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How Occupational Therapy Differs from Psychology: What NDIS Participants Should Know

When you're trying to navigate mental health support through the NDIS, you'll likely come across both occupational therapists (OTs) and psychologists. While both play important roles in mental health recovery, they approach support in different ways. Understanding these differences can help you make better decisions about which services you need and how they can work together.
The Core Difference: Doing vs Understanding
The simplest way to understand the difference is this: psychologists focus on your thoughts, feelings, and behaviours, while occupational therapists focus on what you do every day and how mental health affects your ability to do it.
A psychologist might help you understand why you feel anxious or work through traumatic experiences. An occupational therapist helps you manage daily life despite or alongside those feelings. Both are valuable, but they serve different purposes.
What Psychology Focuses On
Psychologists are trained to diagnose and treat mental health conditions through talk therapy and psychological interventions. Their work typically involves:
Understanding your mind: Psychologists explore your thoughts, emotions, past experiences, and patterns of behaviour. They help you understand why you think and feel certain ways.
Processing trauma and experiences: If you've experienced trauma, grief, or significant life challenges, psychologists provide structured therapeutic approaches to help you process these experiences.
Therapeutic techniques: Psychologists use evidence-based therapies like Cognitive Behavioural Therapy (CBT), Dialectical Behaviour Therapy (DBT), or trauma-focused approaches to address mental health symptoms.
Diagnosis and assessment: Clinical psychologists can diagnose mental health conditions and provide detailed psychological assessments.
For example, if you have depression, a psychologist might help you identify negative thought patterns, explore the root causes of your depression, and teach you techniques to challenge unhelpful thinking.
What Occupational Therapy Focuses On
Occupational therapists work with the practical, functional side of life. In mental health, they focus on how your condition affects your daily activities and participation in life. Their work includes:
Daily living skills: OTs help you develop strategies to manage tasks like cooking, cleaning, personal hygiene, budgeting, and shopping when mental health makes these difficult.
Routines and structure: They help you build sustainable routines that support your wellbeing and functioning, even when motivation is low.
Sensory and environmental factors: OTs assess how your environment affects you and develop strategies for sensory regulation, particularly important for autism and trauma-related conditions.
Social and community participation: They work on skills for social interaction, accessing community spaces, using public transport, and engaging in meaningful activities.
Executive functioning: OTs address planning, organisation, time management, and decision-making skills that mental health conditions can impact.
Practical coping strategies: Rather than exploring why you feel a certain way, OTs help you function better despite how you feel.
Using the same depression example, an occupational therapist might help you break down the task of having a shower into manageable steps, create a morning routine that works when motivation is low, or develop strategies to manage household tasks when everything feels overwhelming.
How They Work Together
Here's the important part: you don't have to choose between them. In fact, they work brilliantly together.
Consider someone with PTSD. A psychologist might use trauma-focused therapy to process traumatic memories and reduce flashbacks. Meanwhile, an occupational therapist helps that same person travel on public transport safely, manage panic responses in community spaces, and re-engage with activities they've been avoiding.
Or someone with schizophrenia might see a psychologist to manage paranoid thoughts and understand their condition better. The occupational therapist works on medication management routines, social skills for maintaining employment, and strategies for distinguishing between real and delusional experiences in daily situations.
The Questions They Ask
Psychologists typically ask: "What are you thinking and feeling? What's causing these emotions? How can we change unhelpful patterns?"
Occupational therapists ask: "What do you need to do? What's stopping you from doing it? What strategies can we put in place so you can do it?"
Both questions matter. One addresses the internal experience; the other addresses the external function.

NDIS Funding Considerations
Under the NDIS, both psychology and occupational therapy can be funded, but they're used differently:
Psychology
is typically funded under
Capacity Building (Improved Daily Living) and focuses on therapeutic interventions for diagnosed mental health conditions.
Occupational therapy
is also funded under Capacity Building but focuses on functional capacity, skill development, and practical strategies for daily participation.
Some NDIS participants benefit from having both in their plan. Others might need one more than the other depending on their current goals and challenges.
When You Might Need Psychology
You might benefit from seeing a psychologist if you:
- Need to process trauma or difficult experiences
- Want to understand patterns in your thinking or behaviour
- Are experiencing acute mental health symptoms that need therapeutic intervention
- Need support with relationship difficulties or communication patterns
- Want formal diagnosis or psychological assessment
When You Might Need Occupational Therapy
You might benefit from seeing an occupational therapist if you:
- Struggle with daily tasks like cooking, cleaning, or personal care
- Find it hard to maintain routines or structure
- Need help managing sensory sensitivities
- Want to improve time management and organisation skills
- Are working towards independent living
- Need practical strategies for social situations
- Want to develop skills for employment or study
When You Need Both
Many people benefit from having both supports working together. You might need both if:
- Your mental health affects your daily functioning significantly
- You're working on both processing your experiences and building practical life skills
- You need emotional support alongside functional skill development
- Your condition involves both psychological symptoms and functional limitations
Making the Choice
If you're unsure which service you need, consider what your most pressing challenge is right now. Are you struggling more with how you feel internally, or with managing daily life? The answer will point you in the right direction.
Remember, these services complement each other. A psychologist can help you understand and manage your mental health condition. An occupational therapist helps you live your life despite or alongside that condition.
Getting Started
If you're an NDIS participant wondering which service to access first, speak with your support coordinator or Local Area Coordinator. They can help you understand what's funded in your plan and connect you with the right professionals.
Many mental health occupational therapists, like those at PotentialMe, work collaboratively with psychologists and other health professionals to provide comprehensive support. This team approach often delivers the best outcomes because it addresses both the internal experience of mental health and the practical realities of daily life.
The goal isn't to choose one over the other, it's to build a support team that addresses your needs from all angles. Your mental health matters, and so does your ability to live the life you want to live.
We hope you enjoyed reading this blog.
PotentialMe specialises in Mental Health Occupational Therapy, and also offer other NDIS Support Services such as Australia-wide Plan Management services and personalised Support Work, matching our support workers to participants across Greater Melbourne.











