The 35-Day Rule

Even though I spend an awful lot of time looking at health and welfare stuff, I have A LOT to learn about the stuff that affects older people (generally 65 years + in Australia) outside of my brief grasp of the Aged Pension and how it differs from DSP.

This week’s learnings were about the 35-day rule in NSW public hospitals for “Nursing Home Type Patients“. A “Nursing home type patient is when you’re finished needing the hospital treatment for whatever you came in with (and also anything else that came up along the way) and you’re basically just receiving the level of care a car home would give – this include regular medications if they don’t need adjusting, toileting and shower and other personal care support, and accommodation and meals. After 35 days at this level of care they can start charging “at a rate equivalent to 85% of the aged pension” for care and board.

If you get sick in that time (eg you have another stroke or you get a UTI or a hospital acquired infection) you can moved back to being a regular patient and not charged, but the clock doesn’t reset. Once you’re deemed back in maintenance mode they start charging again.

This is meant to encourage people to get their wiggle on in getting their Nan into an aged care placement. Which might be a nice idea to the bean counters, but families have very little influence on getting those placements once they paperwork is all done. Which are usually done within a month if there’s social work support to do so.

There are no aged care beds anywhere, so charging a daily fee isn’t going to get Grandma into care sooner, it’s just another stressor on the family regardless of whether they can “Afford” it or not. There’s no bed for fee paying residents or fully commonwealth supported ones. If anything this fee should be on the federal government if it’s to incentivise a placement.

After 35 in a hospital after you're deemed well enough for discharge but are stuck because you're waiting for an aged care placement NSW health starts billing you an amount equiv to 85% of the pension for board and care. It can be waived for hardship but yeah should be billed to the feds.

πŸ’œ phonakins πŸ‰πŸŒ² (@phonakins.com) 2026-08-20T11:18:31.961Z

The 85% is of the single pension rate, which is going to be $1237.70 a fortnight from September 20, or $933 for a member of a couple. It can be waived for “financial stress” which would anyone relying on the pension for their income, and certainly screwing over the partner of the person stuck in hospital.

Social Security Payment Parameters 20 September 2026 indexation Rates Pension Rates Pension β€” Single β€” Resident Component (per fortnight) Previous Amount 20 Sep 2026 Increase Basic Rate $1,100.30 $1,135.40 $35.10 Pension Supplement $86.50 $88.20 $1.70 Energy Supplement $14.10 $14.10 - Typical Total Rate $1,200.90 $1,237.70 $36.80 Note: also applies to residents temporarily absent (weeks 1 to 6). Note: also includes illness separated, respite care or partner in gaol. Pension β€” Partnered (each) β€” Resident Component (per fortnight) Previous Amount 20 Sep 2026 Increase Basic Rate $829.40 $855.90 $26.50 Pension Supplement $65.20 $66.50 $1.30 Energy Supplement $10.60 $10.60 - Typical Total Rate $905.20 $933.00 $27.80 Note: also applies to residents temporarily absent (weeks 1 to 6).

The other indexation rates for September 20 are here.

With the scaremongering news that rents are looking to go up 30%, the $2 a week rent assistance increases are, as always, laughable. My rent will increase in December, waiting to see by how much. Last year it was $50/week with the signing of another 12 month lease.

Commonwealth Rent Assistance Commonwealth Rent Assistance β€” SSAct β€” Maximum rates Family situation (per fortnight) Previous Amount 20 Sep 2026 Increase Single $219.40 $223.80 $4.40 Single β€” Sharer $146.27 $149.20 $2.93 Partnered β€” Illness separated $219.40 $223.80 $4.40 Partnered β€” Temporarily separated $206.80 $211.00 $4.20 Couple $206.80 $211.00 $4.20 Commonwealth Rent Assistance β€” SSAct β€” Rent thresholds Family situation (per fortnight) Previous Amount 20 Sep 2026 Increase Single $154.80 $157.80 $3.00 Single β€” Sharer $154.80 $157.80 $3.00 Partnered β€” Illness separated $154.80 $157.80 $3.00 Partnered β€” Temporarily separated $154.80 $157.80 $3.00 Couple $250.80 $255.80 $5.00 Commonwealth Rent Assistance β€” SSAct β€” Rent ceilings Family situation (per fortnight) Previous Amount 20 Sep 2026 Increase Single $447.34 $456.20 $8.86 Single β€” Sharer $349.83 $356.74 $6.91 Partnered β€” Illness separated $447.34 $456.20 $8.86 Partnered β€” Temporarily separated $430.54 $439.14 $8.60 Couple $526.54 $537.14 $10.60

