'User pays' and other approaches to the funding of long-term care for older people in Australia

Michael Fine*, Jenny Chalmers

*Corresponding author for this work

Research output: Contribution to journalReview article

10 Citations (Scopus)
10 Downloads (Pure)


It has been argued that without some system in which future generations of users are able to pay for their care the cost of services for an increasingly large group of older people will be borne by a declining base of economically active younger people. Is the answer a user pays approach to the financing of aged care, as promoted by recent changes to aged care financing? This paper reviews this concept and its recent history in Australia. On the basis of a brief review of alternative funding systems, it also considers the potential of public and private insurance schemes to increase funding by potential service users and underwrite the long-term viability of funding for aged care services.

Original languageEnglish
Pages (from-to)5-32
Number of pages28
JournalAgeing and Society
Issue number1
Publication statusPublished - 2000

Bibliographical note

Copyright 2000 Cambridge University Press. Article originally published in Ageing and Society, Volume 20, Issue 1, pp. 5-32. The original article can be found at http://dx.doi.org/10.1017/S0144686X99007643.


  • Aged care
  • Australia
  • Demographic trends
  • Funding
  • Insurance
  • Long-term care
  • Policy

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