Residential Aged Care

Understanding Residential Aged Care Fees and Charges

  • Understanding RAC fees and charges

    Understanding RAC fees and charges

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Residential Aged Care fees vary depending on an individual’s assets and income. RSL Care SA offers a number of accommodation options across all facilities, from platinum single rooms with private ensuits to share rooms with an ensuite. Accommodation fees vary depending on the accommodation type.

To ensure prospective residents with low assets and income are not disadvantaged from being offered permanent placement, accredited aged care facilities must reserve a percentage of their beds for ‘low means’ residents.

Asset and Income Assessment and Thresholds

Residents who are eligible to receive subsidised aged care fees are required to submit an Asset and Income Assessment to the Department of Human Services (Centrelink). Please see below for current asset and income threshold levels and the applicable fees:

ASSET & INCOME FREE THRESHOLD – Low Means Resident

Assets between $0.00 and $48,500, and Income below $26,764.40

  • Basic Daily Care Fee only
FIRST ASSET & INCOME THRESHOLD – Low Means Resident

Assets between $48,500 and $165,271.20, and income below $51,667.20

  • Basic Daily Care Fee
  • Accommodation Contribution
ABOVE FIRST ASSET & INCOME THRESHOLD – Financial Resident

Assets above $165,271.20 and income above $51,667.20

  • Basic Daily Care Fee
  • Accommodation Payment
  • Means Tested Care Fee

Figures shown reflect the Department of Health ‘Schedule of Fees and Charges for Residential and Home Care’ from 1 July 2018.

Fees and charges explained

BASIC DAILY CARE FEE

The Basic Daily Care Fee (BDCF) is paid by everyone. It is set by the Commonwealth Government and is approximately 85% of the single Aged Pension. The BDCF covers all living expenses and contributes to the costs of other services such as meals, personal care, recreation activities, laundry, cleaning and nursing care

Current daily rate $50.16

MEANS TESTED CARE FEE

The Means Tested Care Fee (MTCF) is paid by residents who exceed the government’s first assets and income threshold. As the BDCF does not cover 100% of the costs incurred by an aged care facility in providing its services, residents who are deemed to have the financial means are required to contribute more towards the cost of their own care. The MTCF varies depending on the asset and income level of the resident.

Current maximum daily rate $216.59                  Annual Cap $26,964.71                    Lifetime Cap $64,715.36

ACCOMMODATION CONTRIBUTION

The Accommodation Contribution is paid by Low Means residents only. It is reviewed quarterly and is subject to change; however a resident will not be required to pay more than what is advised from their asset and income testing. The facility has restrictions on how much it may charge based on its Low Means resident ratio and whether or not the facility is newly refurbished. The Accommodation Contribution may be paid as a lump sun equivalent, known as a Refundable Accommodation Contribution, which is 100% refundable.

Current maximum daily rate $56.14

ACCOMMODATION PAYMENT

The Accommodation Payment is paid by financial residents only. The price is set by the facility in accordance with government provisions and is nonnegotiable. RSL Care SA offers a range of accommodation prices:

War Veterans’ Home                                                                                 RSL Villas

$225,000 – Double shared with ensuite                                            $350,000 – Premium private single with ensuite

$275,000 – Standard private single with ensuite

$450,000 – Premium private single with ensuite

$550,000 – Platinum private single with Ensuite

There are three accommodation payment options to consider:

1. Refundable Accommodation Deposit (RAD)

The RAD option means paying the accommodation payment to the facility as a lump sum. RAD payments are 100% refundable and government guaranteed. RAD payments are invested securely by RSL Care SA and the interest received is used to cover accommodation costs.

2. Daily Accommodation Payment (DAP)

A DAP is when the accommodation payment is paid on a periodic basis (monthly). It is calculated as a daily payment by applying the government’s maximum permissible interest rate (MPIR) to the Accommodation Payment.

