How the NDIS Works: A Plain-English Guide
How does the NDIS work? A calm, plain-English guide to funding, plans, providers and the 2026-27 reforms for participants, families and carers.
What the NDIS is (and what it isn't)
How does the NDIS work, step by step?
Who can access the NDIS?
How you apply (the Access Request)
What is an NDIS plan, and how is it funded?
How your plan is managed (who pays the providers)
Choosing and comparing providers
What's changing: the 2026-27 reforms explained calmly
The new planning framework and assessments
Foundational Supports and Thriving Kids
A real-life example: how it fits together
What to do next
Frequently asked questions
Is the NDIS means-tested — does my income affect my funding?
No. The NDIS is not means-tested. Your income, savings and assets do not affect whether you're eligible or how much funding you receive. Your plan is based on your disability-related support needs, not your financial situation.
Will the 2026-27 reforms cut my funding?
It depends on which supports you use. The participation reset (from 1 October 2026) reduces budget allocations for social, civic and community participation, but critical daily-living and personal-care supports are not part of that reset. Your current plan continues until it is reassessed or renewed. Dates have already shifted once, so confirm the current position with the NDIA.
What's the difference between the NDIA, a LAC and the NDIS Commission?
The NDIA is the agency that runs the Scheme and makes decisions about access and plans. A LAC (Local Area Coordinator) is a person from a partner organisation who helps you apply and use your plan. The NDIS Quality and Safeguards Commission is a separate body that regulates providers and handles complaints about quality and safety. A sibling guide covers who's who in more detail.
Can I choose my own providers, or does the NDIS assign them?
You choose. If you're self-managed or plan-managed you can use both registered and unregistered providers; if you're agency-managed you must use NDIS-registered providers. You can also change providers if a service isn't working for you, subject to any notice period in your service agreement.
What can I do if I disagree with an NDIS decision?
You can ask the NDIA for an internal review, and if you're still unhappy you can appeal to the Administrative Review Tribunal (ART). Extra appeals-advocacy funding was provided in 2026-27 through Legal Aid, and an independent advocate or support coordinator can help you through the process.