Age Pension Eligibility

Australian Age Pension Eligibility Requirements

Information verified correct on January 30th, 2015

To qualify for the Age Pension, there are age and residence requirements that you must satisfy.

Getting older usually brings with it plenty of life changes. For many Australians, one of the major lifestyle changes which comes with becoming a senior is that you may need to apply for and live off of the pension.

The Age Pension is a scheme which pays out a steady income to eligible Australians, or in the case of those with a larger amount of money, a supplement to help them cope with the costs of living. All the monies that are paid out under this scheme come from different types of tax collections and are the sole responsibility of the Australian government. As with most government payments, it has eligibility requirements and a process which must be followed in order to start receiving payments.

If you are in need of finance, please check our guide to loans for pensioners and seniors

How much pension will you receive?

Please note that finder.com.au is not affiliated with the Department of Human Services or Centrelink. If you would like an indication of pension rates, please use this calculator.

Eligibility Requirements for Age Pension

Below are the eligibility requirements that anyone seeking the Age Pension needs to satisfy.

Age requirements for the Age Pension

The age requirements for the Age Pension differ depending on whether you’re a female or male and when you were born and will increase on 1 July 2017 to a qualifying age of 65 and a half years. After this, the age will increase by six months every two years until it reaches 67 by 1 July 2023. To find out the age requirements for the Age Pension read the table below.

Born Years of age - Women Years of age - Men
1 Jul 1947 - 31 Dec 1948 64.5 65
1 Jan 1949 - 30 Jun 1952 65 65
1 Jul 1952 - 31 Dec 1953 65.5 65.5
1 Jan 1954 - 30 Jun 1955 66 66
1 Jan 1954 - 30 Jun 1955 66 66
1 Jul 1955 - 31 Dec 1956 66.5 66.5
After 1 Jan 1957 67 67

*Table taken from the Department of Human Services

Residence requirements

In addition to the age requirements, you also have to meet residence requirements in order to be eligible for payments for the age pension, which currently are;

  • Citizenship. If you are an Australian citizen and have been residing in Australia then you can be eligible for the age pension. New Zealand citizens may also be eligible for age pension in Australia as long as they were in Australia on the date 26th February 2001, or were living in the country for at least one year in the two years before this qualifying date. People who have been living in Australia under a permanent residence visa may also be eligible for age pension.
  • 10 year residence requirements. This requirement has to be met by any person who wants to receive an age pension. The 10 year qualifying residence requirement states that you have to be living in the country continuously for a period of 10 years. If you have lived in Australia on and off, then the total of all such periods of residence must be equal to or more than 10 years. Within these smaller periods, there should be at least one period where you have lived in Australia continuously for five years.

Income test requirements

There's also an income test the Government will carry out to assess whether or not you're eligible for the Age Pension. The income test will apply to the following payments and family situations:

  • Age Pension
  • Wife Pension
  • Widow B Pension
  • Bereavement Allowance
  • Carer Payment
  • Disability Support Pension

You will be exempt from the income test if you are permanently blind and receive Age Pension or Disability Support Pension and you also do not receive rent assistance.

There are different income cut-off points that apply depending on whether you are single, married, disabled, if you have any dependents, etc.

If you earn enough income your payment is reduced to $0. Take a look at the table below to see what the cut-off point is for your family situation. If you earn below the amount set for your situation you may be eligible for the pension.

Please be aware your payment eligibility will depend on your specific circumstances and this table should just be used as a guide.

Your family situation Maximum you can earn per fortnight
Single $1,810.20
Couple (combined) $2,769.60
Illness separated (couple combined) $3,584.40
Transitional rate pensioners - Single $1,907.25
Transitional rate pensioners - Couple (combined) $3,100.50
Transitional rate pensioners - Illness separated (couple combined) $3,778.50

Figures as of 6th February 2014

If your income is below these limits, then the amount of pension you are eligible to receive will also depend on your income. Check the Human Services website to see up to date information on what you are eligible for.

Asset requirements

There are limits to the amount of assets you can own when receiving the Age Pension. Like the income tests mentioned above, the limit of assets you can own depends on your status, including if you're single, a couple, a couple separated by illness, or a couple where only one partner is eligible for the pension.

In fact, for every $1000 your asset is worth over the limit, your pension will be reduced by $1.50 per fortnight. Assets include cash, gifts, real estate, businesses, farms, vehicles, life insurance policies and more.

Limits are updated each year in January, March and September, so be sure to visit the Department of Human Services for current information.

The following tables outline the asset test limits for allowances, full pensions and past pensions. This table should only be used as a guide and for up to date asset test limits you should visit the Human Services website.

For allowances and full pensions the asset tests are the following:

Family situation Limit for Homeowners Limit for non-homeowners
Single $196,750 $339,250
Couple (combined) $279,000 $421,500
Illness separated (couple combined) $279,000 $421,500
One partner eligible (combined assets) $279,000 $421,500

*Figures as of 6th February 2014

For part pensions your assets must be less than the following:

Family situation For homeowners For non-homeowners
Single $784,250 $890,750
Couple (combined) $1,110,500 $1,253,000
Illness separated (couple combined) $1,382,000 $1,524,500
One partner eligible $1,110,500 $1,253,000

*Figures as of 6th February 2014

If you are a transitional homeowner your assets will need to be less than the following:

Family situation For homeowners For non-homeowners
Single $663,750 $806,250
Couple (combined) $1,032,500 $1,175,000
Illness separated (couple combined) $1,213,000 $1,355,500
One partner eligible (combined assets) $1,032,500 $1,175,000

*Figures as of 6th February 2014

How to apply for the Age Pension

If you’re eligible for the Age Pension, you can apply; however, the rate at which you will be paid the pension will be determined by the assets that you own as well as the income that you are earning. Hence, the results of your income and assets test are vital to the rate of Age Pension you will receive.

  • Income test for age pension in Australia. If you are a single person and your income from all sources is equal to or less than $156 every fortnight, then you will be eligible to receive the full age pension from the government. However, if your income exceeds this limit, you will not get the full rate of age pension but can receive part pension. The minimum income requirements for a couple are lower than for single people. Hence, if you are living as a couple, you should be earning a combined income of less than $276 every fortnight in order to receive full rate of age pension.
  • Assets test for age pension in Australia. Apart from the income test, the asset test will also determine the rate at which your age pension will be paid. If you are a single person and you own a home in Australia, then your total asset value should be lower than $196,750 in order to qualify for the full rate of payment of age pension. If you do not own a home, your asset value should be lower than $339,250. This amount differs for a couple and also depends on whether you own a home or not.

Can I get the Age Pension while living overseas?

Australia is an expensive country, so it's easy to see why many Australians reaching pension age or already receiving a pension may consider countries with cheaper living costs such as Thailand or Bali.

If you've already been receiving the Age Pension for greater than two years while in Australia you can move overseas and receive the pension. The amount you'll receive depends on how long you'll stay overseas and how long you lived in Australia since being 16.

Living overseas for greater than 26 weeks will see your pension reduced to an amount in proportion to the number of years you were an Australian resident once over the age of 16. If you've lived in Australia for greater than 25 years you'll receive the full amount.

If you've lived in Australia for less than 25 years you'll receive an amount in proportion to the years as a resident.

If you've come back to Australia and have started receiving the Age Pension in the last two years you won't be able to receive the Age Pension overseas. In these cases you must live in Australia for at least two years since your last arrival for residence.

Remember too that countries like Austria, New Zealand, Canada, Chile, Greece, Italy and the USA have social security agreements which will in some cases continue your payments, so be sure to check on the Department of Human Services for more information regarding this.

Did you know?

Remember, those who are blind and have reached the minimum age for age pension, may not be required to fulfil any asset or income requirements in order to get the Age Pension.

Age Pension benefits at a glance

Recipients of the Age Pension receive different amounts depending on whether or not they’re single, a couple or a couple separated due to illness.

The payment rates are as follows:

Status Maximum basic rate per fortnight
Single $733.70
Couple $553.10 each or $1,106.20 combined
Couple separated by illness $733.70 each

Transaction accounts and the Age Pension

One of the ways to receive your Age Pension is directly to your bank account. This will involve the Department of Human Services paying your pension into what’s usually your transaction account. From here you can access your pension to pay for groceries, medical expenses and any other expenses you may have.

How to compare transaction accounts

If you don’t yet have a transaction account and would like one to receive your Age Pension, or if you have one already and want to ensure it’ll provide you with the features you need when receiving the Age Pension, consider the following points:

What interest rate does it earn?

Most transaction accounts will earn little interest, but some have higher interest earning capabilities. Decide whether or not you want your transaction account to earn interest or you might also want to consider opening a savings account.

What are the monthly fees you’ll pay?

Some transaction accounts will charge a monthly fee which they’ll waive if enough money is deposited into the account each month. For most accounts, this threshold is $2,000, but be sure to check with any accounts you’re interested in. There are also accounts with no monthly fees whatsoever, regardless of the amount which is deposited into it.

How can I access my money?

Most transaction accounts can allow access through the internet and over the telephone, but some transaction accounts are offered by online providers, meaning they might not have large branch networks. If you like to do your banking in person, this might be an important consideration. If you regularly withdraw money from the ATM, you might want to ensure that the institution you have an account with has a number of ATMs near your home, so you can avoid fees.

You can compare a selection of transaction accounts below.

Transaction account comparison

Rates last updated January 30th, 2015
Maximum Variable Rate p.a. Standard Variable Rate p.a. Bonus Interest p.a. Fees Min Bal / Min Deposit
ING DIRECT Orange Everyday Account
A transaction account with no monthly fees, plus 2% cashback offer available.
0.00% 0.00% 0.00% $0 $0 / $0 Open More
Citibank Plus Everyday Account
Get a 5% cashback on Visa payWave purchases on new accounts opened before 28 Feb 2015.
0.00% 0.00% 0.00% $0 $0 / $0 Open More
HSBC Day to Day Transaction Account
Enjoy no monthly account keeping fees and a Visa debit card to access your money.
0.00% 0.00% 0.00% $0 $0 / $0 Open More
Bankwest Qantas Transaction Account
Earn Qantas Points for your daily balance and eligible purchases, plus access to Australia's largest bank ATM network.
0.01% 0.01% $6 $0 / $0 Open More
ME Bank EveryDay Transaction Account
5% cashback offer available for the first six months if you open an account by 28 February 2015.
0.00% 0.00% $0 $0 / $0 Open More
NAB Classic Banking
No monthly account fees plus get an NAB Visa Debit card with payWave at no extra cost.
0.01% 0.01% 0.00% $0 $0 / $0 Open More
ANZ Access Advantage
Enjoy unlimited transactions using ANZ ATMs and ANZ phone & internet banking.
0.00% 0.00% 0.00% $5 $0 / $0 Open More
Westpac Choice
Access funds through a Debit MasterCard and enjoy 24/7 online and mobile banking.
0.00% 0.00% $5 $0 / $0 Open More
BankSA Complete Freedom Account
Free unlimited transactions, plus linked Visa debit card.
0.00% 0.00% 0.00% $5 $1 / $1 Open More
St.George Complete Freedom Account
Flexible bank account with Visa Debit card and SMS and email alert system.
0.00% 0.00% 0.00% $5 $0 / $1 Open More
St.George SENSE
A transaction account and savings account in one.
2.85% 2.85% 0.00% $5 $0 / $0 Open More
BankSA Express Freedom Account
A low fee transaction account with Visa debit card.
0.00% 0.00% 0.00% $3 $0 / $1 Open More
Bank of Melbourne Complete Freedom Transaction Bank Account
Free unlimited everyday transactions at Bank of Melbourne branches and Westpac Group ATMs.
0.00% 0.00% $5 $0 / $1 Open More
Bank of Melbourne Express Freedom Transaction Bank Account
Free unlimited everyday banking transactions, and the flexibility of a Visa Debit Card.
0.00% 0.00% $3 $0 / $1 Open More
BankSA Sense Everyday Account
A combined savings and transaction account with debit card and interest earning.
2.85% 2.85% $5 $1 / $1 Open More

Pension loans

Regular mainstream loans aren’t necessarily available to pensioners. This is because lenders are concerned that a pensioner’s advanced age and increased likelihood of sickness and inability to work may mean they are unable to repay their debts.

There are still ways for pensioners to obtain loans for different purposes. These can include small loans of under $1200 through the No Interest Loans Scheme (NILS), low documentation loans and other options and are explained in more depth in our pensioner loans guide.

The Age pension is one resource older Australians can make use of when they retire. Finding out if you’re eligible for the pension is the first step to financially securing the beginning of your later years, so ensure you find out if you’re able to make use of the pension.

 

Do you have a question about eligibility for the aged pension?

If you have a specific question about your eligibility for the Aged Pension you will need to speak with the Australian Government Department of Human Services.

Here are some useful links:

Was this content helpful to you? No  Yes

Ask a Question

Disclaimer: At finder.com.au we provide factual information and general advice. Before you make any decision about a product read the Product Disclosure Statement and consider your own circumstances to decide whether it is appropriate for you.
Rates and fees mentioned in comments are correct at the time of publication.
By submitting this question you agree to receive follow up emails related to finder.com.au and to create a user account where further replies to your questions will be sent.

1,054 Responses to Australian Age Pension Eligibility Requirements

  1. Default Gravatar
    donato | January 30, 2015

    Can i apply for australian Age Pension ?
    Born in ITALY 03-.05-1950 migrated with my parents in April 1960 to aust. Melbourne(Bonegilla camp)my dad found job in Sydney , lived in leichardt, Marrickville and last Hurstville in our home of property at 18 was asked to become australian citizen agreed worked at Ross brothers , Paramac in 1971 at the age of 21 for my birthday received trip to italy , stayed 3 month and returned til april 1972 came back to italy and worked for 35 years received italian pension since 2007 a reached legiliability . now im 65 in May of this year 2015 can i apply and receive something of australian pension?

    i already earn an italian working pension and is 1150 ero per month im married but my wife never touched australian soil can i get partial australian pension
    Thank you sencerly Donato

    • Staff
      Shirley | January 30, 2015

      Hi Donato,

      Thanks for your question.

      If you were working or living in Australia as an Australian citizen or permanent resident for a period of 10 years then you generally pass the residency test.

      You can earn up to $160 (AUD) per fortnight to qualify for the full pension. Otherwise the part pension will apply.

      Cheers,
      Shirley

  2. Default Gravatar
    dennis | January 29, 2015

    I am 70 years old and for the past 4 years have been living in asia.I have been offered a job.
    I think I need to contact centerlink. What documentation do I need to give if I take the job?
    When I finish the job, What documentation do I need to show to resume my pension.
    I am told that my income will be more than A$2000 per fortnight but the income will vary from month to month.
    Can I say just cancel my pension while I work without having to fill out a form every fortnight?

    • Staff
      Shirley | January 30, 2015

      Hi Dennis,

      Thanks for your question.

      Centrelink will inform you of the appropriate forms that you’ll need to fill when you take and finish the job.

      You can cancel your pension if you wish – this would mean you don’t need to fill the fortnightly income forms until you resume your pension.

      Cheers,
      Shirley

  3. Default Gravatar
    harvey | January 29, 2015

    I am an Australian citizen and have worked in Australia for 22years. I also have British citizenship. My wife has also been resident and working here for a similiar time.

    We worked in UK for over 14 years as well.
    Q..
    Are we entitled to UK pensions as well as Australian pensions?

    How are assets counted if we live in a house with outstanding mortgage?

    Thanks
    Harvey

    • Staff
      Shirley | January 30, 2015

      Hi Harvey,

      Thanks for your question.

      While we can’t comment on your eligibility for the UK pension, based on the information you have provided you meet the residency requirement for the Australian age pension.

      The value of any real estate, apart from your principal home, is included in your assets test.

      Cheers,
      Shirley

  4. Default Gravatar
    Ray | January 28, 2015

    Just before New Year I completed an application for the Age Pension, I was given just 6 days to complete the app over the holiday period, I was able to get Bank account statements etc and sent it to you within the required period. It is now 28/1 and I have not heard from your department.
    I turn 65 on 20.02.2015 and becoming concerned. My wife is 62 and is not receiving any benefits and is not working. What can she do

    Ray

    • Staff
      Shirley | January 29, 2015

      Hi Ray,

      Thanks for your question.

      You’ve come through to finder.com.au, an online comparison service. We’re not affiliated with Centrelink and unfortunately can not assist in this matter.

      Please direct this enquiry to the Department of Human Services, you can find their contact details here.

      Cheers,
      Shirley

  5. Default Gravatar
    Colin | January 28, 2015

    I am sure I cannot get the pension as my wife earns to much. my question is can I still get cheep or free travel? also what other entitlements am I eligible for if any?

    • Staff
      Shirley | January 28, 2015

      Hi Colin,

      Thanks for your question.

      You may eligible for a range of other senior perks, such as the NSW Seniors Card (if you currently live in NSW) or a Commonwealth Seniors Health Card.

      Cheers,
      Shirley

  6. Default Gravatar
    Greg | January 27, 2015

    I am on disability support pension at 65 years old was offered to transfer to age pension. Would my spouse at age 60 loose career payment, career allowance and yearly supplement as a result of transferring to age pension

    • Staff
      Shirley | January 28, 2015

      Hi Greg,

      Thanks for your question.

      Both the carer and the care receiver must meet an eligibility criteria in order to maintain the payment. Please see this page for more details.

      Cheers,
      Shirley

  7. Default Gravatar
    Sandra | January 26, 2015

    Hi there,

    I am an Australian citizen who left Australia to live in Canada when I was about 30. I am 59 and intend to relocate back to Australia within 2 years permanently. Am I entitled to any old age pension.

    Thanks

    • Staff
      Shirley | January 27, 2015

      Hi Sandra,

      Thanks for your question.

      You will need to have been an Australian resident for a continuous period of at least 10 years.

      On the website it states that they will assess the following:
      “- the nature of your accommodation, and
      - the nature and extent of your family relationships in Australia, and
      - the nature and extent of your employment, business or financial ties with Australia, and
      - the frequency and duration of your travel outside Australia, and
      - any other matter we think is relevant”

      Cheers,
      Shirley

  8. Default Gravatar
    Terry | January 26, 2015

    We have a small home on 15 acres in NSW, we are 68 and 65 yrs old. Does owning this land preclude us from getting a pension, assuming we fulfill all other criteria ?

    • Staff
      Shirley | January 27, 2015

      Hi Terry,

      Thanks for your question.

      On the Centrelink website it states that, “to be exempt from the assets test, your principal home and adjacent land, up to 2 hectares, must be on a single title block and the land must not be used primarily for commercial purposes. Any additional property or part of your own principal home, over 2 hectares will be assessed as part of the assets test.”

      Depending on how much your land is worth, it may restrict you to a part pension rather than a full pension.

      Cheers,
      Shirley

  9. Default Gravatar
    teresa | January 25, 2015

    My japanese husband was 64 yrs old already when we got karried last 2008. And we still living together as husband and wife and we have a 4yrs daughter now. My question is, my japanese husband now is 70yrs old and he is receiving a monthly pension from japan government. If ever he die anytime, am i entitled to get his pension from japan as his wife? ty

    • Staff
      Shirley | January 27, 2015

      Hi Teresa,

      Thanks for your question.

      Please note that we can only provide general advice regarding the Australian Age pension.

      For more information regarding the Japanese pension, please contact the relevant Government organisation that handles social security for Japan.

      Cheers,
      Shirley

  10. Default Gravatar
    montorro | January 23, 2015

    Hi Shirley
    Yes my son he’s on a skill working Visa.
    What sort of credentials do I need to prove if I apply for a business or innovation Visa?!
    I hear that a man of my age (56) cannot work in Australia, is it that so?
    Can I apply for the 457 temporary work visa?
    My son told me that He can sponsor me if I go to Australia.

    Thank you Shirley

    • Staff
      Shirley | January 28, 2015

      Hi Montorro,

      Your son can sponsor you on the 457, which is valid for 4 years. Generally there’s no age limit (however, there are some for Visa, but most don’t require them).

      So long as it’s an eligible sponsorship, it should be fine. You’ll need to be on the skilled occupations list which can be found here.

      If you’re looking to buy the business from your son and can prove certain aspects (i.e. that your investing a specific amount into the business and that the business will remain in Australia) you can try for one of the business Visas. More information can be found here.

      The Visa you’re eligible for will depend on your circumstances, and then it could roll into a PR.

      This booklet can also provide more information. If you have any further questions, it’s advisable for you to speak directly to the Immigration office.

      All the best,
      Shirley

  11. Default Gravatar
    William | January 23, 2015

    I am an Australian citizen – born 3/6/1952 – I live in Malaysia with my Malaysian wife (previously an Australian permanent resident visa holder), my disabled daughter (also a previous Aust PR) & my 7 year old son (Malaysian citizen).

    I lived in Australia for approx 47 years (birth to age 41) plus from 1999 to 2005.

    Q: Subject to the income & asset test – will I be eligible to receive the pension if I am still residing in Malaysia when I turn 65 on 3 June 2017?

    • Staff
      Shirley | January 27, 2015

      Hi William,

      Thanks for your question.

      As long as you have been an Australian resident for a continuous period of at least 10 years (that is, living in Australia) you are generally considered to have met the residency test for the age pension.

      Cheers,
      Shirley

  12. Default Gravatar
    montorro | January 23, 2015

    My son live in Australia and shortly he will get the permanent Visa.
    I am 56 years of age, he asked me to buy the restaurant where he works, may I do that and live there?
    thank you

    Montorro

    • Staff
      Shirley | January 23, 2015

      Hi Montorro,

      Thanks for your question.

      You can apply for a business Visa but you’ll be required to prove certain credentials. You may want to consider a business or innovation visa if you’re looking to buy the business. If you come on another visa, such as 457, temporary work, etc there’s a chance that you may not be able to buy the business with that particular Visa.

      Your son may also be able to sponsor you if he is on a skill working Visa.

      Cheers,
      Shirley

  13. Default Gravatar
    | January 22, 2015

    I have been on the pension for approx 5 months and would like to travel overseas mid year for about 2 – 3 months. Do I still receive the pension or will my pension stop until I return back to Australia. Thanks

    • Staff
      Shirley | January 23, 2015

      Hi Brian,

      Thanks for your question.

      Generally you will still receive the pension. You may want to inform Centrelink that you’ll be travelling as well.

      Cheers,
      Shirley

    • Default Gravatar
      Milt | January 27, 2015

      Hi
      I am 65 in March 2015, am working earning $1680 p/f would I qualify for a part pension.
      Thank you
      Milt

    • Staff
      Shirley | January 27, 2015

      Hi Milt,

      Thanks for your question.

      Based on the income test you may be able to receive a part pension.

      Cheers,
      Shirley

  14. Default Gravatar
    Casee | January 22, 2015

    My husband receives national superannuation here in nz. I do not qualify for another 2 1/2 years. Our family all live in Australia. I understand that we can have our fortnightly super paymnts transferred to Australia should we decide to live there permanently. Does this mean we receive what we are receiving in nz, or do we qualify for the Australian payment. Especially if we decided to move there before I turned 65 do I qualify.

    • Staff
      Shirley | January 22, 2015

      Hi Casee,

      Thanks for your question.

      You’ll need to speak to your super provider/government body that handles social security in NZ regarding whether or not you’ll be receiving what you are receiving in NZ.

      In regards to the Australian age pension, there are number of residency, income and asset tests that you’ll need to meet to qualify for the payment. You can also use the social agreement between Australia and New Zealand to meet the residency test.

      Cheers,
      Shirley

  15. Default Gravatar
    paul | January 21, 2015

    can I receive the age pension when I reach 67, then live over seas straight away

    • Staff
      Shirley | January 21, 2015

      Hi Paul,

      Thanks for your question.

      If you’ve been an Australian resident for 35 years or more than generally you continue receiving your full rate of Age Pension after 26 weeks of leaving Australia. If less than 35 years, a smaller rate of the Age Pension will apply after the 26 weeks.

      Cheers,
      Shirley

  16. Default Gravatar
    Robert | January 21, 2015

    what is the max income you can earn as a couple before losing some of the pension?

    • Staff
      Shirley | January 21, 2015

      Hi Robert,

      Thanks for your question.

      As a couple you can earn up to $284 per fortnight before there is a reduction in the payment. As a single, it is up to $160 per fortnight.

      Cheers,
      Shirley

  17. Default Gravatar
    wayne | January 21, 2015

    I turn 63 0n 6th Feb 15,I have lived in Australia all my life until approx 5months ago,I have been residing in Bali for this time. From what I have read it seems that once I turn 65 that I have to reside in Australia for 2 years before I can receive pension overseas. Is there any other requirements for me in the next 2 years before I turn 65 Regards Wayne

    • Staff
      Shirley | January 21, 2015

      Hi Wayne,

      Thanks for your question.

      On the Centrelink website it states that “you will usually need to have lived in Australia as an Australian resident for 35 years in order to continue receiving your full rate of Age Pension after 26 weeks. If less than 35 years, you will receive a smaller rate of Age Pension after 26 weeks outside Australia.”

      Another requirement is that you’ll need to be physically in Australia on the day you lodge your claim.

      Cheers,
      Shirley

    • Default Gravatar
      | January 21, 2015

      Thanks Shirley After reading, it seems to me that I can reside outside of Australia till I turn 65 without complications? but still need to reside in Australia till I’m 67 before receiving pension overseas…..correct? Regards Wayne

    • Staff
      Shirley | January 22, 2015

      Hi Wayne,

      It depends on how many years you have been an Australia resident and if you would like to receive your full rate of the Australian age pension.

      You need have been a resident for a period of 35 years or more in order to receive your full rate of pension if you intend to leave Australia for a period of more than 26 weeks.

      Cheers,
      Shirley

  18. Default Gravatar
    christine | January 21, 2015

    i have a friend who is looking at moving from NZ to Australia and not sure how the pension system works he is 71 and currently receiving the NZ pension does his NZ pension come with him or does he have to reapply once hes here any information would be helpful Thanks

    • Staff
      Shirley | January 21, 2015

      Hi Christine,

      Thanks for your question.

      Your friend will need to speak to the organisation that handles social security in New Zealand in regard to your enquiry. In terms of the Australian Age Pension, your friend may be eligible due to the Social Agreement between Australian and New Zealand.

      Please refer to the residence, asset and income requirements above as well.

      Cheers,
      Shirley

  19. Default Gravatar
    andrew | January 20, 2015

    Hi

    My wife & I currently own a house worth $700k. I expect our income from all pensions to be less than the $2769 per fortnight therefore we would qualify for the full state pension (assuming 10 continuous years as permanent resident / in country when we apply etc)

    However, I am confused about the asset test. If our mortgage is paid off by the time we retire – does that we have $700k of assets and therefore we receive only a part pension as the allowance is only $279k? Or is it simply any asset over & above the house you reside in permanently?

    My supplementary question is that if I take a pension lump sum as part of my retirement then that will be included in the asset test?

    Thanks

    • Staff
      Shirley | January 21, 2015

      Hi Andrew,

      Thanks for your question.

      Your principal home is excluded from the assets test, so the assets test includes assets that are over and above the property you currently consider as your main residence.

      Superannuation owned by you or your partner is included in your assets test if the owner is over age pension age.

      Hope this helps,
      Shirley

  20. Default Gravatar
    Vicky | January 18, 2015

    When my husband turns 65 he can apply for the Pension, however my question is I am 52 will he still be able to if I am working and If I am not employed would I receive any benefit as well?

    • Staff
      Shirley | January 19, 2015

      Hi Vicky,

      Thanks for your question.

      Centrelink will assess you and your husband’s overall assets and income. Please refer to the income tests above this page to help you determine if your husband is eligible for a full or part pension.

      In regards to benefits that you may receive if you’re unemployed, please use this Payment Finder tool available on the Centrelink website to help you determine this.

      Cheers,
      Shirley

  21. Default Gravatar
    Bogdan | January 17, 2015

    My ageing mother now 78 lives alone but is becoming more in need of regular care. I, her son have been filling the role of carer on a more frequent regularity, doctors, appointments, home checks, outings etc.
    She owns her home valued aprox. $400,000

    If she was to sell her home and shift in with me as we dont want her to go to nursing home and she is happy to do so, what would the position be with her eligibility as to her pension, assuming her nett assett base becomes solely cash of around $400,000 or so?

    • Staff
      Shirley | January 19, 2015

      Hi Bogdan,

      Thanks for your question.

      An increase in $400,000 in her financial investments may limit your mother to a part pension rather than a full pension. Please note that her former principal home will be an exempt asset if she has entered aged care and are paying or liable for an accommodation charge and her former home is rented out.

      You may want to see this page about the asset test for the age pension for more information about this.

      Cheers,
      Shirley

  22. Default Gravatar
    Minh | January 16, 2015

    My question is wrt this paragraph:
    ” The 10 year qualifying residence requirement states that you have to be living in the country continuously for a period of 10 years.”

    Would you please define clearly the meaning of “living in the country continuously” . Does it mean I have to be physically in Australia for 10 years without even one day being out of the country during these 10 years ?

    If I am a permanent resident in Australia for 10 years but do go for one or two month holidays overseas here and there during these 10 years , am i still satisfied the condition of “living in Australia continuously for 10 years”.

    Thanks very much.

    • Staff
      Shirley | January 19, 2015

      Hi Minh,

      Thanks for your question.

      Centrelink will look at the following factors of your residency:
      “-the nature of your accommodation, and
      -the nature and extent of your family relationships in Australia, and
      -the nature and extent of your employment, business or financial ties with Australia, and
      -the frequency and duration of your travel outside Australia, and
      -any other matter they think is relevant”

      Generally short holidays such as yours are considered to be fine, as long as your usual place of residence is Australia.

      Cheers,
      Shirley

  23. Default Gravatar
    Rose | January 16, 2015

    This link is not working.

    Can I get the Age Pension while living overseas?

    • Staff
      Shirley | January 16, 2015

      Hi Rose,

      Thanks for your question.

      On the Centrelink website it states that if you intend to leave Australia for a period more than 26 weeks your rate of payment will be based on the amount of time you lived in Australia as an Australian resident between the age of 16 and age pension age.

      “You will usually need to have lived in Australia as an Australian resident for 35 years in order to continue receiving your full rate of Age Pension after 26 weeks. If less than 35 years, you will receive a smaller rate of Age Pension after 26 weeks outside Australia.”

