Centrelink and Aged Care Services in Oakleigh

Looking for Centrelink and Aged Care Services in Oakleigh?

Look no further than Mint Financial Solutions. We offer straightforward accounting, taxation, and bookkeeping services that will you make smart decisions with your money. We are experts in our field, and take the time to understand your needs, constraints, and values so you can achieve financial security.

  • Engaging with Centrelink on your behalf

  • Reviewing your entitlements

  • Planning Aged Care Transitions

  • Minimising Costs

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Centrelink Support From Your Financial Advisor

It's critical to understand that the government may be able to assist you with your finances in retirement. Every dollar you receive from the Age Pension or any government benefit is a dollar you don't have to come up with on your own. The possibilities are worth studying.

Retirement Income Assistance

Increasing your retirement income with the Age Pension or another government benefit or allowance will help your savings last longer. However, it is critical to grasp the laws governing such advantages. Mint Financial Solutions will guide you through the detail and support you through the decision making process.

Reviewing Your Entitlements

Your Mint Financial advisor can evaluate your situation as well as your present Centrelink entitlements to check that you are getting all of the rights and benefits from the government to which you are entitled.

Deal With Centrelink on Your Behalf

You have the option of appointing your financial advisor to deal with Centrelink on your behalf. This means that your financial advisor can deal directly with Centrelink on your behalf and handle any complaints or administrative issues.

If someone is assisting you with your care, they may be eligible for a Centrelink Carer Allowance or Carer Payment. Your financial advisor can assist you in determining their eligibility.


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Aged Care Support

When you are considering placing yourself or a loved one into residential aged care, it may be a complicated and emotional time. However, as is the case with many of life's major decisions, the best course of action is to arm yourself with the facts and seek help from professionals.

Mint Financial Solutions can assist you to:

  • Minimise costs
  • Maximise social security benefits
  • Choose suitable investments
  • Plan for this distribution of your estate

Mapping Your Move

2. Research aged care facilities

3. Work out the financials: The big financial issues for aged care are the facility’s accommodation and the means tested care fee, as well as managing cash flow. Getting it right so you maximise entitlements and minimise fees can be complicated.

4. Manage ongoing financial issues and obligations: Once in aged care, there are ongoing obligations that need to be considered, whilst also keeping up-to-date with government changes relating to Centrelink or the Department of Veterans Affairs.

Aged Care Financial Services

For the purpose of modelling each individual's financial strategy, our Aged Care Financial Services make use of their extensive expertise as well as their first-hand experience working within the aged care system. To ensure that you come out on top is our number one priority. Our specialised advisors assist clients in maximising their pension entitlements and minimising their out-of-pocket costs for elderly care. In order to provide you with both peace of mind and professional support at every step of the way, we work to structure finances in such a way that the costs of elderly care are both affordable right now and sustainable into the future.

Aged care assessment

An Aged Care Assessment Team must first check you out before the government will pay for your care in a facility (ACAT). The assessment will also tell you if you can get a break or a package of home care.

Accommodation payment

The costs that aged care facilities charge for different types of rooms are decided by them. The facility must publicise those pricing and show the payment alternatives, along with a description of the essential features of each particular room type. Residents can pay for their housing in one of three ways: a flat sum called a Refundable Accommodation Deposit (RAD), a monthly payment called a Daily Accommodation Payment (DAP), or a combination of the two.

Daily care fee

A fee paid by all residents and represents 85% of the full single age pension.

Means tested care fee

This means-tested fee captures both income and assets. For new residents, both their income and assets are used to determine a ‘relevant means-tested amount’. An annual cap of $25,000 (indexed) applies to the means-tested care fee to protect residents with higher than average care fees. A lifetime cap of $60,000 (indexed) protects all residents who receive care for a longer than average period of time.

Fees for extra or additional optional services

Additional fees may apply if you choose a higher standard of accommodation or additional services. These vary from home to home. Your aged care provider can give you details of these services, such as hairdressing and Foxtel, and the fees that appl

Understanding Aged Care Terms How can Mint Financial Help You?

We'll Make It Easy For You

Care for the elderly is a significant issue, and securing the appropriate care is something for which we should all make plans in advance. These days, the majority of people desire to extend their time spent at home for as long as they possibly can.

