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If you have ever wondered what your NDIS funding can actually be used for, you are not alone. It is one of the most common questions participants ask, and the most important to get right. Your NDIS funding exists to support your independence, your goals, and your participation in everyday life. It can be used for supports that are related to your disability, meet the reasonable and necessary rules, and fall within the categories in your plan. This guide explains what NDIS funding can be used for, what each support budget covers, and how to check whether a specific support is included in your plan. What Can NDIS Funding Be Used for Across the Support Budgets Every NDIS plan has four support budgets: Core Supports Capacity Building Supports Capital Supports Recurring Supports. Not every participant has funding in all four budgets. Your plan only includes the budgets and support categories that match your needs. Most participants have Core Supports, Capacity Building Supports, and Capital Supports. Some participants also have Recurring Supports, which usually covers transport paid to you on a regular basis. There are two words you will see throughout this guide. Here is what each one means. Flexible funding. You can choose how to spend it. You can also move it between support categories inside the same budget. Stated funding. You use it for the exact purpose stated in your plan. It stays in that support category. What can Core Supports funding be used for? Core Supports is usually the largest budget in your plan. It is also the most flexible. It pays for supports that help you with everyday life and with taking part in your community. These are the main Core Supports categories. Assistance with Daily Life This pays for help with personal tasks during day-to-day life so you can live as independently as possible. It may include personal care, help at home, and support with everyday routines. Assistance with Social, Economic and Community Participation This pays for supports to take part in community, social, recreational, or work-related activities. Consumables This pays for everyday items you need because of your disability. The NDIS gives two examples: continence products and low-cost assistive technology. Transport In the Core Supports budget, transport means transport provided by a provider. For example, a provider drives you to an activity or to another support. Everyday transport works differently. If you have funding for taxis or public transport, this is usually paid from the Transport category in your Recurring Supports budget. What can Capacity Building Supports funding be used for? Capacity Building Supports help you build or keep your skills and independence over time. This funding is stated, which means you use it for the purpose written in your plan. It stays in that support category. Your Capacity Building budget can have up to nine categories. These are the ones most often included in plans. Support Coordination. Support Coordination helps you understand your plan, connect with providers, and use your funded supports. Some participants have Specialist Support Coordination instead. This is for participants with more complex support needs. Improved Daily Living. This is one of the most used Capacity Building categories. It pays for therapy and skills-based supports that build your independence. It can include: occupational therapy speech pathology physiotherapy psychology and counselling, where it relates to your disability behaviour support skills training to help you manage daily tasks on your own Improved Health and Wellbeing. This category pays for supports that improve your physical and mental wellbeing, where the need for that support relates to your disability. It can include: exercise physiology dietetics, where it relates to your disability personal training, where the trainer holds the qualifications the NDIA requires This category works alongside the healthcare system rather than replacing it. Services covered by Medicare are funded through Medicare. This category pays for health supports that connect to your disability and are not covered by Medicare. Gym memberships are not treated as an everyday cost, so they are not funded. If you are on a PACE plan, this category may appear as Health and Wellbeing. It is the same category. Improved Learning. This pays for support to move from school into further education or adult life. It is most often included in plans for younger participants. Improved Life Choices. This category pays for plan management. When you choose a plan manager like First2Care, the cost is paid from your Improved Life Choices budget. It is not taken from your Core Supports or from your other Capacity Building funding. Plan management is funded separately by the NDIA under Improved Life Choices in the Capacity Building budget. It does not come out of the funding for your other supports and costs you nothing out of pocket. This is why plan management does not cost you anything. Refer to: Is NDIS Plan Management Really Free? Improved Relationships. This pays for behaviour support and social skills support. These supports help you build positive relationships and manage situations you find difficult because of your disability. Improved Living Arrangements. This pays for support to find and keep suitable housing. It also covers help when you move to a new home. Finding and Keeping a Job. This pays for employment supports. For example, help to look for a job, supported employment, and building skills for the workplace. What can Capital Supports funding be used for? Capital Supports pays for higher cost items. These are usually one-off purchases, or equipment you will use for a long time. This is the least flexible budget. The funding is tied to specific approved items. You cannot move it to another support category. Assistive Technology Assistive technology means equipment, devices and tools that help you do everyday things more independently. What you need to provide depends on how much the item costs. Low-cost, under $1,500 per item. This is usually paid from your Core Consumables budget. You do not need a quote, written evidence, or approval before you buy it. Mid-cost, between $1,500 and $15,000 per item. You need written evidence from your allied health practitioner or another assistive technology advisor. It does not have to be a formal assessment, but it does need to be in writing. The evidence should explain the type of assistive technology you need, why it is the best value for your support needs, how it will help you work towards your goals, and an estimate of the cost. High-cost, over $15,000 per item. You need an assessment report from a qualified assistive technology assessor, and a quote that includes delivery, installation and any training costs. You usually need one quote, and occasionally a second to confirm value for money. If you need to try an item before you know it suits you, the NDIA can include funding in your capital budget for the trial. Home Modifications If your home is not safe or accessible for you, Capital Supports can pay for changes to your home. For example: ramps and accessible pathways bathroom and wet area changes grab rails and safety supports wider doorways for wheelchair access other changes recommended by an occupational therapist Home modifications usually need an assessment from an occupational therapist, and quotes from qualified builders, before they are approved. Specialist Disability Accommodation Specialist Disability Accommodation, also called SDA, is housing designed for participants with very high support needs. SDA funding is included in a small number of plans. What NDIS funding cannot be used for? Your NDIS funding is for supports connected to your disability. The following sit outside that. Everyday living costs that are not related to your disability. Rent, food, bills, and general household costs are not covered. If a cost is one that a person without disability would also have, it is usually not funded. The exception is when your disability creates an extra cost on top of the usual cost. Supports that another service already provides. The NDIS works alongside other government services. Hospital care, appointments covered by Medicare, and mainstream school education are funded through other government programs. Anything not related to your disability. Your NDIS funding is for supports you need because of your disability. Items or services priced above the NDIS price limit. The NDIS Pricing Schedule sets maximum prices for most supports. Services priced above those limits usually not funded. Anything illegal or unsafe. Any support that involves illegal activity, or that creates an unreasonable safety risk, cannot be funded. Income replacement. NDIS funding cannot be used to replace income or wages. If an item you need is not on the NDIS supports list, it may still be possible to have it funded as a replacement support. You need to apply to the NDIA and be approved before using your funding this way. Your plan manager can explain the steps. What are the reasonable and necessary rules? Every support in your NDIS plan meets the reasonable and necessary rules. This is not an exam and it is not something you have to pass. It is set of rules the NDIA uses to decide what NDIS funding can be used for in your plan. A funded support needs to: relate to your disability help you work towards your goals help you work, study, and take part in social activities be value for money, meaning the cost is reasonable for the benefit you receive be likely to be effective and beneficial for you take into account support from family, carers, and other government services be an NDIS support, or an approved replacement support These rules are applied when your plan is made. The supports already in your plan have met them. If you want to add a new support, or use your funding in a new way, your plan manager can help you understand whether it is likely to meet these rules. They can also explain the steps to request a change to your plan. How do you know if a support is covered by your plan? The safest way to check is to ask your plan manager before you book a service or buy something. As your plan manager, First2Care can tell you: whether the support fits one of your funded support categories whether the price sits within the NDIS Pricing Schedule whether you need a service agreement in place before an invoice can be paid This step matters. If you start with a provider and the support turns out not to be covered, you may have to pay for it yourself. Checking first avoids that. Your plan manager is there to help you use your funding with confidence, not only to process invoices after the money has been spent. Frequently Asked Questions About NDIS Funding Can I spend my NDIS funding on anything I want? Your funding is for supports that relate to your disability, fit the support categories in your plan, and meet the reasonable and necessary rules. Your plan manager can explain what is covered and what is not. Can I move funding between NDIS support categories? If your Core Supports funding is flexible, you can usually move it between Core Supports categories. Capacity Building and Capital funding is stated, so it stays in the category it was funded for. Your plan manager can explain how this works in your plan. What happens if I spend funding on something that is not covered? If a purchase or service turns out not to be covered by your plan, the NDIA may not pay for it. In some cases you may need to repay the amount. This is why it helps to check with your plan manager first. Can my plan manager help me understand what is in my plan? Yes. At First2Care, helping participants understand their plan is part of our service. It is not an extra. If you are not sure what your funding covers, call us and we will go through it with you step by step. Does plan management funding come out of my other supports? No. Plan management is funded separately by the NDIA under Improved Life Choices in the Capacity Building budget. Choosing a plan manager like First2Care does not reduce the funding available for your other supports. What if I need a support that is not in my plan? You can ask the NDIA for a plan reassessment or a plan variation. A variation changes part of your current plan. A reassessment is a smaller change to the plan you already have. Your Local Area Coordinator, the organisation that helps you use your plan in your area, can help you start this. Your plan manager can help you understand what evidence may support your request. Can I use NDIS funding for a support worker who is not registered with the NDIS? If you are plan managed, you can use both registered and unregistered providers for most supports. This gives you more choice than agency management. Your plan manager can help you set up a service agreement with an unregistered provider, and process their invoices correctly. Know your funding and use it with confidence. Your NDIS plan is there to support your independence and your goals. Understanding what your funding covers makes a real difference. So does having a plan manager who helps you use it. At First2Care, we take time to help every participant understand their plan. We check budgets through the Plan Magic portal, and we answer questions whenever they come up. Whether you are new to the NDIS, or you have had a plan for years, we are here to help. Join First2Care today → Contact us with any questions → Or call us on 1300 322 273.

