The National Disability Insurance Scheme (NDIS) is a state-level program that provides coverage for disabilities. The National Disability Insurance Scheme was introduced in 2021 to provide assistance to people who are disabled or experience long-term debilitating disabilities. The scheme is funded through taxes paid by both employers and employees. It aims to increase employment opportunities and improve living standards for people with disabilities. By offering guaranteed disability support, it helps to ensure that people with disabilities are able to work and contribute to the economic growth of the country. See our website
How to Know About National Disability Insurance Scheme?
In order to be fully certified as disabled, people need to undergo medical evaluation, perform necessary research, take and pass an approved test, and then be declared as receiving disability support by an eligible employer or the scheme itself. Eligibility criteria requires that the applicant be undertaking work that is demanding and monotonous, and that he/she is unable to do the same work in the previous month or is unable to perform any of his/her usual activities because of his/her disability. Eligible persons may also include parents and grandparents of such individuals. The National Disability Insurance Scheme also covers the family members of workers covered under the scheme. Eligibility for the scheme is determined on the basis of income and monthly earnings, medical assessment of the applicant, the amount of risk involved in the course of work, and the earnings capacity of the applicant.
The National Disability Insurance Scheme has come in for some criticism from various quarters, primarily from the employers’ sector. The employers’ argument is that the scheme may disincentivise employers from providing sufficient support to their employees, and may result in an increased rate of unemployment in the long run. A further argument against the scheme is that the cost of the schemes eventually adds up to more than the amount of benefits received. While experts maintain that the scheme does have a few drawbacks – for example, it does not cover pre-existing mental illness – the benefits are available to a large number of eligible beneficiaries who are not receiving support needs because of physical or mental illness. For such people, the value of the scheme cannot be understood without taking into consideration the impact on their standard of living.