And with the increasing unemployment rate, more are waiting on their extra $8.10 a week and for it to have already disappeared into the nether.Β Jobseeker Payment Rates Note: some of the following rates may apply to Special Benefit recipients. JobSeeker Payment β€” Single β€” No dependent children Component (per fortnight) Previous Amount 20 Sep 2026 Increase Basic Rate $808.70 $824.90 $16.20 Energy Supplement $8.80 $8.80 - Typical Total Rate $817.50 $833.70 $16.20 JobSeeker Payment β€” Single β€” With dependent children Component (per fortnight) Previous Amount 20 Sep 2026 Increase Basic Rate $866.00 $883.30 $17.30 Energy Supplement $9.50 $9.50 - Typical Total Rate $875.50 $892.80 $17.30 JobSeeker Payment β€” Single β€” Principal carer of a dependent child Component (per fortnight) Previous Amount 20 Sep 2026 Increase Basic Rate $866.00 $883.30 $17.30 Energy Supplement $9.50 $9.50 - Pharmaceutical Allowance $7.00 $7.00 - Typical Total Rate $882.50 $899.80 $17.30

So, mum’s in purgatory, but a slightly quieter one after moving to a smaller hospital, but not the private one that rejected other the day they said she was moving and was packed up and transport on the way, the one that at least two staff at the current hospital have said she should go to and a couple more expressed surprise at the rejection.

A lime green paper coffee cup with a black lid and sleeve sits on a dark wooden picnic table. The cup sleeve features black text and graphics including Central Catering, Go Market, and a small illustration of a building on a hill. To the right of the cup is a clear rectangular plastic container with a blue latch holding two rectangular slices of frosted pink cake. A metal fork rests inside the container on top of the cake. In the blurred background other drink cups are partially visible including one with a yellow logo. Bright sunlight creates a strong glare from the upper left.

So we wait, drink lots of coffee, keep calling the same places just to see and I unfortunately am getting a new area of welfare and health to specialise in complaining about.

It’s August apparently.

If you like this post, have learned something from this or my blaterings on the socials, or just want to help me pay for coffee and petrol (the new hospital is just as far a drive but parking is less crap), my wishlists an paylinks are here.

Six Months. 44 Years.

Mum had her first stroke six months ago tomorrow. She’s been between John hunter Hospital and the Rankin Park Rehab Centre since.

A rectangular aquarium on a light gray cabinet in what appears to be a medical facility. The tank contains light sand, dark rocks, driftwood, and green and red artificial plants. A plaque on the hood reads: Donated to the Staff of the JOHN HUNTER ICU By the Maher Family In Loving Memory Of Daniel. To the right is a white refrigerator. A wall socket and informational poster are visible in the background.

We’re at the stage of looking for nursing home placements. First reluctantly now more urgently. Mum’s waiting on the manual wheelchair from Enable NSW that the OT scripted as she can no longer walk, and she needs hoisting into that and two people to support her for transfers and care needs. Still hoping to convince mum to get the powerchair conversion for the chair after it comes so she can putter around at her leisure.

She’s currently back over at John Hunter due to some health complications and infections and to treat an embolism. But she’s still mentally mum – her speech and cognition are all but the same as “before” as is her humour, like the rest of us fatigue and stress is taking its toll on her psychologically, but we’re all still looking forward while trying to deal with all the things that are thrown at us.

Japanese takeout meal arranged on a kitchen counter. In front features five black plastic trays containing tuna sashimi, salmon sashimi with lemon, fried chicken pieces, grilled octopus, and steamed edamame. A tall yellow Naked Life Limoncello Spritz bottle stands behind them next to a small lemon cake in packaging. A pair of wooden chopsticks and spoon lie in the foreground. Background shows a wire fruit basket with lemons and a patterned tissue box.

I turned 44 last Wednesday. I got presents and ate my little treats.

I feel like I’ve had to grow up a lot the last six months. I love it and hate it but I’m proud of how I’ve been able to step up and handle this.

But I’d like the challenges to take a break soon please?