However, once you reach the point where you can no longer take care of yourself at home, you will need to seriously consider moving into a facility that specialises in senior care. Getting a reservation can take anything from a few days to a few months, depending on how popular the event is.

Your eligibility for residential care for the elderly will be determined by the Aged Care Assessment Team, also known as ACAT. The precise amount of the cost is determined by the scope of the service, the provider, and your capacity for financial obligation.

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See what our clients say about our Financial, Accounting & Lending services

Nash Nwz
Nash Nwz
09:31 20 May 22
Hishan and team were great to deal with. They provided us with a thorough review of our options and got us the best deal for our situation making the whole process simple and easy. I highly recommend their services.
Anne Gartshore
Anne Gartshore
01:08 25 Mar 22
We have been dealing with Hishan and his team for over a year now with our superannuation and planning advice. Very happy with the path that they recommended to us and the performance in the past year, especially during such a trying time globally. Would not hesitate to recommend.
Babak Bozorgy
Babak Bozorgy
21:09 12 Oct 21
Professional service, friendly and quick to respond. Highly recommended!Thanks guys, keep up the good work!
Tom Sharp
Tom Sharp
05:06 07 Oct 21
A million thanks to Mint Financial Solutions in resolving the issues withCentrelink having cancelled the Age Pension Payment and Benefits for over 15+ weeks, actually last payment was early June. Next Payment received 4th October due to the professionalism at Mint Financial Solutions. Thanks to the Team at MFS from Rhonda & Tom Sharp : it good to know that MFS know how to do it better than any.
Mike oppedisano
Mike oppedisano
07:07 21 Aug 21
We have been clients of Mint Financial Solutions for the last twelve months; The team is very professional and friendly in their approach to us the customer, with lots of knowledge and experience. They helped us make an informed decision with our investment. At that time, we were not sure what we were going to do with our money.The plan laid out by Hishan and his team clearly set goals and rewards. These have been proven and very beneficial over the last twelve months. The growth was even more than what was predicted.We are especially happy with Hishan, Marlon and the rest of the Mint Financial Solutions team and very grateful for their help. More people should be made aware of the expertise and assistance they could provide.
Wolfgang Doehnert
Wolfgang Doehnert
03:51 18 Aug 21
In the 12 months this Company was engaged to continue as our financial advisors we have been extremely satisfied with their performance financially and in quality of service. Our unusual needs and fast response was met. The team and I say team because if someone is away there has always been another person to actively respond in a timely manner. Well done to the frontline staff and in particular, the back office staff, for their help and support during these COVID times.
Nishan Joseph
Nishan Joseph
01:16 22 Apr 21
I have been using the services of Mint Financial Solutions since its inception, and I am truly grateful and appreciative of the professionalism and care they take when recommending services to me, only providing what is reasonable and relevant to my situation and circumstances. A key stand out on the team is Crystal Nguyen who has been helping me over the last few years in order to get approved for a refinance application. Her patience, dedication and level of professionalism is beyond remarkable, I am extremely appreciative of the hard work she has put in for my case, despite many setbacks we finally got there in the end. Thank you very much Crystal.
Kaye Baynes
Kaye Baynes
07:38 10 Mar 21
Hishan and his team have always given the best service and advice always available and nothing is to much trouble .
Ramesh Navaratne
Ramesh Navaratne
22:55 27 Jan 20
I started a conversation with Marlon at Mint Financial services over 8 years back and since then he had assisted me in many insurance related and investment related transitions. The advice and the systems put in place by Marlon and the team came in handy when about two years back I had a health and financial issue in the family. Am I glad that he prepared me and gave me the correct advice at that time and if not for Marlon and the team I cannot imagine the sate of my family given commercial stability defines all other day to day problems that you need to deal with. Wish the team all the best and can recommend them highly of the professionalism and excellent service.
Sherone Algama
Sherone Algama
12:50 22 Jan 20
I have received invaluable financial advise and tailored solutions over the past two years from Marlon De Kauwe; and would like to commend on the professionalism & dedicated service i was provided with; which indeed was value for money.Thanks Marlon.Prasad Algama
Shabnam Bozorgi
Shabnam Bozorgi
21:29 09 Oct 19
I have been using their service for years now, their team have manages my tax and home loan, very professional and committed, I couldn't ask for more, always responsive, and can handle complicated cases very well.
Imran Wahid
Imran Wahid
05:57 20 Sep 19
The best place to get financial advice,I am really satisfied with services.I got all from tax return to super annaution and investment all in one office.
Saliya Gunawardena
Saliya Gunawardena
20:27 03 Apr 19
Hishan and the team at Mint Financial Solutions have been amazing to deal with. They helped me refinance and obtain a very competitive interest rate on my mortgages. I highly recommend Mint Financial Solutions, they are professional, committed and can get you the right outcome you seek!
Brent Germain
Brent Germain
05:19 02 Apr 19
Hishan and The Team at Mint Financial Solutions have been brilliant, helping me every step of the way (and keeping me in the loop) in obtaining a homeloan to build my dream home. Very happy with the high level of service and professionalism shown!
Nigel Sewera
Nigel Sewera
03:43 26 Mar 19
Hishan and his team have given me great guidance and honest advice with all Financial matters, most recently with all the help and support they provided with my mortgage.Mint Financial Solutions are always extremely professional and reliable and provide great customer service. I highly recommend them
neela unadkat
neela unadkat
08:18 25 Mar 19
I am a retired banking officer and I have found Hishan Naufal and his team to be extremely efficient prompt and thorough. Very useful and grateful to him and all his team for all the guidance and advise we have been given . They are very upfront and fair with their advise . My whole family seek his expertise and I have recommended Hishan and his company to many of my friends and colleagues who have been grateful for recommending him.Well done Mint financial Solutions keep up the good work 👏😊
Steve P
Steve P
23:42 31 Jan 19
I have had the pleasure of engaging Patrick to assist me in a number of complicated financial matters. He is punctual, efficient and above all else provides excellent service, which has helped me secure my financial future and saved me stress and from a financial standpoint. Give him a call as he is great value.
Avelyn Miranda
Avelyn Miranda
05:18 17 Aug 18
Hishan and his team were excellent from start to finish with my recent property purchase. Mint Financial Solutions have been my financial planners for the last 4 years and I highly recommend them for service and cost.
Don Australia
Don Australia
00:24 06 Jul 18
Thank you Hishan for your never ending support the past 2 yrs. Very talented team and extremely fair rates. These guys are definately the go to for any brokering or mortgage needs.
Amal S.Z.
Amal S.Z.
02:32 05 Jul 18
One of the most trust worthy and competent financial adviser I have ever come across. Can always trust Hishan and his team to give sound and honest guidance in all financial matters. Thank you!
Three13 Group
Three13 Group
02:22 05 Jul 18
Thanks Hishan for assisting us with the restructure and land settlement. Good to have a great business partner to count on when the time calls for it.
Ali Kazemi
Ali Kazemi
02:20 05 Jul 18
Hishan and his finance brokerage team have helped me get a mortgage for a property most thought would be too complex to do (using different legal structures). Competent and highly responsive team!
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Mint Financial Solutions FAQ

