Item SDM ISW COS
Admin - invoicing, claims, scheduling ✅ Schedule your own supports. Weekly invoicing and reports available on request. ✅ Agreed schedules based on Service Agreement.  Weekly invoicing and reports available on request. ✅ Yes - weekly invoicing and reports available on request
Coordination ✅ Self-directed with support from FIshR 🔶 Coordination across multiple ISW is self-directed ✅ Full coordination of supports aligned to plan goals and service agreement
Emergency and Back up Plan ✅ Self directed.  FIShR will work with you to develop an individualised back up plan 🔶 Limited coordination across multiple ISW. Self-directed ✅ Individualised emergency support and back up plan created with COS
NDIS Registration and Compliance ✅ Operates under FIShR Registration ✅ Operates under FIShR Registration ✅ Operates under FIShR Registration
Insurances (PL/PI/WC, Other) ✅ Yes - copies of all certificates of currency stored on systems and tracked by FIShR ✅ Yes - copies of all certificates of currency stored on systems and tracked by FIShR ✅ Yes - copies of all certificates of currency stored on systems and tracked by FIShR
Training ✅ Yes - All staff have access to over 120+ training modules ✅ Yes - All staff have access to over 120+ training modules ✅ Yes - All staff have access to over 120+ training modules
Planning ✅ Self-directed.  Ongoing coaching and mentoring provided by FIShR ✅ Can be added to service agreement if required, service provided by FIShR. ✅ Yes - includes support provided by FIShR
Supervision ✅ Self-directed. Ongoing coaching and mentoring provided by FIShR.  All handover notes reviewed by Senior FIShR Staff ✅ All handover notes reviewed by Senior FIShR Staff.  Ongoing coaching and mentoring provided to ISW. ✅ All handover notes reviewed by COS and Senior FIShR Staff. Ongoing coaching and mentoring provided to COS.
Systems ✅ Yes - Full access for all staff and participants to Intentio our purpose-built NDIS software ✅ Yes - Full access for all staff and participants to Intentio our purpose-built NDIS software ✅ Yes - Full access for all staff and participants to Intentio our purpose-built NDIS software
Service Agreements ✅ Yes - Full access ✅ Yes - Full access ✅ Yes - Full access
Troubleshooting  ✅ Self-directed  ongoing coaching and mentoring provided by FIShR ✅ Yes - includes support provided by FIShR ✅ Yes - includes support provided by FIShR
Incident Reporting ✅ Yes - guided by FIShR Incident management and Risk Management policies and procedures ✅ Yes - guided by FIShR Incident management and Risk Management policies and procedures ✅ Yes - guided by FIShR Incident management and Risk Management policies and procedures
Complaints Management ✅ Yes - guided by FIShR Complaints management policy and Code of Conduct  ✅ Yes - guided by FIShR Complaints management policy and Code of Conduct  ✅ Yes - guided by FIShR Complaints management policy and Code of Conduct 
Risk Management ✅ Yes - comprehensive risk management tools and suggested guidance ✅ Yes - comprehensive risk management tools and suggested guidance ✅ Yes - comprehensive risk management tools and suggested guidance
Policies and procedures ✅ Yes - full suite of operational and governance policies and procedures ✅ Yes - full suite of operational and governance policies and procedures ✅ Yes - full suite of operational and governance policies and procedures
High Intensity Supports ✅ FIShR Approved Subject to training and compliance items being met ✅ FIShR Approved Subject to training and compliance items being met ✅ FIShR Approved Subject to training and compliance items being met
Behavior Supports ✅ FIShR Approved Subject to training and compliance items being met ✅ FIShR Approved Subject to training and compliance items being met ✅ FIShR Approved Subject to training and compliance items being met

Where your funding goes

Every NDIS dollar comes from the same place. What happens to it after that is where providers differ.

FIShR funding comparison SDM, ISW and CoS compared as percentages of the NDIS rate. SDM FIShR4.95% Ins+admin8.95% Max wage76.9% Super9.2% ISW FIShR fee+WC11.7% Ins+admin5.95% Wage73.5% Super8.8% CoS FIShR4.95% Coord+ins+admin*21.0% Wage66.2% Super7.9%

Purple = held by FIShR · Gray = other costs · Teal = wage and super
.

