Most of us instinctively avoid thinking about growing older. It is human nature to dodge the topic of aged care until a crisis strikes. However, waiting until an emergency occurs often means being thrust into a system that is complex, confusing, and notoriously brutal to navigate. Government-funded support is not a tap you can simply turn on tomorrow; the journey from application to implementation is a long and frustrating one.
The Royal Commission into Aged Care Quality and Safety identified a sobering reality “resisting knowledge of, and delaying interaction with, the aged care system is that when people are eventually forced to consider their aged care needs, it can often be at a point of crisis – for example, following hospitalisation; a sudden decline in health, cognition or mobility; or a significant change in life circumstances. By this stage, the capacity to proactively plan is reduced, choices are more limited and the likelihood of entering residential care is increased.”
So how do you empower yourself and take control? If you are older, lead the conversation with your family – consider and discuss what “ageing well” looks like for you and put together a plan of what you would like. Families – don’t be afraid to have these conversations with your parents, open the door to talk about their future. Conversation starters: the “what if” scenario – have you thought about getting your name in the system by registering for My Aged Care; how suitable is your home and what is plan B; and the empowerment approach – making sure if something happens it is your plan not the government’s. Talk about what matters most to you. Independent aged care experts can support you with navigating this journey potentially saving you time and money through avoiding costly mistakes made by trial and error.
Over 1.2 million Australians receive some help at home. It’s proven that introducing small amounts of support early – such as cleaning or meals – actually enables you to remain living independently at home for much longer. While the pressure is on the federal government to increase funding, the reality for those living by themselves is 24/7 home care is rarely sustainable long term, without significant private resources and that is when residential aged care is considered.
Some people carry haunting memories of the clinical “nursing homes” of decades past — the smell, dark rooms and a sense of despair. Residential Aged Care homes in 2026 are different, typically communities where residents forge new friendships, enjoy shared mealtimes and engage in meaningful activities. For those who were socially isolated at home, this can prove to be a positive transition.
Home is where the heart is, and we all want to stay there as we age. But the secret to staying in control of your final chapters is simple: plan while you are well, so you aren’t forced to make difficult decisions when you are not – or others may make these for you.
This article by Julia McCarthy appeared in the February 2026 edition of Village Voice.