Understanding the Difference Between SIL and ILO in the NDIS
- Arthur Solomon
- Feb 16
- 3 min read
Updated: Feb 23
Choosing the right living arrangement under the National Disability Insurance Scheme (NDIS) can be daunting. Supported Independent Living (SIL) and Individualised Living Options (ILO) are two distinct funding models designed to help participants live independently. While both aim to enhance independence, they differ significantly in their structure, flexibility, and support systems. Let’s break down these differences to help you decide which option suits your needs.
What is Supported Independent Living (SIL)?
SIL provides structured, 24/7 support for individuals with high or complex care needs. It is ideal for participants who require assistance with daily tasks such as personal care, meal preparation, and medication management.
Key Features of SIL:
- Shared Living Environment: Participants often live in group homes or shared accommodations with other NDIS participants.
- Rostered Care: Support workers follow a fixed schedule to provide round-the-clock assistance.
- Focus on High Needs: SIL caters to individuals who need consistent supervision and help with essential tasks.
- Formal Support Only: All supports are provided by paid professionals, with limited reliance on informal networks like family or friends.
Example:
Emma, a participant with mobility challenges, lives in a shared home with three others. She receives 24/7 care from support workers who assist her with bathing, cooking, and attending medical appointments. SIL ensures Emma’s safety and independence while living in a communal setting.

What is Individualised Living Options (ILO)?
ILO offers a more flexible and personalised approach to living arrangements. It is designed for participants with lower or moderate support needs who want greater control over their living environment.
Key Features of ILO:
- Customised Living Arrangements: Participants can live alone, with family, friends, or even a host family.
- Two-Stage Process:
1. Exploration and Design: Participants decide where and how they want to live.
2. Implementation and Monitoring: Supports are tailored and adjusted over time.
- Combination of Support Types: ILO integrates formal paid supports with informal supports from family or friends.
- Focus on Independence: Encourages participants to explore diverse living options that align with their goals.
Example:
David, a young adult with autism, chooses to live with a host family while receiving drop-in support twice a week for social outings and skill-building activities. His ILO plan allows him to maintain independence while benefiting from a supportive environment.
Key Differences Between SIL and ILO
Aspect | Supported Independent Living (SIL) | Individualised Living Options (ILO) |
Living Environment | Shared homes or group accommodations | Flexible options: alone, with family/friends |
Support Intensity | High-intensity care, including 24/7 supervision | Low-to-moderate intensity; tailored support |
Flexibility | Fixed structure | Customised plans based on participant needs |
Support Types | Formal paid supports only | Mix of formal and informal supports |
Eligibility | Suitable for participants with complex needs | Ideal for those seeking independence |
Cost Structure | Based on rostered care | Flexible funding aligned with chosen supports |
Choosing the Right Option for You
Your choice between SIL and ILO depends on your unique needs, goals, and preferences. Here are some questions to consider:
- Do you require constant supervision or occasional assistance?
- Would you prefer living in a shared environment or independently?
- Do you have access to informal support from family or friends?
- Are you looking for flexibility in designing your living arrangements?

Practical Scenarios
1. For High Support Needs: If you need help with daily tasks like bathing, cooking, and medication management throughout the day, SIL might be the better option. It provides consistent care in a structured environment.
2. For Greater Independence: If you want to explore living alone or with loved ones while receiving occasional support, ILO offers the flexibility to design your ideal setup.
Both SIL and ILO play crucial roles in supporting NDIS participants to live independently. SIL is best suited for individuals requiring intensive care in a shared setting, while ILO empowers those seeking personalised arrangements that fit their lifestyle.
By understanding these options and their differences, you can make an informed decision about what works best for your situation. Take time to assess your needs and collaborate with your NDIS planner or support coordinator to create a plan that aligns with your goals for independent living.
Need assistance with Short Term Accommodation? Get in touch with us today to learn more about our short term accommodation services across Wollongong and the Illawarra region. We’re ready to support you every step of the way!
Comments