Sources/footnotes:

  • FIShR's current fee structure — "correct as at August 2026"

  • Insurance/admin figures are modelled assumptions, not confirmed costs and may vary

  • Super is always 12% of the wage — it just looks smaller here because we're showing it as a share of the full rate, not the wage alone.

What your funding actually includes

A percentage tells you where the money goes. It doesn't tell you whether a backup plan exists, who's tracking your support worker's insurance, or whether anyone's reading the handover notes. Here's the detail, model by model.

Admin — invoicing, claims, scheduling
SDM✅Schedule your own supports. Weekly invoicing and reports available on request.
ISW✅Agreed schedules based on Service Agreement. Weekly invoicing and reports available on request.
CoS✅Weekly invoicing and reports available on request
Coordination
SDM✅Self-directed with support from FIShR
ISW🔶Coordination across multiple ISW is self-directed
CoS✅Full coordination of supports aligned to plan goals and service agreement
Emergency and Back-up Plan
SDM✅Self-directed. FIShR will work with you to develop an individualised back-up plan
ISW🔶Limited coordination across multiple ISW is self-directed
CoS✅Individualised emergency support and back-up plan created with CoS
NDIS Registration and Compliance
SDM✅Operates under FIShR Registration
ISW✅Operates under FIShR Registration
CoS✅Operates under FIShR Registration
Insurances (PL/PI/WC, Other)
SDM✅Copies of all certificates of currency stored on systems and tracked by FIShR
ISW✅Copies of all certificates of currency stored on systems and tracked by FIShR
CoS✅Copies of all certificates of currency stored on systems and tracked by FIShR
Training
SDM✅All staff have access to over 120+ training modules
ISW✅All staff have access to over 120+ training modules
CoS✅All staff have access to over 120+ training modules
Planning
SDM✅Self-directed. Ongoing coaching and mentoring provided by FIShR
ISW✅Can be added to service agreement if required, service provided by FIShR
CoS✅Includes support provided by FIShR
Supervision
SDM✅Self-directed. Ongoing coaching and mentoring provided by FIShR. All handover notes reviewed by Senior FIShR Staff
ISW✅All handover notes reviewed by Senior FIShR Staff. Ongoing coaching and mentoring provided to ISW
CoS✅All handover notes reviewed by CoS and Senior FIShR Staff. Ongoing coaching and mentoring provided to CoS
Systems
SDM✅Full access for all staff and participants to Intentio, our purpose-built NDIS software
ISW✅Full access for all staff and participants to Intentio, our purpose-built NDIS software
CoS✅Full access for all staff and participants to Intentio, our purpose-built NDIS software
Service Agreements
SDM✅Full access
ISW✅Full access
CoS✅Full access
Troubleshooting
SDM✅Self-directed, with ongoing coaching and mentoring provided by FIShR
ISW✅Includes support provided by FIShR
CoS✅Includes support provided by FIShR
Incident Reporting
SDM✅Guided by FIShR Incident Management and Risk Management policies and procedures
ISW✅Guided by FIShR Incident Management and Risk Management policies and procedures
CoS✅Guided by FIShR Incident Management and Risk Management policies and procedures
Complaints Management
SDM✅Guided by FIShR Complaints Management Policy and Code of Conduct
ISW✅Guided by FIShR Complaints Management Policy and Code of Conduct
CoS✅Guided by FIShR Complaints Management Policy and Code of Conduct
Risk Management
SDM✅Comprehensive risk management tools and suggested guidance
ISW✅Comprehensive risk management tools and suggested guidance
CoS✅Comprehensive risk management tools and suggested guidance
Policies and Procedures
SDM✅Full suite of operational and governance policies and procedures
ISW✅Full suite of operational and governance policies and procedures
CoS✅Full suite of operational and governance policies and procedures
High Intensity Supports
SDM✅FIShR Approved, subject to training and compliance items being met
ISW✅FIShR Approved, subject to training and compliance items being met
CoS✅FIShR Approved, subject to training and compliance items being met
Behaviour Supports
SDM✅FIShR Approved, subject to training and compliance items being met
ISW✅FIShR Approved, subject to training and compliance items being met
CoS✅FIShR Approved, subject to training and compliance items being met
Not sure. Let's talk it through