From 1 November, Australia's aged care system is set to undergo one of its biggest shake-ups in decades. The changes, introduced under the Aged Care Act 2024 , aim to improve transparency, sustainability and quality of care.

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Benjamin Lembo. Picture supplied.

But for families with loved ones entering residential aged care, they also bring new financial decisions - and new costs.

A shift toward 'user pays'

As more Australians need aged care, the government is changing how it's funded. Instead of increasing subsidies, we're seeing a shift towards a "user pays" model - meaning those

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