Mainstream vs NDIS vs Foundational Supports: Who Pays for What?
NDIS vs Foundational Supports explained plainly: what each system covers, how they differ, and what the reforms mean for participants and families.
The three systems at a glance
What 'mainstream' supports means
What the NDIS funds
What are Foundational Supports?
NDIS vs Foundational Supports: the key differences
Why this matters now: the reforms
Thriving Kids and children's supports
Which system should cover a given need? A scenario
What to do if you're worried about losing NDIS access
Common pitfalls to avoid
Where to get help and find providers
Frequently asked questions
Is the NDIS being replaced by Foundational Supports?
No. The NDIS continues for people with significant, ongoing disability. Foundational Supports are a separate, additional layer sitting outside the NDIS, aimed at people who don't qualify or who lose access, and at children through Thriving Kids. They are meant to work alongside the NDIS, not replace it. Confirm how the two apply to you with the NDIA.
Will I lose my personal-care supports in the reforms?
Critical daily-living and personal-care supports, like help with showering, dressing and eating, are not part of the participation budget reset. The changes from 1 October 2026 focus on social, civic and community participation allocations. That said, no one can promise an individual outcome, so ask the NDIA how the changes apply to your specific plan.
How do I access Foundational Supports?
This is still being designed. Unlike the NDIS, Foundational Supports are not expected to need an individual plan or eligibility test. They are meant to be more broadly available, but the actual services and how to reach them vary by state and territory and are being rolled out over time. Check current availability with the NDIA or your state or territory disability office.
What if my child is on the NDIS now?
Children under 18 are not part of the first stage of the new support-needs assessment, and a large investment through Thriving Kids is aimed at children's supports outside the NDIS. Your child's current supports do not stop immediately. Ask the NDIA at your next planning conversation how the transition to Foundational Supports is expected to work in your area.
What can I do if my funding is cut and I disagree?
You can request a review of the decision. Extra appeals-advocacy funding is available in 2026-27 through Legal Aid and NDIS appeals for matters going to the Administrative Review Tribunal. An independent disability advocate can help you prepare and speak up, and up-to-date evidence from your treating professionals strengthens your case.