Current MPIR = 5.96%

3. Combination of both RAD and DAP

It is possible to combine the RAD and DAP payment options. The DAP will be calculated on the unpaid portion of the RAD. It is also possible for the DAP to be withdrawn from the RAD payment.

What Is Right For Me?

Moving into residential aged care is an important life decision and each person is coming from their own unique circumstances. For this reason, RSL Care SA is unable to give financial advice or provide specific guidance as to which option may be right for you.  We strongly encourage you to seek independent financial advice to ensure you choose the right option for your circumstances.

Please contact our Admissions Team on 8379 2600 for more information, or to book a private tour of our aged care facilities.
To place your name on our residential aged care waiting list, please complete our Application Form

Serving those who served

  • Defence Ensign

    Defence Ensign

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RSL Care SA is privileged to share the extraordinary military experiences, stories and recollections of some of our veteran residents.

It is always a privilege to have ex-service men and women access temporary or permanent accommodation through RSL Care SA. Our Andrew Russell Veteran Living (ARVL) program offers emergency and affordable housing accommodation options to contemporary veterans, while our Retirement Living and Residential Aged Care facilities offer accommodation to the elderly.

We are in a unique position to hear so many different stories about our residents military experiences. We think it’s important to share these stories with others as a reminder to be thankful for the freedom we experience today because of the ongoing service of others. We will be adding to this post regularly and hope you enjoy learning about our veterans as much as we do!

Flying Officer, Alex McKinnon

Alex enlisted with the Royal Australian Air Force (RAAF) in September 1941 at the age of 18. His initial training was at Fort Breckan Victor Harbor in the same intake as Keith Miller the famous Australian cricketer. Further training took place on Prince Edward Island Canada before being shipped to Brighton in the UK. After a short time in the UK, Alex was shipped to the Middle East where he was assigned as a Navigator to RAAF 459 Squadron. This squadron was located at an airbase called El Berka just out of Benghazi in Libya. Alex (Navigator) and three other crew members (Pilot, Wireless Operator and Gunner) flew Baltimore Bomber aircraft over the Mediterranean and Aegean Seas bombing German shipping and supplies as well as missions to Rhodes and Crete. In total Alex flew 28 sorties with 176.5 hours of flying.

Alex returned to Australia at the completion of the War as a Flying Officer, achieving the following Honours and Awards: 1939-45 Star, Italy Star, Defence Medal, War Medal 1939-45, Australian Service Medal 1939-45, Returned from Active Service Badge.

 

Squadron Leader, Murray ‘Lyne’ Skinner

Lyne enlisted in the Royal Australian Air Force (RAAF) on the 5th of December 1940 at the young age of 19, accompanied by his older brother John. After some initial training in Pearce and Cunderdin in Western Australia, Lyne was singled out as a pilot and sent to Sommertown on Prince Edward Island in Canada for the next stage of training, which would ensure he was at the standard level required for the Operational Training Unit in England. Lyne finished his training in the United Kingdom in Wiltshire, Chivenor and Devon.

Lyne’s first operation, as leading Aircraftman, was on the 14th of May 1942.  While it was quite an uneventful mission (unexpectedly cut short), it did not foretell the many hours of flying and ‘heart stopping’ moments that were to come. Lyne had several postings across the United Kingdom, the Western Desert in Egypt, Malta and Italy.  His missions included submarine operations, enemy patrols, dinghy searches, reconnaissance, navigation and even a mine laying operation! While Lyne flew many aircraft’s during his time in the RAAF, his favourite by far was the Spitfire.

Lyne’s last posting was with RAF 683 Squadron based at Stan Severa, Italy. In 1945 he was discharged as Squadron Leader, having achieved a whopping 1,114 hours (and 35 minutes) of flying.

Sadly, Lyne’s brother John was killed in a Blenheim crash in Kenya in 1941, never to return home.

