One of the most common questions we get at CoAbility is: “Can I claim this on my plan?”
For a long time, the answer was a blurry “maybe.” But in 2025, the rules are clearer than ever. The NDIS has a strict “In and Out” list (officially the NDIS Supports Legislative Instrument), and knowing the difference protects you from unexpected debts.
Gone are the days of the “grace period.” Since October 2025, the NDIS has full authority to raise a debt for any non-compliant purchase, regardless of the cost.
To help you stay safe and get the most out of your funding, here is our guide to what is currently In, what is Out, and the grey areas in between.
The Golden Rules (Still Apply)
Before you look at the specific list, every purchase must still pass the “Reasonable and Necessary” test. It must:
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Be directly related to your disability.
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Represent value for money.
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Be effective and beneficial.
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Not be something a family member or the general health/education system should pay for.
The “Big Six”: What Changed?
Here is a quick summary of the specific items that cause the most confusion in 2025:
1. Hair Washing (IN)
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The Verdict: If you cannot wash your own hair due to your disability, you can claim assistance.
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The Catch: This covers the service (the washing), not a full salon-style cut or colour.
2. Meal Delivery Platforms (CONDITIONAL)
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The Verdict: You can use platforms (like Lite n’ Easy or specialised providers), but the NDIS will only pay for the preparation and delivery costs (usually 70% of the bill).
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The Catch: You must pay for the “raw ingredient” cost yourself (the food itself). If the invoice doesn’t separate these costs clearly, the NDIS will reject it.
3. Legal Costs (OUT)
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The Verdict: The NDIS does not fund legal services.
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The Impact: If you are a self-manager employing your own staff, you cannot use NDIS funds to pay for employment contract reviews or legal advice. That comes out of your own pocket.
4. Repairs for Damage (IN)
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The Verdict: The NDIS can fund repairs for property damage caused directly by your disability (e.g., a wheelchair damaging a wall).
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The Catch: You need evidence linking the damage to the disability/equipment.
5. Specialised Driver Training (IN)
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The Verdict: Accessible for participants who need specialised lessons to drive an adapted vehicle.
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The Catch: It must be stated in your plan and delivered by a specialised instructor, not just a regular learner driver school.
6. Smartwatches & Tablets (REPLACEMENT SUPPORT)
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The Verdict: These are generally “Out,” BUT they can be claimed as a “Replacement Support” if they replace a more expensive disability-specific item (like a dedicated communication device).
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The Catch: You must apply for a “Replacement Support Determination” before you buy it. You cannot just buy it and hope for the best.
The “Rent” Reality Check (ILO & SIL)
In 2025, the rules around housing are strict.
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Rent is OUT: The NDIS does not pay for rent, board, or groceries. These are “day-to-day living costs” that every Australian pays.
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Support is IN: The NDIS pays for the support workers who help you live in that house.
For ILO (Individualised Living Options): If you have a housemate providing support, they must be paid a formal wage or allowance for their service. You cannot simply offer them “free rent” in exchange for support, as the NDIS won’t cover the rent portion. This ensures transparency and fair working conditions for everyone involved.
Don’t Guess. Ask.
The “Debt Amnesty” is over. If you buy a prohibited item today, the NDIS can ask for that money back tomorrow.
If you are unsure about a purchase, don’t risk it. Contact CoAbility and chat with your Support Coordinator. We can check the latest guidelines and help you find a compliant way to get the support you need.
