Understanding NDIS Funding: A Complete Guide for Participants in 2025–26

The National Disability Insurance Scheme (NDIS) is one of Australia's most significant social reforms, providing funding to people with permanent and significant disabilities. Understanding how your funding works is the first step to getting the most out of your plan.

What Is an NDIS Plan?

An NDIS plan is a personalised document that outlines your goals and the funding provided to help you achieve them. Your plan is developed in partnership with the NDIS and is tailored to your individual circumstances, disability, and aspirations.

The Three Budget Categories

• Core Supports: Fund everyday activities, consumables, and transport assistance.
• Capacity Building: Help you build independence and skills over time.
• Capital Supports: Fund assistive technology and home or vehicle modifications.

Managing Your Plan

You have three choices for how your plan funding is managed: NDIA managed (where the NDIS pays registered providers directly), plan managed (a plan manager pays providers on your behalf), or self-managed (you pay providers and claim reimbursements yourself).

Tip: Self-managing your plan gives you the most flexibility in choosing providers, including unregistered ones like workers found through CareMarket Australia.

What the 2025–26 Price Guide Changes Mean

The NDIS Price Guide is updated annually and sets maximum prices that registered providers can charge. For 2025–26, key changes include updated hourly rates for support workers, revised travel provisions, and new categories for specialised support. Always check the latest price guide at the NDIS website before agreeing to pricing with your provider.

Tips to Maximise Your Plan

• Review your goals regularly and document evidence of progress.
• Use your Local Area Coordinator (LAC) for guidance.
• Request a plan review if your circumstances change significantly.
• Consider using a digital platform like CareMarket Australia to quickly fill shift gaps.
• Track your spending to avoid budget blow-outs.

If you're unsure about any aspect of your NDIS plan, reach out to your Support Coordinator or LAC. The NDIS also has a dedicated helpline available Monday to Friday.