06/05/2026
Everyone faces the choice between a plan rollover and a reassessment at some point, and for many it's a difficult decision. Both options have pros and cons, and both are legitimate options depending on where you are in your life and how your current plan is travelling.
A rollover might feel like a relief because it’s fast and low-stress, but it can also leave you stuck with a budget that no longer suits your needs, or goals that you've out-grown. But on the other hand, while a full reassessment allows you to reset your goals and funding, it also opens your entire plan up for scrutiny. If the evidence isn’t targeted and robust, there is a real risk that your funding may be reduced.
As Support Coordinators, we can't tell you which option you should go for, but we do sometimes suggest one option over the other based on where you are in your journey.
Timing is everything. For example, if you’re on the verge of reaching a major goal, we might suggest a rollover to keep the momentum going. This avoids the 'planning fatigue' of a review right when you need to focus on your wins. Once those goals are met, we can walk into your next reassessment with proven results and a clear, fresh vision for what’s next.
On the flip side, we will advocate for a full reassessment when your current plan is no longer 'fit for purpose.' For example, if you're approaching a major life transition, like moving out of home for the first time, starting a new job, or if your functional needs have increased, a rollover would actually be a risk to your independence. In these cases, we lean into the prep work to ensure your new budget matches the scale of your new life.
However, if the evidence collected to support the reassessment isn't robust enough to get what you need, we may suggest a rollover to protect your current supports while we work with your providers to get evidence strong enough to support an increase, rather than triggering a reduction; something we’ve unfortunately seen happen all too often.
Swipe through for our comparison guide and Save this post for the next time your plan review date rolls around.