      All the best,
      Shirley

  24. Default Gravatar
    Rose | January 16, 2015

    I am an Australian Citizen. I lived and worked continually in Australia for 14 years before returning to the UK for family reasons. I was born Oct 1952. I understand from your other postings that I may be entitled to part of a pension when I’m 65.5 depending on assets etc. Will I actually have to visit Australia just to lodge the form? Is there an interview? In my reduced circumstances that will be extremely expensive for me.

    • Staff
      Shirley | January 16, 2015

      Hi Rose,

      Thanks for your question.

      One of the requirements for the Australian age pension is that you’re physically in Australia on the day you lodge your claim. Whether an interview is required will up to Centrelink’s discretion.

      It will depend on your claim, if there is enough information provided or if Centrelink or if there anything they would like to ask you in person.

      Cheers,
      Shirley

  25. Default Gravatar
    Ana | January 15, 2015

    I am a NZ citizen arrived in Australia 21st September 2002.I have lived and worked in Australia since Oct 2002.Am I eligible to the Australian Age Pension. I was born May 1953 so will be 62 years old this year.I understand because I was born in 1953 I can retire now and live off my superannuation, and be able to receive half pension from Aust and half fom NZ when I turn 66 years old is this right. How do I find out what I’m entitled too please

    • Staff
      Shirley | January 16, 2015

      Hi Ana,

      Thanks for your question.

      It seems like you have met the residency requirement. Since you were born in May 1953 the qualifying age for the Australian age pension is 65 years and 6 months.

      Please note that there is also an assets and income test for the Australian age pension. We won’t be able to provide any general advice regarding the NZ age pension.

      The Payment Finder tool provided on the Centrelink website can help you find out what you’re entitled to.

      Cheers,
      Shirley

  26. Default Gravatar
    John | January 15, 2015

    I am a 65 year Australian Citizen and have lived here for 63 years. I spent the last two and half years in Thailand from 2012 to Jan 2015. I am now back living in Australia permanently. Can I get the aged pension.

    • Staff
      Shirley | January 15, 2015

      Hi John,

      Thanks for your question.

      Based on the residency test you may be eligible for the age pension. Please note that there are asset and income tests you’ll need to meet too.

      Cheers,
      Shirley

  27. Default Gravatar
    Kayce | January 15, 2015

    I am a NZ citizen and so is my husband. We have been living and working in Australia for 7 years and own our home. Do we qualify for the Australian pension when it is due? I am 59 and my husband is 61. I visited NZ for two weeks. My husband has been back several times.

    • Staff
      Shirley | January 15, 2015

      Hi Kayce,

      Thanks for your question.

      The Social Agreement between Australia and NZ allows you to add together your periods of residence in Australia and New Zealand, so you can meet the minimum requirements for payment.

      The residency criteria states that you need 10 years of Australian residency to be eligible for the Australian age pension.

      Cheers,
      Shirley

  28. Default Gravatar
    Dianne | January 14, 2015

    My husband turns 65 in Apr this year & qualifies for the age pension. He currently receives $933,72 pf from From Com Super DFRDB plus $287.81 pf from Vet Affairs. My question is will he qualify for a part pension – I do not work at all & my age is 62 yrs.

    • Staff
      Shirley | January 14, 2015

      Hi Dianne,

      Thanks for your question.

      Based on the income provided your husband may be eligible for the part pension. However, please note that there are asset tests that apply too.

      Cheers,
      Shirley

  29. Default Gravatar
    christine | January 14, 2015

    we left australia after 22.5 years in july 2013 and will be eligible for the aged pension in a few years,will we have to return to Australia to lodge our application or can it be done from overseas
    thank you

    • Staff
      Shirley | January 14, 2015

      Hi Christine,

      Thanks for your question.

      You need to be physically in Australia on the day you lodge your claim for the age pension.

      Cheers,
      Shirley

  30. Default Gravatar
    Jon | January 14, 2015

    I spent 3 years in Aus in 1977 – 1979, and 13 years from 1984 – 1997, durin which time I was fully employed. I now live permanently in England, am I entitled to any part pension Thanks Jon

    • Staff
      Shirley | January 14, 2015

      Hi Jon,

      Thanks for your question.

      If you were an Australian resident within those periods you may be eligible for the Australian Age Pension. Please keep in mind that there are also income and asset tests.

      Cheers,
      Shirley

  31. Default Gravatar
    gavin | January 13, 2015

    Further to my question below, my wife will qualify for the Aged Pension January 2019. If we move overseas in 2016, does she have to return 2 years before applying?

    • Staff
      Shirley | January 13, 2015

      Hi Gavin,

      Likewise, if your wife has met the 10 year period rule she can return when she wishes to apply for the age pension.

      Cheers,
      Shirley

  32. Default Gravatar
    gavin | January 13, 2015

    I understand that you have to be in Australia to lodge an application for the Aged Pension.

    If for example you have lived in Australia for over 60 years continuously but prior to applying for the Aged pension you have lived overseas for 2 – 3 years, does this affect your eligibility

    • Staff
      Shirley | January 13, 2015

      Hi Gavin,

      Thanks for your question.

      As long as you were an Australian resident for a continuous period totalling up to 10 years, you are generally eligible for the age pension.

      Cheers,
      Shirley

  33. Default Gravatar
    Alan | January 13, 2015

    If I move states does my pension transfer from one state to another or do I have to apply all over again, many thanks for your help.

    regards
    Alan

    • Staff
      Shirley | January 13, 2015

      Hi Alan,

      Thanks for your question.

      Your pension won’t change if you move from one state to another within Australia. However, you will need to notify Centrelink of the change in your address.

      Cheers,
      Shirley

  34. Default Gravatar
    Yvonne | January 13, 2015

    I am turning 65 in July.
    My husband is 9 years my junior. He is working. I do not work.
    Do I still qualify for a part pension.

    • Staff
      Shirley | January 13, 2015

      Hi Yvonne,

      Thanks for your question.

      Generally you can still be eligible for a part pension. Centrelink will look at your overall income and assets and will assess your rate based on that information.

      Cheers,
      Shirley

  35. Default Gravatar
    stephen | January 12, 2015

    i was born in the UK february 1950. traveled to New Zealand at the age of two.
    came to Australia in 1974. i still have my old british passport. no australian citizenship.
    will i be able to claim australian pension.

    • Staff
      Shirley | January 13, 2015

      Hi Stephen,

      Thanks for your question.

      To be eligible for the Australian age pension you need to be an Australian resident on the day you claim and an Australian resident for a period of 10 years.

      Since the social agreement between the UK and Australia was terminated in 2001, you can’t use your years of residency in the UK towards your claim for the Australian age pension.

      Cheers,
      Shirley

    • Default Gravatar
      Marion | January 14, 2015

      We lived and worked in Australia from 1982 -1998.We are Australians citizens. Are living in Ireland since then. My husband is nearly 65 and I am 61. Will be entitled to Australian pensions. Marion

    • Staff
      Shirley | January 14, 2015

      Hi Marion,

      Thanks for your question.

      You may be eligible for the Australian age pension. Centrelink will look at the following:
      “-the nature of your accommodation, and
      -the nature and extent of your family relationships in Australia, and
      -the nature and extent of your employment, business or financial ties with Australia, and
      -the frequency and duration of your travel outside Australia, and
      -any other matter they think is relevant”

      Please be mindful that you’ll need to be physically in Australia on the day you lodge your claim.

      Cheers,
      Shirley

  36. Default Gravatar
    Dave | January 12, 2015

    HI,
    Can you advise me if my wife who turns 65 in 2 weeks is entitled to any aged pension or health card.
    As her husband I am still working full time and earn $75,000 per annum, I have less than $279,000 in assets, but own my own home.
    Cheers, Dave.

    • Staff
      Shirley | January 13, 2015

      Hi Dave,

      Thanks for your question.

      Please note that we can only provide general information regarding the age pension. For more information about the health card, please get in touch with Centrelink directly.

      Since the income you earn is over the threshold of $284 per fortnight, your wife may be receiving a part pension rather than full. Overall, Centrelink will assess your income and assets and determine a rate based on those tests. You can also use the Payment Finder tool available on the Centrelink website for more information.

      All the best,
      Shirley

  37. Default Gravatar
    Tricia | January 12, 2015

    My husband was born in 1944 and has lived, worked and paid tax in Australia since 1966 (he is a permanent resident). He still works as a casual school bus driver, earning approx $14000 per year, but would like to retire since he is now 70. Our combined assets, excluding our home, would easily be under $200,000, but I am in my early 50′s and earn approx $60 000 per year. Would he be entitled to any pension or income support?

    • Staff
      Elizabeth | January 12, 2015

      Hi Tricia,

      Thanks for your question.

      In terms of income and asset tests for couples: homeowners total assets need to fall under $202,000 and as you’re fortnightly income is over $284, his pension payment will be reduced by 50 cents for every dollar you earn over that amount. For more details on your specific situation and the pension amount he is entitled to, you might want to take a look at the Department of Human Services’ website.

      I hope this has helped.

      Thanks,

      Elizabeth

  38. Default Gravatar
    Janis | January 12, 2015

    Hi

    Can you please tell me how much I can have in assets when I claim for the age pension. If I brought a house (I am not planning to do this at the moment) how much can my assets be before my age pension is reduced or stopped? I am on a disability support pension.

    Regards

    Janis

    • Staff
      Elizabeth | January 12, 2015

      Hi Janis,

      Thanks for your question.

      The asset test limits differ depending if you’re single or as part of a couple. For a full pension, your total assets must be less than $202,000 if you’re single or $286,500 if you’re part of a couple.

      I hope this has helped.

      Thanks,

      Elizabeth

  39. Default Gravatar
    Kerry | January 11, 2015

    My father lived in Australia from 1976 to 1987 before returning to his native Ireland where he is currently living. At no stage did he become an Australian citizen.

    Would he be eligible to claim the Australian aged pension? Would this depend on whether he was living in Ireland or Australia?

    Cheers
    Kerry

    • Staff
      Elizabeth | January 12, 2015

      Hi Kerry,

      Thanks for your question.

      In order to be eligible for the age pension your father needed to have been living in Australia for a continuous period of ten years (which you mentioned he had), be an Australian resident on the day he lodges his claim and be physically present in Australia on the day he lodges his claim. If he can satisfy these criteria according to the Department of Human Services’ criteria, then he can still receive the pension while living overseas. Please see the section on this page ‘Can I receive the age pension while living overseas?’

      I hope this has helped.

      Thanks,

      Elizabeth

  40. Default Gravatar
    Amin | January 11, 2015

    Hi, I am an age pensioner migrated to Australia on mid 1987 and got my citizenship in 1990. Am I eligible to get my payment when I live overseas?. I was born in 1944.

    With my regards,

    • Staff
      Elizabeth | January 12, 2015

      Hi Amin,

      Thanks for your question.

      You can find out the details of receiving the pension while living overseas on the page above. Please see the section titled ‘Can I get the Age Pension while living overseas?’

      I hope this will help.

      Thanks,

      Elizabeth

  41. Default Gravatar
    Filipina | January 10, 2015

    Both my parents have lived in Australia and are citizen of Australia. They receive the old age pension, they are both in there late 70′s. Myself and my wife take care of them and receive a carers pension. My parents want to move to Greece permanently, so my wife and I have to go with them. Will we still get the carers pension from Australia?

    • Staff
      Elizabeth | January 12, 2015

      Hi Filipina,

      Thanks for your question.

      To receive the carer’s pension you need to be considered an Australian resident, so if you permanently relocate to Greece you will not be able to receive this payment.

      I hope this has helped.

      Thanks,

      Elizabeth

  42. Default Gravatar
    Michael | January 10, 2015

    I am an Australian Citizen and I lived in Australia for 24 years up until I went to work overseas in 1982 . I came back to Australia in 1987 and stayed for a further 8 years .Since 1996 I have been working in Hong Kong and Macau and expect to continue to work here until retirement . Would I be eligible for a pension and would I be able to receive a pension overseas? Thank You.

    • Staff
      Elizabeth | January 12, 2015

      Hi Michael,

      Thanks for your question.

      To be eligible to receive the age pension you need to have been a permanent resident for a continuous period of ten years and be physically present in Australia on the day you lodge your claim. To find out about receiving the age pension while living overseas, please see the section on this page titled ‘Can I receive the age pension while living overseas?’

      I hope this has helped.

      Thanks,

      Elizabeth

  43. Default Gravatar
    Joanne | January 10, 2015

    I currently live in Thailand with my husband who receives his Australian Pension. I do not reach pension age for another 6 years.
    I know I can apply for the pension at 66 years as I qualify for the residency period. I will have been out of Australia for 7 1/2 years when I apply for the Pension. Do I need to return to Australia to apply for the Pension. I have read that I may have to remain in Australia for 2 years to qualify. Upon qualifing am I able to return to Thailand indefinately and retain my pension or do I lose my pension after 6 months as I have also read somewhere. Regards Jo

    • Staff
      Elizabeth | January 12, 2015

      Hi Jo,

      Thanks for your question.

      In order to claim the age pension you need to be physically present in Australia on the day you make your claim. The requirement that you live remain in Australia for two years is only if you are classified as an ex-pat, so you’ll need to confirm if this applies to you or not depending on the amount of time you’ve spent overseas versus in Australia. To find out more about receiving the pension while living overseas, please see the section on the page above titled ‘Can I get the Age Pension while living overseas?’

      I hope this has helped.

      Thanks,

      Elizabeth

  44. Default Gravatar
    marsha | January 10, 2015

    I have been a permanent resident since 1993 but have been in the U.S. for a couple of years and want to go back to OZ for retirement. I have absolutely no assets. I am 66 now. What monthly income would I receive ?
    Thanking you,
    Marsha

    • Staff
      Elizabeth | January 12, 2015

      Hi Marsha,

      Thanks for your question.

      Your payment rates depend on a few different factors, including your assets. You’ll need to check the payment rates for your family situation on the Department of Human Services website. For instance, the maximum payment rate for a single person is $776.70 per fortnight. This decreases if you are part of a couple, if you earn an income or if you have any assets.

      I hope this has helped.

      Thanks,

      Elizabeth

  45. Default Gravatar
    Graeme | January 8, 2015

    I am an Australian Citizen since 1986, residing in Australia since 1982. I left Australia in 2002 to work overseas, currently residing in Singapore where i will remain as of Pension age when that time comes. In this regard, please advise if i would be eligible to make claim for the Australian aged pension on this basis, thank you.

    • Staff
      Elizabeth | January 9, 2015

      Hi Graeme,

      Thanks for your question.

      Residency requirements for the age pension specify that you need to have been an Australian resident and resided in Australia for a continuous period of ten years. As you meet these requirements, you should be eligible in this regard. In terms of living overseas while receiving the pension, please see the section on this page ‘Can I get the Age Pension while living overseas?’

      I hope this has helped.

      Thanks,

      Elizabeth

  46. Default Gravatar
    Johnny | January 8, 2015

    Hi, I am a British Subject,but have lived in Australia since 1975 as an Australian Resident,am I eligible to get the Australian Pension?
    Cheers
    Johnny

    • Staff
      Elizabeth | January 9, 2015

      Hi Johnny,

      Thanks for your question.

      To be eligible for the age pension you need to be an Australian resident living continuously in Australia for a period of ten years. As you’ve been here for longer, you should meet these residency requirements. You’ll just need to check the asset and income limits to see how much you are eligibile to receive.

      I hope this has helped.

      Thanks,

      Elizabeth

  47. Default Gravatar
    paul | January 8, 2015

    I have to live in Oz for 2 years to qualify for age pension. How is that waiting period affected should I leave the country for holiday or medical reasons?

    • Staff
      Elizabeth | January 8, 2015

      Hi Paul,

      Thanks for your question.

      According to the Australian Government website, ‘A short absence from Australia (as long as the person is still classed as an Australian resident) should not impact on the end date of this 24 month residence period (i.e. the absence still counts towards the person’s 24 month residence period)’

      I hope this has helped.

      Thanks,

      Elizabeth

  48. Default Gravatar
    Robyn | January 7, 2015

    I will be 65 on the 7th February 2015, how do I go about applying for the Age Pension.

    • Staff
      Elizabeth | January 8, 2015

      Hi Robyn,

      Thanks for your question.

      You can claim the Age Pension by visiting the Department of Human Services website and filling out an online claim form. You’ll need to create a Citibank online account to do so.

      I hope this has helped.

      Thanks,

      Elizabeth

  49. Default Gravatar
    June | January 6, 2015

    If we return to the UK to retire and claim some Uk pension, will we also get some Australian pension?

    • Staff
      Elizabeth | January 7, 2015

      Hi June,

      Thanks for your question.

      You’re able to claim the Australian pension from overseas if you’re eligible, please see the section on this page ‘Can I get the Age Pension while living overseas?’ You may need to include the pension you receive in the UK as part of your income test.

      I hope this has helped.

      Thanks,

      Elizabeth

  50. Default Gravatar
    Jan | January 6, 2015

    I married 2 years ago – we have been together over 20 years – 2nd marriage each – I am 63 and recently retired – we have kept our finances separate – we own our home jointly plus a rental property and our car is in my name. My husband is 4 years younger than me and still working. I have approximately $150,000.00 invested in a transition to pension account. When I reach the required age will I be eligible to apply for a part pension if my husband is still working.

    • Staff
      Elizabeth | January 7, 2015

      Hi Jan,

      Thanks for your question.

      You will need to check whether you fall below the threshold for the ‘couple (combined)’ income and asset tests to see if you qualify for the age pension. So you’ll be ably to apply, but you will need to include both you and your husband’s income and assets in order to qualify. You can find the details of these limits on the Department of Human Services website.

      I hope this has helped.

      Thanks,

      Elizabeth

  51. Default Gravatar
    bill | January 6, 2015

    I am on disability support pension will change to age pension next month will I loose any income from changing will i still get the same rent assistance. I have been in Australia since I was 6 years old as permanent resident
    (59 years) have no super and assets of under 40,ooo dollars if I choose to live overseas in a cheaper environment will I still get full pension and is there a time limit to how long I can stay out of the country I am single with no dependents and I have no super to collect.

    regards bill

    • Staff
      Elizabeth | January 7, 2015

      Hi Bill,

      Thanks for your question.

      You will need to check the income and asset test limits on the Department of Human Services website to see how much you may qualify for for the Age Pension. As I’m unaware of your current benefits specifically I’m unsure if these will change. You will need to see if your assets fall below the test limits to see the maximum you will qualify for. You are able to move overseas and still receive the pension, please see the section on this page titled ‘Can I get the Age Pension while living overseas?’

      If you have further questions regarding your personal situation you might want to get in touch with the Department of Human Services directly.

      I hope this has helped.

      Thanks,

      Elizabeth

  52. Default Gravatar
    bruce | January 5, 2015

    I have been living in Thailand for 26 weeks,according to centrelink I have to return to Australia ,or my pension will stop. how long do I have to stay in Australia before I can return to Thailand?

    • Staff
      Elizabeth | January 6, 2015

      Hi Bruce,

      Thanks for your question.

      Without knowing what type of Centrelink payments you receive I’m unsure what 26-week rule you’re referring to, or if there is a time period you have to adhere to. You might want to get in touch with Centrelink directly to confirm how long you’d need to stay and any other terms that may apply.

      Thanks,

      Elizabeth

    • Default Gravatar
      | January 6, 2015

      thanks for your reply, I have just rang centrelink ,and was told that I have to return to Australia or my pension will stop, so I rang again ,and spoke to a different person,who told me that I can stay here,the only difference being,that I will be paid monthly instead of fortnighty, so it must depend on who you speak to at centrelink.

  53. Default Gravatar
    Margaret | January 5, 2015

    I have lived here for 43 years & now would like to go back & live in the uk, I have worked in the uk for 5 years would I b entitled to a uk pension.

    Thank u
    Regards Margaret

    • Staff
      Shirley | January 6, 2015

      Hi Margaret,

      Thanks for your question.

      Please note that we can only provide general advice regarding the Australian Age Pension. For information about the UK pension, please enquire with the official Government body that handles social security in the UK.

      Cheers,
      Shirley

  54. Default Gravatar
    Gina | January 3, 2015

    Hi Shirley,
    I’m an Australian ctizen and so is my mum.She’s 82 and receives the 10 year residence age pension in Greece.I am planning to return to Australia soon but she wants to come over and live there permanently so she won’t be on her own.Will her pension amount change (due to her age) on return or will it remain the same?Someone told her that she’ll have a change atfer residing permanently for another two years.Is this true?She has no property or other assets…Wouls she ever be entitiled to a full pension?
    Thank you for your time.

    • Staff
      Shirley | January 5, 2015

      Hi Gina,

      Thanks for your question.

      I’m assuming that your mother currently receives the Australia age pension while she is living in Greece. Upon her return with you to Australia, her pension shouldn’t change unless her the amount of her assets or income does. The pension rate also changes the longer your mother resides outside of Australia, depending on how long she has been an Australia resident for. Please also remember to notify Centrelink when your mother does return to Australia.

      Please also note that foreign pensions need to be included in the income test; if she stops receiving this amount you will also need to notify Centrelink. Generally a full pension applies to residents who can meet the income and assets test thresholds – for more information about this, please get in touch with the Department of Human Services directly.

      All the best,
      Shirley

  55. Default Gravatar
    Alan | January 3, 2015

    I came to Australia on a 457 Visa in July 2002 I became an Australian permanent resident in 2008, I then became a Australian Citizen in August 2011. I am 75 years of age, 76 in February 2015 at present I receive a UK pension. I do not have any other income or assets.

    My question is am I entitled to an Australian pension having lived here for 12 years and six months. Or am I entitled to any other benefits.

    • Staff
      Shirley | January 5, 2015

      Hi Alan,

      Thanks for your question.

      You may be eligible for the Age Pension given that you have been an Australian resident for a period of more than 10 years. Please note that your pension from the UK will be included in the income test for the age pension.

      If you would like to submit a claim, please do this through the Centrelink website.

      Cheers,
      Shirley

  56. Default Gravatar
    Raffaele | January 1, 2015

    I was born February 1952 in Italy and came to Australia 1958. Married in 1971, went back to Italy 1972 and had my own business for 25 years, came back to Australia 1997.Injured myself in 2003 and can not work any more. Insurance is paying me weekly wages till I reach age 67, and than I go on the pension. Can I claim anything from the Italian government for those 25 years I worked in Italy. Thank you. Raffaele.

    • Staff
      Shirley | January 5, 2015

      Hi Raffaele,

      Thanks for your question.

      Unfortunately we can only provide general advice regarding the Age Pension in Australia. Please get in touch with the official Government body that handles social security enquiries regarding your enquiry.

      Cheers,
      Shirley

  57. Default Gravatar
    antonio | December 31, 2014

    I am 65 years old.Can I travel overseas for three months?

    • Staff
      Shirley | January 5, 2015

      Hi Antonio,

      Thanks for your question.

      You can generally be paid Age Pension for the whole time you travel outside of Australia, though your rate will change if you intend to travel for more than 26 weeks.

      Cheers,
      Shirley

  58. Default Gravatar
    So | December 31, 2014

    I’ve bust my but working all my life, I was born here, and will not be allowed a pension when I retire, because I was born after 1963, But any boat person that floats in and claims refugee status, gets a job and works for the next 5 year and retires is allowed a pension. Australia the Joke!

  59. Default Gravatar
    Michael | December 30, 2014

    I lived in Australia from january 1969 to 1979.I became a Australian citizen in April 1974.I lived outside Australia from May 1974 to Febuary 1976.Am I entiteled to any pension as I turn 65 in January 2015.I havent lived in Australia since 1919

    • Staff
      Shirley | December 30, 2014

      Hi Michael,

      Thanks for your question.

      To be eligible for the age pension you need to have been an Australian resident for a continuous period of at least 10 years or for a number of periods that total more than 10 years.

      Centrelink will also look at the following:
      “- the nature of your accommodation, and
      - the nature and extent of your family relationships in Australia, and
      - the nature and extent of your employment, business or financial ties with Australia, and
      - the frequency and duration of your travel outside Australia, and
      - any other matter they think is relevant”

      Cheers,
      Shirley

  60. Default Gravatar
    jj | December 29, 2014

    Can I receive a part pension at age 60. I have no disabilities.

    • Staff
      Shirley | December 29, 2014

      Hi JJ,

      Thanks for your question.

      Please note that the residency, asset and income tests still apply for a part pension. You can also use the payment finder tool from Centrelink to see what benefits you’re eligible for.

      Cheers,
      Shirley

  61. Default Gravatar
    bulafm | December 28, 2014

    Hi,

    Am 63 now. Have worked and lived in the UK for five years and in Australia since I left the UK. Am a citizen now and have been working here for the last 8 years.

    Can the amount of years worked in UK taken into account if I want to have pension here now?

    Thanks

    • Staff
      Shirley | December 29, 2014

      Hi Bulafm,

      Thanks for your question.

      The Social Agreement between UK and Australia was terminated in 2001, so the years of residency in the UK may not be able to be included in your claim for the Australian age pension.

      For more information, please see this page.

      Cheers,
      Shirley

  62. Default Gravatar
    AA | December 23, 2014

    What is the update on Indians receiving the 65+ pension overseas and in India? I am an Australian and want to retire in India when I turn 65 next month.

    • Staff
      Shirley | December 24, 2014

      Hi AA,

      Thanks for your question.

      The Social Agreement between Australia and India is scheduled to start on 1 July 2015, subject to completion of legal and treaty processes in both countries.

      Cheers,
      Shirley

  63. Default Gravatar
    Diane | December 23, 2014

    I am a Canadian citizen. I have been offered a permanent university appointment in Australia. I am 60 and plan to work until retirement age. Will I be eligible for an Australian pension?

    • Staff
      Shirley | December 23, 2014

      Hi Diane,

      Thanks for your question.

      You may be eligible if you can use your years of residency in Canada towards your claim for the Australian Age Pension.

      Please see the details of the Social Agreement between Australia and Canada here.

      Cheers,
      Shirley

  64. Default Gravatar
    mark | December 22, 2014

    i have been in australia since age 4. If I leave after I get my preserved benefit at age 56. and live overseas , I will have 54 yeats of continuous residence. If I reside in a non treaty country for the next 12 years until i am eligible for aged pension , can I return and claim. how long will I have to reside in australia in order to be eligible.

    • Staff
      Shirley | December 22, 2014

      Hi Mark,

      Thanks for your question.

      You need to be an Australian resident on the day you lodge your claim, and be physically present in Australia on the day you lodge your claim and need to have been an Australian resident for a continuous period of at least 10 years, or for a number of periods that total more than ten years.

      Cheers,
      Shirley

  65. Default Gravatar
    michael | December 20, 2014

    Hi Shirley, with respect, I do not think you read my letter correctly, six years plus six years is twelve years. Regards Michael.

    To continue. Do my wife & I qualify for an Australian age pension. Thank you.

    • Staff
      Shirley | December 22, 2014

      Hi Michael,

      Apologies, I had misread your question.

      If you and/or your wife were Australian residents for a continuous period of at least 10 years, or for a number of periods that total more than ten years, with one of the periods being at least five years (during your time in WA and Victoria) then you may be eligible for the age pension.

      Centrelink will also look at other things such as:

      - the nature of your accommodation, and
      - the nature and extent of your family relationships in Australia, and
      - the nature and extent of your employment, business or financial ties with Australia, and
      - the frequency and duration of your travel outside Australia, and
      - any other matter they think is relevant

      Cheers,
      Shirley

  66. Default Gravatar
    michael | December 19, 2014

    my wife, son & I emigrated to Australia in March 1981 & was employed by W.M.C. in Kambalda. W.A. for six years & P.S.S. in Portland, Victoria for six years. We left Australia in September 1993 to return to Guernsey, Channel Isles, Great Britain. do my wife & I

    • Staff
      Shirley | December 19, 2014

      Hi Michael,

      Thanks for your question.

      Please refer to the residency, assets and income test above. Due to the termination of the social agreement between Australia and the UK and assuming that you’ve been an Australian resident for six years, you may not be eligible for the age pension.

      Cheers,
      Shirley

  67. Default Gravatar
    Fatusta | December 17, 2014

    My wife and I have lived apart for many years. We are not divorced for religious reason. She lives in the UK and I live in Australia. We have totally seperate lives. My questions:

    1. Assuming I’m entitled to a pension will I be assessed as a single or couple?
    2. On the question of assessment of the assets will assets in the name of my wife be considered?

    I will appreciate your advice.

    • Staff
      Shirley | December 18, 2014

      Hi Fatusta,

      Thanks for your question.

      This enquiry is best directed to Centrelink, as they are the ones who will assess your application. Centrelink will consider the finances, social relationships, nature of your household, presence of absence of a sexual relationship and the nature of commitment.

      If Centrelink deems you and your wife to be a couple, then your wife’s assets are included as part of the assets test. However, if Centrelink deems you to be single then her assets are not included.

      Cheers,
      Shirley

  68. Default Gravatar
    Joseph | December 17, 2014

    By 31 December 2014 I will receive $100,000 as compensation out of court pay settlement. I will be 65 on 2 August 2015. How can this payment effect a government pension ? My wife’s DOB: 27.03.1950. Most our money is in wife’s super.

    • Staff
      Shirley | December 17, 2014

      Hi Joseph,

      Thanks for your question.

      This could affect your assets test, as Centrelink will look at the amount of funds in your bank accounts. Assuming that one partner eligible, combined assets for homeowners full pension assets the threshold in the asset test is $286,500. For more information about your eligibility, please get in touch with Centrelink.

      Cheers,
      Shirley

  69. Default Gravatar
    Janet | December 14, 2014

    I am a permanent resident & have lived in Australia for three & a half years, my British pension was frozen when I left the UK so I have been living on my capital which is now depleted & a concern, I have been looking for employment for two years now without success. I intend to apply for citizenship in 2015, will I qualify for a subsidised Australian pension to bring me up to the recommended level

    • Staff
      Shirley | December 15, 2014

      Hi Janet,

      Thanks for your question.

      The social agreement between Australia and the UK was terminated in 2001. This could mean that you may not be able to use your years of residency in the UK for your claim towards the Australian age pension.

      If you have any questions or concerns, please get in touch with the Department of Human Services directly.

      Cheers,
      Shirley

  70. Default Gravatar
    Ray | December 13, 2014

    Iturn 65 in Feb, 2015 and I am eligible for the Aged pension, but my wife is only 62 and not working and does not receive and Govt payments, is she entitled to any assistance?

    • Staff
      Shirley | December 15, 2014

      Hi Ray,

      Thanks for your question.

