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The National Disability Insurance Scheme (NDIS) is the Australian Government scheme that funds reasonable and necessary supports for people with permanent, significant disability. Each participant gets an individual plan with funding split across support categories based on their goals, and chooses which providers deliver those supports. Funding can cover things like personal care, therapy, assistive technology, and help to take part in the community, work or study.

To access the NDIS you generally need to be under 65 when you apply, live in Australia as an Australian citizen, permanent resident, or Protected Special Category Visa holder, and have a permanent disability that significantly affects your everyday life. Younger children may also qualify under early intervention requirements if early support is likely to reduce future needs. Eligibility is assessed individually using evidence from your treating professionals.

You apply by submitting an Access Request to the NDIA online, by phone, or with help from your doctor or health professional. You’ll need evidence of your disability or developmental delay, such as reports from treating doctors, specialists or allied health professionals, showing your condition is permanent and affects your daily life. Once approved, you’ll be invited to a planning meeting to build your first NDIS plan.

NDIS plans are generally split into three budget types: core supports for everyday activities like personal care and transport; capacity building supports that help you build skills and independence, such as therapy or employment support; and capital supports for larger items like assistive technology or home modifications. Funding always needs to link back to your plan goals and be considered reasonable and necessary.

These are the three ways your NDIS funding can be administered. Self-managed means you or your nominee pay providers directly, giving you the most flexibility, including access to unregistered providers. Plan-managed means a registered plan manager handles payments and paperwork for you, at no extra cost, while you still choose from registered and unregistered providers. NDIA-managed means the NDIA pays providers directly, but you’re generally limited to registered providers. You can mix these approaches across different parts of your plan.

A registered NDIS provider has been audited against the NDIS Practice Standards and approved by the NDIS Quality and Safeguards Commission, meeting set requirements for quality and safety. Unregistered providers aren’t audited to the same standard but can still deliver excellent support. If your funding is NDIA-managed, you’re required to use registered providers for most supports, so it’s worth checking a provider’s registration status against how your plan is managed.

Look for a provider whose experience matches your specific supports and goals, whether that’s daily living assistance, allied health or community access. It’s reasonable to ask about qualifications, availability, how they handle cancellations, and how they’ll communicate with you and your family. Reading reviews, asking for references, and having an initial conversation before committing can help you gauge whether their approach is the right fit for you.

Support coordination is NDIS-funded assistance to help you understand your plan, connect with providers, and get the most out of your funding. It’s especially useful if you’re new to the NDIS, managing a complex plan, or juggling supports from multiple providers. Not every plan includes funding for support coordination, so it’s worth raising with your planner if you feel you’d benefit from extra help putting your plan into action.

Most NDIS plans are reviewed periodically, generally every 12 to 24 months, though this varies and can now happen through lighter-touch check-ins rather than a full reassessment. You can request an earlier review if your support needs change significantly or your current funding isn’t meeting your goals. Keeping notes on how your supports are working makes plan reviews more straightforward.

Yes. Choice and control over your supports is a core principle of the NDIS, and you’re free to change providers whenever a service isn’t meeting your needs. If you’re plan-managed or self-managed, switching is usually a matter of ending the service agreement with your current provider and starting with a new one. If you’re NDIA-managed, it’s worth confirming the new provider’s registration status first.