Read the full account of Lyne’s service history on the Flight Publishing website at the following link (pages 28 to 39) http://www.raafa.org.au/sites/default/files/Wings%20Winter18-V2.pdf

 

Flying Officer, Colin Watt OAM, DFM

Colin Watt OAM DFM flew Lancaster aircraft with Bomber Command in WWII. Colin completed 25 missions totaling over 170 flight hours and was awarded the Distinguished Flying Medal for his extraordinary service in exceptionally trying circumstances. Only three of the 14 pilots Colin trained with survived the war. The below photo was taken on the 29th of September 1942, with Colin flying the lead aircraft! Sadly, the two planes accompanying him were shot down shortly after this photo was captured.

 

Colonel Donald Beard AM, RFD, ED (Ret’d)

After completing his medical degree Donald Beard volunteered as a Medical Officer in the Army in 1949 serving in Japan and treating evacuated soldiers from Korea with the British Commonwealth Occupation Force. Donald Beard was due to return to Australia on the 27th June 1950, but 4 days before his departure he was recall to his base unit where he reluctantly volunteered to serve in Korea. He served as Regimental Medical Officer during the famous 3rd Battalion (Old Faithful) in the Battle of Kapyong. The Battle of Kapyong involved a 15,000-strong Chinese division attacking the Australian, British and Canadian Battalions and the New Zealand 16th Field Regiment in two days and nights of fierce fighting near Seoul. Donald returned to Australia in December of 1951.

Donald was chosen as a member of the Australian contingent to attend and march in the coronation service of the Queen Elizabeth II in London on 2 June 1953. Part of a world goodwill tour lasting 5 months. In 1968, Donald again found himself serving in a war zone at Vung Tau Base, Vietnam. Donald had a long and distinguished career as a Doctor which included being the medical officer for the South Australian Cricket Association (SACA). Donald’s extraordinary life has been documented by Ashley Mallett in the Wakefield Press book called ‘The Diggers’ Doctor, the Fortunate Life of Col. Donald Beard AM, RFD, ED (Ret’d)’. Donald very kindly signed 2 copies of his book while he was with us for 5 weeks of respite in August 2017. We look forward to having him back later this year!

 

 

Applying for an ACAT Assessment

  • How to apply for an ACAT assessment

    How to apply for an ACAT assessment

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Accessing Residential Aged Care

RSL Care SA has two government funded residential aged care (nursing home) facilities; the War Veterans Home in Myrtle Bank, and RSL Villas in Angle Park. To access government funded services, such as respite and permanent care, you must first be approved for aged care by the Australian Government’s Aged Care Assessment Team (ACAT).

ACAT assessors are qualified professionals such as nurses and social workers. An ACAT can provide approvals for residential respite care, permanent residential care, and home care services. Depending on the types of services that are needed, ACAT will either conduct an interview over the phone, or will arrange a time to meet with the client in their own home.

Register for an ACAT assessment

ACAT’s are managed through the Australian government’s My Aged Care. There are three ways to register for an ACAT Assessment:

  • Phone – Please call My Aged Care on 1800 200 422 and speak with a representative
  • Online – Please visit the following link to make a referral online https://www.myagedcare.gov.au/referral
  • GP – your GP or health care professional can provide a referral for an ACAT

ACAT assessments are FREE and a My Aged Care Client Record will be created. The initial referral can be made by anyone, however the person who the assessment is for will need to give their consent if a representative is required throughout the entire assessment process.

If you would like help in making a referral, please call RSL Care SA on 8379 2600 and a member of our admissions team will be happy to submit an online referral on your behalf. Your assessment results will not be provided to an organisation without your approval.

Many people have ACAT assessments done for peace of mind should there be a sudden change in their health or care needs. If you decide to apply for an ACAT assessment, there is no requirement to use the services that you have been approved for.