      Please use the Payment Finder tool available on the official Centrelink website.

      Your wife can submit her personal and financial details and the tool will generate a list of benefits that she may be eligible for.

      Cheers,
      Shirley

  71. Default Gravatar
    Paul | December 10, 2014

    Hi Team
    My Wife is about to turn 65 this month she doesn’t work and hasn’t for many years and she is about to apply to Centrelink for a pension card.
    I am 64 and still working and intend to work past 65 ,I earn approx $1200 per week.
    Would she be entitled to anything or would they consider that the household income is to high to receive any benefits

    • Staff
      Shirley | December 10, 2014

      Hi Paul,

      Thanks for your question.

      As a couple, collectively the household can earn up to $284 a fortnight before there is a reduction in the pension payment. Your wife may be eligible for a part pension rather than a full pension.

      Cheers,
      Shirley

  72. Default Gravatar
    rea | December 9, 2014

    HI – my relative is living with me (I’m 46) and he is turning 65 in jan2015. i earn $1916.00 gross per fortnight
    we pay rent at $160.00 total per week (shared)
    he has no assets, super or other income
    is he entitled to the full single age pension?
    rent assistance?
    thank you !

    • Staff
      Shirley | December 9, 2014

      Hi Rea,

      Thanks for your question.

      According to the income test, as a single, your friend can earn up to $160 per week before there is a reduction in his age pension.

      Unfortunately we can’t comment on rent assistance. It’s advisable that you speak to Centrelink regarding this as they are the ones who will assess your friend’s claim.

      Cheers,
      Shirley

    • Default Gravatar
      rea | December 9, 2014

      Thanks Shirley – so to clarify – my own income has no influence on him getting the pension?

      sorry – probably a silly question, just a bit confused :-0

    • Staff
      Shirley | December 10, 2014

      Hi Rea,

      No worries, happy to clarify.

      It depends on your relationship with your relative. If you’re married, in a registered relationship or in a defacto relationship then the income test figures are different.

      If none of these are relevant then your relative can refer to the ‘single’ income threshold.

      Cheers,
      Shirley

    • Default Gravatar
      rea | December 11, 2014

      great – nope – not a relationship, just an elderly relative living with me, we are both single (sorry for making clear, sometimes it is easy to know what we are talking about and forget others don’t know the full ‘story’)

      thanks again Shirley :-)

  73. Default Gravatar
    Toni | December 8, 2014

    My husband has lived in Australia since he was 8 years old from England. He has paid taxes since he was 15.
    Is he eligible for the Pension or does he have to become an Australian Citizen. He is here on a permanent resident visa
    Thanks
    Toni

    • Staff
      Shirley | December 9, 2014

      Hi Toni,

      Thanks for your question.

      An Australian resident is a person who is living in Australia and is a permanent visa holder. So his years of residency in Australia can count towards his claim for the age pension.

      Cheers,
      Shirley

  74. Default Gravatar
    Janice | December 8, 2014

    is there any Government program to sign up to if you are 65 and continue to work

    • Staff
      Shirley | December 8, 2014

      Hi Janice,

      Thanks for your question.

      You can use this Payment Finder tool on the Centrelink website to see if you’re eligible for any Government benefits based on your situation.

      Cheers,
      Shirley

  75. Default Gravatar
    Margaret | December 6, 2014

    My daughter who was born in New Zealand and now a naturalised Australian spent the last 10 years working in the UK decided 6 months ago to come to Australia to live and work. She moved in with me (an aged pensioner) 6 months ago until she found a permanent job when she intends to get a flat. As at this time she has not been able to find a permanent position so is still with me.

    What I want to know is, will this affect my aged pension in anyway? Is there a time limit that she can stay with me before it affects my pension?

    Margaret

    • Staff
      Shirley | December 8, 2014

      Hi Margaret,

      Thanks for your question.

      It’s best to let Centrelink know that your daughter as moved in with you, as you’re required to inform them of any changes to your situation.

      In terms of the amount of age pension you receive, this amount shouldn’t change unless your daughter has increased the amount of income or assets that you receive.

      Cheers,
      Shirley

  76. Default Gravatar
    Alexis | December 4, 2014

    Hi Team,

    In February next year, both of my parents will have reached the required age to receive the aged pension.

    They are currently home owners, and sit well below the lower threshold asset limit. They’re looking to sell their home as property prices are at an all time high where they live, and also because they have a large mortgage that they don’t want to have the burden of when they retire.

    If they sell their home, even with the proceeds they receive from the sale (after paying out their mortgage) , they will be under the lower threshold asset limit for non-homeowners.

    They’re trying to find out how the gifting rules apply in this instance. From what we’ve read & interpreted, if you’re gifting assets so that you fall under the lower threshold to maximise your pension benefit then the amounts are taken into consideration and your pension benefit is adjusted accordingly. However, if you already fall under the asset limit threshold (as a home owner, or non-home owner) and you then decide to gift to family members, do you know if there is any implication to the pension calculation?

    Any assistance on this would be greatly appreciated. My parents are trying to make a decision about their home, but of course they want to ensure that they’re not jeopardising anything with regards to payment of their pension.

    Many thanks :)

    • Staff
      Shirley | December 4, 2014

      Hi Alexis,

      Thanks for your question.

      It’s advisable to get in touch with Centrelink to discuss your enquiry. However, I’ve provided some information below that may be able to help.

      Your parents can give away money, other assets or income to any value they choose at any time. However, the rate of income support payment they may receive may be affected if it is worth more than the allowable gifting amount. Your parents have a gifting free area of $10,000 per financial year, limited to $30,000 per 5 financial years.

      Any gift or gifts with a total value greater than the allowable amounts will be assessed as a deprived asset for 5 years from the date of gift and will be subject to the income deeming provisions. For more information about deeming, please see this page.

      All the best,
      Shirley

  77. Default Gravatar
    Kathy | November 30, 2014

    Hi Team

    My father recently turned 65. He lived and worked in Australia between the age of 17 – 54. He then moved to London to live with me in 2005. It is therefore nearly 10 years since he has lived in London (and he has returned to Australia infrequently, less than 45 days since his departure).

    Does my father therefore fail the residency test, and therefore entitlement to a pension as he has not been living in the country continuously for a period of 10 years prior to the Qualification Date?

    It seems someone can work and pay taxes in Australia for 40 years, move for lifestyle reasons, and then cease to be eligible for a pension?

    Thank-you and Kind regards
    Kathy

    • Staff
      Shirley | December 1, 2014

      Hi Kathy,

      Thanks for your question.

      It sounds like your dad was an Australia resident of 10 years or a period totalling up to 10 years he has generally passed the residency test. He may be eligible for the age pension.

      An Australian resident is defined as someone living in Australia. Centrelink will also look at the following when he submits his claim:

      “-the nature of your accommodation, and
      -the nature and extent of your family relationships in Australia, and
      -the nature and extent of your employment, business or financial ties with Australia, and
      -the frequency and duration of your travel outside Australia, and
      -any other matter we think is relevant”

      All the best,
      Shirley

    • Default Gravatar
      Kathy | December 2, 2014

      Hi Shirley

      Thank you for your prompt response.

      My father passes the residency test because he has lived in Australia for 10 years, but is unlikely to pass the Australian resident definition because he has very limited links to Australia now.

      Due to health reasons he is prohibited from travelling to Australia to resolve this.

      I have been trying to resolve whether or not he is entitled or not via Centrelink without success for some time now and the government line for “Australians living overseas” is dead. Can you suggest which number is best to resolve the matter for Australians overseas?

      Many thanks
      Kathy

    • Staff
      Shirley | December 2, 2014

      Hi Kathy,

      Please see this page for a list of phone numbers available for Centrelink. The one that’s relevant to the Age Pension is probably the best number to call.

      Cheers,
      Shirley

    • Default Gravatar
      Kathy | December 3, 2014

      Thank you Shirley.

      One final question, in terms if the Income Test – please can you let me know if dividend income is included in this test?

      Also is income calculated as gross or net income?

      e.g Rental property income maybe 20k p.a but expenses maybe 10k p.a.

      Gross or net?

      Thank you
      Kathy

    • Staff
      Shirley | December 3, 2014

      Hi Kathy,

      Thanks for your question.

      Distribution or dividends from private trusts and private companies are considered as assessable income.

      It depends on the type of income; Centrelink takes into account gross employment income but net business income/real estate income.

      Please see this link for more information.

      All the best,
      Shirley

    • Default Gravatar
      Kathy | December 3, 2014

      Thanks Shirley!!

    • Staff
      Shirley | December 3, 2014

      You’re welcome Kathy!

  78. Default Gravatar
    ella | November 27, 2014

    Dear Shirley,

    Do bear with me!

    I was living there continuously from 0-21.5 yrs old. So that would be enough?

    Ella

    • Staff
      Shirley | November 28, 2014

      Hi Ella,

      It’s likely that you’ll meet the residency requirements of 10 years.

      However, please note that the success and decision of your claim is up to the discretion of Centrelink.

      All the best,
      Shirley

  79. Default Gravatar
    peter | November 27, 2014

    i will be reaching the age of 65 years come june 2015; and am considering moving overseas for a cheaper alternative lifestyle; is it a requirement that one must remain in Australia for a period of 2 years whilst receiving the pension before moving overseas??…..

    • Staff
      Shirley | November 28, 2014

      Hi Peter,

      Thanks for your question.

      On the Centrelink website it states that, “If you have returned to live in Australia within the last 2 years and you have started receiving Age Pension during this period then you will not be paid for any departures until the 2 year waiting period has passed.”

      However, if you’ve been in Australia that whole time you generally will still be paid the age pension the whole time you’re outside of Australia. You will usually need to have lived in Australia as an Australian resident for 35 years in order to continue receiving your full rate of Age Pension after departing Australia for 26 weeks.

      All the best,
      Shirley

  80. Default Gravatar
    ella | November 26, 2014

    Do I have to be a resident for the LAST 10 years or a 10 years?
    My mother and siblings are all in Australia and as a girlny I worked for Sydney Uni for just over 3 years.

    • Staff
      Shirley | November 27, 2014

      Hi Ella,

      Thanks for your question.

      It can be a continuous period of 10 years, or periods totalling up to 10 years.

      Cheers,
      Shirley

  81. Default Gravatar
    Ross | November 25, 2014

    Regarding age pension, turned 65 Aug 2014 granted age pension 3/11/14 received my first payment on 17/11/14. I travelled overseas the same week and have received a letter saying my pension is suspended. Would the reason for this be because I travelled extensively over the past 5 years, probably spending half that time outside Aust. I was under the impression if you spent more than 35 years working life in Aust. you receive pension when overseas. or now do I have to reside in Aust. for this 2 year period to receive my pension. Seem a harsh rule after spending 45 years plus your working life in Aust. Look forward your comments
    Regards Ross

    • Staff
      Shirley | November 26, 2014

      Hi Ross,

      Thanks for your question.

      Unfortunately we can’t really speak for Centrelink, it might be best to get in touch with them directly to see what happened.

      If you intend to leave the country for a period of more than 6 weeks you’re supposed to let Centrelink know. Generally you will still be paid the age pension for the whole time you’re outside of Australia.

      Cheers,
      Shirley

    • Default Gravatar
      | November 26, 2014

      Hi Shirley, thanks, have contacted centre link but as yet waiting there response to my queries.
      Regards Ross.

    • Default Gravatar
      TJ | November 26, 2014

      Hi Ross,

      I am interested to see the response from Centrelink to your queries, if you don’t mind.

      Regards,

      TJ

    • Default Gravatar
      | December 2, 2014

      Hi TJ, been a week and as yet no reply from centre link on my enquiries’, but after reading much info on the requirement it appears that if you do not remain in Australia for two years if you been overseas before applying then I think you exempt for a two year period before you receive the pension. This is even if you spent your whole working life in Australia, keep you informed if the finally get back to me.
      Regards Ross.

  82. Default Gravatar
    ella | November 25, 2014

    I am an Australian citizen born in June 1952.
    In December 1973 I went to London on a holiday and then in October 1974 I moved to Italy where I have been ever since. My Italian husband has recently died. I am not an Italian citizen.
    Will I be eligible for any pension at all?
    Thank you.

    • Staff
      Shirley | November 26, 2014

      Hi Ella,

      Thanks for your question.

      To be eligible for the age pension you need to have been an Australian resident for a continuous period of 10 years.

      Centrelink will look at:
      “-the nature of your accommodation, and
      -the nature and extent of your family relationships in Australia, and
      -the nature and extent of your employment, business or financial ties with Australia, and
      -the frequency and duration of your travel outside Australia, and
      -any other matter we think is relevant”

      If you feel as though you have meet this requirement, as long as the asset/income tests, then you can submit a claim through Centrelink.

      Cheers,
      Shirley

  83. Default Gravatar
    nanda | November 24, 2014

    Dear Shirley,

    Thank you for your reply; I just posted a follow-up question seeking clarification on a point you raised in your reply and I received an immediate response, possibly not from you, stating…”you are posting comments too quickly, slow down”.

    What do I do next? Send you my “reply” again later today or tomorrow OR wait and hope that my query is somewhere there in cyber space and you will respond sooner or later?
    Thanks: Nanda

    • Staff
      Shirley | November 24, 2014

      Hi Nanda,

      Thanks for your enquiry. Unfortunately your follow up questions didn’t come through – we apologise for any inconvenience this may have caused.

      If you’d like you can post it through again, or you can email me through shirley@finder.com.au.

      Cheers,
      Shirley

  84. Default Gravatar
    Monica | November 22, 2014

    I am in Australia from 2009 I am an Australian Citizen I am 50 years old and I have no job.I am married with an Australian citizen from 2009.Would I get pension when I retired from age if I will go back to my country overseas?
    I lost already 5 years in Australia since 2009 and I couldn’t find a job.I have Bachelor and Master from my country Romania but very hard to get a job in Australia.
    If I will sometime return back to my country would I will have some retirement from the age when I will retire?

    Regards,

    Monica

    • Staff
      Shirley | November 24, 2014

      Hi Monica,

      Thanks for your question.

      Since you’ve been an Australian resident for 5 years, you may not be eligible for the age pension as the requirement is 10 years of residency.

      If you leave Australia, you can still receive pension. However, if you intend to leave for a period that’s more than 26 weeks, your rate could reduced depending on how long you were an Australian resident for. Please see this page for more information.

      Being an Australian resident requires that you live in Australia. Centrelink will look at your overall situation including the nature of your accommodation and the frequency and duration of your travel outside of Australia.

      Cheers,
      Shirley

  85. Default Gravatar
    nanda | November 21, 2014

    I am writing on behalf of my widowed 85 year old sister who recently arrived in Australia from India on a Permanent Resident Visa. She is an Indian citizen. She arrived in mid-November last year (2013)and intends to stay here permanently.

    How long will she have to stay before she can even consider applying for an Old Age Pension?
    Is she eligible for any other benefits now and if not what are the minimum residency requirements before she may apply for any benefits?

    • Staff
      Shirley | November 24, 2014

      Hi Nanda,

      Thanks for your question.

      If the Social Agreement with India starts from 1 July 2015, your sister may be able to use her years of residence in India to help her meet basic eligibility requirements for the Age Pension.

      She’ll need to have been an Australian Resident for a continuous period of at least 10 years before she is eligible.

      In terms of other benefits, I’m not sure if she’ll be eligible. It’s best to get in touch with Centrelink directly to enquire about this.

      Cheers,
      Shirley

  86. Default Gravatar
    lynne | November 19, 2014

    I was born in July 1951, and I am 63, so can I retire on the pension now? I am female and Married,and My Husband is on a part pension.

    • Staff
      Shirley | November 19, 2014

      Hi Lynne,

      Thanks for your question.

      It’s likely that you’re not eligible for the age pension at this current point in time. For women born between 1 January 1949 and 30 June 1952, the eligible age pension age is 65.

      Cheers,
      Shirley

  87. Default Gravatar
    Joan | November 17, 2014

    Hi,
    I am looking at retiring soon and my accountant advised me I would be able to convert my super to a pension paying $500 per week until I am 92. I am currently 65 years of age, I have no assets other than my super and I wanted to know if I would be eligible to claim for some of the old age pension to supplement my superannuation weekly income

    Joan

    • Staff
      Shirley | November 17, 2014

      Hi Joan,

      Thanks for your question.

      This is very hard to say without knowing more information. As a single, you can have a fortnightly income of up to $160 before there is a reduction in your age pension. There is a 50 cent reduction for each dollar over $150.

      Cheers,
      Shirley

  88. Default Gravatar
    Steve | November 16, 2014

    Hi
    I moved to Australia from New Zealand in June 1999 and have lived and worked continuously for the past 15 years. Am I eliigible to receive the pension when I’m of age? So many rumors that if I arrived after 26 Feb 2001 I would not be eligible, or that recently (as of 2014) no New Zealander will be eligible for the aged pension.
    Can you shed some light on the current eligibility laws?

    • Staff
      Shirley | November 17, 2014

      Hi Steve,

      Thanks for your question.

      Under the Social Agreement between New Zealand and Australia, if you live in Australia and New Zealand you can lodge a claim for the Australian Age Pension. This agreement was put in place on 26 Feb 2011.

      In regards to residency requirements, you’ll need to be an ‘Australian resident’ for a continuous period of 10 years. There are assets and income tests that you’ll also need to take into account to determine your eligibility.

      Cheers,
      Shirley

  89. Default Gravatar
    graham | November 16, 2014

    My wife receive part disability pension & i get carers allowance.i work and receive approx $65000 pa. I take $36000 in wages and salary sacrifice $29000 to my smsf. I draw from my super $29000 pa as transition to retirement pension. I am 63 years old. Can I draw more than $29000 pa out of my super. If I do and it puts us over the income of $2790 per fortnight will we lose our benefits. Thanks Graham

    • Staff
      Shirley | November 17, 2014

      Hi Graham,

      Thanks for your question.

      Unfortunately your question is best directed at Centrelink, as we’re only able to provide general information regarding the Age Pension.

      Centrelink will be able to provide you with a more informed answer as they will be able to assess your situation closely.

      Cheers,
      Shirley

  90. Default Gravatar
    max | November 14, 2014

    I turn 65 on February 6th 2015, I am retired and travel overseas on a regular basis for holidays. Sometimes I am out of Australia for 3 months and sometimes up to 6 months, how would this affect my eligibility for the age pension?

    • Staff
      Shirley | November 17, 2014

      Hi Max,

      Thanks for your question.

      If you intend to travel outside of Australia for a period of more than 26 weeks your pension could be reduced, depending on how long you’ve been an Australian resident for. If you’ve been a resident for less than 35 years, your payment could be reduced.

      Please also be mindful that if you intend to be away for longer than 6 weeks, you should notify Centrelink.

      Cheers,
      Shirley

  91. Default Gravatar
    Neil | November 10, 2014

    Hi,

    Is the accommodation bond paid to the aged care facility included in the assets test for the pension?
    Thank you.

    • Staff
      Elizabeth | November 11, 2014

      Hi Neil,

      Thanks for your question.

      If the assets aren’t in your possession, ie. have been paid to a third party, then they aren’t considered yours and so won’t be counted as part of the assets test.

      I hope this has helped.

      Thanks,

      Elizabeth

  92. Default Gravatar
    Richard | November 7, 2014

    Hello!
    Can you tell me if I can live overseas and receive my Australian aged pension when i turn 65. My partner lives in the USA and I plan to move from Melbourne to the US within the next couple of years.

    Look forward to your response.
    Regards
    Richard

    • Staff
      Elizabeth | November 7, 2014

      Hi Richard,

      Thanks for your question.

      You’ll need to check your eligibility for the age pension and be physically present in Australia on the day you lodge your claim. If you’re eligible, you can check the section on this page above titled ‘Can I get the Age Pension while living overseas?’ for more information.

      I hope this has helped.

      Thanks,

      Elizabeth

  93. Default Gravatar
    | November 6, 2014

    Good morning, I am Italian living in Australia for over 17 years and working for 17 years. I do have a permanent resident. Am I entitle to have an age pension? If yes, in the event I will need to leave Australia to go back to Italy, will the pension be suspended? Thank you so much for your help

  94. Default Gravatar
    patrizia | November 6, 2014

    and also I know that I have to be physically in Australia to apply..but
    in the event I need to go back in Italy will I still get the age pension or it will be suspended? Thank you again

    • Staff
      Elizabeth | November 6, 2014

      Hi Patrizia,

      Thanks for your question.

      You seem to have met the residency requirements so you should be eligible for the age pension. For information on receiving the pension while living overseas, please read the section on the page above titled ‘Can I get the Age Pension while living overseas?’ which explains this in detail.

      I hope this has helped.

      Thanks,

      Elizabeth

  95. Default Gravatar
    patrizia | November 6, 2014

    Good morning, I am Italian living in Australia for over 17 years.Working in Australia for 17 years. I do have a permanent visa. Do I have the right to an age pension? Thank you so much

  96. Default Gravatar
    Janine | November 5, 2014

    Hi,

    If an age pensioner marries a person from overseas and they have a 2 year temporary residence visa in Australia but do not qualify for any Centrelink Payments, will the Age pension amount for the Age Pensioner be reduced from single to married rate?

    The overseas partner is below Age Pension Age but cannot speak English (impossible to gain employment) and has enrolled in a full time English course in order to gain employment in the future.

    Thank you for your time.

    • Staff
      Elizabeth | November 10, 2014

      Hi Janine,

      Thanks for your question.

      You will be considered as part of a couple and your combined income will be used to determine your eligibility for the age pension. You will need to check the payment rates for couple (combined) to see what you may be entitled to.

      I hope this has helped.

      Thanks,

      Elizabeth

  97. Default Gravatar
    Glenn | November 5, 2014

    Hi, I live in the USA and am a dual US/AU citizen. I was born and lived in AU for 27 years from age 16. I am eligible for the US Social Security benefit and in 3 years I will be eligible for the AU age pension. Will the amount I receive from my US pension affect the amount I would get from The AU age pension? I do not have any Super Guarantee from AU employment.

    • Staff
      Shirley | November 5, 2014

      Hi Glenn,

      Thanks for your question.

      It depends on how much you receive from your US pension. Income from outside Australia, including non-Australian pensions and other income from sources outside Australia.

      As a single, you can have an income of up to $160 per fortnight before there is a reduction in your pension.

      Cheers,
      Shirley

  98. Default Gravatar
    Mario | November 2, 2014

    how long i can stay overseas to receive my disability pension?

    • Default Gravatar
      Mario | November 2, 2014

      ok
      If I want to leave Australia to move to my country (Romania) AM I able to take my disability pension with me?

    • Staff
      Shirley | November 3, 2014

      Hi Mario,

      Thanks for your question.

      Please see this section I’ve taken from the Centrelink website;

      “If you leave Australia to live in another country you will not be paid DSP unless you:
      - are terminally ill
      - left Australia prior to 1 July 2004, and at the time of leaving you were told that you could be paid indefinitely, and you have not returned to Australia to live since that time
      - have been assessed in Australia prior to the departure as having a permanent, severe impairment and no future work capacity. Assessment involves a review of your DSP qualification and a Job Capacity Assessment, or
      - are severely disabled and your DSP can be paid under an international social security agreement Australia has with the country in which you are living in

      In these situations, you will continue being paid DSP while you are outside Australia but your rate of payment will change at certain points.”

      For more information, please get in touch with Centrelink directly.

      All the best,
      Shirley

    • Staff
      Shirley | November 3, 2014

      Hi Mario,

      Thanks for your question.

      When travelling overseas temporarily, you will generally only be paid DSP for up to 6 weeks. If you intend to leave for a period that’s more than 26 weeks, your DSP will depend on you residency status.

      For more information, please get in touch with Centrelink directly.

      Cheers,
      Shirley

  99. Default Gravatar
    eddie | November 2, 2014

    I want to go overseas for 3 weeks, must i notify the dept about this and what is the online or phone number.

    • Staff
      Shirley | November 3, 2014

      Hi Eddie,

      Thanks for your question.

      It would be good to notify Centrelink before you leave, please see this page for a list of ways you can get in touch.

      Cheers,
      Shirley

  100. Default Gravatar
    Ed | November 1, 2014

    In your response of 30 October to Carole I’m not sure but you seem to be suggesting a qualifying period of 35 years in Australia to be able to live permanently overseas and still receive the pension. Have I understood this correctly or is there a lesser period that allows me to qualify? (I’ve lived in Australia for 28 years.)

    • Staff
      Shirley | November 3, 2014

      Hi Ed,

      Thanks for your question.

      Yes on the Centrelink website it states that, “You will usually need to have lived in Australia as an Australian resident for 35 years in order to continue receiving your full rate of Age Pension after 26 weeks. If less than 35 years, you will receive a smaller rate of Age Pension after 26 weeks outside Australia.

      If you departed Australia before 1 July 2014, you will usually need to have lived in Australia as an Australian resident for 25 years in order to continue receiving your full rate of Age Pension after 26 weeks. If less than 25 years, you will receive a smaller rate of Age Pension after 26 weeks outside Australia.”

      Cheers,
      Shirley

  101. Default Gravatar
    Grace | October 30, 2014

    My husband and I got our pension few months ago, could you please let me know how much can he earn on a casual job a week with out loosing his pension and at what point can I loose my pension if he earn more than the legal limit, he is 66 this year and I’ll be 68. we are still paying our mortgage.

    • Staff
      Shirley | October 31, 2014

      Hi Grace,

      Thanks for your question.

      As a couple, you can both collectively earn up to $284 a fortnight before there is a reduction in your payment. If you earn over this threshold your payment is reduced by 50 cents for each dollar over $284.

      Cheers,
      Shirley

  102. Default Gravatar
    Michael | October 29, 2014

    Hello Im an Australian Citizen living in the UK. I was born on 22 July 1947 I am 67. I paid Australian Tax until 1988. I have permanent residency in the Uk but have retained my Australian citizenship. I am single. Am I eligible for an Australian pension of some kind?

    • Staff
      Shirley | October 30, 2014

      Hi Michael,

      Thanks for your question.

      To be eligible you need have been an Australia resident for a continuous period of at least 10 years or for a period that total more than ten years. An Australian resident means that Australia was your usual place of residence.

      There are also income and assets to consider (shown above). If you think you’re eligible for the Age Pension please also note that you’ll need to be physically in Australia on the day you lodge your claim.

      Cheers,
      Shirley

    • Default Gravatar
      Michael | October 30, 2014

      Thanks Shirley
      I lived and worked in Aust for more than 35 years. Plus I worked for the Aust High Commission in LOndon for 3–4 years paying Australian tax I understand I have to apply in Australia. The question is about eligibility
      Thanks
      Mike

    • Staff
      Shirley | October 31, 2014

      Hi Michael,

      It seems that you’ve met the residency requirement. Please check the income and asset test thresholds above to see if you qualify for the full age pension.

      When you submit your claim into Centrelink, the final decision will be made by them.

      Cheers,
      Shirley

    • Default Gravatar
      Charles | November 2, 2014

      I am on the old age pension and my wife who is 64 is on New start . My wife has been offered a part time job for a few hours a week. How much can she earn before it effects both of our payments.

    • Staff
      Shirley | November 3, 2014

      Hi Charles,

      Thanks for your question.

      For the Newstart Allowance you earn up to $100 a fortnight before there is a reduction in the payment. Between $100 and $250, there is a 50 cents from each dollar over $100. Over $250, there is a $75 reduction plus 60 cents for each dollar over $250.

      Cheers,
      Shirley

  103. Default Gravatar
    Carole | October 29, 2014

    I was born in London (1946), and emigrated at 18 to Australia.
    Now receiving a Old Age Pension.

    Is it possible to still receive the OAP if you decided to return to live in England.

    • Staff
      Shirley | October 30, 2014

      Hi Carole,

      Thanks for your question.

      Since you have lived in Australia as an Australian resident for 35 years, you can continue receiving your full rate of Age Pension after 26 weeks.

      However, please note that you should tell Centrelink if you intend to be away for longer than 6 weeks.

      Cheers,
      Shirley

  104. Default Gravatar
    Gary | October 24, 2014

    I am 67 yrs old and intending to apply for the pension.
    Is my superannuation balance counted as an asset?
    Does the income from my superannuation count against my eligibility for receiving a pension?

    Thank you
    Cheers
    Gary

    • Staff
      Shirley | October 27, 2014

      Hi Gary,

      Thanks for your question.

      Superannuation owned by you or your partner is included in the assets test, if the owner is over age pension age. Your superannuation fund us also included as part of your income test.

      Cheers,
      Shirley

  105. Default Gravatar
    John | October 23, 2014

    I will be 65 next year and intend to apply for the age pension.
    My wife has just obtained permanent residence in Australia and is not eligible for any social security benefits.
    What is the max asset threshold above which the DHS stops paying the age pension?
    Is it determined as if I am a single or a couple or in some other way?
    Thanks for reply
    John

    • Staff
      Shirley | October 24, 2014

      Hi John,

      Thanks for your question.

      The rate of payment for the Age Pension is calculated under both the income and assets tests. The results with the lowest rate, or nil rate, will apply. Please refer to the assets table above to see which threshold applies to you.

      Since you are married, it is likely that Centrelink will consider your situation as a couple.

      Cheers,
      Shirley

  106. Default Gravatar
    Margit | October 23, 2014

    I will turn 65 in November 2015. I lived in New Zealand from October 1995 until I moved to Australia in January 2000. I have lived in Australia since. Will my years in New Zealand automatically be added to my years in Australia to determine the total number of qualifying years? It will affect me if I decide to spend my retirement years in another country, as I will then only receive a pro rata pension.

    • Staff
      Shirley | October 24, 2014

      Hi Margit,

      Thanks for your question.

      Under the Social Agreement between Australia and New Zealand, you can add together your periods of residence in Australia and New Zealand, so you can meet the minimum requirements for payment.

      Cheers,
      Shirley

  107. Default Gravatar
    Nigel | October 22, 2014

    I became resident in Australia in 2004 and retired in 2006. Since then ive taken several extended holidays abroad usually for 4 months at a time every year with a 9 month holiday in 2007 and again in 2010 but remaining an Australian resident. Its now 2014. Ive been a resident for 10 years all bar the holidays. Would i be eligible for an old age pension. Its the extended holiday periods than im unsure weather i qualify or not for the old age pension.

    • Staff
      Shirley | October 23, 2014

      Hi Nigel,

      Thanks for your question.

