Aged care advocates fear an incoming sector shake-up means new fees for at-home assistance could force older Australians to cut out important services.

From November 1, Aussies accessing Support at Home will pay nothing for clinical care including nursing, physiotherapy, occupational therapy, continence support and nutrition.

But non-clinical care and support, such as cleaning, shopping and showering, will incur new fees based on the participant's income.

People already on a Home Care Package will be exempt from the new rates and will continue paying the same flat fee.

Dealing with ongoing challenges following a car accident, Liz Barton, 76 recently became in need of help around the home after husband Eric suffered a stroke.

"You think that ageing will be a slow process but

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