Aged Care Costs And Funding Explained - My Guardian

SDA & SIL Funding guide

Navigating your SDA and SIL funding made easy

Funding support

Why SDA and SIL funding can feel confusing

Many participants and families first hear about SDA and SIL while exploring disability accommodation or independent living support through the NDIS. Because the two supports are often discussed together, it can sometimes feel unclear what each one actually covers, how they differ, or whether both supports are needed.

Understanding how these supports work together is often the first step toward making more informed and confident decisions.

The simplest way to understand the difference is

Some participants may receive one support, while others may receive both depending on their individual goals, functional needs, and level of support required.

Understanding how these supports work together is often the first step toward making more informed and confident decisions.

How SDA funding works

Specialist Disability Accommodation (SDA) funding helps eligible participants access purpose-built housing designed for people with very high support needs or extreme functional impairment. SDA funding supports the home itself, including accessibility and specialised design features that help improve safety, mobility, and independence.

Depending on individual needs, SDA housing may include:

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Wheelchair accessible layouts

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Assistive technology features

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Improved livability design

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High physical support features

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Accessible bathrooms and kitchens

How SIL funding works

Supported Independent Living (SIL) funding helps participants with everyday living tasks while living at home. Unlike SDA, SIL focuses on the support provided inside the home rather than the property itself.

SIL support may include assistance with:

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Personal care

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Meal preparation

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Medication management

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Household tasks

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Overnight support

Can you receive both SDA and SIL?

Yes. Some participants receive both SDA and SIL funding when they require specialised housing as well as ongoing daily support.

For example, a participant may live in an SDA property while receiving SIL support from support workers each day.

However, not every participant requires both supports.

Some participants may:

The right combination depends on individual circumstances, goals, functional needs, and NDIS funding approvals.

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What evidence may be required?

NDIS funding decisions are based on evidence that demonstrates a participant’s support needs and how the requested supports will help improve independence, safety, and daily living outcomes.

Depending on the funding being considered, supporting evidence may include:

The process can sometimes feel complex, especially for participants and families navigating SDA or SIL funding for the first time.

Having the right guidance throughout the process can help make funding pathways easier to understand and less overwhelming.

How funding decisions are made

Funding decisions are made by the NDIS based on a participant’s individual goals, functional needs, living circumstances, and supporting evidence. When assessing SDA or SIL funding, the NDIS considers whether the support is reasonable and necessary and whether it is appropriate for the participant’s long-term independence and wellbeing.

Because every participant’s situation is different, funding outcomes may vary from person to person. This is why personalised guidance and support planning are often important when exploring accommodation and support options.

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How My Guardian can support you

Understanding SDA and SIL funding pathways can feel challenging without the right support and guidance.

At My Guardian, we help participants and families better understand accommodation and support options while providing calm, personalised guidance throughout the process.

Whether you are exploring specialist accommodation, daily living support, or both, our team can help you better understand the pathways available and the next steps that may suit your individual goals and circumstances.

Key questions about SDA & SIL funding

No. SDA funding relates to the housing itself, while support workers and daily assistance are generally funded separately through SIL or other NDIS supports.

Yes. SIL can be provided in private homes, shared accommodation, rentals, or SDA properties depending on a participant’s support needs.

No. SDA funding is only available to participants with very high support needs or extreme functional impairment who meet specific eligibility requirements.

SIL funding is assessed based on the level of daily support a participant requires to live safely and independently.

Yes. Our team can help you better understand SDA and SIL pathways, accommodation options, and support considerations based on your individual circumstances.

Explore your support and accommodation options

Whether you are exploring SDA housing, SIL supports, or trying to better understand your funding pathway, My Guardian is here to help you navigate the process with clarity, confidence, and personalised support.

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Whether you’re ready to start experiencing quality care or just want to learn more about our services, our friendly support team is here to help. Send us a message by filling in the form, or call us anytime on.

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