      The decision will be made by the Department of Human Services. They will look at the following:
      “-the nature of your accommodation, and
      -the nature and extent of your family relationships in Australia, and
      -the nature and extent of your employment, business or financial ties with Australia, and
      -the frequency and duration of your travel outside Australia, and
      -any other matter they think is relevant”

      If you have any further questions, please get in touch with Centrelink directly as they will be able to give you a more informed answer.

      Cheers,
      Shirley

  108. Default Gravatar
    tom | October 17, 2014

    at 74 i am now retired what do i do

    • Staff
      Shirley | October 20, 2014

      Hi Tom,

      Thanks for your question.

      If you think you are eligible for the Age Pension based on the information on this page, please submit a claim through the official Centrelink website.

      All the best,
      Shirley

  109. Default Gravatar
    Helen | October 8, 2014

    Hi, I emigrated to Australia in July 1980, lived there until 2003, when I took an extended trip to Europe. I returned at the end of 2006 living and working until September 2007 when I sold my home of 20 years and moved to Italy where I have been living since. I turn 66 in December 2020 and would like to know if I need to come back to Australia and live for two years to qualify for an Australian Age Pension. With the change for full pension requirement changing from 25 to 35 years, will my period spent in Italy which has a recipricol agreement, count. The Italian pension is significantly lower than the Australian pension, which rate would apply in my case? Great site, many thanks for answering these questions.

    • Staff
      Elizabeth | October 9, 2014

      Hi Helen,

      Thanks for your question.

      To be eligible for the Australian age pension you need to have lived in Australia for a continuous period of ten years, which it sounds like you have (1980-2003). The agreement between Australia and Italy is mainly to cover people who have lived in both countries and need to use the time spent in one or the other to make up the residency requirements. As you meet the residency requirements, this will not be necessary.

      The pension you apply for is up to you, I’m unsure of the Italian age pension requirements but you may be able to reside in Australia and claim it. To claim the Australian age pension, you just need to satisfy the residency, income and assets tests and be physically present in Australia on the day you lodge your claim.

      Hope this has helped.

      Thanks,

      Elizabeth

  110. Default Gravatar
    James | October 4, 2014

    I,m 70 and on a age pension , I,m about to become homeless and with no permanent address will I still be paid the age pension ?

    • Staff
      Shirley | October 7, 2014

      Hi James,

      Thanks for your question.

      Unfortunately this is up to the discretion of Centrelink. You’ll need to tell them if your circumstances change when you are receiving a payment. If you don’t tell Centrelink about the changes within 14 days your payment may be affected.

      Hope this helps,
      Shirley

  111. Default Gravatar
    Christine | October 1, 2014

    I resigned from a permanent part time position to move to another location and now work on a casual basis. Why is my husband’s age pension much lower than mine (he doesn’t work at all). Both our pensions were the same when I was working p/t. If I stop working on a casual basis, what happens?

    • Staff
      Shirley | October 1, 2014

      Hi Christine,

      Thanks for your question.

      Unfortunately this is really hard to say without knowing more information. Did you report your change of situation to Centrelink? Has your income or assets changed significantly? Generally these two things can affect the rate of your pension.

      I’d recommend that you get in touch with Centrelink directly to discuss this, as they have your details on hand and would be able to provide an explanation.

      All the best,
      Shirley

  112. Default Gravatar
    Vivienne | September 30, 2014

    My father is 90 years of age and still living in his residence on his family grazing property. He only owns part of the land now and leases the greater amount to his son. At this age, is he still means tested to be eligible the pension?

    • Staff
      Shirley | October 1, 2014

      Hi Vivienne,

      Thanks for your question.

      Yes your father may be eligible if he’s reached pension age (which he is). Please keep in mind there are residency, income and assets tests for the age pension too.

      Cheers,
      Shirley

  113. Default Gravatar
    Adrian | September 30, 2014

    Does my family home value form part of the asset value amount I need to meet to qualify for an aged pension

    • Staff
      Shirley | September 30, 2014

      Hi Adrian,

      Thanks for your question.

      Your principal home is not included in the assets test for the Age Pension.

      Cheers,
      Shirley

    • Default Gravatar
      Adrian | September 30, 2014

      What about my Superannuation fund – does it form part of my asset value with respect to qualifying for an aged pension

    • Staff
      Shirley | October 1, 2014

      Hi Adrian,

      You or your partner’s superannuation is included in your assets under the assets test, if it is in the name of someone who is of age pension age.

      Cheers,
      Shirley

  114. Default Gravatar
    sandra | September 29, 2014

    I am an Australian resident but have been in & out of the country for 4 years. I am 57 years old & have lived most of my life here & have worked for more than 25 years in Australia. When I initially left Australia ( in Oct 2010) I was retired. Am I entitled to a government pension when I reach retirement age?

    • Staff
      Shirley | September 30, 2014

      Hi Sandra,

      Thanks for your question.

      Based on the information you’ve provided you may be eligible for the age pension. Please note that other factors will be taken into consideration such as your income and assets.

      Cheers,
      Shirley

  115. Default Gravatar
    Annette | September 29, 2014

    I will be nearly 64 when my Husband retires at 66. What Pension do I qualify for as I will not be employed?

    • Staff
      Shirley | September 30, 2014

      Hi Annette,

      Thanks for your question.

      Please get in touch with Centrelink directly to discuss what benefits you may be eligible for.

      Alternatively, you can use the Payment Finder link I’ve emailed you. This tool can assess your situation and let you know what you could be eligible for.

      Cheers,
      Shirley

  116. Default Gravatar
    | September 29, 2014

    do i have to wait two years after i get old age pension to move to another country

    • Staff
      Shirley | September 29, 2014

      Hi Bobskie.

      You need to have been an Australian resident for 35 years to continue receiving the full rate, so the number of years you need to stay in Australia after you’ve received the age pension depends on how long you’ve been a resident for.

      For more information, please get in touch with Centrelink directly.

      Cheers,
      Shirley

  117. Default Gravatar
    Sabina | September 28, 2014

    I am 65, turning 66 in January 2015 and working full time earning $ 44.000 a year. My husband is turning 63, working full time and is earning $65.000.
    Q.1 Am I entitled for any age pension benefits?

    Q. 2 I am planning to work part time from February 2015 (2 days earning around $ 16,000),and my husband will continue to work full time. What would be my entitlements than? Thank you.

    • Staff
      Shirley | September 29, 2014

      Hi Sabina,

      Thanks for your question.

      Based on the information you’ve provided, you may be able to receive a part pension.

      When you intend to work part time in Feb 2015, you may be still be eligible for part of the age pension but at a different rate. For more information, please see the income tests section for the age pension on the official Centrelink website.

      Cheers,
      Shirley

  118. Default Gravatar
    bobskie | September 27, 2014

    i have heard that the government has raised the age that i can move overseas after i am able to get old age pension from 2 years to 3 years is that correct if so when does it come into effect

    • Staff
      Shirley | September 29, 2014

      Hi Bobskie,

      Thanks for your question.

      You can generally be paid the Age Pension for the whole time you’re outside of Australia, regardless of whether you leave temporarily to live in another country.

      If you intend to leave Australia on or after 1 July 2014, you will usually need to have lived in Australia as an Australian resident for 35 years in order to continue receiving your full rate of Age Pension after 26 weeks. If less than 35 years, you will receive a smaller rate of Age Pension after 26 weeks outside Australia.

      Please note that these rules have already come into effect.

      Cheers,
      Shirley

  119. Default Gravatar
    John | September 25, 2014

    Hi, I am 58 years old, I was born in UK in 1956 with parents born in UK and migrated to Australia in 1965 where I became a naturalized Australian in 1974. Can I return to the UK permanently in 2015 and still receive the full age pension when I qualify at the age of
    66 and 6 months?

    • Staff
      Shirley | September 26, 2014

      Hi John,

      Thanks for your question.

      Please see this section I’ve taken from the Centrelink website, “If you depart Australia on or after 1 July 2014, you will usually need to have lived in Australia as an Australian resident for 35 years in order to continue receiving your full rate of Age Pension after 26 weeks. If less than 35 years, you will receive a smaller rate of Age Pension after 26 weeks outside Australia.”

      Cheers,
      Shirley

  120. Default Gravatar
    Mrs | September 18, 2014

    My husband is 68 and receiving a part pension ax he is working 3 days a week and earning approx $472 per week. I’m 63 and not working since March 2014. It has been suggested I should apply for Newstart can you confirm if I would be eligible and if there are work or volunteering requirements.

    • Staff
      Shirley | September 19, 2014

      Hi Mrs May,

      Thanks for your question.

      Unfortunately we are not in a position to confirm your eligibility for any Centrelink benefits. I’ve emailed you a link from the Centrelink website about eligibility for the Newstart Allowance, you can use this as a reference page.

      All the best,
      Shirley

  121. Default Gravatar
    david | September 17, 2014

    I now live in Ireland, I am 66 years of age and receive a UK pension. I am also a Australian Citizen and have lived and worked in Australia for 25 years. Would I be eligible for an Australian aged pension if I meet the assets and income rules?
    Cheers
    David

    • Staff
      Shirley | September 19, 2014

      Hi David,

      Thanks for your question.

      You need to have been an Australian resident for a continuous period of at least 10 years to be eligible for the age pension, and be physically in Australia on the day you lodge your claim.

      Please also note the following I’ve taken from the Centrelink website, “If you depart Australia before 1 July 2014, you will usually need to have lived in Australia as an Australian resident for 25 years in order to continue receiving your full rate of Age Pension after 26 weeks. If less than 25 years, you will receive a smaller rate of Age Pension after 26 weeks outside Australia. If you are already outside Australia on 1 July 2014, you can continue to receive your payment under the 25 year rule, unless you return and stay in Australia for 26 weeks or more.”

      If you meet all these conditions, you can submit a claim through Centrelink.

      Cheers,
      Shirley

    • Default Gravatar
      | September 19, 2014

      Hi Shirley
      I have not been to Australia for 3 years
      do I still have to return to Australia to claim, or can I claim from Ireland?

    • Staff
      Shirley | September 22, 2014

      Hi David,

      Unfortunately one of the eligibility requirements is that you need to be physically present in Australia on the day you lodge your claim.

      Cheers,
      Shirley

  122. Default Gravatar
    deb | September 15, 2014

    can I get a pension if I’m born after 1959

    • Staff
      Shirley | September 16, 2014

      Hi Deb,

      Thanks for your question.

      At the time of writing, if you’re born after 1959, you become eligible for the age pension at the age of 67.

      Cheers,
      Shirley

  123. Default Gravatar
    ilhan | September 15, 2014

    Do you have to have an Australian citizenship if born overseas , but have been in the country for nearly 40 years full time and haven’t left the country at all , to receive the age pension ?

    • Staff
      Shirley | September 16, 2014

      Hi Ilhan,

      Thanks for your question.

      You need to apply to be an Australian citizen. This is an option if you’re a migrant with permanent residence, a spouse of partner of an Australian citizen, a New Zealand citizen living in Australia, along with other situations.

      To be eligible for the age pension you need to be an Australian resident, resident meaning a citizen, permanent visa holder or a protected SCV holder.

      Cheers,
      Shirley

  124. Default Gravatar
    mark | September 11, 2014

    Hi i was just wondering if you can tell me if there is a year for example anyone borne after say 1970 will no longer be able to recieve an old age pension does this exist and is it the same in New zealand as Australia :)

    • Staff
      Shirley | September 12, 2014

      Hi Mark,

      Thanks for your question.

      Unfortunately we don’t know about New Zealand, but for Australia, your eligibility for the age pension depends on when you were born. The qualifying age for men born before 1 July 1952 is age 65.

      There’s nothing in the eligibility requirements that state that anyone born after 1970 is ineligible for the age pension. On the Centrelink website it states that, “from 1 July 2017, the qualifying age for Age Pension will increase from 65 years to 65 and a half years. The qualifying age will then rise by six months every two years, reaching 67 by 1 July 2023.”

      I’d assume after you reach qualifying age, you could be eligible depending on your financial and personal situation.

      Cheers,
      Shirley

  125. Default Gravatar
    Henry | September 10, 2014

    I will be retiring soon and have about 6 weeks annual leave owing to me which will be paid out as a lump sum.
    When will my pension commence, will it be immediately or will I have to wait 6 weeks before it starts.

    • Staff
      Shirley | September 12, 2014

      Hi Henry,

      Thanks for your question.

      If you have submitted your claim for the Age Pension and your claim is successful, then Centrelink will tell you when your payment will start and how much you will get paid.

      Cheers,
      Shirley

  126. Default Gravatar
    Lynelle | September 10, 2014

    If you hold duel citizenship (Aus & NZ) and have worked and lived in Australia since 1982 (previous working in New Zealand 7yrs, are you entitled to pensions in both countries.
    Remain living in Australia and have no thoughts of moving back.

    • Staff
      Shirley | September 12, 2014

      Hi Lynelle,

      Thanks for your question.

      While you may be eligible for the Australian Age Pension, I’m unsure if you’re eligible for the NZ Age Pension as we don’t know what the requirements are.

      Due to the social agreement between Aus and NZ, you may be able to use your years of residency in Australia to use towards your claim for your NZ pension.

      Please check the eligibility requirements of the NZ Age Pension to see if your qualify.

      Cheers,
      Shirley

  127. Default Gravatar
    Barry | September 8, 2014

    Hi.I am, male, 71 years of age, and came to live in Australia end of April 2005.I married in May 2005,and granted permanent residency in June 2007. due to a breakdown of my marriage in 2009, I now only have a “frozen“ UK pension of around $Aud 260.00 per week, and no assets other than a 10 year old car, and $Aud 6.500.00 in the bank.I live in rented accommodation, which is basic. Am I entitled to apply for any assistance, I.E pension help.

    • Staff
      Shirley | September 9, 2014

      Hi Barry,

      Thanks for your question.

      To be eligible the Age Pension you need to have been an Australian resident for a continuous period of at least 10 years. However, you may be eligible for other Centrelink benefits.

      You can submit a claim through the official Centrelink website, or get in touch with them directly to discuss your options.

      Cheers,
      Shirley

    • Default Gravatar
      | September 9, 2014

      thanks for info supplied so far, but at what time/ date does the 10 year continous qualifying period start. i.e with which visa, entry, temporary, or permanent.

    • Staff
      Shirley | September 10, 2014

      Hi Barry,

      Thanks for your question.

      Your residency period starts from when you become a permanent resident or citizen.

      Cheers,
      Shirley

  128. Default Gravatar
    Annie | September 8, 2014

    Hi,

    I have been an Australian resident and been living in Australia for 8 years including on and off for overseas. I will be living for another 2-3 years before staying in overseas for about 5 years (on and off) and back to Australia at least 2 years before applying for age pension.

    I will not have other income apart from interest from my small amount of savings. I have my own property worth about 700 grand. Will I be eligible for age pension? Will I be allowed to live overseas permanently after wards?

    Thanks,
    Annie

    • Staff
      Shirley | September 9, 2014

      Hi Annie,

      Thanks for your question.

      If the property that you’ve mentioned is your main residence, then you could be eligible for the age pension.

      On the Centrelink website it states that, “If you depart Australia on or after 1 July 2014, you will usually need to have lived in Australia as an Australian resident for 35 years in order to continue receiving your full rate of Age Pension after 26 weeks. If less than 35 years, you will receive a smaller rate of Age Pension after 26 weeks outside Australia.”

      All the best,
      Shirley

  129. Default Gravatar
    Mark | September 7, 2014

    Hi,
    My Father emigrated to Australia from the UK in 2005 and is receiving a ‘frozen’ UK pension. Dads total income including bank interest is around $24,000 per annum which mostly goes towards his care as he is now in a high care nursing home.
    As Dad will have been in Australia for 10 years next year I am wondering if he will be entitled to a part Australian pension considering his total income is above the current aged pension for a single person.
    Thankyou
    Mark

    • Staff
      Shirley | September 8, 2014

      Hi Mark,

      Thanks for your question.

      If you are single, the age pension payment reduces to $0 once your fortnightly income reaches $1,845.60. Considering that your father’s income is less than this amount, he may be eligible for a part pension.

      Cheers,
      Shirley

  130. Default Gravatar
    Simon | September 6, 2014

    I am a british citizen but I worked in Australia for 4/5 years am I entitled to a pension.

    • Staff
      Shirley | September 8, 2014

      Hi Simon,

      Thanks for your question.

      Unfortunately the social agreement between the UK and Australia was cancelled in March 2001, so your years of residency in the UK may not count towards your claim for the Australian age pension.

      Cheers,
      Shirey

  131. Default Gravatar
    Ron | September 4, 2014

    A friend of mine insists that if a single person owns two or more houses, then they will not be eligible to receive a pension at all.Is this correct?

    • Staff
      Shirley | September 5, 2014

      Hi Ron,

      Thanks for your question.

      It depends on the value of the properties that you own. If the values of the properties combined is over the assets test threshold, which in most cases it is, then your age pension payment is reduced.

      Please note your main residence is exempt from the assets test at the time of writing.

      Cheers,
      Shirley

  132. Default Gravatar
    Antonio | September 4, 2014

    Hello, i turned 65 in June 2014, i moved to Bali in 2013 for an extended holiday with family living here. I went back to Australia in April 2014 to apply and filled all the necessary documents out and even making a phone call from Centrelink telling them my situation and was told all okay to stay in Bali.

    I have lived in Australia since 1961 and i am a naturalized citizen. I have been rejected the aged pension, i have no assets in Australia and no where to reside as i had to sell my home as i could not afford the mortgage repayments. I cannot work as i have had a hip replacement and suffer acute arthritis, my wife is my carer.

    I have family my children in Australia my father-in-law, furniture which i have stored at a friends place and bank account. The Government is saying that i am no longer a resident of Australia, I cannot live in Indonesia permantly i do not have a kitas and cannot afford one so have have to return to Australia every 6 months or go to Singapore. I would appreciate any advice that you can give, Regards Abtonio

    • Staff
      Shirley | September 5, 2014

      Hi Antonio,

      Thanks for your question.

      Unfortunately there isn’t much advice we could give. When Centrelink assesses your residency situation, they look at the following;
      “-the nature of your accommodation, and
      -the nature and extent of your family relationships in Australia, and
      -the nature and extent of your employment, business or financial ties with Australia, and
      -the frequency and duration of your travel outside Australia”

      To be eligible for the Age Pension, you do need to meet the residency requirement. I’d recommend that you get in touch with Centrelink again to discuss what other benefits you could be eligible for. You might want to bring up your current situation with your health as well, as there could be benefits available for that.

      All the best,
      Shirley

  133. Default Gravatar
    LynD | September 3, 2014

    I am a NZ Citizen who has lived and worked full time in Australia since 1979. My husband is an Australian Citizen. We will reach the age of 60 early 2015 and can access our full $ in superannuation. As my parents still reside in NZ and are now elderly our thoughts are to retire to NZ on our Superannuation as self funded retirees until we reach the age of 66. Would we then be entitled based on our years of work in Australia, to receive the Australian pension whilst living in NZ??

    • Staff
      Shirley | September 5, 2014

      Hi Lyn,

      Thanks for your question.

      Based on the social agreement between Australia and New Zealand, you may be eligible for the age pension from Australia.

      Please note that to get your payment while outside Australia, you must continue to meet the qualification rules for that payment. For more information, please check out the Centrelink website.

      Cheers,
      Shirley

  134. Default Gravatar
    Neil | September 3, 2014

    Im 66 years old going to sell business as soon as possible Do I or can I apply for the pension now and have all forms recorded or do I wait until business is sold
    2
    My wife is 20 years younger is she eligible for a payment

    Thank you

    • Staff
      Shirley | September 5, 2014

      Hi Neil,

      Thanks for your question.

      You can submit a claim now, but Centrelink may not be able to determine your income until after your business is sold. I’d recommend that you get in touch with Centrelink to discuss your options.

      Unfortunately the age requirement for the pension is from 65 years of age, so your wife is not eligible.

      Cheers,
      Shirley

  135. Default Gravatar
    Gary | September 3, 2014

    I am an Australian citizen by birth who has been living overseas (permanently) for the last 5 years but I have been an Australian resident for 56 years. I am intending to return to Australia when I reach age 65, to apply for the pension. I understand I need to be ‘resident’ in Australia at the time I apply, but is it still a requirement of ‘residence’ that I must live in Australia for a 2 year period either before or after my application for an aged pension in order to be able to receive the pension when I return to live overseas?

    • Staff
      Shirley | September 3, 2014

      Hi Gary,

      Thanks for your question.

      On the Centrelink website it states that, “If you have returned to live in Australia within the last 2 years and you have started receiving Age Pension during this period then you will not be paid for any departures until the 2 year waiting period has passed. However, if you travel to a country that Australia has a social security agreement with, you may be able to continue to get your payment under that social security agreement.”

      All the best,
      Shirley

    • Default Gravatar
      Gary | September 3, 2014

      Shirley,

      Thank you very much for the prompt response. Not the news I was hoping for though. If any other expats out there have found a way around this issue, I would very much like to hear about it. Many Australian retirees have discovered that their superannuation and/or pension dollar goes a lot further in some other countries. I think the ’2 year’ rule is punitive to people who have worked hard and paid taxes all their working life and now simply wish to enjoy their retirement.

  136. Default Gravatar
    Susan | September 1, 2014

    I have a small super income which gives us an income of approx $480 a fortnight plus we own our own home. Will I qualify for the pension next year (my husband is a couple of years younger)?

    • Staff
      Shirley | September 2, 2014

      Hi Susan,

      Thanks for your question.

      As a couple, you can have an income of up to $284 per fortnight before there is a reduction in payment. If that amount is over $284, there is a 50 cent reduction per dollar over $284.

      You may still be able to quality for a part pension. To find out if you’re eligible, please get in touch with Centrelink, or submit a claim online.

      Cheers,
      Shirley

  137. Default Gravatar
    KEN | August 30, 2014

    I am an Australian resident and am eligible for the pension at 65. If I as planned, travel extensively for three years prior to turning 65 will that influence my eligibility when I come back to Australia to apply for the Age Pension. Must I live in Australia for at least two years prior to applying and can I continue travelling after receiving my pension?

    • Staff
      Shirley | September 1, 2014

      Hi Ken,

      Thanks for your question.

      As long as you can meet the 10 year residency rule, you should be eligible to apply for the age pension. You also need to physically be in Australian on the day you lodge your claim.

      Please note that if you intend to leave Australia, the amount of pension you receive depends on whether you’ve been an Australian resident for 25 years or more (please see the link I’ve emailed you).

      All the best,
      Shirley

  138. Default Gravatar
    Paula | August 29, 2014

    I am 65 next February and my husband is only 60 and works part time. Will I be entitled to a pension after February. We own our own home, and don’t have a lot of savings.

    • Staff
      Shirley | September 1, 2014

      Hello Paula,

      Thanks for your question.

      This is very hard to say without knowing your income and assets. Please refer to the tables above to see if your income and assets are within the Age Pension threshold.

      Remember to check the information regarding couples.

      All the best,
      Shirley

  139. Default Gravatar
    narayana | August 29, 2014

    21/2/1996-9/7/1999 New Zealand 3yrs 5 months
    10/7/1999-27/8/2006 Australia 7yrs 2 months
    28/8/2006 – 27/2/2014 USA 7yrs 6 months
    1/3/2014 – present Australia 0yrs 6 months
    Total 18yrs 7 months

    I am Australia citizen with above periods of my worlking age residency.Am I eligible for age pension if I complete 65 yrs on 19/04/2015.

    Thanks

    • Staff
      Shirley | September 1, 2014

      Hi Narayana,

      Thanks for your question.

      Australia has social agreements with NZ and the US, so the periods that you’ve listed could count towards your Age Pension 10 years residency requirement.

      All the best,
      Shirley

  140. Default Gravatar
    Colin | August 28, 2014

    I am a New Zealand citizen who has lived and worked in Australia continuously since 1987.
    I will be 65 in May 2015. Am I eligible for the full Australian pension?

    • Staff
      Shirley | August 29, 2014

      Hi Colin,

      Thanks for your question.

      Under the social agreement between New Zealand and Australia, you are allowed to add together your periods of residence in Australia and New Zealand, so you can meet the minimum requirements for payment.

      According to the social agreement, “you may be able to get the age pension if the total period of time you have lived in Australia and/or your periods of Working Age Residence in New Zealand add up to more than 10 years”.

      Cheers,
      Shirley

  141. Default Gravatar
    warrick | August 28, 2014

    I am currently a NZ citizen but was living in Australia between 2000 and 2003…ie I was resident on the qualifying date of 26th February 2001.
    I had a tax number at that time.
    As I am returning to live in Australia in 2015,can you confirm that I am eligible for the pension.My date of birth is 2nrd August 1946.

    • Staff
      Elizabeth | August 28, 2014

      Hi Warrick,

      Thanks for your question.

      To be eligible for the Australian pension you need to have been an Australian resident for a continuous period of ten years. Also, time spent in Australia prior to 27 February 2001 cannot count towards these ten years. As you were a resident for less than what is required, you won’t be eligible.

      Thanks,

      Elizabeth

  142. Default Gravatar
    Paul | August 26, 2014

    i arrived in Australia in November 1974 have been a citizen since March 1982. I will be 65 in October 2015. i have been living outside of Australia for the last 16 months. My question is do i need to come back to Australia for a qualifying period to be eligible to receive the pension. My aim is to settle in the Philippines as it is a cheap place to live.

    • Staff
      Elizabeth | August 26, 2014

      Hi Paul,

      Thanks for your question.

      To qualify for the age pension you need to have been an Australian resident for a continuous period of ten years and be physically present in Australia on the day you make your claim. There is no qualifying period, but you may want to read through the ‘Can I get the pension while overseas?’ section of this page for more information.

      Thanks,

      Elizabeth

  143. Default Gravatar
    George | August 26, 2014

    Does being a non paid director of a Australian company effect the age pension?

    • Staff
      Elizabeth | August 26, 2014

      Hi George,

      Thanks for your question.

      The eligibility for the age pension is affected by your income, assets, age and residency. If you have no income from this position then it shouldn’t affect your eligibility. For more information on your personal situation you can get in contact with the Department of Human Services.

      Hope this has helped.

      Thanks,

      Elizabeth

  144. Default Gravatar
    Judith | August 23, 2014

    I am an Australian citizen living in the USA,i WORKED IN AUSTRALIA FROM THE AGE OF 15-32,then married an an American. I am 74 years of age.DO I QUALIFY for any benifits from Australia

    • Staff
      Elizabeth | August 25, 2014

      Hi Judith,

      Thanks for your question.

      To be eligible for the age pension you need to have been an Australian resident for a continuous period of ten years and be physically present in Australia on the day you make your claim. As you lived in Australia for less than 25 years you’ll receive an amount proportionate to the years you were a resident. For more details, take a look at the ‘Can I get the age pension while living overseas?’ section on this page, or take a look at the Australian Department of Human Services website for more details.

      I hope this has helped.

      Thanks,

      Elizabeth

  145. Default Gravatar
    Ann | August 22, 2014

    My husband is 67 and retiring soon, I am 55 and not working at present. Will he be able to apply for the pension because of my age?
    Thanks

    • Staff
      Elizabeth | August 25, 2014

      Hi Ann,

      Thanks for your question.

      If he has reached the eligible pension age he will be able to apply, regardless of your age.

      Thanks,

      Elizabeth

  146. Default Gravatar
    Janine | August 22, 2014

    What does transitional home owner mean.

    • Staff
      Shirley | August 27, 2014

      Hi Janine,

      Thanks for your question.

      A transitional homeowner is someone who has sold their former home but has not yet bought a new home.

      Hope this helps,
      Shirley

  147. Default Gravatar
    chriswhite | August 22, 2014

    I am in UK from 30th May 2014 until Feb 3rd 2015 will I los residency?

    • Staff
      Elizabeth | August 25, 2014

      Hi chriswhite,

      Thanks for your question.

      You don’t lose residency when you leave the country for a short trip away. You might be referring to the requirement of the age pension that you be an Australian resident for a continuous period of ten years? For this requirement, you will need to be a resident for a continuous decade, or for periods that total more than a decade with one of the periods being at least five years. If you have been a resident for this amount of time already you can take holidays and leave the country without fear of losing your residency.

      Hope this has helped.

      Thanks,

      Elizabeth

  148. Default Gravatar
    Maureen | August 22, 2014

    Hello, I was born in the England, migrated with my parents at the age of 5yrs in 1956 and have lived here continuously ever since. I have not taken up Australian citizenship, am l eligible for an old age or disability pension?
    Thankyou

    • Staff
      Elizabeth | August 25, 2014

      Hi Maureen,

      Thanks for your question.

      You are classified as an Australian resident if Australia is your ‘usual place of residence’. As you have been living here continuously for the last fifty years, it is likely you will be considered a resident and be able to claim the pension. You can get in contact with the Department of Human Services directly to discuss your personal situation as your individual residency will need to be assessed (this is a standard procedure).

      Hope this has helped.

      Thanks,

      Elizabeth

  149. Default Gravatar
    Ang | August 22, 2014

    dear sir or madam,
    I’m 51 years old, i’m an Australian citizenship, and have been for over thirty years.
    what i’d like to know! is that i have the intention to move to Malta this year for life.

    when i reach retirement age can i receive the Australian pension over there, and how is it calculated since i left Australia before my retirement age.

    • Staff
      Elizabeth | August 25, 2014

      Hi Ang,

      Thanks for your question.

      To be eligible to receive the Australian pension you will need to have been an Australian resident for a continuos period of ten years (which you have been) and be physically present in Australia on the day you lodge your claim. So, if you plan to move to Malta you will need to return to Australia in order to apply for the pension, but then you can return to Malta and continue receiving it. Please refer to the ‘Can I get the Age Pension while living overseas?’ on the page above for detailed information on how your pension will be affected by you living overseas.

      Hope this has helped.

      Thanks,

      Elizabeth

  150. Default Gravatar
    Trevor | August 20, 2014

    Hello,in 6 years time I will be eligible for a pension.My wife and I are planning to sell the family home and move to a rural/residential property and live permanently on that property near the time of my pension eligibility.
    The question is,how much land would my wife and I live on before it makes me unable to apply for a pension?
    Is the situation on a sliding scale or abrupt cut off once a certain “acreage”has been exceeded?
    Thank you.

    • Staff
      Elizabeth | August 21, 2014

      Hi Trevor,

      Thanks for your question.