Gas pump display showing 55.91 dollars for 30.40 litres at 183.9 cents per litre. Fuel prices listed: diesel 225.9, premium 98 206.9, premium 95 197.9, unleaded 91 ethanol 184.9, unleaded 91 183.9. Preset buttons for 5, 10, 20 litres visible. Gilbarco Veeder-Root brand. Minimum delivery 2.5 litres.

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WelfareMaxxing this Budget

So, it’s Federal Budget Day, and while the government tried to ease us into their cutting of the NDIS and there being little offered directly to the poorest to help their situation, there’s a few little interesting nuggets that tell you a lot about the government of the day.

One is the news that the Feds will give payments of about $6000 to community housing providers for each person on Youth Allowance or youth rates of DSP they house. This isn’t a nice little bonus to encourage them to rent to younger people, but a payment to stop them overtly discriminating in who they give tenancies to. You see, because they can only take 30% of your payment as rent, they don’t get as much from those on youth rates so they’re more likely to give a house to an older person on DSP or Aged Pensions. Obviously since there’s such a massive waitlist (in NSW the priority waitlist has increased from 5800 households in June 2021 to 12478 now) they’re not leaving places empty.

Of course, the government could look to lessen how far behind youth are starting when trying to get rentals by increasing the payments for all adults to the same rates by payments (Youth rates go to you turn 22)… I mean the Fair Work Commission has started making changes to youth pay rates for some awards this year. I don’t see much out there being cheaper if you’re 18-21 than if you’re 22….

we worked very hard to get over a dozen Labor MPs to break ranks in the lead up to the 2023 budget, but since then have heard from MPs that they're not allowed to bring it up anymore

Jeremy Poxon (@jeremypoxon.bsky.social) 2026-05-11T03:04:21.523Z

This idealist wants to still see ALL payment rates ABOVE the poverty line. But it seems that those Labor MPs willing to break ranks to ask for such things have been told to shush, Labor doesn’t do that.

There’s talk there might be a $200-$300 tax break for all tax payers… in 12 months. Other things like shifting around tax brackets a little are always talked about – but I will of course come back to the idea that maybe lifting the tax free threshold would be a better place to start since it helps everyone on a wage and not just the top end. I’ll also add in that it’s kinda shitty that the tax free threshold is below the poverty line and they poorest lose out on tax and reduction in their welfare payments well before they peep the poverty line.

I completely understand why the government has baulked at the gas tax changes that were near certain before Israel and the US went at Iran, there are relationships to maintain and security of diesel supplies etc etc. I do think though this is why they HAVE to go bold on Capital Gains Tax and perhaps negative gearing this year, and perhaps revisit the gas takes when there’s less global uncertainty. Trump is not making an end to their trip to Iran look like it’s happening soon, even if they do ignore Israel’s intentions in Lebanon to make it the new Gaza and expand towards their Greater Israel ideal… I got petrol today and while it’s hovering about the price it was at the end of February with the excise cut, I think it’s gonna start creeping up again soon since there’s no end in sight. I don’t think Chalmers will extend the excise discount, so it’ll jump at the end of June too…

groceries in boxes and bags

Anyway, my goal at the start of the year to food blog my way through the year went quickly when mum has her strokes, and it’s been a full one, slow but long three and a bit months since. I’ve had Everyplate meals most weeks, but switched over the buying bull chicken and mince or thanking Dad for handing over his meat tray winnings other weeks – either because money’s been tighter or because I’ve felt adventurous enough to do a week’s meals myself but have regretted that about 50% of the time when that week has had long or mentally taxing days.

We’re starting to look towards what the next step is for mum, had a builder out with the OT yesterday to see what’s possible in terms of making access to the house easier and get an idea for redoing the bathroom as an open wet room. Dad and I have been starting to assist with Mum’s personal care more in the hospital and had a more formal training session with the physio on using the sling lifter today. She may need to go into a nursing home in the short term while we get the house done, but we’re still hoping to get her home full time and get the equipment and care support she needs. She’s going to get a wheelchair soon that she can then be transported in, so I’ll get Bruce onto finding a vehicle for Dad and us to transport her so we don’t have to rely on taxis.

a trolley of Aldi groceries

So, I was just back from visiting two food pantries and Aldi last week when a friend used the word “Welfaremaxxing” and I figured it could apply to us stretching our payments well beyond what most could by being creative in our purchases and other ways of feeding our families. But I would love to be able to have my meal kits to make my brain that little less taxed, and to not have to spend a whole morning using the privilege of having a car and good physical function to make sure I have enough cash to pay for the bills that can’t be worked around will free bread and zucchini.Β  Unlike many who can’t drive, don’t have a car, buses don’t go to the new warehouse the government’s funding for a foodbank, or are living in tents by the old station because they couldn’t get a rental and are only able to heat their food because a charity gave them a camp stove.

