Aged care consultant Bina Brown has done the sums for the paper with help from home care disruptor Better Caring.

Check out the chart above. As you can, see full pensioners still have to contribute $3,712 a year to the cost of their home care – regardless of what package they receive.

This climbs to $5,313 for part pensioners and $10,627 for self-funded retirees.

Another reason that demand for higher-level packages is so high?