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What Can NDIS Funding Be Used For?

NDIS funding empowers you to spend more quality time with your loved ones, gain independence, master new skills, secure employment or volunteer opportunities, and achieve your personal goals through funded supports.

This funding links you to essential local services, such as medical professionals, community and sports groups, capacity building supports, libraries, and schools, while offering information about the support accessible from state and territory governments.

The NDIS is a government system that was created through the National Disability Insurance Scheme Act 2013 and is detailed further in the NDIS Rules, which are legal documents that explain how the NDIS operates. The Act also established the National Disability Insurance Agency (NDIA), an independent agency in charge of running the NDIS.

The goals of the NDIS include:

  • Promoting independence, capacity building, and participation in social and economic activities for people with disability by funding supports.
  • Providing essential and timely supports.
  • Ensuring individuals with disability can make choices, direct their own support plans, and get their supports funded.
  • Aiming for a consistent national approach to support access and funding.
  • Encouraging high-quality, innovative support options.

Related: What is NDIS Capacity Building?

The scheme is built on an insurance model, which uses actuarial analysis to plan and fund core supports for people with disability.

If you are eligible for NDIS funding, you might be wondering which supports are covered and which aren’t.

Here’s what you need to know:

Eligibility and goal setting for NDIS funding

To access NDIS funding, you first need to check if you are eligible. This involves meeting certain criteria, including being between 9 and 65 years old, holding Australian citizenship, permanent residency, or a Protected Special Category Visa, and be living in Australia. Additionally, applicants must have a permanent impairment that requires specific supports for daily life activities.

Once approved, you’ll work with the NDIA to set your personal goals, which vary based on your individual needs and aspirations for independence. Goals might include becoming more self-sufficient in personal care, learning to drive for better mobility, or planning to live independently. Establishing these goals plays an important role in the development of your NDIS plan.

What does the NDIS fund?

The NDIS can fund many types of help and services to support you toward your goals in areas like learning, working, joining in with community activities, becoming more independent, and improving your health and wellbeing. 

For the NDIS to pay for supports or services, they must meet certain rules to be considered ‘Reasonable and Necessary‘:

  • Supports need to be directly related to your disability.
  • They shouldn’t pay for everyday things like your groceries, rent or bills.
  • Supports should be good value for the money, meaning it’s worth it for what it does and isn’t more expensive than other options that could help you just as well.
  • They have to be the same or similar supports that are known to work well for people with similar needs.

When considering what NDIS supports are right for you, the NDIS also looks at the help you naturally get from the people around you (informal supports) and any other official support you might have, like health or education services. The aim is to:

  • Help you work toward achieving your goals.
  • Help you in becoming more independent or maintain your independence.
  • Get you more involved in your community and at work.
  • Build your social skills for improved relationships and more active community participation.

Examples of things the NDIS funds

Let’s take a look at some support categories NDIS funding covers if they are considered reasonable and necessary.

Assistive Technology and Equipment

Assistive technology refers to tools, devices, and mobility aids designed to assist individuals in performing tasks that might be challenging due to disability, making everyday activities more accessible and safer. NDIS funding cover things like equipment assessment, smart devices, and vehicle modifications in this support category.

Health and Wellbeing Supports

Examples of health and wellbeing supports include gym memberships, driving lessons, personal care, or assistance with meal planning and preparation and other daily life activities and household tasks that result in improved health and wellbeing.

These supports help to build skills and independence and complete daily living activities, aiding individuals in achieving their long-term goals. They might cover exercise or dietary advice tailored to manage the impacts of disability.

Mainstream Supports

These supports are standard services available to all individuals, regardless of disability, such as healthcare and medical appointments, education, and employment support.

For individuals with disability, these services are crucial in fostering independence and participation in the community. Access to these services is provided through regular service channels in areas like health, mental health, education, employment, and housing.


These supports are everyday items that individuals might need due to disability, such as continence products or low-cost tools and technology that enhance independence and mobility.

Early Childhood Intervention

This support targets young children with developmental delay or disability, offering specialised services to promote development and wellbeing. It can include specific aids like footwear or activities like swimming lessons, aiming to get supports delivered that provide the best possible start in life for children and support for their families.

Living Supports

An NDIS plan may include other supports for daily living arrangements, sometimes in collaboration with state or territory services. This aspect focuses on finding suitable living situations or specialist disability accommodation, ensuring individuals have the support needed to live as independently as possible.

The NDIS collaborates with individuals and their families to identify the most effective mix of supports for home life and future needs. This might include home modifications, a support worker or skilled personnel to assist with household tasks, and other core supports to ensure improved living arrangements.

Related: NDIS Support Funding Categories Explained.

Can you use NDIS funding overseas?

In short, yes. If you’re heading overseas, you can keep using your benefits and funding for up to six weeks, and sometimes even longer if you’re granted a grace period. If you’re planning to tap into your funds while you’re abroad, it’s a good idea to either handle it yourself (self-managed) or engage a plan manager.

Click the following link to learn more about using NDIS funding overseas.

What doesn’t the NDIS fund?

NDIS funding doesn’t cover certain things like:

  • Anything that could be dangerous for you or others.
  • Services or items that aren’t connected to your disability.
  • Something that gives the same help as another support the NDIS is already paying for in your plan.
  • Everyday living costs such as rent, food shopping, or your water bill.
  • Income replacement.

Simplify your NDIS funding with NDSP plan management

Looking for someone to help manage your NDIS plan? NDSP is here to help. 

As a registered NDIS Plan Manager, we ensure your providers are paid promptly and your budgets are monitored closely, so you can focus on reaching your goals and living your life. Our team of experts brings together a wealth of NDIS knowledge and accounting experience to make managing your plan and supports stress-free.

Related: NDIS Self Managed vs Plan Managed vs Agency Managed Explained.

With NDSP, you get the freedom to choose your supports and service providers freely, enjoy clear communication, and benefit from prompt payment processing.

Ready to make your NDIS plan management easier? Why not get in touch with us, and see how we can support you.


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