      Your principal home will be exempt from the asset test as long as it and any adjacent land, up to two hectares, are on a single title block and the land isn’t primarily used for commercial purposes. While in some circumstances all land may be exempt, generally any land that does not meet these requirements, or if you own land that is over two hectares, it will be subject to the assets test. This is outlined on the page above as well as in detail on the Department of Human Services website.

      I hope this has helped.

      Thanks,

      Elizabeth

  151. Default Gravatar
    Lynda | August 19, 2014

    My husband will turn 65 on 8 march 2015. He plans to retire because he has heart condition and his eyes are now failing, as a truck driver these are important factors. Can he avail of a single pension rate? I am 58 years old and plans to stop working same time as him considering that my health is fast detoriating too especially my leg for working overtime. I am currently working few hours in a nursing home. Can I avail of a carer’s pension?

    • Staff
      Shirley | August 19, 2014

      Hi Lynda,

      Thanks for your question.

      Centrelink may consider your situation as a couple.

      Please see this page regarding eligibility for carer payment.

      Unfortunately we can not say if you are or are not eligible for government benefits as we are not affiliated with Centrelink. Please speak to them directly to enquire about your situation.

      All the best,
      Shirley

    • Default Gravatar
      Lynda | August 20, 2014

      Thanks for the kind reply. Can you please tell me what is the best number to ring, I have tried several and got all wrong and to visit a branch in toowoomba the queue is longer, thanks

    • Staff
      Shirley | August 20, 2014

      Hi Lynda,

      No worries, we’ve hoped this has helped.

      I’ve emailed through Centrelink’s contact number.

      Cheers,
      Shirley

  152. Default Gravatar
    Hien | August 19, 2014

    Hi,
    I will soon qualify for a full age pension as a single non home-owner. I will work part time as a cabbie and earn between $10,000-$15,000 per year. What can I expect to receive in terms of a reduced pension? Can I claim a full pension until the end of each financial year and return a lump sum each year once my annual tax returns have been finalised?
    Your advice would be much appreciated.
    Regards,
    Hien

    • Staff
      Shirley | August 19, 2014

      Hi Hien,

      Thanks for your question.

      As a single income, you can earn up to $160 a fortnight before your pension get reduced. Earning over this amount means that there is a 50 cent reduction for each dollar over $160.

      In terms of claiming a full pension and returning a lump sum each financial year, this decision is up to Centrelink. They will assess your situation and will let you know if this is possible.

      Cheers,
      Shirley

  153. Default Gravatar
    Charles | August 18, 2014

    Hi, my mother owns her own house and receives the age pension. The house is becoming difficult for her to manage and I am looking at the possibility of demolishing the old house, subdividing the block and developing it into 3 smaller new properties, with my mum taking over one of these properties. I will fund the development and pay for the capital gains taxes, in exchange for the land, so my mother is not out of pocket. My question is, will this have an affect on her age pension?

    • Staff
      Shirley | August 19, 2014

      Hi Charles,

      Thanks for your question.

      You’ll need to see if this has an impact on her passing the income or assets test. If she is still within the thresholds then it’s likely her payment is not affected.

      Please keep in mind that you will need to inform Centrelink of any changes to her personal and financial situation.

      All the best,
      Shirley

  154. Default Gravatar
    jill | August 14, 2014

    if hubby is 65 and wife is 64 what is the pension amount wife can earn befor no pension is paid to hubby.

    • Staff
      Elizabeth | August 14, 2014

      Hi Jill,

      Thanks for your question.

      YOU will need to refer to the income test limits for couple (combined) which are outlined on the page above. The maximum you can earn as a couple before you will be ineligible for the pension is 2,769.60, but your pension payment rates start being reduced once you start earning over $284 per fortnight. You can refer to the page above or the Department of Human Services website for more information.

      Thanks,

      Elizabeth

  155. Default Gravatar
    Theo | August 14, 2014

    With a gift of $20,000 for how many years will this affect my pension?

    • Staff
      Elizabeth | August 14, 2014

      Hi Theo,

      Thanks for your question.

      This money will be considered under the ‘asset test limits’, which are outlined on the page above.

      Hope this has helped.

      Thanks,

      Elizabeth

  156. Default Gravatar
    James | August 13, 2014

    Hi,

    I read that the government are changing the rules regarding pension accounts and their inclusion towards the assets test at Xmas 2014.
    Can you please confirm that those who already have pension accounts their balances are excluded from the assets test?

    Kind Regards,
    James

    • Staff
      Elizabeth | August 14, 2014

      Hi James,

      Thanks for your question.

      If you are already receiving the age pension and have a pension account on 31st December 2014, then your balance will be subject to the current asset test rules. If you have a pension account but are not currently receiving the age pension, and apply for the age pension after the 1st January 2015, then the new asset test rules will apply. The new asset test rule will also apply if you decide to change your pension. For more information regarding your specific situation you may want to get in contact with the Department of Human Services directly.

      I hope this has helped.

      Thanks,

      Elizabeth

  157. Default Gravatar
    Erin | August 13, 2014

    I am an NZ Citizen living in AU for the past 4 years. If I continue to live here and choose to retire here am I not entitled to the pension?

    • Staff
      Elizabeth | August 14, 2014

      Hi Erin,

      Thanks for your question.

      Generally, New Zealand citizens are issued with a Special Category Visa when they arrive in Australia and are therefore considered to be Australia residents. To be entitled to receive the Australian pension you must be an Australian resident and be physically present in Australia on the day you lodge your claim. You will also need to meet certain age, income and asset requirements which are outlined on the page above and on the Department of Human Services website.

      I hope this has helped.

      Thanks,

      Elizabeth

  158. Default Gravatar
    Brian | August 12, 2014

    I am receiving and Australian aged pension with a part New Zealand component. How do I receive a statement of earnings for the New Zealand component or is this already included in the PAYG Payment Summary I have from Centrelink Australia. This also applies to me wife.

    • Staff
      Shirley | August 13, 2014

      Hi Brian,

      On the Centrelink website it states that, “The easiest way to access your Income Statement is by using one of our Express Plus mobile apps or accessing your Centrelink account online.”

      I’ve emailed you the link with a step by step guide.

      You’ll need to confirm with Centrelink if it’s already included in the PAYG Summary.

      All the best,
      Shirley

  159. Default Gravatar
    Keiji | August 11, 2014

    I was born in Japan in May 1964. I lived and worked in Australia from April 1987 to February 2007 (19 years 10 months). I became an Australian citizen in December 2006. Since February 2007 I have been working in the United States.
    Will I qualify for an Australian Age Pension when I turn 67 in May 2031? Have I already satisfied the 10 year residency rule? If not, how long will I have to return to Australia for, before qualifying?

    • Staff
      Shirley | August 12, 2014

      Hi Keiji,

      It sounds like you have satisfied the 10 year residency rule.

      Please note that Centrelink will also look at the following;
      “-the nature of your accommodation, and
      -the nature and extent of your family relationships in Australia, and
      -the nature and extent of your employment, business or financial ties with Australia, and
      -the frequency and duration of your travel outside Australia”

      Please also note that you will need to be physically present in Australia on the day you lodge your claim.

      Hope this helps,
      Shirley

  160. Default Gravatar
    Eric | August 11, 2014

    My wife’s son will be lodging with us for some 12 weeks and will be paying board. Will this rental affect the amount of pension we receive?

    • Staff
      Shirley | August 11, 2014

      Hi Eric,

      Assessable income includes “real estate income, including net income or losses from rental property, and income from boarders and lodgers.”

      If this increases your income over the threshold, then your pension may be reduced.

      Cheers,
      Shirley

  161. Default Gravatar
    linda | August 8, 2014

    i am a filipina and planning to marry an australian, am i also eligible to the age pension if i will marry an austalian citizen and how?

    by the way my fiance is in the phils. right now and maybe the ceremony will take place in my country. Please help

    • Staff
      Shirley | August 11, 2014

      Hi Linda,

      Please read the information on this page regarding the eligibility criteria for the age pension.

      You need to be an Australian resident for a period of up to 10 years and be physically in Australia on the day you lodge your claim. There are also income and asset tests to consider too.

      Cheers,
      Shirley

  162. Default Gravatar
    Margaret | August 7, 2014

    Do the assets in the assets test include the home or are these assets over and above t
    he home?

    • Staff
      Shirley | August 7, 2014

      Hi Margaret,

      Your principal home is excluded from the assets test for the age pension.

      Cheers,
      Shirley

  163. Default Gravatar
    Stephen | August 5, 2014

    When I reach 65,I will have been an Australian Resident for 6 years, including being a Australian Citizen for just over 2 years. I am eligible for full UK pension, will I receive an Australian Pension

    • Staff
      Shirley | August 6, 2014

      Hi Stephen,

      The Social Agreement between the UK and Australia was terminated in 2001. Your residency in Australia may not be able to contribute to your pension in the UK.

      To be eligible for the age pension in Australia, you need to have been a resident for a continuous period of 10 years.

      Cheers,
      Shirley

    • Default Gravatar
      Eve | August 11, 2014

      My husband and I were resident in Australia for ten years from 1982 – 1992 and now live back in the UK. Do we qualify for an Australian pension?

    • Staff
      Shirley | August 11, 2014

      Hi Eve,

      You may be eligible for the age pension. Please note that if you intend to move overseas on a permanent basis, your pension rate could be reduced.

      Cheers,
      Shirley

  164. Default Gravatar
    narayana | August 5, 2014

    What is the meaning of Australian Resident on the date of applying for Age Pension?

    Is it residing in Australia on the date of applying or residing for more than six months before applying?

    • Staff
      Shirley | August 6, 2014

      Hi Narayana,

      You need to be an Australian permanent resident or citizen on the day you lodge your claim.

      The criteria is that you need to have been an Australian resident for a continuous period of 10 years, or for a number of periods that total more than 10 years.

      Centrelink will also look at the nature of your accommodation while in living in Australia.

      Cheers,
      Shirley

  165. Default Gravatar
    Jeremy | August 3, 2014

    I am an Australian citizen I am 42 yrs of age
    and have spent the last 10 yrs in Japan.
    I recently returned back to Australia last september , but am having a hard time finding fulltime employment,
    I have a possible fulltime teaching position in this coming february in japan,Am I still eligibile for the pension when I return to Australia when i,m 60.
    Regards Jeremy….

    • Staff
      Shirley | August 4, 2014

      Hi Jeremy,

      To be eligible for Age Pension you must be an Australian resident on the day you lodge your claim, and be physically present in Australia on the day you lodge your claim.

      If you meet this requirements you may be eligible.

      Thanks,
      Shirley

  166. Default Gravatar
    maureen | August 1, 2014

    I am 67 on aged pension if I was living in a defacto relationship do I lose any of my pension because he is employed full time and he pays child support.

    • Staff
      Shirley | August 1, 2014

      Hi Maureen,

      Thanks for your question.

      Your pension may be affected. If you are a member of a couple, Centrelink does not usually assess your relationship. They will consider the following:
      -finances
      -social relationships
      -nature of your household
      -presence or absence of a sexual relationship, and
      -nature of the commitment

      Hope this helps,
      Shirley

  167. Default Gravatar
    paul | July 31, 2014

    I highly appreciate the data i received from you is accurate valuable imformation.
    God bless you.
    I thank you Elizbeth from the bottom of my heart.
    Regards Paul.

  168. Default Gravatar
    | July 31, 2014

    thank you for your answer
    does this also mean that if my husband retires 2 years before I am eligible, we have to live off his pension alone even if I am not working?

    • Staff
      Shirley | August 1, 2014

      Hi Sandra,

      Unfortunately yes, as one of the requirements for the age pension is that you reach pension age.

      Thanks,
      Shirley

  169. Default Gravatar
    Johnny | July 31, 2014

    I was born in Australian. In worked from age 14 till 59. ie.45 years. I hve benn living in Thailand for 20 months and intend to stay more or less permanently with occasional trips back to Australia. I will be 65 in two years. Will I be eligable to receive the age pension.

    • Staff
      Elizabeth | July 31, 2014

      Hi Johnny,

      Thanks for your question.

      The residency requirements for the age pension require you to have lived in Australian for a continuous period of ten years and be physically present in Australia on the day you lodge your claim.

      I hope this has helped.

      Thanks,

      Elizabeth

  170. Default Gravatar
    paul | July 31, 2014

    I been living in Australia since 1964 and last trip i went to thailand from 8th july to 28th july 2014 for 20 days i been working all my life in Australia my car value is $42000 and my saving is only $12000 my super currently is $9000 in total $63000 but loss of vision in my left eye is making it hard for me to continue work as stacking products on shelves operating machine or computer work i like to know am i entitled to disbility pension if i were to live overseas?

    • Staff
      Elizabeth | July 31, 2014

      Hi Paul,

      Thanks for your question.

      You seem to satisfy the residency requirements for the disability pension, which requires you to have been an Australian resident for a continuous period of ten years. Your inability to work or permanent blindness also needs to have happened while you were an Australian resident. You will need to ensure that you fall below the assets test (which you can check in detail on the Department of Human Services website), but in terms of your wanting to receive the pension and live overseas, you only have to be physically present in Australia on the day you lodge your claim to be eligible.

      Keep in mind that you will have to pass a medical assessment to be eligible for the disability pension. I hope this has helped.

      Thanks,

      Elizabeth

  171. Default Gravatar
    Lina | July 31, 2014

    Dear Sir/Madam,
    my husband will be an Australian citizen in two year.
    Will he eligible for an Australian pension in two years.
    He is now 66.He has been living in Australia for2,5 years.

    I have been living in Australia for 8 years.I am 65, working as a Nurse.I am going to be a citizen in the nearest future.
    Thank you. Lina

    • Staff
      Elizabeth | July 31, 2014

      Hi Lina,

      Thanks for your question.

      To be eligible for an Australian pension you need to have been an Australian resident for a continuous period of ten years.

      Hope this has helped.

      Thanks,

      Elizabeth

  172. Default Gravatar
    Sandra | July 30, 2014

    if my husband is still working when I reach 65 do I still get an aged pension

    • Staff
      Elizabeth | July 31, 2014

      Hi Sandra,

      Thanks for your question.

      As your husband will still be working you will need to look at the ‘couples (combined)’ income test limits to see if you will be eligible. This is because your income will be considered together. You can find these details on the Department of Human Services website.

      Thanks,

      Elizabeth

    • Default Gravatar
      Rick | August 4, 2014

      I am an australian citizen since 1982. I have been travelling and working around the world so do not have the 10years requirement under my belt.I have a British pension at 65 years. If I return to Australia is there anything I could claim for.

    • Staff
      Shirley | August 5, 2014

      Hi Rick,

      Unfortunately without knowing more about your personal and financial situation, this is very hard to say.

      You can use the link above this page to the rate calculator, this can help you give an indication.

      Cheers,
      Shirley

    • Default Gravatar
      Michael | August 17, 2014

      I am currently New Zealand citizen and resident, for 11 years. I also have 18.5 years work in countries that Australia and NZ have reciprocal agreement. If I decide to live in Australia permanently my eligible age will be 66.5 years. However my eligible years in NZ is 65 years. If I apply for NZ pension at 65 and move to Australia does that mean I will not be getting any pension from Australia until I am 66.5 years old? Thank you.

    • Staff
      Shirley | August 18, 2014

      Hi Michael,

      Thanks for your question.

      That is correct, you will need to reach pension age before being able to claim for the age pension in Australia.

      All the best,
      Shirley

  173. Default Gravatar
    Garry | July 30, 2014

    Hi
    I am an Australian citizen, born in Australia,and have a residential address in Sydney. I spend a lot of time in Thailand, never more than 24 weeks
    at a time. i have assets and an apartment which I own in Thailand. I do not own property in Australia. I will turn 65 in November 2014.
    My question does not relate to the income or asset requirements of the age pension, but rather if I am able to receive the pension whilst in Thailand, and when I return to Australia permanently whether I will continue to receive the pension, or if I will have to wait for a qualifying period (2 years?)
    Thank you

    • Staff
      Elizabeth | July 31, 2014

      Hi Garry,

      Thanks for your question.

      If you are an Australian citizen and have resided in Australia for a continuous period of 10 years, then you will likely meet the residency requirements for the age pension. The Department of Human Services will also look at things like the frequency of your travel outside of Australia, but this is often on a case-by-case basis. You are able to receive the pension whilst in Thailand, you just have to be physically present in Australia on the day you place your claim.

      Hope this has helped.

      Thanks,

      Elizabeth

  174. Default Gravatar
    paul | July 30, 2014

    Hi i am Australian by birth order i will be age 65 in December 2015 i lived in Australia since i was 14 i had minor stroke which has effected my left eye vision 90% i can not concentrate on reading or writing at my work place i lost my assets 8 years ago and have small saving account and car but no home of my own. I worked over 43 years here in Australia. I wish to know am i able to live in Thailand or Bali still receive my full pension as living in Australiua i will not be able to meke ends meet.

    • Staff
      Elizabeth | July 31, 2014

      Hi Paul,

      Thanks for your question.

      In order to be eligible for the age pension you need to be physically present in Australia on the day you make your claim. You should also check your assets (ie. your car and savings account balance) fall under the allowable limits.

      Hope this has helped.

      Thanks,

      Elizabeth

  175. Default Gravatar
    Alicia | July 30, 2014

    Hi,
    I was born in Australia and lived there until age 25. I am a citizen of Australia and I am a resident of UK. When I get to pension age will I get Australian pension?
    Thank you

    • Staff
      Shirley | July 30, 2014

      Hi Alicia,

      Thanks for your question.

      Please refer to the residence, income and assets requirements on this page to help you determine your eligibility.

      You can also use the link to the calculator on this page to give you an indication of how much you could receive.

      Cheers,
      Shirley

  176. Default Gravatar
    Mary | July 29, 2014

    I lived and worked in US for 25 years am a dual citizen of Australia and US, working in australia for past 6 years am 55 now, can I get both US social security and an Australian age pension? If I do get US Social Security is that considered an “asset or income” so will my Australian pension be less?

    Thank you,

    Mary

    • Staff
      Shirley | July 30, 2014

      Hi Mary,

      Thanks for your question.

      Under the social agreement between Australia and the US you are eligible for both pensions.

      Overseas pensions are assessable under the income test, and so may reduce your Australian pension.

      Cheers,
      Shirley

  177. Default Gravatar
    judith | July 29, 2014

    After Living and working in Australia for 27 years I am a Australia citizen and paid taxes now living in the UK will I be eligible to the age pension on reaching 65 years I was born in 1951

    Many thanks Judith

    • Staff
      Shirley | July 29, 2014

      Hi Judith,

      Thanks for your question.

      You may be eligible for the age pension. It also depends if you can pass the assets/income test.

      Please use the link above this page to the rate calculator to help give you an indication.

      Cheers,
      Shirley

  178. Default Gravatar
    narayana | July 28, 2014

    I understand that living in Australia for the first 9 months after age pension started is mandatory so as to continuously receive age pension. Also that if I move to USA thereafter I will continue to get my age pension. If i move to India my age pension will get reduced proportionately for the period of my living period in Australia to 35 years. Please clarify.

    • Staff
      Shirley | July 29, 2014

      Hi Narayana,

      The Centrelink website states that, “If you depart Australia on or after 1 July 2014, you will usually need to have lived in Australia as an Australian resident for 35 years in order to continue receiving your full rate of Age Pension after 26 weeks. If less than 35 years, you will receive a smaller rate of Age Pension after 26 weeks outside Australia.”

      Please refer to the link I’ve emailed you regarding this.

      Cheers,
      Shirley

  179. Default Gravatar
    narayana | July 27, 2014

    I am 65 by April 2015. I lived in Australia for 7 years out of which I worked and paid taxes for 5 years. Then I worked and paid taxes in USA on work visa for 7 years. I returned to Australia. Am I eligible for age pension when I will be 65 and is it full pension payable @623 a fortnight? I do not have other income and savings.

    • Staff
      Shirley | July 28, 2014

      Hi Narayana,

      Thanks for your question.

      If you’re an Australian citizen or permanent resident, and have been for a period totalling up to 10 years, you may be eligible for the age pension.

      Cheers,
      Shirley

  180. Default Gravatar
    Bob | July 27, 2014

    I am turning 65 in September this year. I am married and my wife is 58 and working (earning approx $700 gross/wk). I have 2 dependent children (both attending university aged 21 and 20, on youth allowance). Combined assets are $210,000 in shares and $445,000 in cash deposits). Superannuation is approx $40,000. Part-time job = c. $20,000 p.a. Am I eligible for a part pension and/or a health care card? Thanks in advance.

    • Staff
      Shirley | July 28, 2014

      Hi Bob,

      Thanks for your question.

      Please click on the calculator link above this page to be taken to the pension rate calculator.

      After you’ve entered this figures, it can provide an indication of how much pension you may receive.

      Cheers,
      Shirley

  181. Default Gravatar
    ian | July 24, 2014

    hi Shirley I will 65 in December how long before then can I apply for my pension I have lived here for28 years and I am single many thanks ian

    • Staff
      Shirley | July 25, 2014

      Hi Ian,

      Thanks for your question.

      Please refer to the link I’ve emailed you regarding the age requirements for the age pension.

      Cheers,
      Shirley

  182. Default Gravatar
    Alexandra | July 22, 2014

    i am an australian citizen and i am married to a greek and he is thinking of migrateing to australia he has worked 20years in greece/ what is he elegable for if he works in australia and how many years does he need to meet the requirements.

    • Staff
      Shirley | July 22, 2014

      Hi Alexandra,

      Thanks for your question.

      The Social Agreement between Australia and Greece states that, “Those who worked in Greece or resided in Australia, even if only for 12 months, may be eligible for a new pension from either or both countries by combining periods of working life residence in Australia with periods of insurance in Greece.”

      I’ve emailed you the link for your reference, it also highlights the eligibility requirements.

      Cheers,
      Shirley

  183. Default Gravatar
    Jean | July 20, 2014

    My husband, an Australian citizen, who worked and paid taxes all of his life, died a number of years ago but I was never told that I might get financial assistance as his widow until recently so I have never claimed. I am on a small pension but as my husband paid taxes all his life and died before he could claim his pension I was wondering if you could kindly explain if I am entitled to anything as his widow.
    Thanking you in anticipation

    • Staff
      Shirley | July 21, 2014

      Hi Jean,

      Thanks for your question.

      Unfortunately finder.com.au is an online comparison service. We don’t handle any claims from Centrelink and can not comment on what benefits you may be eligible for.

      You can submit a claim through the official Centrelink website, where your situation will be assessed and you’ll be informed on whether you’re eligible for any Centrelink benefits.

      Cheers,
      Shirley

  184. Default Gravatar
    Janet | July 19, 2014

    I was sponsored to work in a hospital as a nurse 8yrs ago, I have worked continuously since then as a nurse. I am now 65yrs old, and have health issues that mean I will not be able to work for a long period and may not be able to return to work. My superannuation income protection cover ceased when I reached the age of 65 yrs. I have not been in Australia 10 years. I am in real financial difficulties, what help is available to me
    Janet

    • Staff
      Shirley | July 21, 2014

      Hi Janet,

      Thanks for your question.

      You can submit a claim through the official Centrelink website.

      They will assess your situation and will let you know if you’re eligible for any benefits.

      Cheers,
      Shirley

  185. Default Gravatar
    Valerie | July 19, 2014

    I Valerie Smith am a Canadian \ Australian Citizen ….I married an Australian in 2001 he passed away in 2007…I returned to Canada in 2012 an have health issues which have made my return to Australia not possible ….I am 62 years old and I am wondering if I am entitled to any type of pension from Australia ….
    Thank you ,
    Valerie

    • Staff
      Shirley | July 21, 2014

      Hi Valerie,

      Thanks for your question.

      The social agreement between Australia and Canada states that you may be eligible for the age pension.

      You need to be physically in Australia on the day you lodge your claim. If intend to leave Australia afterwards, your pension could be reduced.

      Cheers,
      Shirley

  186. Default Gravatar
    Graeme | July 16, 2014

    hello,
    If a person has lived and worked and paid taxes in Australia for 17 years and has to return to the UK for family reasons prior to retirement, and is now close to retirement age, in UK one will only be entitled to a pro rata pension payment related to the amount of years of contributions in the UK.

    is it possible to claim a pension from Australia pro rata to the 17 years of working there

    Graeme

    • Staff
      Shirley | July 17, 2014

      Hi Graeme,

      Thanks for your question.

      The Social Agreement between England and Australia was terminated in March 2001.

      You may still be eligible for the pension (please click on the link above to the calculator to find out). However, if you intend to leave Australia your payment could be affected.

      On the Centrelink website it states that, “If you depart Australia on or after 1 July 2014, you will usually need to have lived in Australia as an Australian resident for 35 years in order to continue receiving your full rate of Age Pension after 26 weeks. If less than 35 years, you will receive a smaller rate of Age Pension after 26 weeks outside Australia.”

      Cheers,
      Shirley

  187. Default Gravatar
    Skyhigh | July 16, 2014

    I am an Australian citizen since the year 2001.
    However, due to the nature of my profession I was unable to live in Australia continuously for a period of ten years.

    Although, off and on I have lived in Australia for around eight years with a maximum of four years at a straight stretch.

    I am now approaching 65 years of age and I am planning to apply for age pension, am I eligible for it and if not how can I apply for it under some other provision.

    Also, can you please tell me how long can I travel/stay overseas when under age pension payment provision.

    Answers to these queries will be of great assistance to me for planning my future course of action, so many thanks in advance.

    • Staff
      Shirley | July 16, 2014

      Hi Skyhigh,

      Thanks for your question.

      We won’t be able to comment your eligibility, but you can use the link above this page for the Centrelink rate calculator. This would be able to give you an indication.

      If you’re unable to receive the age pension, you can still submit a claim through Centrelink. They will assess your situation and determine whether you can receive any other benefits.

      On the Centrelink website it states that, “If you depart Australia before 1 July 2014, you will usually need to have lived in Australia as an Australian resident for 25 years in order to continue receiving your full rate of Age Pension after 26 weeks. If less than 25 years, you will receive a smaller rate of Age Pension after 26 weeks outside Australia.

      If you are already outside Australia on 1 July 2014, you can continue to receive your payment under the 25 year rule, unless you return and stay in Australia for 26 weeks or more.

      If you depart Australia on or after 1 July 2014, you will usually need to have lived in Australia as an Australian resident for 35 years in order to continue receiving your full rate of Age Pension after 26 weeks. If less than 35 years, you will receive a smaller rate of Age Pension after 26 weeks outside Australia.”

      Cheers,
      Shirley

  188. Default Gravatar
    Stuart | July 15, 2014

    Hi many years ago I married a person 10 yrs older than me she is now 69 yrs old and I,m 59 yrs old she has tried to receive a pension but to no avail
    I’m still employed full time on a wage of $60.000 per yr and also I have a DFRBD pension of around $10.000 per year
    Whe own a home and have no other bills
    Why can’t my wife receive a part pension as she has worked all her life and paid taxes
    Could you please explain if she is entitled to anything

    • Staff
      Shirley | July 16, 2014

      Hi Stuart,

      Thanks for your question.

      It could be that your wife hasn’t passed the income or assets test; the household income could be too high for her to receive the age pension.

      You can try claiming online to see if your wife is entitled to anything – I’ve emailed you the link where you can do this.

      Cheers,
      Shirley

  189. Default Gravatar
    Kathy | July 15, 2014

    Hi

    My husband and I are separated but live in the same house with a mortgage. He wants to retire in 3 years at age 65. Will he receive a full pension? if the mortgage is not paid off.?

    Also he has no savings to retire on.

    • Staff
      Shirley | July 16, 2014

      Hi Kathy,

      Thanks for your question.

      Please refer to the assets and income test on this page to help you determine if he will receive the pull pension.

      You can also use the link above this page for the rate calculator to help give you an indication.

      Your principal home is generally excluded from the assets test, so the mortgage may not affect his pension.

      Cheers,
      Shirley

  190. Default Gravatar
    Darrell | July 15, 2014

    I want to know if I retire and I have a house and 50 acres and only have enough supper to pay off my mortgage can I receive on a full pension. I am currently married if something was to happen to one of us could the other one still stay on the farm and get a single pension

    • Staff
      Shirley | July 16, 2014

      Hi Darell,

      Thanks for your question.

      Your principal home and generally up to 2 hectares of privately used, surrounding land on the same title as your home is generally exempt from the assets test for the pension.

      Other assets may be taken into consideration; please click on the link above this page for the rate calculator to give you an indication of how much you could receive.

      If your situation was to change, Centrelink will reassess your case and your pension may be changed accordingly.

      Cheers,
      Shirley

  191. Default Gravatar
    shank | July 15, 2014

    I am an Australian citizen living in the US for the past 14 years and prior to that I was living in Sydney for 14 years. I am 59 years now and planning on returning home in 4 years. From the eligibility requirement I think I am eligible for age pension. However would I receive a full pension? US and Australia do have Social security agreements. In that case will I continue receiving the full pension?

    • Staff
      Shirley | July 15, 2014

      Hi Shank,

      Thanks for your question.

      Please use the link above this page to be redirected to the age pension rate calculator.

      Your whole personal and financial situation needs to be taken into account to be able to determine if you’ll receive the full pension.

      Cheers,
      Shirley

  192. Default Gravatar
    Barry | July 12, 2014

    I am currently in Thailand on a non residential multi trip visa. This expires in October and I cant get an extension. Originally came to start new office but now decided too old and want to retire. I have assets in Australia of a bit over the asset limit but dont want to sell as the market is down but rising. My question is about residency – I have maintained a residential address in Australia but my passport shows only been back to Australia a few times. Cant find anything concrete about residence other than need to be in Australia for 48 out of previous 52 weeks as from July 2014.Will be talking to Centrelink Monday but dont want to admit anything if I dont have to.
    Thanks
    Barry

    • Staff
      Shirley | July 14, 2014

      Hi Barry,

      Thanks for your question.

      The resident requirements on the Human Services page state that, “To be eligible for Age Pension you must satisfy residence requirements. You must be: an Australian resident on the day you lodge your claim, and be physically present in Australia on the day you lodge your claim. You also need to have been an Australian resident for a continuous period of at least 10 years, or for a number of periods that total more than ten years, with one of the periods being at least five years.”

      Hope this helps.

      Cheers,
      Shirley

  193. Default Gravatar
    alan | July 11, 2014

    Can you please define A (couple)

    • Staff
      Shirley | July 14, 2014

      Hi Alan,

      Thanks for your question.

      Please refer to my response to Jane below.