Your providers send invoices after they deliver your supports. Your plan manager checks each invoice, submits an eligible claim and pays the provider after the NDIS releases the funds. Most invoices move through this process without you needing to do anything. If a payment takes longer, there may be a simple reason that needs to be checked. Knowing what can affect an invoice can help you ask the right questions without taking responsibility for resolving the issue yourself. How provider payments work For plan managed funding, the usual process is: Your provider sends an invoice to your plan manager. Your plan manager checks that the invoice matches your plan, available funding and NDIS claiming requirements. Your plan manager submits an eligible claim to the NDIA. After the NDIA pays the claim, your plan manager pays your provider. The NDIS says plan managers should pay providers or reimburse participants in a timely manner, and that this should be within 2 business days of receiving payment from the NDIA. Read the NDIS guidance for plan managers. What can affect an invoice timeframe An invoice may take longer when: Information is missing or needs correcting, such as the service date, support item or provider details. The invoice does not match your plan, available funding or the support delivered. You ask for the invoice to be checked before it is paid. The NDIA selects the claim for additional review. An older claim needs extra evidence or information. Your plan manager should explain what is happening clearly and contact the provider of information needs to be corrected. Your private budget information should not be shared with a provider unless you have agreed to it. Older claims may take longer From 16 July 2026, the NDIA began extra checks on claims submitted 6 months or more after a support was delivered. These checks apply to claims from self-managed participants, plan managers and providers. An older claim may be held for up to 28 days while the NDIA completes its checks. The NDIA will contact the person making the claim if more information is needed. Read the NDIS update on older claims. This is separate from the new 90-day claiming timeframe. Prompt invoicing remains useful because it gives everyone a clearer and more current view of your plan spending. A confirm change to claiming timeframes Under the Securing the NDIS for Future Generations Act 2026, the timeframe to claim for a support reduces from two years to 90 days. The Parliament passed the Bill on 19 August 2026, and it received Royal Assent the following day. The new claiming timeframe applies from December 2026. This changes how long your provider and plan manager have to complete the claiming process. It does not change your plan funding or the supports you can use it for. What you can do if a provider is waiting for payment You do not need to manage the payment issue on your own. You can: Ask your plan manager whether the invoice has been received, checked and submitted. Ask whether the plan manager or the NDIA needs more information. Check your latest monthly statement to understand your plan spending and remaining funding. Ask your plan manager to explain any action you need to take. You can choose a different plan manager You can choose to change your plan manager. Before ending the arrangement, check your service agreement for any notice period and tell your current plan manager that you want to change. A new service agreement can then be set up with your chosen plan manager. How First2Care can help First2Care checks each invoice against your plan-managed funding, the funding currently available and the NDIS claiming requirements that apply. If information is missing or appears incorrect, we contact the provider and explain what needs to be updated. Plan management is funded separately by the NDIA under Improved Life Choices. It does not come out of the funding for your other supports and costs you nothing out of pocket. If you have a question about an invoice, you may call us on 1300 322 273 or email support@first2care.com.au. Frequently Asked Questions About NDIS Payment Timeframes Select each question to show or hide the answer. You can read them in any order and open only the answers you need. How long should it take for my providers to be paid? A reasonable standard is 2 to 5 business days for your plan manager to process a correct invoice, plus 2 to 3 business days for the NDIA to pay the claim. Most providers are paid within about a week. If the NDIA reviews a claim before payment, it can take longer. What affects how quickly a provider is paid? Payment involves several stages: your provider sends the invoice, your plan manager checks it against your plan and available funding, the claim is submitted, and the NDIA processes it. Most of the time is usually taken up before the claim is submitted, so an invoice that needs correcting will take longer. The NDIA also reviews some claims before payment as part of its integrity checks. Why is one of my providers taking longer to be paid than the others? Providers set out their invoices differently, and some include everything needed the first time. If one provider is regularly slower that the rest, we can work with them on what to include so their invoices are ready to process. What happens with older invoices? From 16 July 2026, the NDIA applies extra checks to claims submitted 6 months or more after a support was delivered. These claims may be held for up to 28 days while checks are completed, and the NDIA will make contact if more information is needed. Is the claiming timeframe is changing? Yes. Under the Securing the NDIS for Future Generations Act 2026, the timeframe to claim reduces from two years to 90 days from the date the support was delivered. Parliament passed the Bill on 19 August 2026, and it received Royal Assent the following day. The new timeframe applies from December 2026. Can I change plan managers if payments are slow? Yes, at any time. You do not need to wait for a plan reassessment. Check your service agreement for any notice period, let your current plan manager know, and sign a new service agreement with your chosen plan manager. First2Care is a registered NDIS plan management provider (ABN: 24 601 046 155), registered with the NDIS Quality and Safeguards Commission. This article is general information only. For advice specific to your plan, please speak with your my NDIS contact, your Local Area Coordinator, or the First2Care team on 1300 322 273.

