The Risks of Hiring Independent Support Workers in Australia


So, you’re navigating the NDIS and thinking about hiring an independent support worker. Sounds great, right? More choice, more control, maybe even a better personality fit. But before you jump in, let’s talk about the stuff no one likes to mention—the risks that come with going independent.

Let’s break it down in a real, no-nonsense way, so you can make informed choices for yourself or your loved ones.


Why Go Independent?

The appeal is real. Independent support workers (sole traders with an ABN) can often be more flexible, more affordable, and more available than larger providers. You might even find “the one” who just gets you or your loved one’s needs. Plus, online platforms make it super easy to connect with independent workers.

But here’s the thing: independence doesn’t always mean “no problems.”

The Risks You Need to Watch Out For

1. Less Oversight, More Responsibility for You

Registered NDIS providers have to jump through a ton of hoops—audits, compliance checks, strict quality standards. Independent workers? They just need an ABN to start offering services.

Some independents are amazing—fully insured, trained, and professional. But others… not so much. The vetting falls to you. That means checking police clearances, NDIS Worker Screening, and training records yourself.

Risk: If they’re undertrained or unqualified, the consequences can be serious—especially for participants with complex needs.

2. Training Can Be Hit or Miss

Independent workers don’t always have access to the training and support that employees of registered providers get. Many are younger or less experienced, and while they might be enthusiastic, they could lack the skills needed for certain disabilities or situations. Registered providers often offer ongoing training, supervision, and mentorship, but independent workers are usually on their own. This can lead to inconsistent care quality.

Risk: Without the right training, mistakes can happen. And in disability support, mistakes can have big consequences.

3. Financial and Legal Surprises

Hiring an independent worker often makes you their “employer” in practice. That can mean:

  • You might need to cover certain insurances.
  • If they get injured on the job, you could be liable.
  • Their rates may not be capped, so your NDIS funding could run out faster.

Risk: Unexpected costs, legal headaches, or paying more for less.

4. Burnout & Reliability

Independent workers often operate solo, without the backup of a team or organisation. This can lead to burnout—something the NDIS Review has flagged as a big issue in the sector. Burnout can affect the quality of care, and if a worker suddenly quits, you’re left scrambling to find a replacement. Plus, independent workers don’t always have someone to turn to for advice or supervision, which can be a problem if they’re dealing with complex needs or challenging behaviours.

Risk: You’re left scrambling for replacement care—sometimes at very short notice.

5. The Gig Economy Effect

The rise of gig platforms has made it easier to hire independent workers, but it’s also brought some challenges. These platforms often treat workers as contractors, which means they don’t get benefits like superannuation, paid leave, or workers’ compensation. This can attract workers who are less committed to the role long-term, as they’re juggling multiple gigs to make ends meet. It also means the NDIS market is becoming a bit of a wild west, with unfair competition between platforms and registered providers who have to follow stricter rules.

Risk: Constant turnover and inconsistent care.


How to Protect Yourself


If you do hire independently, here are your “non-negotiables”:


✔️ Check Credentials – Ask for proof of their ABN, NDIS Worker Screening Clearance, National Police Check, and insurance (like Professional Indemnity and Public Liability).

✔️ Get a Service Agreement – This is a must. A clear service agreement outlines expectations, pay, and responsibilities, protecting both you and the worker. It should also cover how complaints or incidents will be handled.

✔️ Verify Insurance – Both yours and theirs. Make sure your home insurance covers incidents involving workers, and double-check that the worker has their own coverage for accidents or liability.

✔️ Get references – Don’t skip this step. Ask for testimonials or referees to confirm the worker’s experience and reliability.

✔️ Stay informed – The NDIS is evolving, and so are the rules around independent workers. Keep an eye on updates from the NDIS Commission or seek advice from a NDIS planner or support coordinator.




The Big Picture

Hiring an independent support worker can be a fantastic way to get personalized, flexible care under the NDIS, but it’s not without its challenges. The lack of regulation, potential for inconsistent quality, and financial/legal risks mean you need to go in with your eyes wide open.

The NDIS Review and Fair Work Commission rulings are pushing for changes to make the system safer and fairer, but for now, it’s on you to do the legwork to ensure you’re hiring someone trustworthy and qualified.

At the end of the day, it’s about balancing choice and control with safety and quality. Take your time, ask the right questions, and you’ll be better equipped to make the NDIS work for you.


Need the Right Support Worker? We’ll Find Your Perfect Fit.

At Focused Well-Being Services, we’re a trusted NDIS provider dedicated to making support simple, safe, and reliable. You or your loved ones deserve quality, compliant care — and we’re here to deliver it with clarity and compassion.

Reach out today — we’d love to support your journey.





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