      Cheers,
      Shirley

  194. Default Gravatar
    Chris | July 10, 2014

    In Norway…I understand that I am eligible for a pension based on the fact I worked in Norway for a number of years, and that I have reached the age of 67.
    I worked in Norway from 1997 to 2002
    I contacted the Norwegian embassy and they informed me that there exists an agreement between Australia and Norway and that I can apply for the pension through the Australian pension system.
    Is this correct and how may I do so ?
    Many thanks
    Chris

    • Staff
      Shirley | July 11, 2014

      Hi Chris,

      Thanks for your question.

      There is a social agreement between Norway and Australia. I’ve emailed you a copy for you for your reference.

      Instructions on how to claim is available on the same document.

      Cheers,
      Shirley

    • Default Gravatar
      | July 16, 2014

      Thank you very much for the quick reply
      Chris

    • Default Gravatar
      Adrian | July 13, 2014

      I am an Australian citizen, born in Australia, on April, 1955. I lived in Australia, went to school, and worked there until I was 20 years old. Subsequently, I went overseas and resided there (Italy) ever since. I wish to know my eligibility and needed requirements to apply and receive an Australian old age pension. Thank you.

    • Staff
      Shirley | July 14, 2014

      Hi Adrian,

      Thanks for your question.

      Please refer to the information on this page to help you determine your eligibility, especially the residence requirements.

      You can also use the rate calculator link above this page to give you an indication of how much pension you’ll receive.

      Cheers,
      Shirley

  195. Default Gravatar
    Max | July 10, 2014

    Are Super Funds considered when adding assets?

    • Staff
      Shirley | July 10, 2014

      Hi Max,

      Thanks for your question.

      It depends whether you are under or over age pension age, and if you’ve started receiving benefits.

      Generally, superannuation investments are included as assets under the assets test.

      Please refer to the links I’ve emailed your regarding this topic.

      Cheers,
      Shirley

  196. Default Gravatar
    Erich | July 9, 2014

    Can I start a Business when on the Age Pension?

    • Staff
      Shirley | July 10, 2014

      Hi Erich,

      Thanks for your question.

      Yes you can start a business while on the age pension; however if your income or assets increase, this could reduce your pension rates.

      Cheers,
      Shirley

  197. Default Gravatar
    Sue | July 9, 2014

    I have been told that pensioners who have land above 5 acres are not eligible for the pension. My husband and I have 30 acres. How does this affect us. Thanks.

    • Staff
      Shirley | July 10, 2014

      Hi Sue,

      Thanks for your question.

      If you own land that is over 5 acres your pension may be reduced. Please refer to the link I’ve emailed you reading rural customers and the age pension.

      Cheers,
      Shirley

  198. Default Gravatar
    ian | July 8, 2014

    i am 65 next year. Have $90,000 in super. $150,000 equity in my home and earn $1200.00 per fortnight. Will i be eligible for pension and if so how much will it be

    • Staff
      Shirley | July 9, 2014

      Hi Ian,

      Thanks for your question.

      More information about your personal situation needs to be known.

      Please use the link above this page to be redirected to the rate calculator for the age pension.

      Cheers,
      Shirley

  199. Default Gravatar
    Colleen | July 8, 2014

    i was born in January 1953, my partner , my partner was born in 1962, will I be eligible for a pension when I retire in a couple of years, regardless of his assets?

    • Staff
      Shirley | July 9, 2014

      Hi Colleen,

      Thanks for your question.

      Generally Centrelink’s assets test for the age pension will be considered as a ‘couple’ if you’re married, in a registered relationship, or in a de-facto relationship.

      Cheers,
      Shirley

    • Default Gravatar
      | July 9, 2014

      does this mean even though he is 9 years younger than me I would be 74 before I am eligible because he works?

    • Staff
      Shirley | July 10, 2014

      Hi Colleen,

      Thanks for your question.

      I’m not entirely across your personal or financial situation so I can’t give a definitive answer.

      Generally if you have a partner, Centrelink will consider your combined income for the income test, which could then reduce your payment rates.

      Please use the link above this page for the rate calculator.

      Cheers,
      Shirley

  200. Default Gravatar
    | July 7, 2014

    Hi Guys
    I have been living on and off in Thailand for the last four years
    Have been back to Australia in this period One time for a three month job contract
    Turn 65 in November Will come back to Australia to lodge all paper work
    Am I eligiable for the pension seeing I have been overseas for a time

    Best Regards

    Andrew

    • Staff
      Shirley | July 7, 2014

      Hi Andrew,

      Thanks for your question.

      You may be eligible for the age pension if you meet the criteria stated on this page and you’re physically in Australia on the day you submit your claim.

      Please be mindful that if you move overseas your payment may be reduced.

      Cheers,
      Shirley

  201. Default Gravatar
    Jai | July 6, 2014

    Can I access my super for paying my mother’s heart surgery expenses.She is living overseas.

    • Staff
      Shirley | July 7, 2014

      Hi Jai,

      Thanks for your question.

      Centrelink is responsible for assessing applications for the early release of superannuation on compassionate grounds. These can include payments for medical or dental treatment for you or your dependant.

      If you can’t access your super for your mother’s surgery, Centrelink may be able to offer you support services if you are experiencing severe financial hardship.

      Cheers,
      Shirley

  202. Default Gravatar
    jenny | July 4, 2014

    I know of a couple, the husband has just gone on the pension. The wife is on a full time carers pension for her mother and also receives carers allowance for her husband as well as her mother in law.Is that possible?

    • Staff
      Shirley | July 4, 2014

      Hi Jenny,

      Thanks for your question.

      These situations are often handled on a case by case basis and are subject to a series of income and assets tests. It’s likely that this is possible; depending on the couple’s situation.

      Cheers,
      Shirley

  203. Default Gravatar
    Tihomir | July 3, 2014

    Dear, where and when to contact a retiree of its intentions to permanently return to their homeland (Croatia)? My grandmother here intends to sell the house and buy another in Croatia – at which time it must be done and that it does not affect the amount of retirement? All information is welcome, thank you.

    • Staff
      Shirley | July 4, 2014

      Hi Tihomir,

      Thanks for your question.

      Please contact Centrelink – your pension amount could be affected if you intend leave Australia permanently.

      Assets held outside Australia can also affect your payment.

      Cheers,
      Shirley

  204. Default Gravatar
    Michael | July 3, 2014

    Hello Shirley, I was born in Australia in 1953 (now 61) and left Australia when I was 45.I lived and worked in NZ until 47 at which time I came to the USA. I married a US citizen and received a green card since. I have since had throat cancer and have a breathing trach and can barely talk also still affected by chemo therapy. I receive a small disability here ($530/month). Am I entitled to disability which carries over to retirement when 65 and do I have to be in Australia when I apply?
    I thank you for your time.

    • Staff
      Shirley | July 3, 2014

      Hi Michael,

      Thanks for your question.

      One of the eligibility requirements for the disability pension is that you’re aged between 16 years of age and Age Pension age.

      To be eligible for the age pension, you need be physically in Australia the day that you submit a claim. You can use the rate calculator link above this page for a indication of how much you could receive.

      Cheers,
      Shirley

  205. Default Gravatar
    Brenda | July 1, 2014

    What is the maximum acreage in qld I can buy that is not income producing without affecting my age pension ?

    • Staff
      Shirley | July 2, 2014

      Hi Brenda,

      Thanks for your question.

      Please refer to the link I’ve emailed you regarding the assets test for the age pension.

      Cheers,
      Shirley

  206. Default Gravatar
    Raylene | June 30, 2014

    Hi,
    I am 63 years of age and am working full time but unfortunately this is coming to an end due to the company closure. I have heard that it is possible to retire on a full pension over the age of 60 if you do a number of hours volunteer work per week / fortnight. My question is: can I receive a full pension at the age of 63.3 if I do volunteer work? and if so what our the hours of volunteer work required?
    Thank you
    Regards
    Raylene

    • Staff
      Shirley | July 1, 2014

      Hi Raylene,

      Thanks for your question.

      I can’t find anything on the Centrelink website regarding the age pension and volunteering, except that there is no limit on the number of hours a week you can work, volunteer or study on Age Pension.

      You might want to contact Centrelink to confirm this.

      Cheers,
      Shirley

  207. Default Gravatar
    Jeanette | June 27, 2014

    My husband is 65 and working part time. Can he apply for a health card? He would earn to much to be eligible for the pension I think. We are renting because we have recently sold our home. The money is in the bank waiting to purchase the next home early next year.

    • Staff
      Shirley | June 27, 2014

      Hi Jeanette,

      Thanks for your question.

      On the Centrelink website it states that, “you may be eligible for a Health Care Card if you get specific payments or supplements from us or the maximum rate of Family Tax Benefit (Part A)”.

      For more information, please visit the Centrelink website.

      Cheers,
      Shirley

  208. Default Gravatar
    Rob | June 26, 2014

    Iam 56, wife 52 (stroke/diabled), both Kiwi’s, arrive Aus Mar 2007.
    Current super $100K, should be 400k-500k when retiring 2027,have assests currently valued 700K,owe 600k on assets, expect 400k owing when retire 2027, wife no income, will I qualify for pension at 67yo?, when will wife be eligable for pension, will she qualify.?
    Advised by CL not eligibe for carers allow because we arrived after 2001.

    Rob

    • Staff
      Shirley | June 27, 2014

      Hi Rob,

      Thanks for your question.

      Please refer to the assets and income test thresholds above this page.
      Alternatively, you can use the rate calculator link above this page to give you an indication of how much you could receive.

      Cheers,
      Shirley

  209. Default Gravatar
    David | June 25, 2014

    Hi,We are developing our weekender into our retirement home but it is on 20 acres. The land cannot be subdivided as it is the “smallest” rural property accepted by our shire council’.We have no intention to “run a business” as it is far too small and it has been recently earmarked in a Plan of Management as non-productive.
    Are there any opportunities,whilst living there, to be eligible for the Age Pension?

    • Staff
      Elizabeth | June 26, 2014

      Hi David,

      Thanks for your question.

      Your land will be considered an additional asset until it becomes your principal place of residence, and then any land over 2 hectares will be considered an asset. Your eligibility for the pension will depend on the value of the property. You can check the asset test limits on this page or on the ATO website for a more detailed breakdown of what limit applies to your personal situation.

      Hope this has helped.

      Thanks,

      Elizabeth

  210. Default Gravatar
    Margaret | June 25, 2014

    Good afternoon,

    I turn 65 on Saturday 28th June 2014. If I am not working full time will I qualify for a pension?

    Please advise.

    Kind regards

    Margaret

    • Staff
      Elizabeth | June 26, 2014

      Hi Margaret,

      Thanks for your question.

      Qualifying for a pension depends on a few different factors. As you were born before June 30th your age qualifies you for a pension, but you also need to check you qualify in terms of assets, income and residency. You can take a look at the details on the page above for some of this information, or take a look at the Department of Human Services website for more details.

      Hope this has helped.

      Thanks,

      Elizabeth

  211. Default Gravatar
    Francis | June 25, 2014

    I lived in Australia for 13 years. I worked there for 6 years while living there. I was an Australian citizen. I now live in Canada.I am now an Canadian citizen. I am 67 years old. Am I eligible for a pension from Australia.

    • Staff
      Elizabeth | June 25, 2014

      Hi Francis,

      Thanks for your question.

      Eligibility for the Australian pension requires ten years residency in Australia and that you are physically present in Australia on the day you lodge your claim.

      For more information on eligibility you can visit the ATO website.

      Hope this has helped.

      Thanks,

      Elizabeth

  212. Default Gravatar
    Inge | June 23, 2014

    Csn I claim for a disability pension. I am 62 years of age and my husban is employed and earns60 thousand I have no income

    • Staff
      Shirley | June 24, 2014

      Hi Inge,

      Thanks for your question.

      Please refer to the link I’ve emailed you regarding eligibility for the disability pension.

      Cheers,
      Shirley

  213. Default Gravatar
    Barbara | June 21, 2014

    How many years before applying for the age pension can you gift some real estate to a near relative without it affecting your pension entitlement?

    • Staff
      Shirley | June 23, 2014

      Hi Barbara,

      Thanks for your question.

      Please refer to the email I’ve send your regarding gifting property and how it may affect your age pension.

      Cheers,
      Shirley

    • Default Gravatar
      romola | June 23, 2014

      my husband and I migrated to Australia and arrived here on 23.10.2004 on a 4year Temp.Visa. We subsequently applied and got a Permanent Visa sc 864 Aged Parent Contributory on 9 May 2005 and thereafter became Australian Citizens. My question is FROM WHICH DATE DOES OUR 10 YEAR RESIDENCE START for purposes of eligibility for the Age Pension?
      Thanks for your help.
      Romola

    • Staff
      Shirley | June 24, 2014

      Hi Romola,

      Thanks for your question.

      Centrelink defines an Australia resident as “an Australian citizen, a permanent visa holder, or a protected Special Category Visa (SCV) holder”. The date of your residency starts whenever you had met one of those conditions.

      Cheers,
      Shirley

  214. Default Gravatar
    peter | June 19, 2014

    I have worked in Australia from age 16 (1972) and will turn 60 in January 23015 thus 43 years of continual work and paying taxes. I am considering moving to Thailand mid 2015 on a permanent basis. I will still have a bank account and residental mailing address in australia. Will I be eligible for an aged pension at age 66?
    Thankyou

    • Staff
      Shirley | June 20, 2014

      Hi Peter,

      Thanks for your question.

      On the Centrelink website it states that “You can get Age Pension for the whole time you are overseas, regardless of whether you leave Australia temporarily or permanently. However, the amount of pension you receive may change if you remain outside Australia for more than 26 weeks. Whether or not your payment amount changes will depend on how long you have lived in Australia between age 16 and age pension age. For more information on how the pension payment rates are calculated, go to Pension payment rates while absent from Australia. If you are travelling to New Zealand, the amount you receive may be affected by the social security agreement between Australia and New Zealand. If you returned to live in Australia and were granted or transferred to Age Pension within the last 2 years, you will not be able to receive your Age Pension outside the country. After you return, to be paid outside the country, you must have been living in Australia for two years since your last arrival for residence. If you travel to a country that Australia has a social security agreement with, you may be able to continue to get your payment under that social security agreement.”

      Cheers,
      Shirley

  215. Default Gravatar
    Betty | June 19, 2014

    I lived and worked in Australia for 21 years, and have dual Australian/ Irish citizenship. I now live in Ireland. Am I eligible to apply for Australian pension from Ireland?

    • Staff
      Shirley | June 20, 2014

      Hi Betty,

      Thanks for your question.

      Please refer to the link that I’ve emailed you. It is the social agreement between Australia and Ireland so you check your eligibility.

      Cheers,
      Shirley

  216. Default Gravatar
    rob | June 17, 2014

    If I marry a filipina when and how do I get married rate old age pension

    • Staff
      Shirley | June 18, 2014

      Hi Rob,

      Thanks for your question.

      Please refer to the income and assets test for couples (above) in terms of eligibility.

      Cheers,
      Shirley

  217. Default Gravatar
    stuart | June 15, 2014

    I have lived & worked in Australia since 1987.
    I want to return to the UK to marry & to live permanently in 2015.I will be 60 years old. Will I be able to claim an Australian pension in the UK if I return to Australia to lodge it?

    • Staff
      Shirley | June 16, 2014

      Hi Stuart,

      Thanks for your question.

      On the Centrelink website, it states that “you can get Age Pension for the whole time you are overseas, regardless of whether you leave Australia temporarily or permanently. However, the amount of pension you receive may change if you remain outside Australia for more than 26 weeks. Whether or not your payment amount changes will depend on how long you have lived in Australia between age 16 and age pension age. For more information on how the pension payment rates are calculated, go to Pension payment rates while absent from Australia. If you are travelling to New Zealand, the amount you receive may be affected by the social security agreement between Australia and New Zealand. If you returned to live in Australia and were granted or transferred to Age Pension within the last 2 years, you will not be able to receive your Age Pension outside the country. After you return, to be paid outside the country, you must have been living in Australia for two years since your last arrival for residence. If you travel to a country that Australia has a social security agreement with, you may be able to continue to get your payment under that social security agreement”.

      Cheers,
      Shirley

    • Default Gravatar
      stuart | June 16, 2014

      Thanks Shirley!

    • Default Gravatar
      pat | June 23, 2014

      hi, my husband is now 63 years old. he arrived in aaustralia from the UK over 50 years ago, and has resided in australia continuasely since arriving. he has spent his entire working life in australia. when he retires at age 65years will he be eligible to recieve to recieve the australian old age pension. I currently recieve a disability service pension and i am 56years old. thanks for you help.

    • Staff
      Shirley | June 24, 2014

      Hi Pat,

      Thanks for your question.

      Please refer to the residency, assets and income test above this page. If your husband is not an Australian resident, please see the social agreement between the UK and Australia.

      Cheers,
      Shirley

  218. Default Gravatar
    membal | June 15, 2014

    I am an Australian by birth and nationality- late 40′s..I live in Korea and have not lived in Australia permanently since 1998.(age 33) As I have lived in Australia for more than 25 years that means I can get an old age pension even if I lived in Korea, right?

    • Staff
      Shirley | June 16, 2014

      Hi Membal,

      Thanks for your question.

      Yes, as long as you meet the requirements on this page and you’re present in Australia on the day you lodge your claim.

      However, if you intend on leaving Australia your payment may be reduced.

      Cheers,
      Shirley

  219. Default Gravatar
    Gurchran | June 14, 2014

    I migrated to Australia in February 1986 and live in Australia till September 1994. I left to live in Canada and am currently a Canadian citizen living in Canada, Am I entitled to any old age pension or any other entitlement. I was an a citizen while living in Australia.

    • Staff
      Elizabeth | June 16, 2014

      Hi Gurchran,

      Thanks for your question.

      To be eligible to receive the Australian age pension you will need to have lived in Australia for a period of 10 years and be physically present in Australia on the day you lodge your claim. As you only lived in Australia for eight years, you may not be eligible. For more details on the residency requirements for the age pension, take a look at the Australian Department of Human Services website.

      Hope this has helped.

      Thanks,

      Elizabeth

    • Default Gravatar
      | June 16, 2014

      I was told by the Canadian authorities that Canada and Australia have an agreement and residence in Canada will be able to qualify me for my 10 year residency easily. I have been living in Canada for 20 years

    • Staff
      Elizabeth | June 17, 2014

      Hi Gurchran,

      Thanks for your question.

      I think the agreement you’re referring to is the Australia and Canada Treaty, whereby Australia and Canada share responsibility for paying pensions to people who would otherwise not be entitled. It also helps people who could not otherwise claim a pension because they are living abroad. Under the agreement, the residency requirements set by both Canada and Australia are redefined to include time spent in both countries rather than just one.

      For more information, you can visit the ATO website or the Service Canda website.

      I hope the has helped.

      Thanks,

      Elizabeth

    • Staff
      Shirley | June 16, 2014

      Hi Gurchran,

      Thanks for your question.

      If you meet the requirements on this page, then you may be eligible.

      Please note that if you intend to leave Australia, your payment may be reduced.

      Cheers,
      Shirley

  220. Default Gravatar
    Joan | June 12, 2014

    I have lived in Australia since December 1985 and hold dual Australian and Canadian citizenship.
    Since 1988, I have been employed as a registered nurse. I am now 58 years old and would like to spend a few years living and working in Canada.
    Are you able to tell me whether I will be eligible to apply for an Australian pension at age 66? Will it be necessary for me to return to live in Australia for a specific length of time prior to applying?
    Thank you for your consideration of this.

    • Staff
      Shirley | June 13, 2014

      Hi Joan,

      Thanks for your question.

      The requirements are that you need to be an Australian resident on the day you lodge your claim, and be physically present in Australia on the day you lodge your claim.

      Please refer to the age, income and assets test above this page for other requirements.

      Cheers,
      Shirley

  221. Default Gravatar
    Robynne | June 10, 2014

    I lived in New Zealand from July 1968 to December 1980 – in that time I did not work – I was a fulltime mother. I was 19 when I arrived there, I married a New Zealander in Australia. What would I be eligible for, as a Australian citizen, from the New Zealand Govt as I am now 65? and what would the pension be as in dollar value??

    • Staff
      Shirley | June 11, 2014

      Hi Robynne,

      Thanks for your question.

      Unfortunately we are unable to comment on whether you’re eligible for the pension from another country. Please enquire about this with the relevant Social Services office.

      Cheers,
      Shirley

  222. Default Gravatar
    Raul | June 10, 2014

    Thank you for the tremendous information you provide
    here is my question
    I intend to live there for 2 or 3 years so that I can qualify for a pension and come back and live in Ecuador as the pension that I will be collecting will not be enough to survive
    Can I do that and will the aussie goverment will not cut my pension
    Thank you in advance
    Regards
    Raul

    • Staff
      Shirley | June 11, 2014

      Hi Raul,

      Thanks for your question.

      I’ve emailed you a link for more information about this.

      Cheers,
      Shirley

  223. Default Gravatar
    Niňa | June 9, 2014

    Hi there,

    I lost my job in 2012 and I decided settle back to my country (Philippines)after 28 years in Australia. I also have a dual citizenship which enables me to work and live here indefinitely.

    My question is, will I be qualified for an Aged Pension when I reach my pension age? I am 52 years old currently and have worked and lived continuously in Australia for over 25 years. I would be frequently visiting Australia as I have relatives there. What are the problems will I be encountering when the time comes? Thank you.

    • Staff
      Shirley | June 10, 2014

      Hi Nina,

      Thanks for your question.

      Please refer to the asset and income test above this page to help you determine your eligibility.

      There is also a link to a rate calculator to help give you an indication.

      Cheers,
      Shirley

  224. Default Gravatar
    john | June 7, 2014

    i will be 70 yera old in Novbember this year MY wife is 63 and still works full time as a nurse I have not been able to claim any pension due to her earnings, I am now also disabled ,When I am 70 can I claim any pension or must I wait until my wife retires to \Thank you John

    • Staff
      Shirley | June 10, 2014

      Hi John,

      Thanks for your question.

      Please refer to the income test above this page to help you determine this. You can also use the calculator link above this page to give you an indication.

      Cheers,
      Shirley

  225. Default Gravatar
    carol | June 4, 2014

    Hi iam now 65 am i able to get a pension if my husband is younger than me and still working

    • Staff
      Shirley | June 6, 2014

      Hi Carol,

      Thanks for your question.

      Please refer to the income test above this page to help you determine this.

      Cheers,
      Shirley

  226. Default Gravatar
    cross | June 3, 2014

    my father is 85 and has lived in aust for the most part since 1956. HE OWNS the house he lives in.my mother has passed.

    does dad qualify for the pension?

    • Staff
      Shirley | June 4, 2014

      Hi Cross,

      Thanks for your question.

      Your principal home is not included in the assets test for the age pension. Please refer to the other eligibility requirements above to help you with this.

      Cheers,
      Shirley

    • Default Gravatar
      cross | June 6, 2014

      he was receiving an overseas pension but prefers to receive the pension here. I cannot find info on this. how can he apply for the pension here?

    • Staff
      Shirley | June 6, 2014

      Hi Cross,

      Thanks for your question.

      On the Centrelink website it states that “non-Australian income, for example, a pension from another country, must be converted to Australian dollars for the income test. The rate used for major currencies is the Commonwealth Bank of Australia’s buying rate, obtained on the fifth working day before the first business day of any month. That rate is used for all days in that month.”

      I’ve emailed you more information about this.

      To apply for the pension in Australia, please log onto the official Centrelink page and click on ‘contact us’.

      Cheers,
      Shirley

  227. Default Gravatar
    hushang | June 2, 2014

    I am a NZ citizen. I lived in Australia continuously one year in 1989, then I went to NZ and stayed there until 1993 and went back and lived in Australia for 16 months continuously. I am living overseas since then. Now I am planning to move back to Australia and stay there rest of my life. I reach age 67 by 2020. Would I be eligible for age pension in Australia by that date.

    • Staff
      Shirley | June 3, 2014

      Hi Hushang,

      Thanks for your question.

      It’s likely that you’ll be eligible; I’ve emailed you the social agreement between Australia and New Zealand for you to confirm.

      Cheers,
      Shirley

  228. Default Gravatar
    john.s | June 2, 2014

    what is a transitional home owner

    • Staff
      Shirley | June 3, 2014

      Hi John.S,

      Thanks for your question.

      A transitional homeowner is someone who has just sold their home and is in the process of purchasing a new place, or moving.

      Cheers,
      Shirley

  229. Default Gravatar
    John | June 1, 2014

    Hi
    I turn 65 0n 16th June this year. I work as a casual teacher. My wife works fulltime earning about $2000 per FTNT. We own our own home. Apart from a little super I do not have any other assetts. My earnings from teaching is around $30000.
    Can you let me know how the Aged Pension guidelines apply to me given my situation?
    Kind Regards
    John

    • Staff
      Shirley | June 2, 2014

      Hi John,

      Thanks for your question.

      Please refer to the assets test and income test above this page. Please also note that there may be changes to the age requirement for the age pension as we see changes to the 2014 budget.

      Cheers,
      Shirley

  230. Default Gravatar
    Ian | May 31, 2014

    In determining asset values the value of the home is excluded – what is the position with a mortgage over the home – can that be deducted from the value of assets in determining eligibility for the pension?

    • Staff
      Shirley | June 2, 2014

      Hi Ian,

      Thanks for your question.

      At the moment your principal home is not included in the assets test and the 2014 Budget states that the Government will not include an individual’s principal home in the assets test.

      Cheers,
      Shirley

  231. Default Gravatar
    Catherine | May 29, 2014

    Hi, I am an Australian resident I qualify for disability as I have a terminal disease less than eighteen months life expectancy,my husband qualifies for a carer , just filled in paperwork , In income and assets test , we live in a small house on a bush block of 100 acres non productive land valuation of land is at 77,000 it is our primary residence .will this stop us from receiving the pension.

    • Staff
      Shirley | May 30, 2014

      Hi Catherine,

      Thanks for your question.

      Please use the rate calculator link about of this page to given you an indication. You may need to contact Centrelink directly to enquire about this, as every situation is different.

      Cheers,
      Shirley

  232. Default Gravatar
    Claire | May 25, 2014

    I’m over 60 and entitled to a pension at 65.5. As I was recently made redundant and owe a considerable amount on my mortgage .will my pension be affected if I redraw all my super to pay off my debt. I am married and have a house.
    .

    • Staff
      Shirley | May 28, 2014

      Hi Claire,

      Thanks for your question.

      Unfortunately we’re not authorised to answer this question. Please contact Centrelink to confirm whether this affects your pension.

      Cheers,
      Shirley

  233. Default Gravatar
    Wije | May 23, 2014

    I am still confused over “couple”. Though I am 67 I am not entitled for pension due to not being able to meet “five years continuous” requirement within 10 year residency. My wife however will meet all requirements next month. When she applies for age pension she will receive single rate 733.70 or couple rate 1,106.20?. Will assets in my name be taken into consideration for her asset?

    • Staff
      Elizabeth | May 26, 2014

      Hi Wije,

      Thanks for your question.

      The Department of Human Services treats couples differently when only one member of that couple is eligible to receive the pension. Your assets and income are still considered together, but these combined assets must fall under a certain amount for your wife to be eligible for the pension. To take a look at your eligibility, see the tables listed on the ‘Asset Test Limits’ page on the Department of Human Services website, and take a look at the ‘one partner eligible (combined assets)’ section.

      Hope this has helped.

      Thanks,

      Elizabeth

    • Default Gravatar
      Wije | May 26, 2014

      Dear Elizabeth,hanks for the reply.

      My basic question is what she will receive exactly -733.70 or 553.10 ?

      Wije

    • Staff
      Elizabeth | May 27, 2014

      Hi Wije,

      There are three categories for age pension – single, couple (each), and couple (combined), as your wife is the only one eligible to receive the pension she will receive the couple (each) rate. The maximum rate for ‘couple (each)’ is $577.40, although this may be less depending on the amount of your combined assets.

      I hope this has made things a bit clearer.

      Thanks,

      Elizabeth

  234. Default Gravatar
    Badsanta | May 22, 2014

    Hi, i was born in Feb 1955 and was recently made redundant. I have sold my home and will be moving to Malaysia. Will I be eligible for an aged pension when I turn 65 if I return to Australia to apply or do I need to be back in Australia for 2 years prior to my 65 th birthday. This rule is confusing. I have worked from age17 to 59 in Australia only.

    Cheers

    • Staff
      Shirley | May 23, 2014

      Hi Badsanta,

      Thanks for your question.

      According to the Centrelink website to be eligible “you need to be an Australian resident on the day you lodge your claim, and be physically present in Australia on the day you lodge your claim. You also need to have been an Australian resident for a continuous period of at least 10 years, or for a number of periods that total more than ten years.”

      Please note that if you intend to leave Australia, you payment could be reduced.

      Cheers,
      Shirley

  235. Default Gravatar
    Adrian | May 20, 2014

    Hello. I was born in June , 1954. I have lived continuously in Australia for 35 years, but now work in SE Asia. I am bout to turn 60 and will work some more in Asia, then return to live in Australia, where I have a house. My question is….at what age am I eligible to apply for a pension, and must I live in my house for 2 years first before applying for one? Would I be eligible to all or a part pension? My house is worth about $300,000 and I have about $30,000 in savings. Many thanks.

    • Staff
      Shirley | May 22, 2014

      Hi Adrian,

      Thanks for your question.

      If you were born between 1 July 1954 to 30 June 1955, the qualifying age is 66 years.

      To be eligible, you will need to have been an Australian resident for a continuous period of at least 10 years and be physically present in Australia on the day you lodge your claim. At the time of writing, your principal place of residence isn’t included in the asset tests for the age pension.

      Please log onto the rate calculator on the Centrelink website to determine whether you’re eligible for a full or part pension.

      Cheers,
      Shirley

  236. Default Gravatar
    Richard | May 16, 2014

    Hi

    Have question in regards Australia pension.
    I will be turning 65 in 2016 and have lived in Australian all my life.

    My wife who is not eligible for pension for another 15 years owns the family home, it’s in her name. Value around $850,000

    I have invested heavily over the years in R&D into two inventions I thought of that have not yet returned any income. The inventions are held in two companies that I control. Accumulated losses to me in two companies total around $200,000. I have a few other assets probably totally $50,000.

    Can you give me any idea on how I maybe treated in regards getting a full pension, if everything remains same as today when I turn 65 in 2016?