There’s being frugal and then there’s knowing that the government should be doing more to house and feed people rather than outsourcing it to charities and the individual.

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dog in front of houses at sunset

We are saved we have banana muffins

I rarely make cakes or banana bread, and generally make muffins since they’re easier to judge if they’re cooked, already portioned and yeah, just easier.

Today I made Banana Muffins since I got a lot of bananas free yesterday. I was going to put some coconut in, but I couldn’t find a hammer, so that can wait for another time.

Banana muffins with red and white cases in the tray on a lemon print drying mat

I didn’t really use a recipe or fixed portions, but they have 3 bananas, 1.5 cups of sifted SR flour, some melted butter, 2 eggs, some brown sugar, cinnamon and some vanilla essence. Cooked for 20 mins @ 160 Fan forced.

Petrol bowser

Still going three times a week to support mum at the rehab hospital. Brought Maxi in again on the weekend to cheer people up, which is seemed to do. Petrol is crazy, isn’t it? Saw the first 91 for 264.9 today on the app! Just waiting for the diesel to tick over $3, have also seen a few stations around with only one kind of petrol left on sale and all the other numbers blacked out.

Last Thursday I was anxiously watching the petrol prices go up in Morisset as I was preparing to take my stepson to his Employment Plus appointment – that they cancelled just before we were about to leave.

πŸ’œ phonakins πŸ‰πŸŒ² (@phonakins.com) 2026-03-23T20:21:59.993Z

 

When all you have is a hammer…

the unemployment will continue until morale improves

Antipoverty Centre (@antipovertycentre.org) 2026-03-17T03:52:52.112Z

Obviously not an economist, but I can’t see how pushing up the amount people with home loans have to allocate to that, while petrol is also up, isn’t just gonna lead to a severe drop in spending. Food prices and prices on other goods are also still going to keep going up due to increased transport costs, and everyone’s going to suffer. And I feel like that’s gonna lead to recession in the precious little economy? But again, not an economist, just someone surviving the cost of living crisis with a hotch potch of strategies.

AbstractThis report examines how Australia's care infrastructures, encompassing welfare, housing, food, and community support systems, are fraying and increasingly failing to meet the basic needs of those on low- or no- income. Drawing on in-depth interviews with people reliant on JobSeeker and the Disability Support Pension as well as people seeking asylum without access to income support in Central Western Sydney, the report documents the labour-intensive and precarious work required to piece together fragmented supports amid a worsenining cost-of-living crisis. It also includes the perspectives of frontline support workers and reveals how inadequate income support, unaffordable housing, and overstretched community services compound hardship and erode wellbeing, leaving individuals and organisations "holding on by a thread." Yet, the findings also highlight the creativity and mutual care that sustain life in these conditions, but that sometimes put people at risk. The report concludes that meaningful reform requires raising income support to a liveable rate, addressing housing affordability and supply, and properly resourcing community organisations to shift from crisis management to supporting people to live flourishing lives.
Surviving in a Cost-of-Living Crisis: Australia’s Fraying Care Infrastructures

It was a 5-4 decision apparently.

Free breads and stuff from the foodbank
Free carbs from the food bank

My main cost of living strategy is living off free hot cross buns of varying flavours. Good thing I’m not diabetic, only fat. Apparently the free quiches I have stashed in the freezer were also good, and I used the Latina pasta I had in there for a good few months finally last night and it went down well too.

So, the RBA is choosing to add more people to the unemployment queue. Pawns in their little game of economics. Pawns that will suffer, but whether that continues to be quietly since they’re too busy surviving, remains to be seen.

“Indexation” day this Friday, I’ll be seeing $20.50 “extra” go into my account on pension days from later next month, but it won’t stay there long. Watched the Margaritaville ep of South Park again last night from 2009, and it’s feeling like it’s going to be relevant again soon.