Applying for NDIS funding can feel overwhelming, especially if you’re navigating the system for the first time.
But with the right information, preparation, and a few insider tips, the process can be much smoother.
This detailed guide explains exactly how to apply for NDIS funding, breaking it down into simple, actionable steps to help you access the support you or your loved one may need.
Whether you’re applying for yourself, a family member, or assisting someone as a carer, this step-by-step guide will walk you through the process and provide useful tips to help avoid common mistakes.
What is NDIS Funding?
The National Disability Insurance Scheme (NDIS) provides funding for Australians with a permanent and significant disability. This funding helps people access services, therapies, assistive technologies, and other support to improve their independence and quality of life.
The NDIS is designed to be person-centred, meaning the funding is tailored to each individual’s unique needs and goals.
Who Can Apply for NDIS Funding?
Before we dive into how to apply for NDIS funding, it’s essential to know if you’re eligible. You may qualify if:
- You are under 65 years of age when you apply
- You are an Australian citizen, a permanent resident, or hold a Protected Special Category Visa
- You have a permanent and significant disability that affects your ability to take part in everyday activities
If you’re unsure, you can complete the NDIS eligibility checklist on the official NDIS website.
How to Apply for NDIS Funding: Step-by-Step
As people age, their health needs naturally become more complex. Chronic conditions, mobility challenges, cognitive decline, and mental health concerns are just a few of the realities that aged care providers must manage. Allied Health professionals are uniquely positioned to address these issues with proactive, preventative, and rehabilitative care.
Step 1: Gather Your Supporting Evidence
Why it’s important: Strong supporting evidence is crucial to a successful application. The NDIS needs clear documentation showing how your disability affects your daily life.
What to include:
- Medical reports or assessments from your doctor, specialists, or therapists
- Functional assessments (e.g., occupational therapy, physiotherapy, psychology reports)
- Letters from healthcare professionals explaining the impact of your disability
- Any existing support plans or reports from schools, workplaces, or community organisations
Pro Tip: Ask your GP or specialist to use the NDIS ‘Evidence of Disability’ form. This document is designed specifically for NDIS applications and ensures you provide the right information.
Step 2: Lodge Your NDIS Access Request Form
You can start your application by submitting your NDIS Access Request Form through the following options:
Option 1: Call the NDIS on 1800 800 110
A representative will guide you through the process and can complete your Access Request over the phone.
Option 2: Complete the Access Request Form (ARF)
You can download the form from the NDIS website or get it from your Local Area Coordinator (LAC). Submit the completed form via email or post as instructed.
Option 3: Visit a Local Area Coordinator (LAC)
LACs are NDIS partners who can help you complete your application and guide you through the process.
Useful Tip: If you’re not confident with paperwork or communicating over the phone, booking an appointment with an LAC is highly recommended. They are there to assist you at no cost.
Step 3: Submit Supporting Documents
Once you’ve made your Access Request, submit all your supporting evidence as soon as possible. You can do this:
- By email (preferred for speed)
- By post
- In-person at an NDIS office or through an LAC
Pro Tip: Keep copies of everything you submit. Take clear photos or scans of all documents for your records.
Step 4: Await the Outcome
After submitting your application, the NDIS will assess it. You will be notified of the decision, typically within 21 days, although complex cases may take longer.
- If approved: You will be invited to attend a planning meeting to discuss your NDIS plan.
- If not approved: You will receive written reasons for the decision and instructions on how to request a review if you believe the outcome is incorrect.
Step 5: Attend Your NDIS Planning Meeting
The planning meeting is an essential part of securing the right funding. Here, you’ll talk about your goals, challenges, and the support you need.
Prepare by thinking about:
- Your short- and long-term goals (e.g., improved mobility, finding work, joining social groups)
- The support you currently receive and where there are gaps
- Services or equipment you feel would help you
Useful Tip: Write a list of your daily challenges beforehand. Be honest and specific. The more detail you provide, the better your plan will reflect your needs.
You can have a support person, advocate, or LAC attend the meeting with you.
Step 6: Receive Your NDIS Plan
Once your planning meeting is complete, the NDIS will develop and approve your personalised plan. This plan outlines:
- The types of support you’ll receive
- Funding amounts in different categories (e.g., Core Supports, Capacity-Building Supports, Capital Supports)
- How you can use the funding
You can choose to:
- Self-manage your plan (giving you control over how funds are spent)
- Use a Plan Manager to help with the financial administration
- Have the NDIA manage your plan (NDIS pays registered providers directly)
Pro Tip: Many participants find using a Plan Manager makes life easier, especially if you’re new to managing funds.
Common Mistakes to Avoid When Applying for NDIS Funding
Here are some pitfalls applicants often face and how to avoid them:
❌ Submitting incomplete or vague medical evidence
✅ Solution: Ensure reports clearly explain your disability, its permanence, and its daily impacts
❌ Not preparing for the planning meeting
✅ Solution: Write down your goals and challenges beforehand
❌ Assuming your eligibility without checking
✅ Solution: Use the NDIS eligibility checklist before applying
❌ Delaying the application because the process feels overwhelming
✅ Solution: Seek support from LACs, advocacy groups, or healthcare professionals to guide you
Tips and Tricks for a Smooth NDIS Application Process
- Start Early: Gathering medical evidence takes time. The earlier you start, the less stressful it will be.
- Get Help: Don’t try to do it all alone. Your GP, allied health professionals, LAC, or family/ friends can assist with the application.
- Be Thorough: Provide as much detail as possible about how your disability impacts your life. The NDIS needs specific examples to understand your situation.
- Use the NDIS Forms: The NDIS has specific templates for evidence. Encourage your healthcare providers to use these to avoid delays.
- Stay Organised: Keep copies of all forms, letters, and communications. If something gets lost, having backups prevents unnecessary delays.
- Ask Questions: The NDIS and LAC staff are there to help. If you’re confused, ask for clarification. It’s better to ask than guess.
- Follow-Up: If you haven’t heard back after 21 days, contact the NDIS for an update.
Need Help Applying for NDIS Funding?
Local Area Coordinators, Early Childhood Partners, disability advocacy groups, and your healthcare providers are all excellent resources to guide you through the NDIS process. When you’re just starting out however, it can be confusing to know who you should refer to and what help they can offer. That’s where we come in. At Care Decisions, we’re here to offer you clarity and help you take it step-by-step. Get in touch with us by clicking on the link below.
Answer a few quick questions here and we’ll help you work out the best next steps to get your NDIS application moving.