The National Disability Insurance Scheme (NDIS) is designed to empower Australians with disability by providing funding for supports that improve independence, social participation, and overall quality of life. However, navigating what is and isn’t covered by the NDIS can be confusing for participants and their families. This guide outlines the types of supports the NDIS typically funds—and those it doesn’t—helping you to make informed choices that align with your plan and goals.

 What Types of Supports Are Funded? 

NDIS funding is tailored to individual needs and goals, focusing on what is “reasonable and necessary.” Generally, the supports must relate to a person’s disability, help them pursue their goals, and represent value for money. Approved supports typically fall into the following categories: 

1. Core Supports 

These are essential, day-to-day items and services that help participants complete daily living activities. Core supports may include:

• Assistance with personal care (e.g. showering, dressing)
• Consumables (e.g. continence aids)
• Transport to enable participation in community, work or education
• Support workers to assist with activities like shopping, social outings, or cleaning

 

2. Capital Supports 

Capital funding covers higher-cost items such as assistive technology or modifications to the home or vehicle. Examples include:

• Wheelchairs, hearing aids or mobility scooters
• Communication devices
• Home modifications like ramps, accessible bathrooms or handrails
   

3. Capacity Building Supports 

This category is focused on developing skills and independence. It includes supports that:

• Help participants manage their NDIS plan and budgets
• Provide therapy (e.g. physiotherapy, occupational therapy, speech therapy)
• Fund social skills development or employment-related training
• Support improved health and wellbeing through exercise physiology or dietetics 
  
  

What’s Not Funded by the NDIS? 

The NDIS does not cover everyday living costs that are not related to a participant’s disability. These exclusions include:

• Rent, groceries and utility bills
• Medical services already funded by Medicare
• Items or services considered unsafe or not value-for-money
• Supports that are the responsibility of other government systems (e.g. education or justice) 

Understanding these distinctions helps avoid disappointment when reviewing or applying for plan inclusions. 

Working With a Trusted Provider 

Navigating the NDIS is far easier with expert support. Organisations like ADEC (Action on Disability within Ethnic Communities) are experienced in supporting people from diverse cultural backgrounds to access the NDIS and make the most of their plans. From understanding your eligibility to helping you manage and implement your supports, ADEC provides personalised assistance that makes the process less daunting and more effective. 

The NDIS is a powerful tool for empowering people with disability—but getting the most out of your plan depends on understanding what you can (and can’t) use your funding for. By focusing on supports that are related to your disability and directly tied to your goals, you can unlock greater independence, inclusion and choice in your daily life. Don’t hesitate to seek support from experienced providers to ensure your journey is smooth and your plan works for you.