Planning for When Parents Age
Future and succession planning for ageing parent-carers: housing options, building a person's own network, documenting routines, and getting wills right.
Every parent of a child with disability, at some point, thinks the quiet thought: what happens when we're no longer here, or no longer able? It can be frightening to sit with, which is why many families put it off. But planning early, calmly and together is one of the most loving things you can do. This guide breaks succession planning into manageable pieces so it feels less daunting.
Why start now, while things are steady
Thinking about housing
Building the person's own network
Documenting routines and knowledge
Wills, trusts and legal arrangements
Frequently asked questions
When should we start succession planning?
As early as you comfortably can, while everyone is well and there's no crisis. Early planning gives your son or daughter a real say in their own future and lets you make calm, considered choices about housing, support and legal arrangements rather than rushed ones under pressure.
What's the difference between SIL and SDA?
Supported Independent Living funds the support hours a person needs, often in a shared living arrangement. Specialist Disability Accommodation funds specialised or modified housing for people with very high needs. They are separate, not everyone is eligible, and a person may have one, both or…
How do we make sure our child isn't reliant on just us?
Deliberately widen their circle — siblings, extended family, friends, community groups and support workers who truly know them. Some families create a circle of support that meets regularly. Documenting routines and knowledge also means care can continue smoothly if you're no longer able to provide…
Will leaving an inheritance affect my child's supports or payments?
It can, depending on the amount and how it's structured, which is why families seek advice. Tools like a Special Disability Trust exist partly to help manage this. Speak with a solicitor and financial adviser experienced in disability so your planning doesn't create unintended effects.
Does the NDIS help with future planning?
Support coordinators and, for housing, specialist supports can help explore options, and Capacity Building funding can build skills and independence over time. The NDIS won't write your estate plan, though — legal and financial arrangements need qualified professional advice tailored to your family.