PRS Support


Maximising NDIS Funding Benefits: An Essential Guide

Navigating the NDIS can open doors to crucial services and support, enhancing your daily life and independence. But to truly benefit from NDIS funding, you need to know how to use it wisely. This is where a skilled NDIS plan manager can be invaluable. While PRS Support doesn’t handle NDIS plan management directly, we know the industry.

Having supported participants for over ten years across the Sydney, Greater Sydney region, NSW Central Coast all the way down the South Coast to Wollongong, we can connect you with top plan managers who align with our values and standards. That means they will listen carefully to your needs and help create an optimal plan to help ensure you get the most out of your funding.

This guide will help simplify the NDIS process overall, share industry insights, and equip you with the tools to advocate effectively. Whether you’re new to the NDIS or a seasoned participant, our tips will help you maximise your funding and achieve your goals. Let’s dive in!

Table of Contents

Understanding NDIS Funding and Its Components

Australians with disabilities have a strong ally in the NDIS, providing essential financial support for improved daily living and independence. Navigating NDIS funding can be complex, especially for newcomers. Let’s break down the three main components of NDIS funding: Core Supports Budget, Capacity Building Budget, and Capital Supports Budget.

Core Supports Budget Flexibility

Your Core Support Budget is your flexible friend, covering daily essentials. Whether it’s transportation, community involvement, or daily necessities, this budget adapts to your needs, offering control over how you allocate funds across various categories.

  • Transportation: This might include funding for taxis, ride-sharing services, or public transport, ensuring you can get to medical appointments, work, or social engagements without hassle.
  • Community Involvement: Funds can be used for community activities like attending local events, joining clubs, or participating in community classes, helping you stay engaged and connected.
  • Daily Necessities: This could cover in-home support for daily tasks such as meal preparation, cleaning, or personal care, providing the assistance needed to maintain a comfortable and independent lifestyle.

This flexibility allows you to respond to changing circumstances, making sure your support aligns perfectly with your lifestyle.

Capacity Building for Empowerment

The Capacity Building Budget is your personal cheerleader, supporting independence and skill development. It covers a wide range of services, including support coordination, social participation, job assistance, relationship building, health, education, and life choices, empowering you to achieve your goals.

  • Support Coordination: This service helps you understand and use your NDIS plan effectively, connecting you with providers and ensuring you get the most out of your funded supports. For example, a support coordinator can assist you in finding the best local therapy services or organising transport to community activities. Speak to us today about how one of our highly experienced Support Coordinators can help you obtain the therapeutic support and services you need, while helping to safeguard your future funding through accurate and careful reporting.
  • Social Participation: This aspect focuses on improving your ability to engage in community, social, and recreational activities. For instance, funding can be used for joining a local sports club or participating in a community art class, helping you build relationships and social networks.
  • Job Assistance: The budget can be utilised for employment-related support, such as job coaching, resume building workshops, or vocational training. This empowers participants to gain meaningful employment, enhancing their financial independence and self-esteem.
  • Relationship Building: Services under this category include counselling and support to help you develop and maintain healthy relationships with family, friends, and peers. It can involve workshops on communication skills or peer support groups that offer shared experiences and advice.
  • Health and Well-being: This covers services aimed at improving your physical and mental health, such as personal training sessions, dietitian consultations, or mental health support. For example, you could use your funding to participate in a tailored fitness program that addresses your specific health needs.
  • Education and Lifelong Learning: The Capacity Building Budget can support further education and skill development, funding courses, and training programs. Whether you want to take a course in computer skills, enrol in a vocational training program, or attend a workshop on budgeting and financial management, this funding helps you pursue educational opportunities that align with your goals.
  • Life Choices: This includes support for daily living activities that enhance your independence. For instance, you could use the funding for life skills coaching, which might teach you how to manage your household, cook nutritious meals, or use public transport confidently.

By focusing on capacity building, you can unlock new opportunities and enhance your ability to lead a fulfilling life, with support tailored to your aspirations.

Capital Supports for Essential Needs

The Capital Supports Budget funds higher-cost assistive technology and modifications, like wheelchairs and home adjustments, essential for independence and daily participation.

  • Assistive Technology: This includes items like mobility aids, hearing aids, and communication devices that help you perform daily activities more easily and independently.
  • Home Modifications: This might involve installing ramps, modifying bathrooms, or widening doorways to make your home more accessible and safer.
  • Vehicle Modifications: Funding can also be used to modify a vehicle to accommodate your specific needs, such as installing hand controls or wheelchair lifts.

Though less flexible, it’s crucial for securing necessary equipment and modifications that enhance your quality of life and support your specific needs.

Maximising Your NDIS Plan

Think of your NDIS plan as a GPS guiding you towards your goals. To maximise it, you need to follow its directions and take proactive steps. Having navigated the NDIS myself, I’ve learned effective strategies to make your funding work harder for you. Regularly reviewing your plan and adjusting it as your needs evolve is key to staying on track and making the most of your resources.

  • Regular Reviews: Schedule regular check-ins with your support coordinator to review your progress and make necessary adjustments to your plan.
  • Documenting Changes: Keep a detailed record of any changes in your circumstances or needs, as this information will be crucial during plan reviews.
  • Advocating for Adjustments: Don’t hesitate to speak up if your current plan isn’t meeting your needs. Advocate for adjustments to ensure your plan remains relevant and effective.

Setting Personal Goals with Your Plan

Align your NDIS plan with your personal goals. Reflect on what you want to achieve, whether it’s finding a job, moving out, or learning a new skill. Ensure your plan supports these aspirations and don’t hesitate to advocate for the services you need. Your plan should be a dynamic tool that grows with you, adapting to your changing needs and ambitions.

  • Goal Setting: Identify short-term and long-term goals and work with your support team to outline steps to achieve them.
  • Tracking Progress: Regularly monitor your progress towards your goals and make adjustments as needed to stay on track.

Seeking Expert Guidance

Getting the most out of your NDIS plan often requires professional insight. Consult with NDIS planners, experienced support coordinators, or reputable plan managers. They can help you understand your plan’s potential, tailor it to your needs, and ensure you’re accessing all available supports. Preparing questions or a checklist before your meetings can make these discussions more productive and focused.

Practical Tips:

  • Prepare in Advance: List your goals and needs before meetings.
  • Ask Questions: Ensure you understand each part of your plan.
  • Stay Informed: Keep up-to-date with NDIS updates and changes.


Maximising NDIS funding is about being informed and strategic. Know your rights, understand the system, and advocate for your needs. This guide covers everything from NDIS basics to money-saving tips. Remember, it’s your journey, and you’re in control. With this knowledge and determination, you can make the NDIS work for you. Dream big, plan smart, and pursue the life you want with confidence. We’re here cheering you on every step of the way!

Key Takeaways:
  • Understand Funding: Break it down into Core Supports, Capacity Building, and Capital Supports.
  • Set Clear Goals: Align your plan with your personal aspirations.
  • Seek Help: Consult experts to optimise your plan.

Ready to maximise your NDIS funding and achieve your goals? Contact PRS Support Services today to discover how our expert support coordinators can help you navigate the NDIS, connect with expert and innovative Allied Therapists and service providers, create a tailored support plan that empowers you to live your best life. Let’s make your NDIS journey smooth and successful together!

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