Navigating the National Disability Insurance Scheme (NDIS) can feel overwhelming, especially if you’re new to the system or preparing for a plan review. This NDIS funding guide simplifies how the scheme works, helping you understand eligibility, funding categories, and how to make the most of your supports in Melbourne.
Whether you’re looking for therapy, mobility assistance, or community participation, knowing how NDIS funding is structured allows you to make confident decisions that align with your personal goals.
What You’ll Learn in This Guide
This guide covers:
The National Disability Insurance Scheme (NDIS) supports more than 690,000 Australians living with disability (as of December 2024 based on the NDIS Quarterly Report. Each year, the Scheme invests around A$42–44 billion to help participants build skills, access support, and improve their quality of life.
Among its three main funding categories: Core, Capital, and Capacity Building, one of the most empowering is NDIS Improved Daily Living, found under the Capacity Building budget.
Unlike Core funding, which covers everyday essentials like personal care or transport, NDIS Improved Daily Living is an investment in your future skills and independence. It’s not about paying for food or rent; it’s about building confidence, ability, and self-reliance.
This category provides access to a range of allied health and training services, including:
The NDIS is a national program that provides funding and support to Australians living with permanent and significant disabilities. Its goal is to empower participants to live independently, engage in their communities, and achieve personal goals.
Each participant receives a personalised plan detailing:
Plans are flexible, allowing adjustments as circumstances change, and they align with the NDIS 2025 Price Guide and funding limits.
With structured funding and flexibility, the NDIS allows you to access services like physiotherapy, occupational therapy, and assistive technology that suit your individual needs.
Understanding eligibility is the first step in your NDIS journey. While the national standards apply, local access points in Melbourne may have specific processes.
To access NDIS supports, applicants must meet the following:
If you meet these criteria, you can begin exploring your funding options through a support coordinator or contact Roaming Therapy.
For participants wondering if physiotherapy is covered, read our related guide on Who Is Eligible for NDIS-Funded Physiotherapy, it breaks down how eligibility applies specifically to therapy-based supports.
Residents must meet citizenship or visa requirements to qualify for NDIS. Temporary visa holders cannot access NDIS supports but may access other community or health services.
Tip: Contact your local NDIA office or a trusted provider like Roaming Therapy for clarity before submitting your application.
Supporting documents help confirm eligibility and determine the right funding categories:
Complete and clear evidence speeds up application processing and ensures funding aligns with your needs.
Understanding the three main categories is crucial to using your plan effectively.
Core Supports fund everyday needs and activities. They are flexible, allowing some movement between sub-categories.
Examples of Core Supports:
Core Supports can fund mobile physiotherapy in Melbourne, making therapy accessible at home or in the community.
These supports help participants develop skills, confidence, and independence. Each line item is set for a specific purpose.
Examples of Capacity Building Supports:
Tip: Use your NDIS funding guide during planning meetings to ensure supports align with goals and NDIS price guidelines.
To see how these services can improve daily function, read Improved Daily Living Through NDIS-Funded Therapy in 2025, which explores the impact of NDIS-funded therapies on independence and wellbeing.
Capital Supports fund high-cost or one-off purchases that impact independence and safety.
Examples of Capital Supports:
Before purchasing, always review the NDIS Price Guide and obtain quotes from trusted NDIS service providers.
When planning your supports, it can be tricky to know which category covers what. Here’s a quick decision guide:
Type of Support | Category | Example |
Everyday personal care | Core Supports | Help with morning routines |
Therapy sessions | Capacity Building | Weekly physiotherapy |
Mobility equipment | Capital Supports | Wheelchair purchase |
During your planning meeting, discuss each support goal in detail. Ask your planner or Support Coordinator how your needs fit into the NDIS structure. A good tip from this NDIS funding guide:
Effective budgeting helps you stretch your funding further. Here’s how:
Keeping track of your spending ensures your NDIS plan in Melbourne stays balanced and aligned with your goals.
Life changes may require plan updates. Request a review if:
Reviews can be managed via the my NDIS portal or through your local NDIA office.
Melbourne NDIS participants can access help through NDIA offices, Local Area Coordinators (LACs), and Early Childhood Partners, who can explain funding options and how NDIS pricing arrangements and limits apply to the supports in your plan.
When it comes to finding trusted NDIS providers, Roaming Therapy offers flexible, home-based allied health services including physiotherapy, occupational therapy, and speech therapy, all aligned with your NDIS funding categories and personal goals.
If your plan includes NDIS Core Supports like transport or daily assistance, or Capital Supports for assistive technology and home modifications, Roaming Therapy can help deliver services that align with your needs and comply with NDIS funding rules. Participants may also be eligible for public transport concessions through Victorian disability programs, helping make travel more affordable and accessible.
With the right NDIS funding guide and a strong support network, achieving your goals in Melbourne becomes simpler, more accessible, and empowering. Contact Roaming Therapy to learn how we can help you make the most of your NDIS plan.
With the right guidance and planning, Melbourne participants can confidently navigate the NDIS and achieve meaningful independence and community participation.
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