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Impact of Income and Assets on NDIS Eligibility


Updated 04-01-2024

Impact of Income and Assets on NDIS Eligibility

The National Disability Insurance Scheme (NDIS) stands as a pioneer in offering support to Australians with significant and permanent disabilities, ensuring they have access to the necessary services and resources to live a life of empowerment and social inclusion. However, a cloud of questions looms over potential participants as to how their financial status — income and assets — could affect their eligibility and the level of support they receive from the NDIS. This article delves into the intricate relationship between one’s financial standing and their ability to access NDIS benefits, with a tailored focus on the Australian context.

Understanding the NDIS: A Brief Overview

Before we examine the financial aspect, it’s essential to understand the crux of the NDIS. Launched in 2013, the NDIS was established by the Australian Government to provide tailored support and services to individuals with disabilities. Fundamentally, the scheme is designed to be inclusive, offering necessary supports irrespective of when a person acquired their disability.

NDIS Eligibility Criteria

Eligibility criteria for the NDIS are primarily based on the following factors:

  • Age: Applicants must be under 65 years of age.
  • Residency: Individuals need to be Australian citizens, permanent residents, or hold a Protected Special Category Visa.
  • Disability: The disability should be permanent and substantial, impacting daily activities and social participation.

Financial Assessments in the NDIS Framework

Contrary to common misconceptions, the impact of income and assets on NDIS eligibility is minimal. This is because the NDIS operates differently from other welfare and support systems that may have means-testing measures in place. The scheme's intention is to provide equal opportunities for individuals with disabilities, regardless of their financial situation.


When it comes to income, it is imperative to note that the NDIS does not consider personal income as a determinant for eligibility. This is a boon for those who may have variable income levels or are part of the workforce. The rationale behind this decision is to encourage NDIS participants to pursue employment opportunities without the fear of losing their support.


Similarly, the value of one’s assets also has no direct bearing on eligibility. A person’s property, investments, or savings do not restrict or dictate the nature of the support they are entitled to under the NDIS. This element of the scheme underlines its commitment to providing equitable support that focuses solely on the individual’s disability-related requirements.

Personal Contributions to NDIS Funded Supports

While income and assets don’t impact eligibility, there might be instances where participants are required to make a co-contribution to the cost of certain supports. Specifically, this relates to supports that are deemed reasonable to expect the individual or their family to fund partially, such as day-to-day living expenses not related to their disability support needs.

The Importance of a Sound Financial Plan

Even though income and assets do not influence eligibility, astute financial planning remains crucial for NDIS participants. Reason being, it can affect other intersecting areas, such as plan management and the ability to cover costs not associated with the NDIS. Enlisting the expertise of a financial planner experienced in NDIS intricacies can significantly aid participants in managing their funds and investments effectively to complement their NDIS supports.


The ethos of the NDIS is founded on equity, inclusion, and the acknowledgement that disability should not be a barrier to leading a fulfilling life. Consequently, the scheme ensures that individual income and assets remain irrelevant to accessing disability support. This financial neutrality fosters an environment where participants are judged solely on their support needs, paving the way for a more inclusive Australian society.

To sum up, the NDIS is a financial lifeline, devoid of the typical constraints seen in financial means-testing. For Australians living with a disability, this represents a promise of support untethered by their financial standing, enabling them to focus on achieving their goals and living an empowered life.

About the Author

Alex is an esteemed expert in assistive technology and disability support services, he holds a unique blend of professional expertise and personal dedication to enhancing the lives of individuals with disabilities. With over a decade of experience in research and development, Alex has been at the forefront of integrating cutting-edge assistive technologies into practical support solutions. Renowned for his empathetic approach and strong advocacy for disability rights, Alex’s work extends beyond academic research to hands-on involvement in community initiatives and policy advisory roles. A prolific writer, his articles are widely acclaimed for their insightful analysis, clear communication, and commitment to ethical considerations in technology use.

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