    Thank you
    Richard

    • Staff
      Elizabeth | May 19, 2014

      Hi Richard,

      Thanks for your question.

      As you and your wife are part of a couple, any assets and income you have will be considered together. So the value of your house, income, etc. You can take a look at the tables on this page for an idea of the cut-offs and limits for assets and income. The value of your two companies will also be taken into consideration, including any losses.

      As your situation is quite specific, it might be best to speak to the Department of Human Services directly.

      Hope this has helped.

      Thanks,

      Elizabeth

  237. Default Gravatar
    Mark | May 16, 2014

    DOES LONG ATTACHMENT CONTINUES ATTACHMENT TO PROPERTY MEAN OWN IT FOR 20 YEARS

    • Staff
      Elizabeth | May 19, 2014

      Hi Mark,

      Thanks for your question.

      If you’re referring to the concessional assets test, then continuous attachment means you are required to have owned and lived in the property for a continuous period of twenty years. You still may be eligible if you had temporary absences for up to 12 months, or up to two years in a care situation.

      Hope this has helped.

      Thanks,

      Elizabeth

  238. Default Gravatar
    Robin | May 13, 2014

    I reached 65 years in March 2014. I am married. Our jont income per year is about A$50,000. We have lived in Australia and are citizens. We have lived in the country for the last 21 1/2 years, with the exception from 2006-2009, when we were temporarily iresident in New Zealand. We own our own home. Could you please let me know whether I would be entitled to an Aged Pension or any thing simiar. Look forward to hearing from you, Kind regards. Robin

    • Staff
      Shirley | May 14, 2014

      Hi Robin,

      Thanks for your question.

      According to the income test, as a couple, you can earn up to $276 per fortnight before there is a reduction in your payment. There is a reduction of 50 cents for each dollar over $276.

      Cheers,
      Shirley

    • Default Gravatar
      | May 14, 2014

      Dear Shirley:
      Thanks for your prompt response. Deeply appreciated.
      My wife is 59 years. Therefore when you mention as a couple we will be entitled to A$276 per fortnight based on the information I gave you, will it mean that if my wife is not entitled to the pension because of her age, that there will be a change in the A$276 mentioned, as only I will be entitled because I am 65.

      Also can you kindly let me know how I should apply for the pension. Should I make an appointment first or how do I get the forms for the application. Thanks for your help Shirley.

      Robin

    • Staff
      Shirley | May 15, 2014

      Hi Robin,

      Thanks for your question.

      Sorry I should have been more clear, you can have an income of up to $276 per fortnight before your pension starts to be reduced (not your pension will be $276 per fortnight). If you’d like to know how much pension you’ll get, please check out the link I’ve emailed to you, its a rate calculator from the Centrelink website.

      To apply for the pension, you can make a claim online through the Centrelink website, or you can make an appointment to visit your local Centrelink office. I’ve included the forms into the email as well.

      Cheers,
      Shirley

  239. Default Gravatar
    morry | May 11, 2014

    hi guys,
    i came to australia in 1962 from the uk, i am now 65, and have worked all those years here, i became a australian citizen in 1994,can you tell me if i decide to retire in thailand if i would be entitald to the age pension whilst living overseas, i do have a small amount of super approx $150,000 in my superfund, i do not own my home or have any other assets,i do know that i will loose any concesions if i decide to stay out of the country on a permanent basis.

    • Staff
      Shirley | May 14, 2014

      Hi Morry,

      Thanks for your question.

      On the Centrelink website it states that “You can get Age Pension for the whole time you are overseas, regardless of whether you leave Australia temporarily or permanently. However, the amount of pension you receive may change if you remain outside Australia for more than 26 weeks. Whether or not your payment amount changes will depend on how long you have lived in Australia between age 16 and age pension age. If you depart Australia before 1 July 2014, you will usually need to have lived in Australia as an Australian resident for 25 years in order to continue receiving your full rate of pension after 26 weeks. If you have lived in Australia less than 25 years you will receive a smaller rate of pension after 26 weeks outside Australia.”

      Cheers,
      Shirley

  240. Default Gravatar
    julia | May 10, 2014

    Am wondering if you can assist with this question please: if I have a small £60pw pension from UK, what’s the best way to get this to Australia? I asked my bank (ANZ) and they said they charge $15 for each incoming international transfer which is too much to lose every week. Then I checked with Heritage and they also charge. Do you know any financial institution which would not charge?

    • Staff
      Elizabeth | May 13, 2014

      Hi Julia,

      Thanks for the question.

      Most banks do charge fees for international money transfers, however, you do have a few options open to you. One way to avoid those fees is to open an account with a bank that has branches in both the UK and Australia. For example, Citibank has global branches and offers international transfer money options for their customers, and CommBank also has a branch location in London who provides foreign exchange services.

      You can also take a look at some of your online money transfer options, some of which may offer you a discount for regular transactions. You also have the option of transferring your money less often (for example, once a month) to reduce the cost of bringing your money over. Take a look at our page on transferring money from overseas and see what options are available to you.

      I hope this has helped.

      Thanks,

      Elizabeth

  241. Default Gravatar
    Mr | May 8, 2014

    I am an Australian citizen and I have lived in the UUnited Kingdom for thirty one years.I am 74 years oof age.I was employed as a teacher in Tasmania and me Victoria from 1966 until 1983 when I came to live in the U K.
    I was employed as a teacher here from 1983 until I retired in 2000.
    Am I eligible for an Australian Pension?

    • Staff
      Shirley | May 9, 2014

      Hi Mr Maxwell,

      Thanks for your question.

      If you meet the asset, income and residency requirements for the age pension (as mentioned above), then it’s likely you’ll be eligible for the age pension.

      Please be mindful that you need to be physically in Australia the day you lodge your claim, and that your payment may be reduced if you intend to leave Australia.

      Cheers,
      Shirley

  242. Default Gravatar
    Julie | May 8, 2014

    Hi
    My husband and I moved to Australia from NZ 2 years ago. I have previously lived here (for 9 years) although he hasnt. We are wanting to be clear on whether we will be eligible for the Australian Pension at age 67. I am currently only 50, my husband 55.
    Thanks, Julie.

    • Staff
      Shirley | May 9, 2014

      Hi Julie,

      Thanks for your question.

      I’ve emailed you the social agreement between Australia and New Zealand, hopefully this will clear some things up for you in terms of eligibility.

      Cheers,
      Shirley

    • Default Gravatar
      | May 9, 2014

      Thanks Shirley

  243. Default Gravatar
    Sharon | May 8, 2014

    I am a New Zealander who has been in Australia since 1979. I have been running my own business since 1986 and receiving an income. Will I qualify to get a pension in Australia when I retire?

    • Staff
      Shirley | May 9, 2014

      Hi Sharon,

      Thanks for your question.

      According to the social agreement between Australia and New Zealand, “You may be able to get Age Pension if: you are at least 65 years of age, and the total period of time you have lived in Australia and/or your periods of Working Age 
      Residence in New Zealand add up to more than 10 years.”

      If you meet the other eligibility requirements as well, it’s likely that you qualify to get the age pension when you retired.

      Cheers,
      Shirley

  244. Default Gravatar
    Chris | May 8, 2014

    I will be eligible for the Age Pension in March 2016. My wife will not be eligible until March 2018. She will continue to work part-time for those 2 years, at $35,000 per year. At what rate do I receive the Pension, assuming no other factors that might affect the Pension Rate.

    • Staff
      Shirley | May 8, 2014

      Hi Chris,

      Thanks for your question.

      Please refer to the article above to determine your eligibility. As a couple, you can have a fortnightly income of up to $276 before there is a reduction in your payment.

      In terms of what rate, you’ll have to enquire about this directly to Centrelink.

      Cheers,
      Shirley

  245. Default Gravatar
    Jill | May 6, 2014

    Hi. I have been traveling overseas for the past 2 years and hope to keep doing so for another year. I will turn 65 in Nov,2015 and would like to know if I have to be in Australia for any amount of time before I can claim my aged pension. I worked in Austrialia from age 17 to 60 years.
    Regards Jill

    • Staff
      Shirley | May 7, 2014

      Hi Jill,

      Thanks for your question.

      One of the requirements is that you’re physically in Australia on the day you lodge your claim.

      Cheers,
      Shirley

  246. Default Gravatar
    Coll | May 5, 2014

    I will be 65 2016 and will retire. We own 50 acres of land with our home. It is all bush and has never earned any money or been farmed. Will I be eligible for a pension.

    I have heard that if you have over 5 acres you can not receive a pension.

    • Staff
      Elizabeth | May 6, 2014

      Hi Coll,

      Thanks for the question.

      Prior to 2007, only 2 hectares of land attached to your home would be exempt from the assets test. But now, land that is over 2 hectares is treated to something called the concessional assets test. This test may increase the amount of land you own that is exempt from the assets test so that it includes all the land your home is on. To qualify you will need to meet the following criteria:

      1. Be of pension age and qualify for pension payments
      2. Have a long-term continuous attachment to the property (20 years)
      3. Satisfy that you are making effective use of the land to generate the maximum income from it

      If you’d like more information on whether you qualify, you might want to get in touch with the Department of Human Services. I hope this has helped.

      Thanks,

      Elizabeth

  247. Default Gravatar
    christine | May 3, 2014

    Many comments in the paper regarding the Age Pension in Australia state that it is an entitlement due to the fact that people have paid in for it all their working life. Under what scheme are the payments deducted, is it under the Medicare deductions or Income tax? In the UK I understand it is under the National Health contributions which set aside the sums needed to pay the payee an
    age pensions upon retirement, thereby claiming it as an entitlement. Over here one only gets a pension if the income and assets fall below the limit, if they go over, then maybe a part pension is allowed. If well over the limit, then no pension!

    • Staff
      Elizabeth | May 5, 2014

      Hi Christine,

      There certainly has been quite a bit in the paper recently, with the proposed reforms looking to support Australia’s ageing population. Australia works on a three pillar retirement system, where retirees rely on pension payments, their lifetime super contributions and any assets acquired by themselves. Australia works in the same way as the UK in that you need to meet asset and income tests in order to qualify for the pension, and this then reduces to part pension if these requirements are not met.

      The Australian age pension is taxpayer funded, although I am unsure if any specific tax deductions are put towards pension payments.

      Thanks for your comment.

      Elizabeth

  248. Default Gravatar
    June | May 3, 2014

    I will be 65 in March 2015 and will still need to work 30hrs a week as my husband is five years younger so doesn’t qualify for a pension until about 2022. Will I be able to have a Seniors card with concessions like medication etc or will I still only qualify for a Seniors business card. My husbands net pay is $965 per week (had raise 6months ago, first in four years, so will be the same next year) if I had to give up work due to bad health would I receive any pension

    • Staff
      Elizabeth | May 5, 2014

      Hi June,

      Thanks for your question.

      You may be eligible for a Commonwealth Seniors Health Card, provided you and your husband’s combined income is less than $80,000 combined. This card will entitle you to discounts or concessions on bulk-billed doctor appointments, out of hospital medical expenses, concessional rail trail on Great Southern Rail services and in some instances extra health or household concessions.

      If you are forced to give up work due to bad health then you may have access to other medical-based concessions and pension payments.

      I hope this has helped.

      Thanks,

      Elizabeth

  249. Default Gravatar
    Paula | May 3, 2014

    I am 64 years of age, my husband has a part-time job and I was wondering if I could apply for a pension of some sorts. We do have an investment property in Brisbane which are renters are paying off for us. We currently rent on the Sunshine Coast. I look forward to hearing from you. My date of birth is the 25/2/1950. My husband’s date of birth if 911/l954.Paula Burke

    • Staff
      Elizabeth | May 5, 2014

      Hi Paula,

      Thanks for your question.

      Your eligibility will depend on your personal situation, but generally your pension will start to be reduced for each dollar you earn over $276 a fortnight between you and your husband. The tables on this page will give you a breakdown on the assets test. Generally, for a couple, your combined assets will need to be less than $279,000 to receive a full pension, or less than $1,110,500 for a part pension. Again, this will depend on your personal situation and it may be best to get in contact with the Department of Human Services directly.

      Hope this has helped.

      Thanks,

      Elizabeth

  250. Default Gravatar
    Mathilda | May 2, 2014

    I find the information on having to reside in Australia for 2 years in the 5 years preceding retirement age (at 65) confusing. Would you please explain, simply, what the rules are in the following scenario:
    I am 63 years of age and thinking of retiring in Bali, on my own. If I were to go and live there now, in 2014, how does that affect the rule of having to live in Australia for 2 years before being able to claim the pension? In other words, do I have to stay in Australia until I’m 65?
    Also, how much in savings am I allowed to have in the bank before my pension is reduced?

    • Staff
      Elizabeth | May 5, 2014

      Hi Mathilda,

      I’ve emailed you information regarding your situation. As for the amount you are able to have in your account, the assets are different for homeowners and non-homeowners, but if you look at the tables on this page under the heading ‘Asset Requirements’ you will be able to see the limits.

      Hope this has helped.

      Thanks,

      Elizabeth

  251. Default Gravatar
    peter | May 1, 2014

    we lived and worked in western Australia from may 1970 until jan 1973 we are now approaching retirement in the uk are we entitled to any contributions from the Australian gov thank you

    • Staff
      Marc | May 1, 2014

      Hi Peter,
      thanks for the question.

      Unfortunately England and Australia don’t currently have any social security agreements, so this means the usual criteria for an Age Pension from Australia applies. Part of this criteria is a minimum residency period of at least 10 years in Australia.

      Cheers,
      Marc.

  252. Default Gravatar
    anthony | April 29, 2014

    I resided and worked in Australia from 1973 until returning to England in 1997. Am I able to claim any pension from Australia?

    • Staff
      Shirley | April 30, 2014

      Hi Anthony,

      Thanks for your question.

      Please refer to the information above to determine whether you’re eligible for the Age pension. Be mindful that you’ll need to be physically in Australia on the day you lodge your claim.

      Cheers,
      Shirley

  253. Default Gravatar
    Nicholas | April 29, 2014

    I am on the old age pension. My wife is not eligible but wants to apply for the newstart allowance (volunteering).
    Will my pension be affected by her newstart allowance and will her newstart allowance be affected by my pension income?

    Cheers
    Nicholas

    • Staff
      Shirley | April 30, 2014

      Hi Nicholas,

      Thanks for your question.

      Generally other Australian pensions are exempt from the income test, so it’s likely that your wife’s NewStart Allowance won’t affect your Age Pension. However, its best to confirm this with the Department of Human Services.

      Cheers,
      Shirley

  254. Default Gravatar
    John | April 28, 2014

    How does Human Services take into account (when applying the income test) (a) pensions from a SMSF and (b) realised capital gains on an investment portfolio?

    • Staff
      Marc | April 29, 2014

      Hi John,
      thanks for the question.

      The assets tests for the Age Pension includes any assets held in superannuation and rollover funds if you’re of Age Pension age. The assets test more than likely includes realised capital gains also, as it includes any cash or money in a bank, as well as the value of any real estate.

      I hope this helps,
      Marc.

  255. Default Gravatar
    Mr | April 27, 2014

    I turned 65 on the 25/11/2013.
    Working Federal Govt 3 days a week.
    Receiving CSS pension fortnightly.
    Thinking of retiring the first pay after the end of the financial year 2014.
    Iam single own my own home and car.Have savings & paying of 2 loans.
    What i’m asking is what is the amount of assests in total i cannot exceed to be eligible for the age pension or a pensioner health card.
    I believe there are 2 separate amounts.
    Thanking you

    • Staff
      Marc | April 28, 2014

      Hi Alexis,
      thanks for the question.

      The asset limits are mentioned on this page. For a single home owner, the limit of assets is $196,750. For every $1000 your assets are worth over this limit your pension is reduced by $1.50 per fortnight.

      For a part pension, this limit is $784,250.

      I hope this helps,
      Marc.

    • Default Gravatar
      Mr | April 29, 2014

      Thanks Marc,
      Is Centrelink and Human Resources age pension the same.
      Also what income am i allowed so as to enable me to receive the full or part pension?
      Because I am presently receiving a CSS pension.
      Ta

    • Staff
      Shirley | April 30, 2014

      Hi Mr Alexis,

      Thanks for your question.

      Centrelink is a part of the Department of Human Services. According to the Age Pension income test, you can receive up to $156 a fortnight (if you are considered a single) before your pension is affected.

      Cheers,
      Shirley

    • Staff
      Marc | April 30, 2014

      Hi Alexis,
      thanks for the reply!

      This is correct, they are both the same Age Pension.

      To receive the pension, if you’re single you can earn a maximum of $1,842.60 per fortnight. Keep in mind though that any amounts over $156 earned per fortnight will reduce the amount you receive by 50 cents per dollar over $156 earned.

      I hope this helps,
      Marc.

    • Default Gravatar
      Mr | May 1, 2014

      Thanks Marc & Shirley for your reply.
      I read somewhere if I earn $47,000 or less iam entitled to a full age pension and $50,000 only eligiblefor a health pension card.
      Is this correct
      Thanks

    • Staff
      Shirley | May 2, 2014

      Hi Mr Alexis,

      Thanks for your question.

      Unfortunately we are unable to comment on this as we’re not official representatives of Centrelink, it’s probably best to ask their customer service team directly as they’ll be able to give you a more informed answer. According to the Centrelink income test for the age pension, as a single you can have an income of up to $156 per fortnight before your payment started to be reduced.

      Apologies that we couldn’t be much of a help.

      Cheers,
      Shirley

  256. Default Gravatar
    Michael | April 21, 2014

    I was born in November 1954 in USA and married and lived here since November 2010 and I am an Australian Citizen. My wife does not work, is Australian born in 1949 and is due the pension this august. I am facing retrenchment and wondering if there any any benefits available to us.

    • Staff
      Marc | April 22, 2014

      Hi Michael,
      thanks for the question.

      You may wish to use the Payment Finder Tool on the Department of Human Services website. I’ve emailed you more information.

      I hope this helps,
      Marc.

  257. Default Gravatar
    peter | April 20, 2014

    i am settling on my divorce next year.
    I will then be 68 and live with my wife (63)
    we own our home
    i will have around$300,000 in savings and my wife has super which she may draw SAY $20,000per year.
    will I be eligible to receive a pension?

    • Staff
      Marc | April 22, 2014

      Hi Peter,
      thanks for the question.

      Unfortunately I cannot say whether or not you’d be eligible for the Age Pension or not. You’ll have to contact the Department of Human Services for an answer regarding this. Generally speaking a couple who are homeowners are allowed to have up to $279,000 in assets before their pension rates are reduced, or $421,500 if they’re non-homeowners. For any asset amounts over these limits your pension will be reduced by $1.50 per fortnight for every $1000 above the amount.

      I hope this helps,
      Marc.

  258. Default Gravatar
    Jody | April 20, 2014

    Hello
    I am of Pension Age and meet the assets/income criteria. Australian Born and lived here full time for 45 years. I believe that I fulfill the pension eligibility requirements
    I now travel outside of Australia, with no fixed address, returning once or twice per year for 2 – 4 weeks.
    I have two questions
    1. Can I apply for the Aged Pension as a Single ?
    2. If I had a Partner, who was not an Australian Citizen nor Resident, on a UK Pension, would I have to provide their financial details in my application ?
    Thank you for your assistance.

    • Staff
      Marc | April 22, 2014

      Hi Jody,
      thanks for the question.

      Unfortunately if you’re a member of a couple your partner’s assets and income will be taken into account with your application. The Department of Human Services defines a you as a member of a couple if you are living together or usually live together, and are:

      - Married
      - In a registered relationship
      - In a defacto relationship

      In some cases the Department will assess your relationship based on finances, social relationships, your household, the presence or absence of a sexual relationship, and the nature of the commitment.

      I hope this helps,
      Marc.

  259. Default Gravatar
    julia | April 19, 2014

    don’t think I phrased that quite right. what I’m asking is whether I would still qualify for a full aged pension here if I have that income of say 115 pf from the uk.

    • Staff
      Marc | April 22, 2014

      Hi Julia,
      thanks for the question.

      There’s an income limit which applies to singles and couples when you wish to apply for the Age Pension. To earn the full pension you must not earn more than $156 per fortnight if you’re single, or up to $276 if you’re in a couple. Any amounts earned over this will reduce the amount of pension you receive. The cut off income limits (earning over this will see you ineligible for the Age Pension) are $1,841.60 per fortnight for singles and $2,817.20 per fortnight for couples.

      Also keep in mind that the Age Pension comes with assets and residency requirements.

      I hope this helps,
      Marc.

  260. Default Gravatar
    | April 17, 2014

    Hi

    I will go to live in New Zealand. Due to the fact that there is a social security agreement with Australia
    and I am entitled to the Australian age pension I will claim it.
    The agreement covers the payment of the rent assistance as well, even living in New Zealand?
    I imagine that if the age pension is income tested, the rent assistance is paid is that so ?

    Thanks.

    • Staff
      Marc | April 22, 2014

      Hi Luis,
      thanks for the question.

      Unfortunately Rent Assistance isn’t paid if you leave Australia permanently. If you leave Australia temporarily you’ll be able to keep your payment for up to 26 weeks depending on different factors.

      I hope this helps,
      Marc.

  261. Default Gravatar
    Llana | April 16, 2014

    We aretwo New Zealanders who lived and worked in Australia from 1977-1986 and now again from 2007 onwards. Our younger son was born in Australia in 1978.
    Our elder son has been working here since 1994 and younger son followed in 2004. As our family was back in Aus permanently, we decided to return and would like to retire here. Are we eligible for the aged pension?

    • Staff
      Shirley | April 16, 2014

      Hi Llana,

      Thanks for your question.

      According to the Social Agreement between Australia and New Zealand, you’re likely to be eligible.

      I’ve emailed you a copy, so you can have a look at whether it applies to your current situation.

      Cheers,
      Shirley

  262. Default Gravatar
    Jenn | April 16, 2014

    Hi there, Iam 64 and my husband is 66 he receives a pension, we have been married for 44 years and I have no income of my own I have always been a stay at home mum, we own our own home, am I entitled as a wife of 44 years to the pension as well, even though I am not 65 yet, we are living off of my husbands $630 a fortnight pension and our super savings of $40000

    • Staff
      Shirley | April 16, 2014

      Hi Jenn,

      Thanks for your question.

      Unfortunately this question is best answered by Centrelink, they will be able to assess your current situation and give you a detailed response.

      Cheers,
      Shirley

  263. Default Gravatar
    Alan | April 16, 2014

    Hi there,

    Am I eligible to obtain an Australian Aged Pension?

    My wife and I are both Australian citizens, my wife is 60 years old and I am 67 years old.

    I have not worked since April 2012 due to the downturn in the mining industry. My wife has not worked since 2009. Neither of us have ever applied for any Government benefits.

    Our SMSF super fund (current balance is $1,130,000.00 in a Fixed Term deposit account) provides us with an annual income of $40,000.00. We have no other savings or own any shares.

    The only property that we own is the family home.

    Thanks and kind regards,

    Alan

    • Staff
      Shirley | April 16, 2014

      Hi Alan,

      Thanks for your question.

      The income tests on the Centrelink website state that as a couple, you can have a fortnightly income of up to $276 before and reductions are made. If you earn a fortnightly income of over $276, then 50 cents is reduced for each dollar of $276.

      Cheers,
      Shirley

  264. Default Gravatar
    Roy | April 16, 2014

    hello, I have lived in Canada for 30 years, prior to coming here I worked in the Australian customs Service for 11 years.I did get a lump sum payment at the time (superannuation) but I am wondering if I am entitled to an Australian pension? Thank you…Roy

    • Staff
      Marc | April 16, 2014

      Hi Roy,
      thanks for the question.

      Whether or not you qualify for the Australian Age Pension will depend. You must satisfy the age requirements, as well as income and assets requirements listed on this page. You might also want to contact the Department of Human Services, as Canada and Australia have a social security agreement which means you may be able to claim either pension.

      I hope this helps,
      Marc.

  265. Default Gravatar
    Brian | April 14, 2014

    I have lived in Australia since 1998 and have never worked or paid much Tax. I now want to live in Thailand with a new lady friend (parting with my wife)I left Australia at the beginning of March will I be able to collect Age pension for ever?

    • Staff
      Marc | April 15, 2014

      Hi Brian,
      thanks for the question.

      This depends on a number of factors, so please contact the Department of Human service for more information.

      Cheers,
      Marc.

  266. Default Gravatar
    raye | April 14, 2014

    I am 65, no longer working, I have been withdrawing from my super since march 2013.

    Am I allowed to apply for a full pension

    • Staff
      Marc | April 15, 2014

      Hi Raye,
      thanks for the question.

      Your eligibility for the Age Pension depends on your assets and income, so please contact the Department of Human Services for more information.

      Cheers,
      Marc.

  267. Default Gravatar
    Julie | April 14, 2014

    I am a NZ citizen & have lived & worked in Australia since April 2003, could you please confirm that I will be eligible for the Australian Pension on retirement.
    Thank you.

    • Staff
      Marc | April 14, 2014

      Hi Julie,
      thanks for the question.

      Unfortunately as we’re not the Department of Human Services we are unable to give confirmation of this. Keep in mind too that this will depend on whether or not your income and assets passes the tests set by the Department of Human Services.

      I hope this helps,
      Marc.

  268. Default Gravatar
    Leon | April 10, 2014

    Im 62yrs old I am thinking of living in Thialand, will I be able to claim the aged pension when Im 65 and 5months subject to assests

    • Staff
      Shirley | April 11, 2014

      Hi Leon,

      Thanks for your question.

      Without knowing your assets this is really hard to say. The asset test limits are on the Centrelink website if you want to have a look.

      Please be mindful that if you decide to move back to Thailand after you claim, your payments could be reduced.

      Cheers,
      Shirley

  269. Default Gravatar
    Jerry | April 10, 2014

    Hi,
    I am almost 65. I have dual nationality -US and Australian. I have not been back to Australia since the early 80′s. My son lives in Perth.
    Am I eligible for anything?
    Regards,

    Jerry

    • Staff
      Shirley | April 10, 2014

      Hi Jerry,

      Thanks for your question.

      You may be eligible for the age pension if you’re physically in Australia on the day you lodge your claim. If you intend to move back to the US your payments may be affected.

      Please also refer to the income and asset tests in this article.

      Cheers,
      Shirley

  270. Default Gravatar
    Liz | April 10, 2014

    We are 61 years old and live in a small house in rural queensland. 5 years ago we bought a large bush block (100acres) and plan to build a small house to retire into. My concern is would we still be eligible for a pension with such a large block of land even though it would never be able to produce any financial gain from the land

    • Staff
      Shirley | April 10, 2014

      Hi Liz,

      Thanks for your question.

      If this block of land is used as your principal home, then generally it is exempt in your assets test for the age pension.

      I’ve emailed you a link about the assets test so you can determine whether this block of land affects your pension.

      Cheers,
      Shirley

  271. Default Gravatar
    Janine | April 8, 2014

    I am 67 and an Australian citizen living in Australia. I don’t have any income other than money in my super from which I will be taking $50,000 before June 30 this year. Would I qualify for an age pension?

    • Staff
      Elizabeth | April 8, 2014

      Hi Janine,

      Thanks for the question.

      The government usually considers your super payments as income, and so if these payments fall below the income thresholds then you will still be eligible for super. As you are receiving your super in a lump sum, the ‘deeming rule’ applies. This means that the amount of the lump sum is calculated with interest, and is used to determine your approximate income levels. The rules around this are quite complicated, so it might be best to contact the Department of Human Services or a financial planner directly.

      I hope this helps.

      Thanks,

      Elizabeth

    • Default Gravatar
      Janine | April 11, 2014

      Thanks for your info – I will look into it further.

  272. Default Gravatar
    mal | April 8, 2014

    I am an Aus permanent resident since 1968 i have NZ citizenship i am dsp recipient last 7years if i return permanent to NZ how or what changes would happen with my DSP pension

    • Staff
      Shirley | April 9, 2014

      Hi Mal,

      Thanks for your question.

      This depends on the nature of your disability. I’ve emailed you the social agreement between Australia and New Zealand to help you determine if your pension will change.

      Cheers,
      Shirley

  273. Default Gravatar
    Marianne | April 7, 2014

    I am a 64 year old woman reaching retirement age next month. I now work part time. I accessed $20k of my super of which $10k is left in an eSavers account. I have $20k in super account accumulating super through employer. I have a mortgage on an investment property with interest only which is $88k+$235k. I own my principal property outright. I am not married and everything is in my name. A younger man lives with me which could be seen as defacto however we do everything separately. My question is will I receive approx $160 per fortnight in pension, thank you

    • Staff
      Marc | April 7, 2014

      Hi Marianne,
      thanks for the question.

      Unfortunately it’s best you contact the Department of Human Services directly regarding the amount of Age Pension you’d receive, as the final decision is with them.

      Cheers,
      Marc.

  274. Default Gravatar
    Anthony | April 6, 2014

    I am 69 years old, born in 1944. My wife works full time. Am I entitled to any form of benefit?

    • Staff
      Marc | April 7, 2014

      Hi Anthony,
      thanks for the question.

      There are a number of conditions and limits on benefits in terms of income and assets, so I’d recommend using the payment finder tool on the Department of Human Services website and then contacting them to find out more about if you’re eligible. I’ve sent you a link to the tool via email.

      I hope this helps,
      Marc.

  275. Default Gravatar
    Raul | April 6, 2014

    I am an australian citizen and lived in Sydney for over 20 years. My question is how do I go about applying for a pension in Australia I am 62 and intend to move to Sydney at the age of 63 live there for 2 years so that I can qualify for a pension or retirement pension. then come back to Ecuador as the cost of living in Sydney is expensive.
    How long would I need to live in Sydney to qualify for it
    Please respond
    Regards
    Raul

    • Staff
      Marc | April 7, 2014

      Hi Raul,
      thanks for the question.

      You can apply for a pension by first checking if you’re eligible for the Age Pension and then lodging your intent to claim with the Department of Human Services via email, in person or over the phone.

      You can receive a pension overseas permanently, although this comes with some conditions. Also, if you’ve returned to live in Australia and have been granted the Age Pension within two years you need to have been living in Australia for two years since your last arrival for residence.

      I hope this helps,
      Marc.

  276. Default Gravatar
    Kostas007 | April 6, 2014

    Hi from Greece,

    I’m an australian citizen born and raised in WA.
    Left Australia when I was 20 in 1997 to live in greece on permanant basis.

