If you are an NDIS participant and you have reached the end of your plan period with unused funding, you are not alone.
According to recent data from the National Disability Insurance Scheme (NDIS), the average funding utilisation rate is only 76%. That means nearly one-quarter of NDIS budgets across Australia go unspent each year. So, what happens to your unused NDIS funding? And more importantly, how can you avoid losing it in future plans?
At SAN Support, we are here to guide you through everything you need to know from what happens to unspent funds to how you can maximise your NDIS plan.
What Happens to Unused NDIS Funds?
Let’s start with the most common question: Do unused NDIS funds carry over?
No unused funds do not roll over to your next plan. Once your plan period ends, any leftover money is returned to the National Disability Insurance Agency (NDIA). Whether your plan is for 12, 24, or 36 months, your funding must be used within that timeframe.
Before your next plan starts, you will go through a plan reassessment. This is your opportunity to review how your funding was used, what supports worked well and why some money might have gone unspent.
Why Do NDIS Participants Leave Funds Unused?
There are many reasons why you may end up with unspent NDIS funding. Understanding these factors can help you better manage your plan in the future.
Illness or Hospitalisation
Unexpected health issues can prevent you from accessing the services in your plan. This can lead to underuse, especially for therapy and community participation.
Lack of Access to NDIS Providers
If you live in a regional or remote area, it may be difficult to find suitable NDIS providers. Without access to local services, using your full budget becomes a challenge.
Family Emergencies or Natural Disasters
Events such as bushfires, floods, or family crises can affect your ability to follow your support routine and access services.
Confusion About What’s Covered
Many participants are unsure about what they can spend their funding on especially if they are self-managing. This uncertainty can lead to missed opportunities.
Fear of Using Funds Too Quickly
Some participants hold back their budget in case their needs change later. While planning ahead is smart, it can result in funding going unused if it is not spent by the end of the plan.
No Support Coordination or Plan Management
Without the help of a Support Coordinator or Plan Manager, it can be difficult to track spending and connect with available supports.
How to Track Your NDIS Budget
Keeping an eye on your NDIS budget is one of the best ways to avoid unspent funds. Here are three ways to stay in control:
- Ask your Plan Manager for monthly or quarterly reports if you are plan-managed.
- Work with a Support Coordinator or Local Area Coordinator (LAC) who can review your spending and help you plan ahead.
Tracking your budget throughout your plan period ensures you are always aware of how your funds are being used.
Tips to Maximise Your NDIS Funding
If you want to make the most of your NDIS plan, it is important to use your budget intentionally and in line with your goals. Here are several strategies that can help you fully utilise your funding:
Prioritise Your Core Supports
Core Supports are the most flexible part of your plan. You can use them across a wide range of services, including personal care, household tasks and community access.
Get Creative With Your Funding
Depending on your goals, you may be able to use your NDIS funding for things like:
- Driving lessons
- Group fitness classes
- Assistive technology
- Online therapy sessions
- Virtual community programs
Always check with your Plan Manager or Support Coordinator to ensure the service is reasonable and necessary.
Explore Online and Remote Services
If you cannot find a provider locally, try telehealth or virtual support services. Many providers now offer remote options to ensure everyone has access to support, no matter where they live.
Work With the Right Support Team
Support Coordinators and Plan Managers play an important role in helping you manage your funding and stay on track. They will help you understand your plan, connect with services and avoid last-minute spending.
Monitor Your Plan Regularly
Do not wait until your plan is nearly finished. Review your budget every few months to make sure you are on track to meet your goals and use your funding.
How SAN Support Helps You Make the Most of Your NDIS Plan
At SAN Support, we do not just provide NDIS services we help you maximise the value of your plan.
Our experienced team offers:
- Support Coordination to help you connect with providers and manage your plan effectively
- In-Home Support to assist with daily living
- Personal Care tailored to your needs
- Community Participation to help you stay active and engaged
- SDA (Specialist Disability Accommodation) for those needing long-term housing support
We work closely with you to ensure your supports align with your goals and your funding is used in the most meaningful way possible.
Final Thoughts: Do not Let Your NDIS Funds Go to Waste
Unused NDIS funding is common, but it does not have to happen to you. With the right tools, team and understanding of your plan, you can make sure every part of your budget supports your independence, wellbeing and personal goals. At SAN Support, we are here to walk with you every step of the way. If you are unsure how to use your current funding or want help planning for the future, reach out to our team today.