The ACAT Assessment process

  • Make a referral (online or over the phone)
  • ACAT will call the nominated contact person and arrange a time to conduct a short phone interview to assess the clients eligibility to access aged care services
  • During the initial phone interview ACAT will ask for details of the clients medicare card number and GP. The client will need to be available at the phone interview to give consent for a representative to speak on their behalf
  • At the conclusion of the phone interview ACAT will arrange a time for a formal assessment to take place in the clients own home
  • At the home interview ACAT will ask lots of questions about the clients health, care needs and other concerns. Learn more about what happens during an ACAT assessment here
  • Assessment results are usually processed within a few days (this can be done more quickly if the matter is urgent) and a letter will be sent to the client with information on the services they now have access to

The Aged Care Assessment Team can arrange for an urgent assessment for those who need it. Otherwise the entire assessment process usually takes about two-three weeks.

What’s Next?

To be offered a respite or permanent bed at an Aged Care Facility, or to be placed on a waiting list, the facility will usually ask to see a copy of the ACAT assessment. This is also known as a ‘My Support Plan’.  At the back of the My Support Plan are referral codes that relate to each of the services a person has been approved for. Aged Care facilities can look up the My Support Plan online using these codes.

If you have had your ACAT assessment and would like to be placed on RSL Care SA’s residential aged care waiting list, please complete our application form here.

Our Admissions team are always happy to answer any queries you may have regarding ACAT assessments or care options, so please feel free to call (08) 8379 2600 during office hours – Monday to Friday 9am – 5pm.

RSL Care SA Life Membership awarded to Dennis Chamberlain

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    Dennis_Chamberlain

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RSL Care SA Life Membership awarded

RSL Care SA Life Membership awarded to Dennis Chamberlain for his outstanding contribution and dedication to our organisation. Dennis served on the Board of RSL Care SA from 2013 to 2016, as a director with  specialist aged care knowledge.

In addition to Dennis’ time on the RSL Care SA board, his life membership also recognises his time as CEO of James Brown Memorial Trust, an organisation that delivers aged services through residential aged care and retirement living. During Dennis’ time as CEO, James Brown Memorial Trust managed the day to day operations of the RSL Villas aged care facility and was instrumental in the successful merger of the RSL Villas operations and assets to RSL Care SA.

Dennis has also served as a Board member of not for profit Aged and Community Services Australia (ACSA) for a number of years and held the position of State Chairman.

RSL Care SA is an extremely well governed and trusted not for profit which is due to the expertise, tireless dedication and numerous years of experience that our volunteer board members bring to the organisation. We extend our thanks to Dennis, and to all our past and present Board members for their dedication and commitment to RSL Care SA.

Get Involved with RSL Care SA

Please see below for information on how you can be involved in the wonderful work RSL Care SA does.

Volunteering with RSL Care SA

Volunteers are highly valued and welcomed at RSL Care SA. To enquire about volunteering, please contact us here or phone 08 8379 2600.

Read about one of our volunteers who was recently honoured with an Aged and Community Services Australia (ACSA) Excellence Award here.

Donate Online to RSL Care SA

All donations to RSL Care SA over $2 are tax deductible and gratefully received. Donations help us to continue providing care and assistance to many senior Australians as well as contemporary veterans. Please click here to donate now.

Low Means Residents Welcome at RSL Care SA

  • The War Veterans Home Single Room

    The War Veterans Home Single Room

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Did you know that RSL Care SA reserves 40% of permanent residential aged care accommodation for residents with low means?

Residential Aged Care fees vary depending on an individual’s assets and income. To ensure prospective residents with low assets and income are not disadvantaged from being offered permanent placement, accredited aged care facilities must reserve a percentage of their beds for ‘low means’ residents. At RSL Care SA we aim to keep our low means resident ratio at 40%, giving special preference to veterans and their families.

