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Should We Talk About Aged Care at Christmas? A Guide for Adult Children

Writer: Bill Savellis
Bill Savellis
4 days ago
3 min read

For many families, Christmas is the first time in months that everyone is under the same roof. It's also when adult children often notice things they can't see over the phone.

Dad seems less steady on his feet.

Mum mentions she's stopped driving at night.

The fridge is nearly empty, or the mail has piled up on the bench.

It's natural to wonder whether this is the moment to raise Aged Care, downsizing or getting some extra help. The honest answer is yes, it can be, but perhaps not in the way you imagine.

Christmas is a good time to notice and to open the door. It's rarely the right time to have the whole conversation.

What to look out for

Use your time together to observe, gently and without making it obvious.

Signs that more support may be needed include:

  • Unopened mail, unpaid bills or reminder notices

  • Out-of-date food, or a fridge and pantry that look different from usual

  • Medication that's missed, doubled up or causing confusion

  • Changes in mobility or balance, or recent falls, including small ones

  • A home or garden that's become harder to keep up

  • Weight loss, changes in personal care, or seeming more withdrawn than usual

  • New dents or scrapes on the car

 

One sign on its own isn't cause for alarm.

What you're looking for is a pattern, and whether things have changed since your last visit.

Why the Christmas table isn't the place

Raising Aged Care in front of the whole family, especially over lunch, can leave a parent feeling ambushed or embarrassed.

It can also turn a caring intention into a group debate, with siblings, partners and grandchildren all weighing in.

Most people respond far better to a private, calm conversation where they feel respected and in control.

Talk to your siblings first

If you have brothers or sisters, compare notes before or during the holidays, away from your parents. You may each have noticed different things. Agreeing on what you've seen, and on who is well placed to raise it, helps you offer a united and supportive approach rather than mixed messages.

How to open the door

Choose a quiet moment, such as a walk, a drive or a cup of tea after the crowd has gone home.

Keep the focus on your parent's wishes rather than your worries. A few gentle ways to start:

  • "I noticed the stairs seem a bit harder lately. How are you finding things around the house?"

  • "Have you thought about what you'd want if you needed a bit more help one day?"

 

Listen more than you speak. If your parent isn't ready to talk, that's okay. You've planted a seed, and you can come back to it.

Useful things to cover, and what can wait

If the conversation goes well, a few practical topics are worth raising while you're together. These are about being prepared, not about making decisions:

  • Whether an Enduring Power of Attorney and a current Will are in place, and where they're kept

  • Whether your parent would like a family member to be able to speak with Centrelink or My Aged Care for them. Centrelink allows a nominee to be appointed, and a family member can be registered as a supporter with My Aged Care

  • Where key documents are kept, such as bank details, Centrelink letters and insurance policies

  • Whether an Aged Care assessment might be helpful, even just to understand what support is available and the timeline for approvals

 

The detail can wait. Costs, accommodation payments, the family home and Age Pension impacts are all important, but they're better worked through calmly in the new year, with the right information in front of you.

If the conversation doesn't go well

It's common for a first conversation to be met with resistance, or for emotions to run high. That doesn't mean it failed. Sometimes we just need time to process what's been said.

Let things settle, avoid pressing the point over the holidays, and plan to follow up in January once routines return.


Following up in the new year

January is a natural time to pick up the conversation. If more support is needed, we can help your family understand the options, from Support at Home services to residential Aged Care, and what each would mean financially. We also work directly with Centrelink and Aged Care providers on your family's behalf, so you're not left to manage it alone.

If you've noticed changes over Christmas and aren't sure where to start, talk to our team today. Call 1300 924 644 or book a call with Bill.

Bill Savellis

Senior Financial Adviser

​Having navigated the Aged Care landscape for both of his parents, Bill understands how challenging it can be to make the right decisions for your future care needs. That's why he believes that everyone should have access to financial advice during this time. Bill has been a Financial Adviser for over 22 years, and is passionate about helping others access the financial advice they need. Drawing from his own experience in the financial sector, Bill develops strategic, personalised plans to support transitions to Aged Care or Home Care.

 

 

Disclaimer: Prepared without taking into account your objectives, financial situation or needs. Before acting on any information in this article, Olive Grove Financial Advice recommends that you consider whether it is appropriate for your circumstances. The information contained within the website is of a general nature only. Whilst every care has been taken to ensure the accuracy of the material, The Financial Advisor (Australia) Pty Ltd T/A Olive Grove Financial Advice and Finchley & Kent Pty Ltd will not bear responsibility or liability for any action taken by any person, persons or organisation on the purported basis of information contained herein. Without limiting the generality of the foregoing, no person, persons or organisation should invest monies or take action on reliance of the material contained herein but instead should satisfy themselves independently of the appropriateness of such action.

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Disclaimer: The information contained within the website is of a general nature only. Whilst every care has been taken to ensure the accuracy of the material, The Financial Advisor (Australia) Pty Ltd T/A Olive Grove Financial Advice and Finchley & Kent Pty Ltd will not bear responsibility or liability for any action taken by any person, persons or organisation on the purported basis of information contained herein. Without limiting the generality of the foregoing, no person, persons or organisation should invest monies or take action on reliance of the material contained herein but instead should satisfy themselves independently of the appropriateness of such action.

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