When people look into NDIS plan manager benefits, they often expect help with paperwork and provider payments. Those services matter, but plan management can also give you clearer budget information, regular funding updates and practical help to understand how your plan is being used. At First2Care, we combine invoice administration with budget visibility, clear explanations and a team that keeps shared records. Because the team can see your history, you can pick up the conversation where you left off each time you get in touch. What are the benefits of an NDIS plan manager beyond paying invoices? The NDIS says a plan manager can help you understand your plan, manage and monitor your budget, check and submit claims, pay providers, keep records, and share regular statements and funding updates. A plan manager must also make sure you are aware of and approve claims. In practice, this means you can see how your funding is being used, follow the status of invoices and claims, and ask for a plain explanation whenever you would like one. The real value is practical: having useful information ready when you want to make a decision. How First2Care help you understand your plan NDIS plans include support budgets, funding periods and rules about what can be claimed. We explain the financial administration of your plan in everyday words, while the NDIA remains responsible for decisions about your funding and what is included in your plan. Our team can explain: how your plan-managed funding is organised what your current budget information shows how an invoice or claim is being processed what information may be needed from you or a provider For a plan reassessment, we can provide spending records and explain how your funding has been used. Your my NDIS contact, Local Area Coordinator or support coordinator can help you prepare for the reassessment itself. How First2Care helps you keep track of your funding Clear budget information makes it easier to plan ahead. First2Care provides two complementary views of your plan-managed funding: Plan Magic portal. You can check the balances shown by support category, review processed invoices and view copies of paid invoices. Monthly Budget Statement. You receive a summary of how your plan-managed funding has been used and what remains. The NDIS requires plan managers to provide monthly financial statements and to keep participants informed about how their spending is tracking. Your portal gives you a current view, and the statement gives you a monthly record. If you are unsure whether a purchase can be claimed from your plan, contact us before buying it. We can explain the available budget information and relevant claiming requirements. The NDIA decides what is an NDIS support. How invoice approval works at First2Care When an invoice arrives, our team checks the information and lets you know. Under First2Care’s current process, you can reply to our accounts team within the stated review period if you would like the invoice paused or checked before it is submitted. We will hold it while we confirm the details with you. This supports your right to know about and approve claims. The NDIS states that plan managers must obtain participant authorisation when managing claims and paying providers. How First2Care works with your providers Good invoice administration helps providers understand what information is needed and where an invoice is in the process. Our team: checks invoice details against the information available to us contacts the provider when information needs to be corrected or clarified checks pricing and available plan-managed funding before submitting a claim explains the invoicing process to providers who are new to plan management A service agreement can help you and your provider record the supports, prices and other agreed terms. The NDIS explains that the service agreement with your plan manager should describe the supports, how they will be delivered, how long they will be delivered for and what they will cost. How First2Care helps when something changes Plans, providers and support arrangements can change. When that happens, we focus on the financial and administrative information within our role. For example, we can: Explain how an NDIA plan update affects the budget information available to us. Explain how invoicing can be set up for a new provider. Show how current spending compares with the remaining plan-managed funding. Provide records and statements for a plan reassessment or a change of plan manager. We work alongside your my NDIS contact, Local Area Coordinator or support coordinator. Decisions about the funding in your plan stay with the NDIA, and we focus on explaining the records, budgets and claiming process we manage. What you should expect from plan management You should expect: clear information about invoices and claims monthly financial statements and clear updates on how your spending is tracking records showing how plan-managed funding has been used a clear way to contact the team and ask a question or request help support if you decide to change plan managers If you would like anything reviewed, contact the First2Care team and ask for the current status, the information being checked and the next step. Frequently Asked Questions About NDIS Plan Manager Benefits What are the main benefits of having a plan manager? A plan manager can manage and monitor your budget, check and submit claims, pay providers, keep records, and provide regular statements and funding updates. Plan-managed participants can generally choose registered or unregistered providers, except where a support must be delivered by a registered provider. Can a plan manager help me understand my funding? Yes. A plan manager can explain the budget and spending information they manage. The NDIA decides what funding is included in your plan and what is an NDIS support. Can a plan manager help with a plan reassessment? A plan manager can provide statements and spending records and explain how your plan-managed funding has been used. Your my NDIS contact, Local Area Coordinator or support coordinator can help you prepare for the reassessment itself. Can First2Care help if I want to use a new provider? Yes. We can explain how the provider should send invoices and what information is needed for claim processing. You remain responsible for choosing and managing your providers. Does standard plan management cost me anything out of pocket? If your support budgets are plan-managed, the NDIA includes separate stated funding in your Capacity Building Supports budget to pay for a registered plan manager. This funding can only be used for plan management. Can I check my budget on my own, any time? Yes. First2Care provides Plan Magic portal access and a Monthly Budget Statement. The portal and statement show the plan-managed funding information available to First2Care. Will I always speak with the same person? Our team supports your account and works from shared records. You may not always speak with the same person, but whoever you speak with can see your plan, so you are not starting the explanation over each time. How First2Care can help The most useful NDIS plan manager benefits are practical: clear budget information, accurate records, claim approval, provider payments and straightforward explanations. These services help you understand how your plan-managed funding is being used and give you confidence to ask questions whenever you would like more detail. First2Care is an independent, registered NDIS plan management provider operating across Australia. We can explain our invoice process, budget information, communication arrangements and service agreement, so you can decide whether our approach meets your needs. Contact the team today. Join First2Care today → Contact us with any questions → Or call us on 1300 322 273. Your dedicated specialist is ready when you are. First2Care is a registered NDIS plan management provider (ABN: 24 601 046 155) registered with the NDIS Quality and Safeguards Commission. This article is for general information purposes. For advice specific to your individual plan, please speak with your NDIA planner, Local Area Coordinator, or the First2Care team directly.

The National Disability Insurance Scheme Amendment (Securing the NDIS for Future Generations) Act 2026 introduces changes to several parts of the NDIS. Parliament passed the Bill on 19 August 2026, it received Royal Assent the following day, and the first changes started on 27 August 2026. These dates are confirmed in the NDIA's implementation update. The laws change different paths of the NDIS at different times. This article explains what was originally proposed, what the Senate amendments clarified, what happens next, and what the confirmed changes may mean for you. What changes were originally proposed in the Bill? The Bill proposed changes to how people access the NDIS, how plans are created and renewed, how some funding categories may be adjusted, how providers operate, how records and claims are managed, how fraud and non-compliance are addressed, and how maximum NDIS prices may be set. The NDIA's new laws overview summarises these broad areas of change. Plan reassessments and variations Only the participant, plan nominee or child representative can request an unscheduled reassessment before the scheduled reassessment date. The request must relate to a significant and ongoing change in functional capacity and support needs, or in living, education, work or informal support arrangements. The NDIA has 90 days to decide whether to reassess a plan after receiving a request. Urgent or short-term changes can still be requested through plan variation. Record-keeping and claims The claiming timeframe reduces to 90 days from the date a support is delivered. New record-keeping periods apply: 3 years for participants, 5 years for nominees and 7 years for providers. Supports budgets and plan renewals Budgets for two support categories will be reduced over a 12-month period: Social Economic and Community Participation and Improved Daily Living Skills. The reductions apply as plans are created or reassessed from 1 October 2026 or renewed from 1 February 2027. The effect will be different for every participant, because each plan is based on individual goals, circumstances and support needs. Some supports in these categories are not affected, including supports in employment, disability-related health supports, high intensity supports, and intensive and complex behaviour supports. The NDIA will publish a full list shortly. The reduction is not a reviewable decision. Participants can still request a plan reassessment or plan variation if their circumstances change. Plan renewals will replace plan continuations for many participants, and unused funding will not carry over into a renewed plan. Pricing, planning and access The Minister for Disability and the NDIS can make pricing determinations setting maximum amounts for NDIS supports, with NDIA advice through the existing Annual Pricing Review process. There are no immediate changes to NDIS pricing. Access to the NDIS will later be based on a standardised, evidence-based assessment of functional capacity. Provider and plan management arrangements Mandatory registration requirements will expand to providers delivering personal care, daily living supports and supports in closed settings. The NDIA will establish a panel of plan management providers, and participants will be supported to move to a provider on the panel. Some details about how the panel will operate are still being developed. If you would