Trying to get an ageing parent into care can feel like trying to land a plane in a storm while also looking after kids in the back row. This is the reality for the “sandwich generation”: adults who are supporting ageing parents while raising their own children.

The pressure becomes intense when a parent has a sudden health crisis and decisions have to be made quickly. In that moment, adult children are pushed into an unfamiliar, complex and expensive aged care system, often with very little guidance.

Accessing care often means long wait lists, complex forms and significant out-of-pocket costs. And recent changes mean many older Australians will pay more for their aged care, whether delivered at home or in a residential facility.

For most people, the first step into formal care is support at home.

What does home-based care look like?

The Commonwealth Home Support Program provides basic help such as cleaning, meals and transport. It’s usually delivered by local councils or community organisations.

These services are heavily subsidised, but are rationed and prioritised for those with the greatest need, especially full- and part-pensioners.

Many families find that what is offered is helpful, but not enough.

As needs increase, people may be approved for a higher level of home support, now called a Support at Home. This is designed for people who need coordinated, ongoing help to stay at home,........

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