Exploring NDIS funding: a guide for beginners

Embarking on the journey of understanding the National Disability Insurance Scheme (NDIS) often comes with a myriad of questions, especially concerning the utilisation of NDIS funds. It can be a daunting task initially to discern the nature of the funding provided under the NDIS and what financial responsibilities fall on the individual.

Let's delve into the realm of what NDIS funds can be used for and how to navigate the process effectively.

Eligibility and Goal Setting

Before delving into the specifics of NDIS funding, it's imperative to establish eligibility:

• Individuals aged between 7 and 64

• Australian citizens

• Permanent residents

• Holders of a Protected Special Category Visa

• Residing in Australia are eligible to apply.

• If a permanent impairment causes a disability requiring disability-specific supports, an application can be submitted.

Once approved for an NDIS plan, the next step involves setting personalised goals. These goals vary based on individual circumstances, disabilities, and desired levels of independence. For instance, goals could revolve around achieving self-sufficiency in daily tasks, learning to drive, or aspiring to live independently.

How NDIS Funds Support Goals

After establishing goals, understanding how NDIS funds can assist in achieving them becomes crucial. NDIS funds are allocated based on the concept of 'Reasonable and Necessary Supports,' guided by specific criteria:

1. Relevance to disability: The support must be directly related to the individual's disability.

2. Goal alignment: The support should contribute to pursuing the set goals.

3. Barrier reduction: It should alleviate disability-related barriers, fostering participation in social and economic activities.

4. Value for money: The support's benefits and cost-effectiveness are evaluated.

5. Evidence of benefit: The support should have good practice and evidence supporting its potential benefits.

6. Complementary nature: It complements existing informal supports from family, carers, and the community.

7. Appropriateness of NDIS funding: NDIS is deemed the most suitable funding source.

8. No duplication: The support isn't funded by other service systems, agencies, or bodies.

Exclusions from NDIS Funding

While NDIS funds cover a broad spectrum, certain exclusions exist. The NDIS won't fund supports that may cause harm, aren't related to the disability, constitute day-to-day living costs like food or rent, duplicate other NDIS supports, breach the law, serve as income replacement, or fall under the responsibility of other service systems.

Understanding NDIS Plan Budgets

NDIS funding is divided into three categories:

1. Core Supports Budget: The most flexible budget, covering daily personal needs, consumables, social and community participation, and transport.

2. Capacity Building Budget: Aimed at enhancing independence, supporting coordination, living arrangements, social and community participation, employment, relationships, health, learning, life choices, and daily living.

3. Capital Supports Budget: Reserved for one-time purchases, such as high-cost assistive technology or home modifications.

Remember, as an NDIS participant, you possess the autonomy to decide how your NDIS plan is spent, as long as it aligns with the guidelines. For further assistance in optimising your plan, consider reaching out to More Than Support Coordinators.

In conclusion, understanding the nuances of NDIS funding is the key to unlocking its full potential in achieving personal goals and enhancing the overall quality of life.