like more background on the current role of a plan manager, refer to First2Care's guide: What is NDIS Plan Management? What amendments did the Senate make? Following feedback from people with disability, families, advocates and organisations, the Government moved further amendments in the Senate on 18 August 2026. The Government's final changes fact sheet explains these in detail and enabling amendments summarised below. Unscheduled reassessments A change in living, education, work or informal support arrangements does not need to be unexpected. A foreseeable change may support a reassessment request if it is significant and ongoing. If the NDIA does not decide within 90 days, the request is treated as refused, so the participant can use their review rights. Reasonable and necessary supports The amendments clarify what parents are ordinarily expected to provide, including supervision, personal care, transport, emotional support and behavioural support. This does not include the additional support a child needs of disability compared with another child of a similar age. Functional capacity and treatment Common aids such as glasses, hearing aids and walking sticks can be used during a functional capacity assessment, and children can receive age-appropriate assistance. Treatment that is unsuitable, carries significant risks or may cause serious long-term effects would not generally be expected. Restrictive practices are not counted as appropriate treatment. Support determinations and high support needs Support determinations will not apply to every part of a participant's funding. Supports that are not included in the budget reductions include supports in employment, disability-related health supports, help with daily activities at home home and vehicle modifications, personal mobility equipment and transport, certain consumable products, and Specialist Disability Accommodation. Participants who require continuous 24-hour disability support will have access to a new plan variation pathway if a support determination affects their plan. The NDIA says it will share more about this soon. Compensation and existing participants Access changes concerning certain work-related injuries or motor vehicle accidents apply to people who apply from 1 January 2028. Existing participants continue under current arrangement, subject to continuing to meet the other eligibility criteria. Plan management funding Participants who request plan management and are eligible will continue to have it funded separately in their plans, apart from the assessment of their disability-related support needs. Plan management is funded by the NDIA under Improved Life Choices in the Capacity Building budget. It does not come out of funding for other supports and costs nothing out of pocket. For more detail about asking for this support, see First2Care's guide, How to Get Plan Management Added to Your NDIS Plan. Debt recovery safeguards The NDIA must tell a participant or provider that a debt exists, and explain why, before deciding whether to recover it. Participants have 28 days to respond and providers have 14 days. The low-value debt waiver threshold increases from $200 to $500. Participants and providers may provide alternative evidence when records were not kept in the required format. Fraud and integrity changes The amendments also included measures relating to provider conduct, fraud and regulatory enforcement. These mostly affect providers and the NDIS rather than the everyday structure of a participant's plan. What happens next? The remaining reforms are being introduces in stages. The dates below come from the NDIA's implementation timeline for the new laws. From 27 August 2026: Changes to unscheduled plan reassessment requests began. The Minister for Disability and the NDIS also became the decision maker on NDIS pricing. From 1 October 2026: Budget reductions begin for Social Economic and Community Participation and Improved Daily Living Skills as plans are created or reassessed. The plan variation pathway opens for participants who require 24-hour disability support. From December 2026: Claims must be submitted within 90 days of delivering a support. From February 2027: Plan renewals and updated reasonable and necessary criteria begin. From April 2027: The NDIA begins introducing a new way of planning. From July 2027: Mandatory registration requirements expand for some providers. From October 2027: The plan management provider panel is established, followed by a six-month transition period. From January 2028: Access changes begin. Existing participants are reassessed progressively over three years. From July 2028: A new commissioned support coordination and connection function begins. Further rules and process are still being developed, particularly for the new way of planning, future access arrangements and the plan management panel. What does this mean? The changes will not affect everyone at the same time. Current plans continue as they are. The budget reductions apply when a plan is next created, reassessed or renewed, rather than partway through existing plan. Providers can continue following the current NDIS pricing arrangements. If a confirmed change affects someone, the NDIA says it will provide information about what is changing and when. Changes made through the usual planning process are separate from these reforms. A NDIS plan may still change when a person's needs or circumstances change. How can you stay informed? The information relevant to you may depend on your plan, supports or role. When reading an update, check when it was published, when the change begins and who it applies to. Older articles may describe an earlier stage of the Bill and may no longer reflect the current position. First2Care will continue reviewing official information as the changes are introduced. When a confirmed change affects plan management, we will explain what has changed, what it may mean for plan-managed funding and whether any action is needed. Where information is still being developed, we will say so rather than guess. If you have questions about your plan-managed funding, you are welcome to talk it through with us on 1300 322 273 or email support@first2care.com.au. We are here to help you understand the changes that are relevant to you.

Some NDIS plans make funding available in set periods. Funding periods began being introduced gradually from 19 May 2025 for new and reassessed plans. Most are set at 3 months, although the NDIA may set another length based on the participant's needs and circumstances. Funding periods keep the participant's total plan funding the same. They change when each part becomes available. This article explains how funding periods may affect service planning and invoice processing. What is a funding period? A funding period is a set block of time during which part of a participant's funding is released. A funding component is the pool of funding attached to a support or group of supports, and each component has its own funding periods. This means the periods that apply to one type of support may differ from another within the same plan. Each participant's funding periods may be structured differently. We encourage providers to check in regularly with participants about the current and upcoming supports, and to confirm budget information with the participant or their plan manager where needed. What happens to unused funding? Any unspent funding remaining at the end of a funding period rolls over automatically into the next funding period within the same plan. When the plan comes to an end, unspent funds do not roll over into the new plan. The new plan has its own funding amounts. For more information, refer to the NDIA's What is NDIS funding and its news update change to NDIS funding periods. When does future-period funding become available? A participant can use the funding released for the current period. Funding assigned to the next period usually becomes available when that period starts. Providers should plan supports using the funding currently available. If the participant's circumstances or support needs change, they can speak with their my NDIS contact about the options that may apply. Participants can also ask the NDIA or their plan manager what support may be available before the next funding period starts. Invoices for supports delivered in an earlier funding period A provider may send an invoice after the funding period in which the support was delivered. Once the relevant funding has been released, First2Care can review the invoice using the available plan, funding and invoice information. We consider: the date the support was delivered whether the date falls within the participant's plan the applicable funding component the funding currently available whether the support is in line with the participant's plan whether the invoice includes the information required for processing Continue to send invoices with accurate information about the supports delivered. If further information is required, First2care will contact you and explain what to provide. Once the invoice matches the participant's plan and current NDIS requirements, the claiming process continues as usual. Two things that help during a funding period Invoice soon after delivering supports. This gives the participant and their plan manager a current view of plan spending. If you use monthly or quarterly billing cycles, allow time for invoice checks and updates. For the full checklist, refer to First2Care Invoicing Guide for Faster Payments. Keep service agreements current. If there is a change to the supports delivered, the agreed price, how a service is charged or provider travel, a new service agreement will need to be created and signed. Discuss proposed changes with the participant and record what you agree before applying. How First2Care handles provider invoices First2Care checks each invoice against the participant's plan-managed funding, the relevant funding component, the amount currently available, and the information included on the invoice. We aim to process complete and correct invoices within 1 to 2 business days. This is our internal processing aim. NDIA processing also forms part of the overall payment timeframe. If we need more information, we will contact you and explain what to provide. You may send invoices to accounts@first2care.com.au. For questions about how a funding period may affect an invoice, call us at 1300 322 273. Frequently asked questions about funding periods and invoicing Do funding periods reduce a participant's total funding? No. Funding periods keep the total plan funding the same. They change when each part becomes available. How long is a funding period? Most funding periods are set in three months though some budgets such as Home and Living are monthly. The NDIA may set another length based on the participant's needs and circumstances. What happens to funding a participant does not use? Unspent funding rolls over into the next funding period within the same plan. It does not carry over over into the new plan. Can I still invoice for a support delivered in an earlier funding period? Yes. Once the relevant funding is released, First2Care can review the invoice. We check the support date, the applicable funding component, the funding currently available and the invoice information. Can First2Care release funding from a future period? No. Plan managers cannot release funding early or change a plan. If a participant's circumstances or support needs change, they can speak with their my NDIS contact about the options that may apply.

