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09 May 2022

Diving into Individualised Living Options: Your questions answered.

We recently took a look at Individualised Living Options (ILO) and how the NDIS is funding packages to help people with a disability live in the home environment of their choice.

There’s a lot to unpack with this new approach and Leap in! plan managers have been answering a lot of questions.

So today, we’re answering some of the most frequently asked questions so you can determine if ILO are right for you. But first, a quick recap.


How do Individualised Living Options work?

ILO are packages of support that help you live in the home of your choice, on your own, with family, friends or a host. They don’t cover the cost of your rent or mortgage payments. They do cover the supports you need to live independently at home.

They’re a relatively new type of funding and an alternative to Supported Independent Living, which usually takes place in a shared living arrangement.

There are more choices with ILO and lots more flexibility. It can cover many different types of supports, including help deciding where to live, personal care, setting up and managing your home, support to manage your emotions or behaviour and assistance from unpaid family members, volunteers or neighbours.

For full details, check out our previous story ILO: get NDIS support to live your way.


Q. Who can get funding for Individualised Living Options?

A. ILO are designed for people on the NDIS aged 18 or over who:

  • Need help at home for at least six hours a day (formal or informal)
  • Are ready to explore options for home and living arrangements
  • Are prepared to invest time and effort in creating a future home
  • Have family or friends willing to assist.


Q. What types of situations do ILO support?

A. Individualised Living Options may be ideal for you if:

  • You’re considering moving out of home for the first time
  • You live in a home that is inappropriate for your needs, overcrowded, requires repairs or where the rent is unaffordable
  • You already live in a home that meets your needs but you want to explore other options
  • You are at risk due to your current living situation
  • You’re leaving care, child protection or a custodial setting
  • You plan to change your living arrangements in the next few years
  • You need help to create the right home living set up for your needs.

These are just some examples. You can be living in your own home, your parent’s home, with a friend or flatmate, in a rental or community housing.


Q. I’m a little confused about how Individualised Living Options funding. Can you explain the process and stages?

A. First talk to your LAC or planner about exploring your home and living options. You’ll need to complete a Home and Living Supports Request Form and request a review of your plan. The NDIS will assess the request and add Stage 1 ILO supports to your plan if you’re eligible. Stage 1 must be completed before the NDIS will fund Stage 2.

Stage 1 – Exploration and design.
Choose a support provider to help you design a living situation just for you. They’ll ask lots of questions, talk about your goals and perhaps chat to other people who may be able to assist, such as family members who provide care.

At the end of this process, your provider will create a “Service Proposal” that tells the NDIS how you want to live, who will support you (paid and unpaid) and how much paid supports will cost. The NDIS will then determine how much support you need.

Stage 2 – ILO supports.
This stage is all about putting your ILO package in place. ILO are connected with your goals, so changes may be required along the way. Funding is included for that too.[1]


Q. How much NDIS funding will I get for ILO

A. The amount of funding you receive depends on your individual needs and circumstances. The NDIS Operational Guidelines for Individualised Living Options provide detailed information on each stage. Below is a brief summary.

Stage 1

  • Up to $3,000 if you know what help you need, will live close to where you are now, the type of home you want is available and you can make your own decisions.
  • Up to $5,000 if you’re unsure what help you need, want to move to a different area, need help to find a home and are not sure who to involve.
  • Up to $10,000 if you need complex help, want to move to a different type of area, have many people involved in decision-making, and may have trouble finding somewhere affordable.

Stage 2

Funding is divided into three levels, with the amount depending on the primary, direct and supplementary supports required:

  • Level 1 up to $105,000 per year
  • Level 2 up to $150,000 per year
  • Level 3 up to $230,000 per year.

Check out the operational guideline for a more detailed explanation. The actual funding received depends on what’s reasonable and necessary for you.


Q. What are primary, direct and supplementary supports under Stage 2

A. ILO can include primary, direct and supplementary supports, as well as monitoring and adjustment.

Primary supports help you at home such as personal care, cooking, cleaning and getting ready for work. Your Service Proposal allocates an amount for each primary support.

Direct supports include physical assistance with personal care, prompting with household tasks, and managing emotions and behaviours.

Supplementary supports are flexible paid or unpaid supports that can be used as needed or for backup. This may include on-call arrangements, paid drop-in support, volunteers or a good neighbour.

Monitoring and adjustment covers setting up supports and checking in to ensure the ILO plan works for you.[2]


Q. Can I get both Supported Independent Living (SIL) funding and Individualised Living Options (ILO) funding from the NDIS?

A. No. The NDIS will only fund one or the other. Supported Independent Living cannot be included under ILO. According to the NDIS, “SIL is for people with higher support needs, who need some level of help at home all the time.”[3]

ILO are unlikely to be suitable for people who are under 18, need 24-hour rostered support, registered nursing care or frequent support overnight.


Q. I need help to change my living situation urgently. What should I do?

A. The ILO process can take some time. If you have urgent needs concerning your home situation, contact your LAC or the NDIS immediately.


Leap in! can help. 

Here at Leap in! HQ, we have a team of experienced plan managers who can help you . You can connect with the Leap in! Crew via email – crew@leapin.com.au, phone 1300 05 78 78 or visit our website and chat with us live.


[1] NDIS, Stage 2 ILO Supports, 6 April 2022.

[2] NDIS, Operational Guideline, Individualised Living Options, 25 March 2022, available on the NDIS website.

[3] NDIS, Supported Independent Living Operational Guideline, 2 December 2021.


Further reading

Individualised Living Options (ILO): Get NDIS support to live your way.

Changes to SIL and a new approach to NDIS home and living supports.

What is Supported Independent Living? Plus how to get your FREE SIL ebook.