When it's the National Disability Insurance Scheme! "Insurance is a means of protection from financial loss in which, in exchange for a fee, a party agrees to guarantee another party compensation in the event of a certain loss, damage, or injury. (Wikipedia)
However, under the National Disability Insurance Scheme, "The scheme entitles people with a 'permanent and significant' disability (under the age of 65), to full funding for any 'reasonable and necessary' support needs related to their disability (subject to certain restrictions). Funding is allocated to the individual, and the individual or their guardian chooses which providers supply the funded goods and services (subject to certain restrictions)".
"The scheme is entirely publicly funded: recipients do not purchase or contribute to an insurance policy. The scheme is not means-tested. The word 'insurance' refers to the scheme's use of proactive insurance principles to manage long-term financial sustainability, and that it aims to 'insure' any citizen will have costs covered in the event they are born with or acquire a disability." (Wikipedia)
Tips of a gigantic iceberg
As American philosopher Eric Hoffer famously wrote, ‘Every great cause starts as a movement, becomes a business and eventually degenerates into a racket.’
Ever since the euphemistically named "National Disability Insurance Scheme" was legislated in 2013 and finally fully rolled out in 2020, Australians have been flat out killing the golden goose. It's now said to blow out to well over a hundred billion dollars a year, twice the country's defence budget. "We shall fight them on the beaches" with crutches and in our mobility scooters and while high on the spectrum.
Perhaps it's the country's best defence. I mean, who would want to invade a country which, out of a total population of twenty-five million, has eight hundred thousand disabled, two million pensioners, four hundred thousand single mothers, five hundred thousand unemployed, and hundreds of thousands on a myriad of other government hand-outs?