From December 2026, claims must be submitted within 90 days of the date the support was delivered. Providers currently have up to two years to submit a payment request. The change come from the National Disability Insurance Scheme Amendment (Securing the NDIS for Future Generations) Act 2026. Parliament passed the Bill on 19 August 2026 and it received Royal Assent the following day. This article explains how the shorter claiming timeframe affects providers, why invoice timing matters and what you can do before the changes. The NDIA has not yet published every detail about how the change will work in practice, including how it will apply to supports delivered before the new timeframe begins. What providers need to know The 90-day timeframe is counted from the date the support is delivered. It is not counted from the invoice date; the date we receive the invoice, or the date the provider is paid. Each support date has its own claim deadline. If one invoice covers supports delivered on several dates, each service date has a separate claim deadline. For plan-managed funding, the 90 days cover the full claiming process. This includes the provider sending the invoice, we check it, any correction being completed and the eligible claim being submitted to the NDIA. For example, an invoice received on day 80 leaves limited time for checking, correction and submission, even when the invoice is complete and correct. Sending invoices soon after supports are delivered gives each stage enough time. The current NDIS guide to getting paid sets the present limit. It also advises providers to ask for payment as soon as possible after delivering a NDIS support. That guidance remains useful as providers prepare for the shorter timeframe. The NDIS has not yet explained how the new timeframe will apply to every support delivered before December 2026. Until official guidance is published, review any outstanding invoices and send them as soon as possible. What providers can do before December 2026 Review your records. Compare the supports you have delivered with the invoices you have issued and the payments you have received. Check for: supports delivered but not yet invoiced invoices sent but not confirmed as received invoices returned for correction payments requiring follow-up subcontractor invoices your business has not yet received This review can help identify supports that still need to be invoiced. Send outstanding invoices promptly. Prioritise invoices for supports delivered earlier in the year. Include accurate service dates, so these are used to work out each claim deadline. If First2Care provides the participant's plan management, we can confirm which invoices are recorded as received or submitted. You can compare this information with our own records. Invoice regularly. A weekly or fortnightly invoicing leaves more time to check information and correct errors before a claim deadline. It also gives you a more current record of the supports delivered and amounts invoiced. Check your subcontractor arrangements. If subcontractors deliver supports through your business, set a clear timeframe for them to send their invoices. Ask them to include accurate service dates and enough information to identify each support delivered. Receiving their invoices promptly gives your business more time to prepare and send its own invoice. Make sure invoices meet NDIS requirements. This mostly includes your ABN, the participant's name and NDIS number, the service date or dates, a clear description of the support, the correct support item or claiming code and a price within the NDIS Pricing Schedule for that support and location. If information is missing or appears incorrect, we may need to contact you before we can complete the invoice check and submit an eligible claim. This may increase the time needed to process the invoice. For further guidance, refer to Invoicing and Record-Keeping for NDIS Providers. How First2Care works with providers First2Care checks each invoice against the participant's plan-managed funding, the funding currently available and the NDIS claiming requirements that apply. We aim to check complete and correct invoices and submit eligible claims to the NDIA within 1 to 2 business days of receiving them. Any information's missing or appears incorrect, we contact the provider and explain what needs to be updated. The provider can then send a corrected invoice. We may also send follow-up reminders while we are waiting for information or a corrected invoice. If you already invoice soon after delivering supports, your current process is likely to meet the new timeframe. However, if you have outstanding invoices, now is a good time to review and send them. If you are not sure whether you have any unsubmitted invoices with participants whose plan is managed by First2Care. we are here to help. You may call our team at 1300 322 273 or email accounts@first2care.com.au. Frequently asked questions about 90-day claiming timeframe When does the 90-day claiming timeframe start? It applies from December 2026. What date does the 90 days count from? The date the support was delivered. It is not counted from the invoice date, the date the plan manager receives the invocie, or the date you are paid. What is the current claiming timeframe? The NDIS Guide to getting paid states that payment requests must be submitted within two years after an NDIS support has been delivered. If one invoice covers several service dates, which deadline applies? Each service date has its own claim deadline. The earliest date on the invoice carries the earliest deadline. How long do providers need to keep claim records? From 27 August 2026, providers must keep records relating to NDIS claims for 7 years. Participants and plan managers keep records for 3 years.

You delivered the support. You sent the invoice. Now you are waiting. If you are an independent support worker, a sole trader therapist, or a small practice, payment timing is not an abstract admin question. It is your rent, your insurance, your team's wages. This article breaks down some new NDIS procedures and goes over established best practice to help you do all you can to be paid on time. How NDIS provider payments work For plan managed participants, your invoice goes to their plan manager, not the NDIA. The plan manager checks it, claims the funds through the NDIA portal, and pays you once the claim is processed. The NDIA's part is usually quick. Valid claims are usually paid within 2 to 3 business days of submission. However, the Agency has significantly increased the number of claims they intercept as part of the pre-payment review process. These reviews are becoming increasingly broad in scope, as the NDIA expand their ability to detect claims that they think need a closer look. So, when payment takes two or three weeks, the delay could increasingly be because of NDIA reviews. What a fair turnaround looks like There is no legislated turnaround time for plan managers, but a reasonable industry standard is clear: a correct invoice should be processed within 3 to 5 business days of receipt. Adding the NDIA’s usual 2 to 3 business days, you should generally be paid within 3 to 5 business days of submitting. This is still a broad timeframe though, and if payments are inconsistent or routinely take ten or more business days to process, that is not normal, and it is fair to ask about it. The most common reasons invoices are delayed Incorrect details. A wrong support item number, price or date or missing ABN, means the claim cannot be processed until it is corrected. What matters is what happens next. A good plan manager notifies you quickly and clearly explains what you need to do. The participant has placed a hold on the invoice. Ultimately, the participant is responsible for choosing to pay or not pay an invoice, and it is quite common for invoices to be held while clarification is sought. The NDIA have held the claim on their end. This could be a manual pre-payment review or some other reason. A new change: the claiming timeframe Under the Securing the NDIS for Future Generations reforms, the time to make a claim for a support will reduce from two years to 90 days. The Bill passed the House of Representatives on 2 July 2026 and the Senate on 19 August 2026. While that change is not yet in force, the NDIA has already increased its integrity checks on older claims. As announced on 15 June 2026, from 16 July 2026 the NDIA is checking claims submitted 6 months or more after a support is delivered. Older claims may be held for up to 28 days while these checks are completed, and the NDIA will contact you if it needs more information or tell you the reason if a claim is rejected. We are seeing these holds happen increasingly often, so prompt claiming is the best protection. Help your invoices get paid faster A few habits protect your cash flow with any plan manager: Include the correct support item number, service dates, your ABN and the participant's details, especially their NDIS number on every invoice. If you are exempt from providing an ABN, include a Statement by a supplier form from the Australian Taxation Office. Check your rates against the current NDIS Pricing Schedule, which replaced the Pricing Arrangements and Price Limits from 1 July 2026. It sets out the maximum prices the NDIA considers appropriate for NDIS supports. Pro tip: do your research about the supports you deliver and find the correct claiming codes to use. This makes the service extremely clear. Talk to the participant before you change a price. Where a current service agreement quotes a price, the participant must agree before the new amount applies. Invoice promptly after delivery. Saving invoices until the end of the month slows payment and makes it harder for everyone to see the participant's real budget position. The longer an invoice goes before being submitted to the NDIA, the greater the chance that they will manually review it themselves. Why payment speed matters beyond the invoice The NDIS community is well connected. Plan managers earn reputations for paying quickly and communicating, or for delays and silence. We believe providers who support participants well deserve a plan manager who supports them just as well. When you are paid promptly and treated with respect, you can plan your week, take on new participants with confidence, and focus on the work that matters. That stability reaches the people you support. How First2Care works with providers Fast plan manager payment times are our commitment to providers. If your invoice is compliant, aligns with the participant’s plan, and complete with all details it will be submitted to the NDIA by close of business the next day. If something needs correcting, we contact you directly and quickly. New to working with a plan manager? We will explain the setup, so your first invoice is processed without difficulty, and so is every one after it. Our Provider Guide covers everything from support item numbers to service agreements. Send your invoices to us at accounts@first2care.com.au or through our provider portal, and if you ever have a question, call 1300 322 273. A real person answers. Frequently Asked Questions About NDIS Payment Timeframes How long should a plan manager take to pay me? A correct invoice should be processed within 2 to 5 business days of receipt. Adding the NDIA's usual 2 to 3 business days, you should generally be paid within 3 to 5 business days of submitting. My invoice was rejected, what should happen next? The plan manager should contact you promptly, explain what needs correcting, often a support item number, price or date, and process the corrected invoice quickly. At First2Care, we work through errors with you rather than setting invoices aside. What if the participant’s budget has been fully used? A plan manager cannot claim against a category with no funding left. Good plan managers keep track of budgets and work with participants to understand the expenditure patterns. Do I need to be a registered provider to work with plan managed participants? Not for most supports. Plan managed participants can use both registered and unregistered providers. Some higher risk supports do require registration, including Supported Independent Living and Behaviour Support. Your rates should still be guided by the current NDIS Pricing Schedule.

