How the NDIS Works in Simple Terms (2025 Update)
Introduction
The NDIS can feel like a maze — forms, funding, eligibility rules, and lots of new words. If you’re a participant, a parent, or a carer, you might be wondering: “Where do I even start?”
The good news? It doesn’t have to be complicated. In this guide, we’ll explain how the NDIS works in simple terms — and show you how it can support you or your loved one to live more independently.
At love and hope with no steps, we walk alongside people every day to make the NDIS less stressful and more empowering.
What is the NDIS?
The National Disability Insurance Scheme (NDIS) is a program funded by the Australian Federal Government.
The aim is simple: to give you the support you need to achieve your goals and improve your quality of life.
Think of the NDIS as a personal toolbox. You receive funding, and then you choose the supports, services, and equipment that go into your toolbox.
Who is Eligible for the NDIS?
You may be eligible if you:
- Are under 65 years old.
- Live in Australia.
- Are an Australian citizen, permanent resident, or Protected Special Category Visa holder.
- Have a disability that is permanent and significantly affects your daily life.
For children aged 0–6 years, the NDIS has an early childhood approach that provides tailored supports without the same strict eligibility process.
Quick Checklist:
- Under 65
- Live in Australia
- Australian residency status
- Permanent and significant disability
If you tick all four, you’re likely to qualify.
What Supports Does the NDIS Cover?
The NDIS funds different types of supports, grouped into three categories:
- Core Supports – everyday help
- Personal care (showering, dressing)
- Transport
- Consumables (continence products, meal prep help)
- Capacity Building Supports – growing skills and independence
- Support coordination
- Social and community participation
- Therapy (speech, OT, psychology)
- Skill development (e.g., cooking, budgeting, digital literacy)
- Capital Supports – equipment and home improvements
- Assistive technology (wheelchairs, communication devices)
- Home modifications (ramps, bathroom changes)
At love and hope with no steps, we focus on community participation, personal care, skill building, and support coordination — the areas that help people live independently and feel connected.
How to Apply for the NDIS
Applying doesn’t have to be daunting. Here’s the step-by-step process:
- Check your eligibility (use the checklist above).
- Apply by calling the NDIA (1800 800 110) or downloading the access form.
- Gather evidence from doctors, therapists, or support workers.
- Planning meeting – you’ll sit down with an NDIA planner or Local Area Coordinator (LAC) to talk about your goals and needs.
- Get your plan – once approved, your NDIS plan will outline your funding.
Tip: Bring someone you trust (family, friend, or support worker) to your planning meeting so you don’t feel alone.
How to Use Your NDIS Plan
Once you have your plan, you get to choose how the funding is spent (within the categories).
- You can choose registered providers (like us) or unregistered providers.
- You can change providers anytime if you’re not happy.
- You decide how to manage your plan — NDIA-managed, plan-managed, or self-managed.
💡 Imagine your NDIS plan like a shopping budget. You don’t get cash in hand, but you can “spend” your budget on the supports that matter most to you.
Common Myths About the NDIS
“The NDIS gives people cash directly.” ❌ False. The NDIS pays providers or reimburses supports, not cash.
“It’s only for physical disabilities.” ❌ False. It also covers autism, psychosocial disability, intellectual disability, and more.
“Once you get a plan, it never changes.” ❌ False. Plans are reviewed regularly to make sure supports still fit your needs.
How Love and Hope With No Steps Can Help
We’re a registered NDIS provider in Sydney with a focus on:
- Community Participation – joining activities, outings, and social groups.
- Personal Care – respectful daily living support.
- Assistance with Daily Living Activities – help with personal routines, meals, household tasks, and day-to-day independence.
- Skill Development Programs – cooking, nutrition, budgeting, domestic tasks, and digital literacy
- Life Skills Programs – independence training,elf-care, and everyday problem-solving.
- Support Coordination – helping you connect with the right providers and services.
We’re proud of our multicultural team and our trauma-informed, participant-first approach.
📞 If you’d like help understanding or using your NDIS plan, contact us today. 0432690241
Conclusion
The NDIS can feel overwhelming at first, but once you break it down, it’s simply about giving you the right supports to live a better life.
You don’t have to do it alone. Our team at love and hope with no steps is here to walk with you every step of the way.
👉 Call us or send a message today to start your NDIS journey with confidence