How to Reduce Assets for Aged Care?
  1. Paying a higher refundable accommodation deposit.
  2. Purchasing a funeral bond.
  3. Gifting to family members as long as it is within Centrelink exemption rules. ...
  4. Making sure that home contents are valued at fire sale value and not replacement value.
  5. Purchase a specialised annuity.
Is the family home included in the assets test for aged care?
Aged care. Unlike social security, for aged care purposes, the family home is generally counted as an asset, unless specific criteria are met for exempting the home (these criteria are discussed below).
Who is eligible for aged care Australia?
You may be eligible for government-funded aged care services if you: are 65 years of age or older (50 years or older if you identify as an Aboriginal or Torres Strait Islander person) need help to do the things you used to do.
What is the asset threshold for aged care?
If you have income above $73,193.12 or assets above $178,839.20, you will need to pay for the full cost of your accommodation, negotiated and agreed to with the aged care home. (You may still need to pay the full cost of your accommodation if your assets and/or income are less than these amounts.
What happens to your pension when you move into aged care?
Most people keep getting the same amount of pension after they move into an aged-care home. Your mother can ask for her pension to go straight to her aged-care provider. This means Centrelink will pay the pension to her residential aged-care home instead of her

We'll Secure Your Future Without Sacrificing Your Present By Helping You Plan & Achieve Your Financial Goals

Strategic financial planners that understand what is important to you, and guide getting you to where you want to be. Paying off debt, buying a house, starting a family? or a dream retirement? We can help get you there. Book your free appointment!

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