Understanding the NDIS
The NDIS, explained simply.
The National Disability Insurance Scheme can feel overwhelming at first. We've put together this plain-language guide to help you understand how it works and how to get started.
What is the NDIS?
The National Disability Insurance Scheme (NDIS) is an Australian Government program that funds supports and services for people with permanent and significant disability. It is administered by the National Disability Insurance Agency (NDIA).
Unlike previous disability funding models, the NDIS is individualised — meaning each participant receives a plan tailored to their specific goals, needs, and circumstances. Funding is not means-tested; it is based on what is 'reasonable and necessary' to support you.
The NDIS currently supports over 600,000 Australians, and is available in every state and territory.
Who is eligible?
To access the NDIS, you generally need to meet all of the following criteria:
- Be under 65 years of age when you first apply
- Be an Australian citizen, permanent resident, or hold a Protected Special Category Visa
- Have a permanent disability that significantly affects your ability to take part in everyday activities
- Require support now to reduce your future support needs (early intervention)
Not sure if you're eligible? Contact us and we can help you work through the access requirements.
How does the NDIS work?
- 1
Apply for access
Submit an Access Request Form to the NDIA, along with supporting evidence from your treating health professionals confirming your disability.
- 2
Planning meeting
Once approved, you'll have a planning meeting with an NDIA planner or Local Area Coordinator (LAC) to discuss your goals and what supports you need.
- 3
Receive your plan
Your NDIS plan is created, outlining your funding across support categories such as Daily Activities, Social Participation, and Capacity Building.
- 4
Choose your providers
You choose which NDIS providers will deliver your supports. You are in control — you can change providers at any time.
- 5
Plan review
Your plan is reviewed regularly (usually annually) to make sure it continues to meet your needs and goals.
Understanding your funding
NDIS funding is divided into three support budget categories:
Core supports
Funding for everyday activities — personal care, community access, consumables, and assistance with social and community participation.
Capacity building supports
Funding to help you build skills and independence — including support coordination, improved living arrangements, and employment support.
Capital supports
Funding for higher-cost items such as assistive technology, home modifications, and specialist disability accommodation.
Frequently asked questions
Have more questions?
Our team is here to help you navigate the NDIS with confidence. Reach out for a friendly, no-obligation conversation.