Your plan manager looks after the funding side of your NDIS plan. They pay your providers, check and submit claims, keep track of your budget, and work between you and the providers who deliver your supports. That makes the quality of their service one of the most important parts of your NDIS support experience. Two people working together through supportive and responsive communication. How they communicate, how quickly they act, and how well they know the NDIS all affect your day to day. Good customer service here is not complicated to describe: a real person answers when you call, your questions get a clear answer that fits your situation, and you are treated as an individual. Not every plan manager works this way, and many people do not realise what they are missing until they experience something better. What does "good customer service" mean in plan management? In most industries, good service means being polite, helpful, and reasonably quick to respond. In plan management, more is at stake, because your plan manager works with the funding that pays for the people and services supporting your independence. When you need answers, how well they respond affects you directly. In practice, it comes down to six things: Being easy to reach. You can contact your plan manager by phone, email, or online, and someone responds within a reasonable time, not days later and not after you have followed up three times. Explaining things in everyday words. The NDIS involves a lot of terminology, from support item numbers to the Pricing Schedule and plan reassessments. A good plan manager explains what these mean without making you feel you should already know, and will go over something again if that helps. Telling you early. You should not have to ask for information you need. A good plan manager tells you before something becomes a problem, whether a support category is running low, an invoice needs correcting, or something in your plan is about to change. Knowing the NDIS well. The NDIS is complex and changes regularly. Your plan manager should have a current understanding of the NDIS Pricing Schedule, registered and unregistered providers, and how the PACE system works, so their information is accurate. Treating you as an individual. Every participant has a different situation, different goals, and different needs. Good service means your plan manager knows who you are and remembers what you told them last time, so you are not explaining your circumstances again every time you call. Making the service accessible to you. You should be able to communicate in the way that works for you. NDIS participants can use a free interpreter through TIS National on 131 450, and the National Relay Service if you are Deaf or have hearing or speech loss (NDIS: language interpreting services). Signs of a good plan manager If you are choosing a plan manager, or wondering whether your current one is doing a good job, these are the signs that matter: They respond promptly. You get a reply within one business day, or two at most, not a week for a simple question. They know your name and your plan. When you call, the person you speak to has your file open and knows your situation. They explain decisions clearly. When an invoice cannot be processed, a budget is running low, or the NDIA changes something, they explain what it means for you. They process invoices promptly. This is a direct measure of how well a service is run, and it matters to the providers who support you, because they are being paid for work already done. They give you budget visibility. You should always know how much funding is available in each category, ideally through an online portal you can check any time, along with a regular statement. They check with you before paying. You should know what is being claimed from your funding before it is paid, and have the chance to raise a problem if you spot one. They help when something is complicated. When something unusual comes up, they help you work through it rather than simply telling you to call the NDIA. They treat you with respect. The service exists to support your goals and your independence, and every conversation should reflect that. Why your NDIS support experience matters For many participants, their plan manager is their main point of contact with the NDIS. Most people do not call the NDIA to check budgets or process invoices; that work runs through their plan manager. So how that plan manager operates shapes your experience of the NDIS overall. Plan management involves a lot of administration. A plan manager who handles it well removes that work from your day. One who handles it poorly adds to it, and adds worry too. That matters for everyone, and it matters more when you are also managing other commitments, or when a family member or carer is helping you with your plan. What a Poor NDIS Support Experience Looks Like This is worth naming plainly, because many people who receive poor service assume it is simply how plan management works. It is not. Some common signs: You cannot reach anyone. Calls go to voicemail, emails take days, and the reply is often a standard response that does not address your question. Nobody knows your situation. Every time you call you speak to a different person and start again, and no one seems responsible for your account. You find out about problems afterwards. A provider calls to say they have not been paid, and it is the first you have heard of it, or a category runs out before anyone raises it with you. Explanations are unclear or missing. When something goes wrong you get a technical answer full of NDIS terminology, with no explanation of what it means for you. You feel like an account number. The conversations feel transactional, with no sense that the person is interested in how things are going for you. If any of this sounds familiar, plan management does not have to be like this. You can change plan managers at any time, without waiting for a plan reassessment (NDIS: how to change providers). For the full process, see our guide on how to switch plan manager. How First2Care can help First2Care is an independent NDIS plan manager, and how we work reflects that. When you join, our team works from shared records, so whoever you speak with can see your plan and you are not starting the explanation over each time. We aim to respond to enquiries within one business day, we check every invoice against the current NDIS Pricing Schedule and your funding before it goes to the NDIA, and we email you to let you know before payment is made, so you can flag anything that looks wrong. You can also see your budget by category any time in the Plan Magic portal, with a statement at the start of each month. We have supported NDIS participants since 2014. If this sounds like the experience you are looking for, we would be glad to talk it through. Final thoughts Good customer service in plan management is not a luxury; it is the difference between admin that quietly disappears and admin that adds to your day. You deserve prompt replies, clear explanations, and a team that knows who you are. If your current experience does not feel that way, you have every right to expect better, and you can change at any time. When you are ready to talk, the First2Care team is here to help. Frequently Asked Questions About NDIS Your Support Experience What should I expect from my NDIS plan manager? Prompt responses to your calls and emails, clear explanations of your plan and budget, and invoices processed without unnecessary delay. You should never feel you are a nuisance for asking questions. How do I know if my plan manager is doing a good job? The clearest signs are that your providers are paid without long delays, you can reach someone when you need to, your budget is explained clearly, and your plan manager knows who you are. If any of these are missing, it is worth asking questions or considering a change. Can I change NDIS plan managers if I am not happy with the service? Yes. You can change at any time, without waiting for your plan reassessment. Check your service agreement for the notice period first, and your supports continue throughout (NDIS: how to change providers). What if I have a question my plan manager cannot answer? A good plan manager knows the limits of their role and helps you find the right information, whether that is explaining it themselves, connecting you with your Local Area Coordinator, or pointing you to the NDIA. You should never be left without a clear next step. What can I do if I am not happy with my plan manager's service? Raise it with them first, as most problems can be sorted out directly. If it is not resolved, you can contact the NDIS Quality and Safeguards Commission on 1800 035 544, or use their online complaint form (NDIS Commission: complaints). You can also change plan managers at any time.

For many participants, the NDIS Check-Ins with their my NDIS Contact are going through a restructure in the Scheme. These sessions are intended to be supportive touchpoints, accessible to the participant and their support networks in a format that is suitable to them. The NDIA have indicated that a check in is not necessarily a signal that changes will be made to the participant’s NDIS Plan. A group of people chatting Recent insights to the community indicate that a growing number of participants have experienced Check-Ins with their my NDIS Contact and left without a clear understanding of how funding decisions are made, or how recent pricing changes impact their supports. In some cases, participants are unaware of the implications of their funding categories until they’ve already run into problems accessing essential services. These issues are even more pronounced in regional areas, where travel, service availability, and cost pressures are already heightened. The lack of transparency in some discussions leaves participants feeling disempowered and unprepared. But there is a way forward. At First2Care, our role is to help you understand your funding and how it is being used, so a Check-In feels less like an unknown. Our team has developed resources to help you know what to expect, what questions to ask, and how to raise your needs confidently. That means you can look at your budget information and current utilisation before a Check-In, ask for a plain explanation of pricing updates, regional loadings or how your plan-managed funding is organised, regional loadings or how your plan-managed funding is organised. And get in touch afterwards if something has changed and you would like help following up with providers or updating your records. We also share updates through our regular newsletters, blogs and social posts, or you can simply call at 1300 322 273. If you would like to request a utilisation summary, in addition to your monthly statements this is available to all our plan management clients. Our goal is simple: to ensure no one goes into a check-in feeling unprepared or comes away feeling unheard about their budget understanding and how their funds are utilised, or what is required to meet their goals in the future. With the right support, these Check Ins can become empowering moments, a step toward a stronger, more participant led NDIS experience. See our simple Preparedness Checklist for your upcoming LAC or NDIS discussions. NDIS Check-In Preparation Checklist 1. Review Your Current Goals Look at the goals listed in your current NDIS plan. Are they still relevant? Have your priorities or circumstances changed? Tip: Every support or funding request should relate clearly to one or more of your stated goals. 2. Reflect on Your Progress What supports have helped you work toward your goals? Any wins (big or small) you want to share? Tip: This helps show what’s working and justifies continuing or increasing supports aligned with those goals. 3. Identify What’s Not Working Are there services or supports you haven’t been able to access? Have you been underspending or had to pay out of pocket? Tip: Link these issues to how they’ve made it harder to reach your goals. 4. List New or Updated Needs Do you have new challenges or changed circumstances? Are there new supports or equipment you now need? Tip: Explain how these needs directly support your progress toward a specific goal. 5. Understand Your Budget (First2Care can help with this) Know your current plan spend and balance. Are you overspending or underspending in any category? Tip: Being informed shows you’re using your plan actively to achieve your goals. 6. Prepare Your Questions Do you need clarification on pricing updates or funding decisions? Are you unsure how changes will affect your supports? Tip: Asking informed questions helps ensure your plan stays aligned with your personal goals

