NDIS Basic Questions Answered -

The NDIS is a complex system, and it’s common to have questions — especially when you’re first navigating it. Below are the questions we hear most often, with straightforward answers. Please keep in mind that NDIS rules and processes can change; if you need current, detailed information about your specific situation, the NDIS website is the authoritative source.

What is the NDIS?

The National Disability Insurance Scheme (NDIS) is a government-funded program that provides support to Australians with significant and permanent disability. Rather than a standard set of services, the NDIS provides each eligible participant with an individual plan and funding designed around their specific needs and goals.

Who is eligible?

To be eligible for the NDIS, a person must have a permanent and significant disability that limits their ability to engage in everyday activities. They must also be under 65 years of age and an Australian citizen, permanent resident, or Protected Special Category Visa holder. The NDIS has a formal access process that considers both the nature of the disability and how it affects daily life.

Which plan management type might suit you?

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Agency-managed

Best if you want zero payment admin. NDIA pays providers directly — fewer choices, but simplest for you.

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Plan-managed

A plan manager handles payments. You get broader provider choice without managing money yourself.

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Self-managed

Maximum flexibility — you pay and claim. Best for people who want full control and are comfortable with the admin.

How do I apply?

You can apply by contacting the NDIA by phone or submitting an access request form. You’ll need to provide documentation of your disability and its functional impact — this typically includes reports from treating health professionals. The NDIS website has detailed guidance on how to apply.

How much funding will I receive?

Funding amounts vary depending on your individual needs and goals, as determined by the NDIS planning process. There’s no standard amount. Your plan will specify how much is allocated across different support categories, and those amounts are based on what’s considered “reasonable and necessary” to help you achieve your goals.

Can I choose my own providers?

Yes. The NDIS is designed to give participants choice and control over their supports. You can choose which providers you want to work with, negotiate how services are delivered, and switch providers if you’re not satisfied. The level of choice available to you depends partly on how your plan is managed — agency-managed, plan-managed, or self-managed.

The three ways to manage your NDIS plan

Management type	Who pays providers	Choice of providers
Agency-managed	NDIA pays providers directly	Registered NDIS providers only
Plan-managed	A plan manager pays on your behalf	Registered and unregistered providers
Self-managed	You pay and claim reimbursement	Maximum flexibility — any provider

What types of support can the NDIS fund?

The NDIS funds a wide range of supports, including personal care and daily activities, therapy (occupational therapy, speech therapy, psychology, equine therapy, art therapy, and others), assistive technology and equipment, community participation, employment support, and housing-related supports. Not all supports are available to all participants — what’s included in your plan depends on what’s assessed as reasonable and necessary for your situation.

How often is my plan reviewed?

Most NDIS plans are reviewed annually, but this can vary. Plans can also be reviewed earlier if your circumstances change significantly — a new diagnosis, a major change in support needs, or a life event that affects your goals. You can request an early review if you feel your current plan isn’t meeting your needs.

Can I appeal a decision?

Yes. If you disagree with an NDIS decision — about eligibility, funding amounts, or plan content — you have the right to request an internal review. If you’re still unsatisfied after an internal review, you can take the matter to the Administrative Appeals Tribunal (AAT). Getting support from a disability advocate can help you navigate this process.

Where can I find more information?

The NDIS website is the authoritative source for current information. It can be overwhelming to navigate, but the participant section is a good starting point. If you’d like help understanding how the NDIS applies to your specific situation, Heartfelt Support is happy to point you in the right direction — we provide NDIS services including equine therapy, art therapy and music programs, support workers, employment services, and psychosocial recovery coaching.