarity. This discussion focuses on the reforms introduced in November 2025. Your circumstances, care arrangements and relevant dates can affect how the rules apply to you. Need help with your families aged care decisions? You don’t need to have every detail worked out before asking for help. Arrange a meeting with Yield’s aged care advice team to discuss your circumstances, questions about care costs and the financial decisions ahead. Request a free initial consultation: https://yieldfinancialplanning.com.au... Already a Yield client? Contact your adviser to arrange a conversation about aged care planning for yourself or a loved one. Call us on 03 911 9026 General Advice Warning: This information may be regarded as general advice. That is, your personal objectives, needs or financial situations were not taken into account when preparing this information. Accordingly, you should consider the appropriateness of any general advice we have given you, having regard to your own objectives, financial situation and needs before acting on it. Where the information relates to a particular financial product, you should obtain and consider the relevant product disclosure statement before making any decision to purchase that financial product. Timestamps: 00:00 Aged Care Changes Explained (2025) 00:30 Why Aged Care Rules Changed in Australia 01:10 New Aged Care Fees & Costs Explained 02:25 Higher Everyday Living Fee Explained 03:20 Hoteling Contribution & Non-Clinical Care Costs 05:00 Who Is Affected by the New Aged Care Rules? 05:40 Aged Care Grandfathering Rules Explained 07:00 New Aged Care Assessment Process 08:20 Common Aged Care Assessment Mistakes 10:00 Services Australia Delays & Aged Care Payments 12:00 Hidden Costs of Delaying Aged Care Decisions 13:40 Biggest Aged Care Fee Surprises for Families 15:15 Selling the Family Home for Aged Care 16:30 How Aged Care Means Testing Works 18:00 What Aged Care Fees Do Not Cover 19:30 Aged Care Planning Tips Everyone Should Know