On October 3, 2024, the NDIA introduced the exclusion list as part of the federal government's legislation changes under the "Getting the NDIS Back on Track" initiative. This update aims to provide greater clarity and flexibility on what NDIS funds can and cannot be used for, reducing confusion for participants and ensuring that funds are allocated appropriately to supports that are directly related to disability needs. Key Updates to the Exclusion List The new exclusion list specifies clearer definitions of what constitutes "reasonable and necessary" supports under the NDIS. Here are some important updates: Supports that are not 'NDIS supports' The NDIS cannot be used to support the provision of: sexual services, alcohol, drugs that contravene a Commonwealth, State or Territory law. Day-to-day living costs such as. Accommodation, groceries, lifestyle, beauty related services, motor vehicle and travel for holidays, expenses for pets and reproductive health. Not evidence-based services. Alternative therapies, wellness, energy, and healing practices. See the full list here. easy read here. The NDIS would typically not fund a requested support if: it is likely to cause harm to you or others it is not related to your disability it provides the same benefit as another support already funded by the NDIS in your plan; or it relates to a day-to-day living cost (for example, rent, groceries or utility costs like your water bill) that are not directly related to your disability support needs (NDIS Supports for Participants Rule 5.1(d)). it is being used as income replacement (NDIS Supports for Participants Rules 5.3(b)). Replacement Support: In some cases, participants can request to substitute an excluded item with something else that provides better value or outcomes. The NDIS defines a replacement support as a support that must: replace an NDIS support or supports in your plan help you the same or more than the NDIS support or supports it’s replacing cost the same or less than the NDIS support or supports it’s replacing. A replacement support must be for your disability support needs. A replacement support is not an extra support. It replaces an existing NDIS support or supports in your plan. This means your total budget amount will not change if we approve a replacement support. Updates to what is Included Support for Cultural Activities: New provisions now allow First Nations participants to access supports for cultural participation as part of their disability-related needs. Assistive Technology and Household Modifications: The NDIA now allows for internal and external building modifications if they are needed to address disability-related damage or wear from assistive technology. Personal Care Items: Specific personal care items, such as menstrual products required for disability-related reasons, have been added as eligible for funding under assistive products. Driver Training with Adaptations: The list also includes driver training with specialised instructors, especially for participants using adapted vehicles or equipment. Examples of When It Is Reasonable to Claim Excluded Items Modified Household Goods: If a participant requires a specialized, disability-friendly appliance (such as a wheelchair-accessible washing machine), this could still be considered reasonable under the new rules, even if standard versions of the same item are excluded. Therapeutic Activities: Participation in activities like adaptive sports or art therapy, when clearly linked to a participant’s goals in their plan, may be covered, especially if they contribute to physical or social development. Examples of When It Isn’t Reasonable to Claim Excluded Items Standard Recreation Costs: General entertainment, such as movie tickets or gym memberships, remain excluded unless directly tied to a therapeutic or disability-specific goal. General Medical Costs: Routine health care, dental work, or medication costs that fall under the healthcare system remain ineligible for NDIS funding. Transition Period To help adjust to these changes, a 12-month transition period has been introduced. During this time, participants who mistakenly claim excluded items under $1,500 will not face penalties, but repeated or fraudulent claims will result in further action​ by the NDIS. Claims and Authorisation During the transition period when claiming for items and services on the exclusion list, there may be times where claims can only be processed with explicit authorisation from a Planner. This may mean the support must be specifically included in your NDIS plan or approved in writing by the Planner. These updates aim to make it easier for participants to manage their plans with clearer guidelines and flexibility in certain areas where replacements may offer better support. If you have any questions or concerns about how these changes affect your plan, don’t hesitate to reach out for assistance.

You have received your NDIS plan. That is a real milestone. Then you open it, and somewhere between the participant details at the front and the budget tables, there is a lot to take in. You are not alone in that. NDIS plans hold a lot of information, and most people are never shown how to read one. This guide walks through your plan section by section, so you know what you are looking at and what to do next. Learning how to read your NDIS plan helps you use your funding with confidence, ask clear questions at your next plan reassessment, and check that your supports still match your goals. Where to find your NDIS plan Your plan is available through the participant portal linked to your current plan. Depending on your plan, this is either the my NDIS participant portal or the myplace participant portal, both reached through myGov. If your plan is in the newer computer system (PACE), you can also view it in the my NDIS app. The NDIA sends you a copy within 7 days of approving your plan. If you would like another copy, or you are not sure which portal to use, call the NDIS on 1800 800 110. Your support coordinator, plan manager or Local Area Coordinator can also help you find it. The key sections of your NDIS plan explained Every NDIS plan follows a similar structure. Here is what each section usually includes, and what is worth a closer look. Not every plan has funding in all four budgets, only the ones that match your needs. Your plan also includes a support purpose description explaining why each support is funded. It is worth reading closely before a reassessment. How to read your NDIS plan step by step Here is a simple way to work through it. 1. Start with your plan dates. Find your start and end dates and write them down. Your funding is used across that period, in line with any funding periods in your plan. 2: Read your goals out loud. Do they describe what matters to you right now? Clear, current goals make your next reassessment easier to prepare for. Keep notes on anything you would like to update. 3. Note your funding per category. Write down how much you have in Core Supports, each Capacity Building subcategory, and Capital Supports if they apply. This is your budget for the whole plan period. 4: Check for plan management. Look for Improved Life Choices in your Capacity Building section. If it is there, plan management funding is included and is separate from your other supports, so it does not reduce them. 5: Note anything that does not match. If a support is missing or lower than you expected, write it down. Depending on the situation, the next step may be a plan variation, a reassessment, or a review of a decision. Frequently Asked Questions About How to Read Your NDIS Plan What do stated supports mean in an NDIS plan? Stated supports are funding items set for a specific purpose. They are used for that support only, rather than flexibly across other supports. Your plan shows which supports are stated and which are flexible. Can I spend my NDIS funding on anything within a category? Sometimes. Core Supports funding is often flexible within the same budget, while Capacity Building and Capital funding is usually tied to a specific purpose. It is worth checking with your plan manager or my NDIS contact before you book. What happens if my funding is used before my plan ends? This is where regular budget tracking helps. If a category is running low, First2Care lets you know early. The NDIA generally keeps a budget as set until your next reassessment, though you can request an unscheduled reassessment if your needs have changed significantly. What if I have funding left at the end of my plan? Unspent funding from an older plan generally does not carry over once a new plan is issued. In some newer plans with funding periods, unspent amounts can roll between periods within the same plan. If you are not sure how your plan works, it is worth checking early. My plan has changed since my last one and I would like to understand why. Who do I ask? Ask the NDIA to explain the changes, or speak with your Local Area Coordinator, support coordinator or plan manager. If you think a decision is incorrect, you can request an internal review within 3 months of receiving the decision. How First2Care can help Reading your plan is the first step. Using it well means keeping track of your budget, making sure invoices are processed correctly, and having someone to ask when a question comes up. At First2Care, we help you understand your plan from the start and keep an eye on your budget across your categories, so you can see where your funding stands at any time and hear from us early if a category is running low. Your Client Services Officer and the wider team share the same records, so whoever you speak with can see your plan. If you would like help understanding your plan or setting up plan management, call First2Care on 1300 322 273 or support@first2care.com.au. We will talk you through it clearly, simply, and at your pace. First2Care is a registered NDIS plan management provider (ABN: 24 601 046 155), approved and registered with the NDIS Quality and Safeguards Commission. This article is for general information purposes. For advice specific to your individual plan, please speak with your NDIA planner, Local Area Coordinator, or the First2Care team directly.

