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NDIS Guide

What is the NDIS and how does it work?

Last reviewed 1 July 2026 · 6 min read · By Sarah M., Support Coordinator
In short

The NDIS, or National Disability Insurance Scheme, is Australia's national program that funds reasonable and necessary supports for people with a permanent and significant disability. Administered by the NDIA, it gives eligible participants an individual plan and budget to choose the services and supports they need.

What does the NDIS actually fund?

The scheme pays for supports linked to your disability that help you pursue your goals, build skills, and take part in everyday life. Examples include personal care, help around the home, getting out into the community, therapy, and assistive technology such as a wheelchair or communication device.

The NDIS is built on a principle called reasonable and necessary. A support must relate to your disability, represent value for money, and not duplicate something already provided by mainstream services like the health or education systems.

Who runs the scheme?

The NDIS is delivered by the National Disability Insurance Agency (NDIA), an independent Commonwealth body. Separately, the NDIS Quality and Safeguards Commission regulates providers and handles complaints, so the two organisations play different roles in keeping the scheme safe and accountable.

NDIA

Decides access, approves plans, and manages participant funding across Australia.

Quality & Safeguards Commission

Registers and monitors providers and investigates complaints about support quality.

Local Area Coordinators

Help you understand the scheme, connect to services, and use your plan.

How is the NDIS different from old disability funding?

Before the NDIS, disability funding was often block-funded to organisations, so people had little say over who supported them. The NDIS flips that model: money follows the individual. You hold a personalised budget and decide which providers deliver your supports, giving you far more choice and control.

It is also a lifelong, insurance-based scheme. Rather than reacting to crises, it invests early in skills and equipment so participants can live more independently over time.

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See the everyday services TQN.Care delivers, from personal care to community access, and how they fit within an NDIS plan.

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SM
Sarah M., Support CoordinatorReviewed by TQN.Care's NDIS support team · 8+ years in disability support coordination.
Common questions

Questions, answered.

Is the NDIS the same as the disability pension? +
No. The Disability Support Pension is an income payment from Centrelink, while the NDIS funds disability supports and services. You can receive both if you qualify for each.
Does the NDIS cost participants money? +
There are no fees to join, and approved supports are paid from your plan budget. The scheme is funded by Australian governments, not by participant contributions.
Is the NDIS available everywhere in Australia? +
Yes. The scheme has rolled out nationally across all states and territories, including regional and remote areas, though service availability can vary by location.
Can children access the NDIS? +
Yes. Children under seven are usually supported through the early childhood approach, which provides early intervention even before a formal plan is in place.
Who decides what supports I get? +
You and an NDIA planner discuss your goals and needs, and the NDIA approves the supports it considers reasonable and necessary for your situation.
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