There are two different asset levels a resident can fall under to qualify as low means:

Asset Free Threshold

Currently set at $47,500, residents with assets under this threshold will be required to pay a;

  • Basic Daily Care Fee

First Asset Threshold

Currently set at $162,815.20, residents with assets under this threshold will be required to pay;

  • Basic Daily Care Fee
  • Accommodation Contribution

The Basic Daily Care Fee

This fee is set by the Commonwealth Government and is approximately 85% of the single Aged Pension. The Basic Daily Care Fee covers all living expenses and contributes to the costs of other services such as meals, personal care, recreation activities, laundry, cleaning and nursing care.

Accommodation Contribution

This fee varies depending on the resident’s asset level. It is reviewed quarterly and is subject to change. At both the War Veterans Home and RSL Villas, as at 20 September 2017, the maximum a resident can be asked to pay for an Accommodation Contribution is $36.13 per day.

All rooms at RSL Care SA facilities are single rooms with private ensuite. Please contact our Admissions Coordinator for more information, or to book a private tour.
To place your name on our residential aged care waiting list, please complete our Application Form

Click on the links below for more information on;

Residential Aged Care

War Veterans Home

RSL Villas

Figures shown reflect the Department of Health ‘Schedule of Fees and Charges for Residential and Home Care‘ from 20 September 2017

2017 Better Practice Award Presentation

  • 2017 Better Practice Commendation Award presentation

    2017 Better Practice Commendation Award presentation

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2017 Better Practice Award

RSL Care SA receives the Australian Aged Care Quality Agency ‘Better Practice 2017 Commendation Award’

Today staff and residents were thrilled to welcome Ms Philomena Mitolo, Assistant Director SA/NT of the Australian Aged Care Quality Agency (AACQA), to present RSL Care SA with the ‘2017 Better Practice Award’ trophy and certificate for the ‘Social Connectedness for Mental Wellbeing’ program. Every year there are 37 Better Practice Awards presented nationally and RSL Care SA is proud to be one of only five awarded in South Australia.

Social Connectedness for Mental Wellbeing

Our ‘Social Connectedness for Mental Wellbeing’ program was developed in response to an increasing number of post-World War Two veterans entering aged care that have experienced, and continue to experience, complex mental health diagnosis and/or substance abuse issues along with secondary co-morbidities associated with their service. The significant age difference between existing residents from the silent generation and the incoming baby boomers (currently aged 67-74) results in difficulty assimilating when seeking social support. Lifestyle activities are traditionally tailored toward the silent generation resulting in the incoming baby boomers feeling “left out” of activities relevant to them. This emerging need has been particularly highlighted from within our organisation, due to the prevalence of complex mental health conditions within this cohort.

Mental Health Services

Working closely with mental health services within SA Health, the opportunity to develop a community based day program to support existing residents, residents from other facilities, and potential residents, with their mental health became apparent. At the time of inception, there were limited community engagement options available where residents could increase and strengthen their social support networks in an environment that valued their individual and collective experiences. In response to this identified need, our organisation set about developing a proactive approach in supporting this emerging cohort of veterans with their mental health, through a purposeful social engagement program that sought to reap benefits from the existing sense of identity and belonging that these residents feel towards their service.

The social program is open to residents of our organisation, including veterans living in other aged care facilities, as well as members of the general community who require mental health or social inclusion support. The community mental health support may be accessed through either in-patient or out-patient services within sectors of SA Health’s mental health services. Particularly for outpatients who require admission to residential care in the near future. The social program occurs weekly and includes visiting guests, usually over a lunch that enables the gathering to remain relaxed and open. Over the course of the week there are many informal gatherings and activities that have now arisen as a result of this program. Participants are supported to develop social connectedness with their peers and are encouraged to continue the development of these relationships outside of the social group formalised gatherings. Residents are developing relationships within the program, and are now more engaged and willing to participate in choices that will enhance their mental wellbeing. We provide access to healthy choices, as well as providing positive support for other co-morbidities they have.

We are immensely proud of the positive impact this program has had on the lives of our residents.