If you have opened your NDIS plan and felt unsure about what you were looking at, that is a common experience. Your plan is not one single amount you can spend on anything. It is divided into separate budgets and understanding how each one works can change how you use your plan. Here are the NDIS budget categories explained simply. How many budgets are in an NDIS plan? There are four support budgets in the NDIS: Core Supports Capacity Building Supports Capital Supports Recurring Supports Not every participant has all four. Your plan only includes the budgets and support categories that match your needs. Most participants use the first three. Recurring Supports usually covers transport that is paid to you on a regular basis, and appears in fewer plans. Each budget is for a different purpose. Funding from one generally cannot be used for something that belongs in another. Your budget is set at your planning meeting and looked at again when your plan is reassessed. If your circumstances change, you can ask for a plan reassessment at any time. Minor changes can be implemented through a plan variation. Core Supports: your everyday supports Core Supports is usually the largest budget, and the most flexible. It includes: Assistance with Daily Life. Personal care, help at home, and help getting ready in the morning. Assistance with Social, Economic and Community Participation. Community access, social activities and outings. Transport. Getting to appointments, work or activities when public transport is not an option. Consumables. Everyday items such as continence products, low-cost assistive technology, or wound care supplies. You can usually move funding between Core support categories as your needs change. One thing to check: some supports, including transport, may be listed as stated. Stated funding can only be used for that purpose and cannot be moved. For example, Sarah has Core Supports funding. She uses it for a support worker three mornings a week, and for community access on weekends. In a busy month she can move funding between her flexible Core Supports categories, using a little less on community participation and a little more on daily living support. Capacity Building Supports: skills and independence Capacity Building helps you build or keep your skills and independence over time. It includes: Support Coordination. Help connecting and organising your supports. Improved Daily Living. Therapies such as occupational therapy, speech pathology and physiotherapy. Improved Health and Wellbeing. Supports such as dietetics and exercise physiology, where the need is related to your disability. Improved Life Choices. This is where plan management is funded. Other categories. Increased Social and Community Participation, Finding and Keeping a Job, Improved Living Arrangements, Improved Learning, and Improved Relationships. Unlike Core Supports, each Capacity Building category is separate. The funding can only be used for that category and cannot be moved between categories. These categories are also defined as Stated Supports, meaning the description of what has been funded in that category must be followed. For example, James has Capacity Building funding for weekly occupational therapy and for his support coordinator. He also has Improved Life Choices funding, which is how First2Care is funded as his plan manager. That funding is completely separate, so his occupational therapy sessions are not affected by having a plan manager. If you are on a PACE plan, Improved Life Choices may appear as Choice and Control. It is the same category. Capital Supports: higher cost items Capital Supports covers higher cost items, usually one-off purchases or equipment you will use for a long time. It includes: Assistive Technology. Equipment and devices, from wheelchairs and communication devices to hearing aids and specialised beds. Home Modifications. Changes to your home such as ramps, grab rails, accessible bathroom fittings or wider doorways. This is the least flexible budget. The funding can only be used for the specific items that were approved. Assistive technology is grouped by cost: Low cost, under $1,500. Usually paid from your Core Consumables budget. No quote or written evidence is needed. Mid cost, $1,500 to $15,000. You need written evidence from a qualified assistive technology advisor. High cost, over $15,000. You need an assessment from a qualified assessor and a formal quote before approval. For example, Maria has Capital Supports funding approved for a powered wheelchair. That funding can only be used for the approved wheelchair, not for extra support hours or therapy. The approval process is more involved, often needing assessments and quotes, and First2Care works closely with participants and support coordinators to make sure Capital invoices are processed correctly. The Four NDIS Budget Categories at a Glance Budget What it covers Flexibility Core Supports Everyday supports: personal care, community access, transport, consumables Most flexible. You can usually move funding between categories, except stated supports Capacity Building Therapy, support coordination, plan management, skills building Can only be used for each category's purpose. Less flexible than Core Supports Capital Supports Assistive technology and home modifications Least flexible. Can only be used for approved items Recurring Supports Regular payments, most often transport Can only be used for that purpose Core supports, Capacity Building and Capital Supports can each be agency managed, self-managed or plan managed. Recurring Support is different: it is a regular payment made directly to you, so it does not have a management type. How your plan is managed is a separate choice from which budgets you have. Common mistakes, and how to avoid them Understanding the budget is one thing. Using them well across a plan year is another. These are the situations we see most often. Spending too much, too early It is easy to use a lot in the first few months, particularly from Core Supports. If you spend heavily early, you may not have enough funding later in your plan. The answer is to check your budget regularly. At First2Care you can see your balances at any time in the Plan Magic portal, and we will contact you if you have used most of a category. Not realising you have funding left When your plan ends and a new one begins, you generally cannot use any funding you did not spend. The Securing the NDIS for Future Generations reforms include a change to how unspent funding is treated between plans. The Bill passed the House of Representatives on 2 July 2026 and the Senate on 19 August 2026, and is now awaiting Royal Assent, after which measures begin rolling out in stages. Many of the finer details are still being developed by the NDIA. If you are consistently not using your funding, it is worth talking with your support coordinator or your Local Area Coordinator, the organisation that helps you use your plan in your area, about whether your plan reflects what you actually need. Funding you do not use may mean a support is hard to find in your area, rather than a support you do not need. Assuming funding is flexible when it is not You cannot move funding from Capacity Building to Core Supports, or from Capital Supports to anything else. If your budgets do not reflect your needs, ask about it at your next plan reassessment, with supporting evidence from your therapists, your support coordinator or your GP. Thinking plan management costs you funding Some people decide against a plan manager, believing it will reduce their other supports. It does not. Plan management is funded separately by the NDIA under Improved Life Choices (Capacity Building). It does not come out of your other supports and costs you nothing out of pocket, so all your other supports stay exactly as they are. How First2Care helps you keep track Understanding your budgets is a good start. Keeping track of them across a whole plan, while living your life, is harder. Every First2Care participant can see their budget in the Plan Magic portal at any time, across all their support categories. You can also see which invoices have been processed and view copies of paid invoices. At the start of each month, we email you a Monthly Budget Statement setting out how your funds have been used. If you have used most of a category, or something looks unusual, we will contact you before it becomes a problem. Every invoice is checked against the correct support category and the current NDIS Pricing Schedule. We then email you to confirm it has been submitted. If you are happy for it to be paid, you do not need to do anything. If you see a problem, reply to our accounts team within 24 hours and we will pause the payment and fix it with you. A tip that saves people money: if you are thinking about buying something and you are not sure which budget it comes from, ask us before you buy it, not after. We are always happy to check. Questions about your budget? We love those. Call us on 1300 322 273, we are always happy to talk it through, at your pace. Frequently Asked Questions About NDIS Budget Categories Select each question on the website to show or hide the answer. You can read the questions in any order and open only the answers you need. What are the three main NDIS budget categories? There are four: Core Supports for everyday assistance, Capacity Building Supports for things like therapy, support coordination and plan management, Capital Supports for higher cost items such as assistive technology and home modifications, and Recurring Supports, which is most often regular transport. Not every plan includes all four. Can I move funding between NDIS budget categories? Generally no. Funding cannot move between Core Supports, Capacity Building and Capital Supports. Within Core Supports you can usually move between flexible categories, but not from stated supports. Capacity Building and Capital Supports funding can only be used for specific purposes. Is plan management funded from my other supports? No. It is funded separately under Improved Life Choices, within your Capacity Building budget. The NDIA adds it to your plan for that purpose, so it does not reduce your therapy, your support coordination, your Core Supports or anything else. What happens to funding I do not use? When your plan ends and a new one starts, you generally cannot use any funding you did not spend. If you are worried about funding you have not used, talk with us or with your support coordinator before your plan ends. Will underspending reduce my next plan? Your next plan is based on your current needs and goals. If you have not used some of your funding, it is worth talking with your support coordinator or Local Area Coordinator about why, because the reason matters. Sometimes it means a support is difficult to find in your area, rather than a support you no longer need. How does First2Care help me track my budget? You can see your balances across all categories at any time in the Plan Magic portal, and you receive a Monthly Budget Statement by email. Related reading: What Is NDIS Plan Management? · How to Get Plan Management Added to Your NDIS Plan · How Fast Should NDIS Invoices Be Paid? First2Care is a registered NDIS plan management provider (ABN: 24 601 046 155), registered with the NDIS Quality and Safeguards Commission. This article is for general information purposes. For advice specific to your individual plan, please speak with your NDIA planner, Local Area Coordinator, or the First2Care team directly.