Making the Most of Your SIL and Core Supports: A Budgeting Guide
If you receive funding for Supported Independent Living (SIL) through your NDIS plan, you may be wondering how this interacts with your Core Supports — and how to budget effectively. Getting clear on what each type of support covers can help you stretch your funding and live more confidently and independently.
What Are Core Supports?
Core Supports are one of the four main budget categories in an NDIS plan. They are designed to help participants with everyday activities that build independence and improve quality of life.
The Core Supports budget is usually flexible, so you may be able to move funding between categories to meet your needs (except for transport, which is typically fixed).
Can You Use Core Supports with SIL?
Yes, but it depends on what you're using them for.
SIL already covers certain types of daily living support, so you shouldn’t use Core Supports to pay for the same services — this would be considered "double-dipping" under the NDIS rules.
Here’s a quick guide:
| Support or Expense | SIL Funded? | Can Use Core Supports? |
|---|---|---|
| Help with showering, dressing, meal prep | ✅ Yes | ❌ No – Covered by SIL |
| Going to the gym, social events, or classes | ❌ No | ✅ Yes – Community Access |
| Buying continence products or low-cost AT | ❌ No | ✅ Yes – Consumables |
| Help attending appointments or community activities | ❌ No | ✅ Yes – Core Supports |
| Transport (if eligible in plan) | ❌ No |
✅ Yes – Transport Budget |
Tip: Always check with your Support Coordinator or Plan Manager to avoid overlap and make sure your spending aligns with your plan.
Budgeting Tips When Using SIL and Core Supports
1. Understand the Boundaries
SIL funding covers the support staff, not your living costs. Make sure to budget for food, rent, and bills separately from your NDIS funding.
2. Use Your Core Supports Flexibly
If you don’t use up all the funds in one Core Support category, you may be able to use them in another (e.g., shifting funds from daily support to community access). Flexibility helps you get the most from your plan.
3. Track Spending Monthly
Keeping an eye on how your Core Supports are used each month helps avoid running out early. Ask your Plan Manager for regular reports or use an app to keep track.
4. Avoid Overlaps
Coordinate with your SIL provider and other support services to avoid duplicated services. For example, don’t book separate personal care under Core Supports if it’s already part of your SIL agreement.
5. Plan for Extras
Unexpected needs can arise. Leaving a small buffer in your Core Supports budget can help you manage emergencies like needing extra consumables or short-term support.
Final Thought
Combining SIL and Core Supports correctly can give you the right balance of independence and support. By understanding what each category covers and using your budget wisely, you’ll have greater confidence in managing your NDIS plan.
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This article is intended for informational purposes and should not replace professional advice. Always consult with your NDIS planner or support coordinator for personalized guidance.