Finding the right home for yourself or a loved one with a disability is a deeply personal and empowering journey. With options like Supported Independent Living (SIL), Individualised Living Options (ILO), and Specialist Disability Accommodation (SDA), it can feel overwhelming to determine which path best supports individual needs and aspirations.
Each of these disability housing models offers unique benefits and levels of support. Whether you’re navigating the NDIS for the first time or reassessing current arrangements, understanding the differences between SIL, ILO, and SDA can guide you toward a solution that fosters safety, independence, and a sense of belonging.
What Is Supported Independent Living (SIL)?
Supported Independent Living (SIL) is an NDIS-funded support model that helps people with disabilities live as independently as possible in a shared or individual living setting. Supports can include help with cooking, cleaning, personal care, and developing daily life skills.
Benefits of SIL include:
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Tailored support levels depending on needs
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Opportunities to build life and social skills
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24/7 assistance available where required
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Shared living arrangements that reduce isolation
SIL is best suited for people who need consistent support but want to live outside of aged care or family homes. It’s important to consult your NDIS plan and speak with your support coordinator when considering SIL.
“SIL has given me the confidence to live more independently while knowing support is always available when I need it.” – NDIS Participant
Understanding Individualised Living Options (ILO)
Individualised Living Options (ILO) provide a flexible and person-centred alternative to traditional group housing. With ILO, participants choose where and how they live, and who they live with, whether that’s alone, with a host family, or with chosen housemates.
Advantages of ILO include:
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High level of personal choice and control
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Customised support built around your lifestyle
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Greater opportunities for community inclusion
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Living arrangements that reflect your culture and values
ILO is ideal for people who may not need 24/7 support but still benefit from tailored help in ways that allow them to live independently.
“ILO has allowed me to create a living situation that truly feels like home, with the exact support I need.” – ILO Participant
What is Specialist Disability Accommodation (SDA)?
Specialist Disability Accommodation (SDA) refers to purpose-built or modified homes designed for people with extreme functional impairment or very high support needs. It’s not about support services—SDA funds the physical housing itself.
SDA homes may include high physical accessibility, assistive technologies, and safety features that enhance independence and dignity.
Benefits of SDA include:
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Customised design suited to complex needs
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Better access to community and services
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Greater independence in a secure setting
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Eligibility for 24/7 support on-site
The NDIS provides SDA funding to eligible participants based on strict criteria, so working with a registered provider is essential.
SIL vs ILO vs SDA – What’s the Difference?
| Feature | SIL | ILO | SDA |
|---|---|---|---|
| Living arrangement | Shared, group housing | Flexible – live alone, with family, etc. | Purpose-built housing |
| Support level | Moderate to high | Customised to personal goals | High physical support with built-in care |
| Flexibility | Structured | Highly flexible | Fixed (but tailored to complex needs) |
| NDIS funding type | Core Supports | Core Supports | Capital Support |
Ready to Explore Your Options?
Choosing the right home under the NDIS is a major decision, but you don’t have to make it alone. At Transition Life Care, we specialise in personalised, empowering support across SIL, ILO, and SDA pathways.
We’ll work alongside you, your family, and your support coordinator to help identify the best fit based on your goals, strengths, and future aspirations.
To learn more about how we can support your transition into independent living, get in touch today and begin your journey towards a more inclusive, supported, and fulfilling life.