Contact Us by filling out the form on the right to find out more about our programs and facilities.

Also, Follow these links to learn more about:

From Retirement Village to Residential Aged Care

  • Trevor and Margaret 2017

    Trevor and Margaret 2017

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Retirement Village to Residential Aged Care made easy with RSL Care SA

A testimony from residents Trevor & Margaret

We recently sat down with residents Trevor and Margaret and asked them to share their experience of transitioning from Sturt Retirement Village to Residential Aged Care within RSL Care SA.

Trevor and Margaret’s journey with RSL Care SA began in 2015 when they moved into Sturt Retirement Village. For almost a year they lived independently among the other residents in the village, only receiving assistance with maintenance and gardening. With increasing health concerns, they decided to take their future into their own hands and enquire about Residential Aged Care.

“My wife Margaret has a memory problem and I have been her primary carer for many years. We are both in our mid 80s, but we were managing okay in an independent living unit until I had a fall that required a short period in hospital”.

Fortunately Trevor had already placed his and Margaret’s name on the waiting list for a couple’s room at The War Veterans Home in Myrtle Bank. Already being valued residents of RSL Care SA’s Retirement Village, they were given priority placement into the aged care facility.

“The move to Residential Aged Care at Myrtle Bank over a year ago has proved to be one of the wisest decisions we have taken in our advanced years. The transition from independent living has been seamless and I now recognise that I was only marginally managing to cope prior to the move”.

Although Trevor and Margaret have moved into a higher level of care, RSL Care SA allows them to keep their independence and live with the same freedom they experienced in the Retirement Village; 

“The staff at the WVH have been quite exceptional in catering for our needs, we are able to walk freely for several kilometres a day in the parks nearby, we are able to arrange short vacations whenever we wish, and best of all, we both know that as our health further deteriorates we will receive the care that we will need. For the first time in years we can relax!”

Trevor and Margaret can now focus on enjoying each others company while the friendly staff at RSL Care SA handle the rest!

For more information on Residential Aged Care or Retirement Living, please click the link below.

Residential Aged Care

Retirement Living

Residents Beth and Peter

  • Residents Beth and Peter

    Residents Beth and Peter

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Myrtle Bank Retirement Living

Residents Beth and Peter

I recently had the pleasure of sitting down with Beth and Peter. They purchased a villa with RSL Care SA to enjoy the convenience of a maintenance free lifestyle. They moved to the Myrtle Bank Retirement Village from Felixstow to be closer to their children and grandchildren.

It wasn’t a quick process. Peter was always open to the idea of a retirement village, but Beth had spent most of her career in the retirement industry and wasn’t as sold on the idea.

Beth and Peter had to ask the question, “what do we do now?” They found themselves with time, a large 5 bedroom family home, and the inconvenience of being North Adelaide while their family was in the Inner South Eastern suburbs.  It’s a common scenario, but sometimes people are less inclined to make the move and transition to a Retirement Village.

As you watch the video, Beth and Peter encourage others in similar scenarios to make the move when you can. Don’t make the move when you have to. Circumstances that force a move from the family home take their toll on families and finances adding pressure that could have been avoided with planning and quicker action.

Beth and Peter thoroughly enjoy their villa at Myrtle Bank. It has enough room for the grandchildren, street frontage and a yard for their beautiful dog. They take daily walks to the local doggy park where they have met local neighbours and made lasting friendships.

Enjoy the Uncut Interview.

Would you like to know more, simply fill out the form to your right.

You can view more information about RSL Care SA Retirement villages below.

About us

RSL Care SA believes that the ex-service community deserves the best care and affordable accommodation. RSL Care SA is an independently constituted not for profit organisation with links to the Returned & Services League of Australia (SA Branch).

Our mission is to support veterans and their dependents, although the ex-service community are our primary client group it is not exclusively so. The facilities and services are also available to the broader community.

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