    Of course its very early to be discussing this but thought id ask out of curiosity, so here goes.

    Q1. Worked for approx 1,5 yrs before leaving for Greece,
    So can that period contribute to my future pension in Geece if i stay and dont come back?
    I know there is a social security agreement between the 2 countries.
    Q2. If I decide to come back on permanent basis with my family 1child under 5yrs what benifits are given by the country?
    Q3. If reaching the age of above 65 and elegible to receive pension in Greece can you also receive seperately australian pension as well?

    Thank you in advance for your time!

    • Staff
      Marc | April 7, 2014

      Hi Kostas,
      thanks for the question.

      1. The agreement between Australia and Greece allows you to add together your periods of residence in Australia and periods of social security coverage in Greece to make the minimum requirements to obtain a pension payment.

      2. You might want to check the payment finder tool located on the Department of Human Services to see what benefits would be available to you.

      3. A Greek pension will be classified as income if applying for an Australian pension, so the amount you receive would be reduced or cut off completely depending on the amount of pension you’d receive.

      I hope this helps,
      Marc.

    • Default Gravatar
      Kostas007 | April 7, 2014

      Hi Marc and thanks for your reply.

      So later on it’s just a matter of choosing which pension gives the most. I presume I could have this option right?
      Of course depending on currency value to see which I’d be better off with. Euro is a little stronger than aus. dollars at close to 40% at this time! In a few decades who knows…

      P.S. Could you post the link of the tool you mentioned?

      Many thanks and best regards.

    • Staff
      Shirley | April 9, 2014

      Hi Kostas,

      Thanks for your question.

      Yes, you’ll be able to apply for the pension you prefer.

      I’ve emailed you the link to the payment finder tool.

      Cheers,
      Shirley

    • Default Gravatar
      | September 17, 2014

      Hello again,

      I’m writing to you once more just to get your advice and feedback. My brother is soon to leave to Australia and currently working as a civil servant in Greece. As he his an Australian citizen what obligations does he have to receive unemployment when arriving at Perth? He has connections for job opportunity at a later date.

      Should he resign? Is there an option for transfer to similar position in Australia temporarily?
      Any other documents to consider before he leaves for Aus?

      Many Thanks.

    • Staff
      Shirley | September 17, 2014

      Hi Kostas007,

      Thanks for your question.

      Unfortunately we are not in a position to assess your brother’s eligibility for Centrelink benefits.

      I’d recommend that you get in touch with someone from Centrelink to discuss his situation, and they will be able to advise accordingly.

      Sorry that we couldn’t be much of a help.

      Cheers,
      Shirley

    • Default Gravatar
      | September 17, 2014

      Good morning,

      Thanks for your reply, that’s what he told me yesterday.

      Ok have a great day.

  277. Default Gravatar
    Jacqueline | April 2, 2014

    I am 65 in June, but not an Australian citizen although I have resided in Australia since 1957.

    Am I able to apply for an Australian aged pension in June?

    • Staff
      Shirley | April 3, 2014

      Hi Jacqueline,

      Thanks for your question.

      You’ll need to be an Australian citizen, ‘protected’ Special Category Visa (SCV) holder or permanent resident on the day you lodge your claim to be eligible for the age pension.

      Cheers,
      Shirley

  278. Default Gravatar
    Noeline | April 2, 2014

    I am a New Zealander and been living here for 6 Years and am 65 in June and my husband has been working here for all this time he is 67 can I apply for a pension

    • Staff
      Shirley | April 3, 2014

      Hi Neoline,

      Thanks for your question.

      The Australia and New Zealand social agreement states that “if you live in Australia or New Zealand, you can lodge a claim for the Australian Age Pension, Disability Support Pension and Carer Payment in either country.” If you meet the age, income and asset requirements, you may be eligible.

      Cheers,
      Shirley

  279. Default Gravatar
    Andrew | April 2, 2014

    Hi
    I have been living in Thailand now off and on for the last 3 years .Coming back to Australia about every 11 months.
    I turn 65 in November and am eligable for apart pension
    Will this be affected at all as I have been spending time over here due to cost of living expenses
    I plan to be back in Australia at the end of October to lodge my claim
    Many Thanks
    Andrew

    • Staff
      Shirley | April 3, 2014

      Hi Andrew,

      Thanks for your question.

      Please refer to the article above to determine whether you’re eligible for the age pension. You also need to have been an Australian resident for a continuous period of at least 10 years to be eligible.

      Be mindful that “the amount of pension you receive may change if you remain outside Australia for more than 26 weeks. Whether or not your payment amount changes will depend on how long you have lived in Australia between age 16 and age pension age.”

      Cheers,
      Shirley

    • Default Gravatar
      Clem | April 4, 2014

      I have lived continuously in Australia since 1985 and plan to stop work in 2017 when I turn 60. I intend to to spend 6 months per year overseas. Will I meet the residency requirements to qualify for the pension?

    • Staff
      Marc | April 7, 2014

      Hi Clem,
      thanks for the question.

      You can claim the Age Pension even while overseas, although this comes with a number of extra conditions, so I’d contact the Department of Human Services for more information. Also keep in mind that if you have returned to live in Australia and were granted the Age Pension within the last two years you won’t be able to receive the Age Pension unless you’ve been living in Australia for two years since your last arrival for residence.

      I hope this helps,
      Marc.

  280. Default Gravatar
    Luis | March 31, 2014

    My wife and I are Australian Citizens. We are planning to live in New Zealand and claim the
    Australian Age Pension.
    The Australian payments rates apply ?
    Pension Supplement apply ?
    Is there rent assistance ?

    I have and income of around 700 AU dollars per
    fortnight.

    thanks

    • Staff
      Marc | April 1, 2014

      Hi Luis,
      thanks for the question.

      Under the social security agreement between New Zealand and Australia, you can claim an Australian payment while in New Zealand. You can do this by contacting your local New Zealand Work and Income office, the Department of Human Services or by downloading the claim forms on the Department of Human Services website. In terms of rent assistance, if you leave Australia permanently this payment will be stopped. The Pension Supplement will continue as long as you are still eligible.

      I hope this helps,
      Marc.

  281. Default Gravatar
    Keith. | March 31, 2014

    I am a Australian pensioner aged 75. And i am wanting to sponser a Asian partner aged 32 years to get a partner visa to remain in Australia. Will this application for a partner visa affect my age pension.

    • Staff
      Marc | April 1, 2014

      Hi Keith,
      thanks for the question.

      I’d recommend contacting the Department of Human Services to see what effect, if any, this would have on your age pension claims.

      Cheers,
      Marc.

  282. Default Gravatar
    Paul | March 30, 2014

    My wife and I have a home loan with an offset feature.
    How is the balance in the offset account treated for pension assessment.

    • Staff
      Marc | March 31, 2014

      Hi Paul,
      this is a great question!

      Balances held in an offset account are treated as a liquid asset, which means they’re included in the asset test limits. For a couple who own a home, this limit is $421,500 for a full pension, or $1,269,000 for a part pension.

      I hope this helps,
      Marc.

  283. Default Gravatar
    Barbara | March 28, 2014

    Hello, I am a little confused and wondered if you could give me a clear answer. I am an australian citizen and have lived in australia for 15 years. I can retire when I am 65, presently I am 62. Is it true that I will only get a part australian pension as I have not resided in the country for 25 years (35) ? I should be grateful if you could put my mind at ease. Thank you .

    • Staff
      Marc | March 28, 2014

      Hi Barbara,
      thanks for the question.

      According to the Age Pension website, you must have been an Australian resident for a period of at least ten continuous years (different conditions apply if you haven’t lived in Australia for a continuous period). There is a 25 year residence requirement if you want to have your payment paid outside of Australia, with pensioners receiving a lower rate of pension if they haven’t fulfilled this.

      I hope this helps,
      Marc.

    • Default Gravatar
      | March 28, 2014

      thanks Marc now I at least understand the dynamics. Much appreciated.

  284. Default Gravatar
    Gary | March 27, 2014

    Hi can you please tell me how long I can stay out of Australia if I am on a disability pension .Eg can I stay in Thailand say for six weeks then come back to Austraila for one or two weeks to my permnent address then leave for another six weeks to Thailand or Bali and come back every six weeks then go again ect .Thanks Cheers

    • Staff
      Shirley | March 28, 2014

      Hi Gary,

      Thanks for your question.

      According to the Centrelink website, “If you leave Australia to live in another country you will not be able to receive Disability Support Pension (DSP) in the other country, unless you:
      -are terminally ill and are leaving Australia permanently to be with or near a family member, or to return to your country of origin, or
      -left Australia prior to 1 July 2004, and at the time of leaving you were told that you could be paid indefinitely, and you have not returned to Australia to live since that time, or
      -have been assessed in Australia prior to the departure as having a permanent, severe impairment and no future work capacity. Assessment involves a review of your DSP qualification and a Job Capacity Assessment.”

      Hope this helps,
      Shirley

    • Default Gravatar
      | March 28, 2014

      Hi just to clarify a bit my question regarding do you get disabilty pension whet you travel out of the country I am not living in another country but spending as much time there as in Austraila example say 6weeks in Thailand then 6 weeks in Australia but my principle address is in Australia .I have arthritis and can not work and it is better to be where it is warmer climate not in Australia in winter .Hope that is clearer for you .Thanks Cheers ,Harry

    • Staff
      Shirley | March 28, 2014

      Hi Harry,

      Thanks for your comment.

      It seems like you can argue your case to Centrelink to maintain your DSP if choose to live in Thailand. In this case its best to contact Centrelink directly for more information.

      Cheers,
      Shirley

  285. Default Gravatar
    Lorraine | March 27, 2014

    I am turning 65 on 4.5.2014 and do not work or receive any income. My husband will still be employed full time earning 62000.00 per year.
    We own our home. Will I be entitled to any benefits or discounts when I turn 65.

    • Staff
      Shirley | March 27, 2014

      Hi Lorraine,

      Thanks for your question.

      Centrelink generally takes into account the income and assets of both members of a couple – because your husband’s income is over the threshold of over $276 per fortnight, you may not meet the income test.

      Please confirm this with Centrelink, as we’re not directly affiliated with the Department of Human Services.

      Cheers,
      Shirley

  286. Default Gravatar
    Jane | March 27, 2014

    My partner has too much money to receive a pension. We do not live together. If I live with him when I retire I will not be able to receive the pension but what if we remain living apart? Can I receive the pension if I do not live with him when I retire?

    • Staff
      Shirley | March 27, 2014

      Hi Jane,

      Thanks for your question.

      According to Centrelink, you are part of a couple if “you are a member of a couple if you are living together, or usually live together, and are: married, in a registered relationship (opposite sex or same sex), or in a defacto relationship (opposite sex or same sex).”

      If you’re in any of those situations, it’s likely that Centrelink will see you as a couple and your eligibility may be affected.

      Cheers,
      Shirley

    • Default Gravatar
      Jane | April 17, 2014

      I am 65years, separated, but not divorced from my husband . Am I eligible to claim Old Age Pension?

    • Staff
      Shirley | April 17, 2014

      Hi Jane,

      Thanks for your question.

      This depends on the nature of your relationship with your husband. Generally, Centrelink defines a couple if “You are a member of a couple if you are living together, or usually live together, and are: married, in a registered relationship – opposite sex or same sex, or, in a defacto relationship – opposite sex or same sex.”

      Although this doesn’t necessarily affect your eligibility, it may affect the rate of your pension.

      Cheers,
      Shirley

  287. Default Gravatar
    Stephen | March 26, 2014

    Hi, I am 68, born in Dec 1945, my wife is 64 born Dec 1949.
    I still work , and my wife is retired. Can I claim any pension at the moment? Also is my wife entitled to any pension in Dec 2014 when she is 65. Thanks

    • Staff
      Shirley | March 26, 2014

      Hi Stephen,

      Thanks for your question.

      Yes you can still claim pension given that you meet the residence, income and assets tests for the age pension.

      According to Centrelink’s income test, you can earn up to $276 per fortnight before your pension rates are affected.

      Your wife’s eligibility will also depend on if she can meet the residence, income and assets test for the age pension. For more information, please refer to the information above.

      Cheers,
      Shirley

    • Default Gravatar
      Stephen | March 26, 2014

      Thanks Shirley,
      as I earn more than the $276 per fortnight , does that mean my wifes eligibility when she turns 65, is based on that . Or is she assessed on her own income, residence and assets? In other words is her ability to get a pension, based on my income etc, regardless that she is retired?
      Stephen

    • Staff
      Shirley | March 27, 2014

      Hi Stephen,

      Your income is one of three things that your wife’s eligibility is assessed on. So her eligibility isn’t reliant on your income.

      Cheers,
      Shirley

    • Default Gravatar
      Stephen | March 27, 2014

      Hi Shirley,
      on reading your answer, it does not seem clear. Do you mean to say’ is’ rather than’ isn’t’? Thought Id clarify this in case anyone else wants to read it.
      Stephen

    • Staff
      Shirley | March 28, 2014

      Hi Stephen,

      Apologies for the confusion.

      What I meant to say was your wife’s eligibility isn’t just reliant on your current income. It will also depend on her current residence status and assets.

      Hope this clears things up,
      Shirley

  288. Default Gravatar
    Margaret | March 25, 2014

    I am 8O y.o. and have provided details to the Pensioner Bonus scheme over the past 5+ years. I am still self employed and do not quality for the pension. However I may be retiring soon and would like to know what the formula is for assessing amount due.

  289. Default Gravatar
    Margaret | March 25, 2014

    Do real estate assets include your own home when it comes to eligibility criteria for age pension.

    • Staff
      Marc | March 26, 2014

      Hi Margaret,
      thanks for the question.

      Real estate assets do not include your principal home. I’ve emailed you some more information about the payment rates of the pension bonus scheme and how they work.

      I hope this helps,
      Marc.

  290. Default Gravatar
    Peter | March 25, 2014

    If my wife makes application for a single old aged can she submit her assets at 50% of what we own .
    Thank you

    • Staff
      Marc | March 26, 2014

      Hi Peter,
      thanks for the question.

      Unfortunately pension applications take into account all eligible assets that a couple owns. I’d recommend contacting the Department of Human Services for more information.

      I hope this helps,
      Marc.

  291. Default Gravatar
    Christine | March 24, 2014

    I am 65 in april 2015 and wont be working my husband wil be 65 in june 2015 but will work partime for 6 months after he turns 65 Am I eligible for a part age pension .As it depends on my husbands income . what is the amount he can earn and can I apply for an amount .The most I have earned in 40 years is $18,000 a year or less by working I will earn $6,000 this year but sept 2014 I am totally out of work. Looking forward to your answer, Christine

    • Staff
      Marc | March 25, 2014

      Hi Christine,
      thanks for the question.

      This depends on your assets in addition to your income. In terms of income, you can earn up to $2,817.20 a fortnight as a couple before you’re ineligible to receive a pension. It should also be noted that earning over $276 a fortnight reduces the amount of pension you receive by 50 cents per dollar over $276 earned. Unfortunately you cannot apply for a certain amount of pension, this is decided by the Department of Human Services.

      I hope this helps,
      Marc.

    • Default Gravatar
      caorl | March 25, 2014

      hi i’m carol
      I would like to know i’m married my husband doesn’t work i’m 65 in 2015 how much money are you allowed to have in the bank before it affecks your pension we also own our home

    • Staff
      Marc | March 26, 2014

      Hi Carol,
      thanks for the question.

      The combined assets tests for full pensions is $279,000 for homeowner couples and $421,500 for non-homeowner couples. This includes assets such as cash on hand or in the bank, term deposits, property and much more.

      I hope this helps,
      Marc.

    • Default Gravatar
      Peter | March 25, 2014

      I am 62 and my wife is 65 in May. I had been working casually until November when I required open heart surgery. I have not worked since due to recovery and obtaining a clearance to return to work which I will soon. Fortunately I have fully recovered.

      We own our home but have had to use all our savings to pay for medical and living expenses.

      My wife would like to apply for the pension. Will the income I have earned up to November be taken into account when they assess her application or will the amount be determined on the fact that I am currently unemployed and any variation on what I earn in the future.

      Additionally as I am 62 is there any way I can receive the pension early outside applying for a disability pension.

    • Staff
      Marc | March 26, 2014

      Hi Peter,
      thanks for the question, and I’m glad to hear you’ve recovered.

      The income test is worked out on a fortnightly basis, and you’re required to report your income each month each time you receive a Reporting Statement from the Department of Human Services.

      I’d recommend contacting the Department of Human Services, as they’ll be able to give you the most accurate information regarding this process.

      I hope this helps,
      Marc.

  292. Default Gravatar
    Richard | March 24, 2014

    How is tax exempt State Superannuation in a Defined Benefit Fund treated re tests for the age pension.

    • Staff
      Marc | March 25, 2014

      Hi Richard,
      thanks for the question.

      The information on the Department of Human Services website states that “any assets you hold in superannuation and rollover funds if you are of Age Pension age” are assessed under the assets test.

      Interestingly, “superannuation and termination payments which have been rolled over or are going to be rolled over directly from your employer” are not included in this assets test.

      I hope this helps,
      Marc.

  293. Default Gravatar
    Elizabeth | March 24, 2014

    Due to illness I had to resign from job at 63.5 year old. My partner earns 75,000p.a. gross.
    Is there any form of part pension I can get,

    • Staff
      Elizabeth | March 24, 2014

      Hi Elizabeth,

      Thanks for your question.

      In order to be eligible for the pension you and your partner must earn less than $2,817.20 per fortnight, combined. If you are classified as a transitional rate pensioner (you were receiving payments before the 2009 pension changes) then this limit increases to $3,154.00. Although, depending on when you were born you may still be too young to be eligible regardless of income. If you suffer from an illness you may be eligible for some kind of disability pension, which has different criteria. To get a better idea of what you may and may not be eligible for you can take a look at the information provided on the Department of Human Services website.

      I hope this helps.

      Thanks,

      Elizabeth

  294. Default Gravatar
    paul | March 24, 2014

    hi my question i have a friend who moved to work here for 3 to 5 year 2months past and is reciving nz penision is my friend entiled to a pension card how does this work my freined is working 40 hours week

    • Staff
      Marc | March 26, 2014

      Hi paul,
      thanks for the question.

      You can get a pensioner concession card if you’re already receiving the Age Pension. Please contact the Department of Human Services to find out more.

      I hope this helps,
      Marc.

  295. Default Gravatar
    Joe | March 24, 2014

    I got my Australian family in Australia. I am a Canadian citizen of 69 years. I am diabetic Can I apply for Australian citizenship.

  296. Default Gravatar
    aragumbay | March 23, 2014

    what is the cut off acreage for the disability pension….is it 5 acres????

    • Staff
      Marc | March 26, 2014

      Hi aragumbay,
      thanks for the question.

      Assets do not include the family home if it’s under 2 hectares / 5 acres, but even if the home is, there are some conditions which might see it still exempt from your assets tests. I recommend contacting the Department of Human Services for more information.

      Cheers,
      Marc.

  297. Default Gravatar
    rod | March 23, 2014

    how is the pension effected if the family home is situated on 5 0r more acres of land.

    • Staff
      Marc | March 24, 2014

      Hi Rod,
      thanks for the question.

      Unfortunately we’re not able to answer this as we’re not representatives of the Department of Human Services. If you do live in a home which sits on land greater than two hectare/five acres you’ll need to fill in a Real Estate Details form.

      I hope this helps,
      Marc.

  298. Default Gravatar
    ellen | March 22, 2014

    If my husband is working still, will I still be eligible for the aged pension

    • Staff
      Marc | March 24, 2014

      Hi Ellen,
      thanks for the question.

      This will depend on whether or not your husband earns over the income thresholds listed on this page. There are also assets tests to satisfy before receiving the pension. I’d recommend calling up the Department of Human Services to learn more.

      I hope this helps,
      Marc.

  299. Default Gravatar
    Peter | March 21, 2014

    Hi there Marc. First let me thank you on your words of advise to all question askers, okay so here is mine. Yeah I’m an Aussie worked my ass off for nearly forty years in the building industry, yeah I took their advise and retired with a small self funded super pension, like all the rest of the double dippers. My question is has anyone ever challenged this stupid this two year rule thing; I intend to. Yeah I live in Bali; have done for the last six years, sure it’s cheap that’s why I’m here,who could afford to live in Australia on a government pension and have quality of life.

    • Staff
      Marc | March 24, 2014

      Hi Peter,
      thanks for the comment and I’m glad you’ve enjoyed the page!

      I haven’t heard of anyone challenging the rule, but I think that you should be entitled to have your say and let the Department of Human Services know your thoughts on the matter. The Department of Human Services has a complaints and feedback section which allows you to lodge a complain via phone call or in writing. I’ve emailed you more information about this.

      Good luck, and please keep us informed on any responses you receive!

      Cheers,
      Marc.

  300. Default Gravatar
    Sharon | March 20, 2014

    I and my husband are New Zealand citizens. We arrived in Australia: Feb. 2004 and left the country May 14, 2013. My husband worked in Australia all those years. I did not work.

    1. If we were to return to Australia and stayed for a period of time would we be eligible for Age Pension?

    2. How long of a period of time would we have to live there before we are eligible? He is 68. I am 65.

    2. Since I never worked while there – would I actually be eligible once I met the residence requirement?

    3. Also, husband lived and worked in Melbourne for three years many years ago: approximately 1968 – 1971. Based on those dates, he would actually have over 10 years all up in Australia but I do not know how we would prove the 1968-1971 dates. Could we get a statutory declaration from someone who remembers him being there?

    4. Finally, if I were to return to Australia on my own, would I be eligible (refer to question 2.)

    Thank you!

    • Staff
      Marc | March 21, 2014

      Hi Sharon,
      thanks for the question.

      The good news is that New Zealand and Australia have a social security agreement. This means that you can lodge a request for either the Australian or New Zealand payment in either country, so I’d read the information I sent you via email to learn more about applying. In terms of eligibility, this will depend on the payment you choose, as each have income and assets tests you need to fulfil before being eligible. I’d recommend contacting the Department of Human Services (Australia) or the New Zealand Work and Income Office for more information about how this would apply, especially in relation to the questions you have about residency periods.

      I hope this helps,
      Marc.

  301. Default Gravatar
    Ron | March 20, 2014

    I was born in Australia in 1949 and resided continuously in Australia as a citizen until November 2012. I emigrated to the UK with my wife for her health reasons (she has dual citizenship).
    My wife is 64 in April this year. She lived in Australia from the early 70s up until November 2012.
    Are we both or either one of us singly eligible for the Australian pension – if so how do I/we apply.

    • Staff
      Marc | March 20, 2014

      Hi Ron,
      thanks for the question.

      Unfortunately there’s no longer a social security agreement between the two countries, meaning that in order to obtain an Australian pension the usual criteria applies, including the need to be physically present in Australia and an Australian resident at the time of applying for the pension. In addition, to keep receiving these payments overseas you must live in Australia for at least two years before leaving.

      I hope this helps,
      Marc.

  302. Default Gravatar
    Colleen | March 19, 2014

    I am 65 in August my husbands still works as he is 3 yrs younger than me. Will I be eligible for a pension or anything. Do you need to know his gross income

    • Staff
      Marc | March 20, 2014

      Hi Colleen,
      thanks for the question.

      Your eligibility for a pension depends on the income and assets you as a couple make or own, in addition to your age and a residence test. You can call the Department of Human Services to find out if you’d be eligible.

      I hope this helps,
      Marc.

  303. Default Gravatar
    chris | March 19, 2014

    Dear Sir/Madam,
    I am an Australian citizen who lived and worked in Melbourne for 26 years continuously FROM 1968 TO 1994.
    At the start of 1995 I returned to Greece and worked there for 15 years.
    Now, I am 63 years of age and I have been back to Melbourne since AUGUST 2012 and INTEND working HERE until September 2014.
    My question is this:
    If , after September,I spend the next two years in Greece and return to Melbourne once I turn 65 , am I entitled to full pension from Australia or will my entitlement be based on a fraction with denominator 45?
    I am looking forward to your reply.
    Regards,
    CHRIS.

    • Staff
      Marc | March 20, 2014

      Hi Chris,
      thanks for the question.

      Whether or not you’re entitled to a full pension will depend on a range of factors including the results of an income and assets test. In addition, there’s a social security agreement between Greece and Australia, meaning you may be able to apply for either Greek or Australian payments. I’ve sent you more information regarding this. I’d recommend contacting the Department of Human Services for advice regarding this matter.

      I hope this helps,
      Marc.

  304. Default Gravatar
    william | March 19, 2014

    I resided in Australia fro 1974 t0 1989 then returned to the uk. Me and my wife took australian citizenship whilst living in Australia I am now 67years of age and my wife is 65. Are we eligable for an Australian pension

    • Staff
      Marc | March 19, 2014

      Hi William,
      thanks for the question.

      Unfortunately there’s no longer a social security agreement between the UK and Australia, meaning that you must be: ”
      -an Australian resident on the day you lodge your claim, and
      -you must be physically present in Australia on the day you lodge your claim.”

      In addition, if you’ve returned to Australia and have been granted the Age Pension in the last two years you must have been living in Australia for the last two years since your last arrival for residence in order to receive the pension overseas.

      I hope this helps,
      Marc.

  305. Default Gravatar
    mary | March 18, 2014

    when someone greek worked for 16 years in australia from 1954 to 1970 but is not an australian citizen, can he get a delayed pension now. thank you

    • Staff
      Marc | March 19, 2014

      Hi Mary,
      thanks for the question.

      There’s a social security agreement between Greece and Australia, which may be of use in this situation. I’ve emailed you more information regarding this.

      Cheers,
      Marc.

  306. Default Gravatar
    susan | March 18, 2014

    I am 65 in May, my husband is 5 years younger and still in full time employment, earning approx $90K per annum.

    I have been told I cannot receive the age pension until he stops work, is that correct?

    Regards

    Sue

    • Staff
      Marc | March 19, 2014

      Hi Susan,
      thanks for the question.

      There’s an income cut off for the Age Pension which applies to both members in a couple, not just the one earning the income, which maybe be the reason why you’re not eligible for the pension at the moment. The income cut off limits are listed on this page.

      I hope this helps,
      Marc.

  307. Default Gravatar
    | March 17, 2014

    if my partner and i are both on a dsp can we apply for a home loan we have a deposit

    • Staff
      Marc | March 17, 2014

      Hi Andrew,
      thanks for the question.

      Different lenders have different criteria when it comes to income and home loan applications. I’d suggest comparing a number of different home loans and then contacting the lender directly to find out more about their income requirements and policies regarding using a pension as a sole income source.

      I hope this helps,
      Marc.

  308. Default Gravatar
    Athula | March 17, 2014

    I am a citizen of Australia and I got my citizenship after i completing 4 years stay on Permanent Residence, To eligibility for Australian pension is that the 4 years Permanent Residence period included for 10 year period or is it necessary for me to complete 10 years after I obtain Australian Citizenship ?

    • Staff
      Marc | March 17, 2014

      Hi Athula,
      thanks for the question.

      The Department of Human Services website doesn’t make a distinction between whether your residence period occurred when you’re an Australian citizen, it only states that you were an Australian resident:

      “You also need to have been an Australian resident for a continuous period of at least 10 years, or for a number of periods that total more than ten years, with one of the periods being at least five years, unless you:

      -are a refugee or former refugee, or
      -were getting Partner Allowance, Widow Allowance or Widow B Pension immediately before turning Age Pension age, or
      -are a woman whose partner died while you were both Australian residents, and you have been an Australian resident for two years immediately before claiming Age Pension”

      You may wish to contact the Department of Human Services for more information.

      Cheers,
      Marc.

  309. Default Gravatar
    Anthony | March 16, 2014

    Hi, I’ll be 57 this July and would like to retire at 60. Can I do this and access some of my super while working the odd day as a casual teacher? And also, is it true that retirement age is 67 and at this age I can legally access my super.

    • Staff
      Marc | March 17, 2014

      HI Anthony,
      thanks for the question.

      This depends on a range of factors, including when you were born, your income and your assets. I’d recommend calling the Department of Human Services or reading their website to find out if you’d be eligible to access a pension given your circumstances.

      I hope this helps,
      Marc.

  310. Default Gravatar
    Faith | March 15, 2014

    I grew up in Australia and my family moved to Canada when I was 14. (so I lived in Australia for 14 years continuous). When I retire would I receive an Australian pension?
    What if I move back to Australia do I need to stay for a certain amount of time?
    If I work in Australia, how long do I need to work to be able to earn even a base pension?

    • Staff
      Marc | March 17, 2014

      Hi Faith,
      thanks for the question.

      There is a social security agreement between Canada and Australia, which I’ve sent you more information about.

      I hope this helps,
      Marc.

  311. Default Gravatar
    Chris | March 13, 2014

    I’m a born Aussie, citizen, born in 1949. I worked in the USA for 13 years and I’m already receiving a partial US Pension…of $790 US/month.

    I’m going to be in Australia on my 65th birthday and I will reside in Australia from then on. I have fulfilled my Australian Residency requirements.

    What’s the deduction on my OAP for my US Pension?

    • Staff
      Marc | March 14, 2014

      Hi Chris,
      thanks for the question.

      This is a question best suited to the Department of Human Services. They’ll be able to help you with your query and give you the most accurate information.

      I hope this helps,
      Marc.

  312. Default Gravatar
    murray | March 13, 2014

    can u tell me the new requirements for kiwis living in australia as far as the pension goes

    • Staff
      Shirley | March 13, 2014

      Hi Murray,

      Thanks for your comment.

      According to the social security agreement, if you live in Australia or New Zealand, you can lodge a claim for the Australian Age Pension.

      I’ve emailed you a PDF with more information about this.

      Cheers,
      Shirley

  313. Default Gravatar
    paula | March 12, 2014

    Hi my mum lived in Australia then moved back home then last she came back end of either year 2005 or 2006 and still living here she is born 1948 got her age pension at the age 64.5
    my question is if she is entitled for her age pension if she move permanently back home

    Thanks

    • Staff
      Shirley | March 13, 2014

      Hi Paula,

      Thanks for your question.

      According to the Centrelink website, “Your pension payment is made up of two different parts: Age Pension and Pension Supplement. When you leave Australia and we calculate the amount of payment you will receive, we look at Age Pension and Pension Supplement individually. Both payments can change depending on your circumstances.”

      This usually depends on the country that your mother could be moving back to.

      Cheers,
      Shirley

    • Default Gravatar
      | March 13, 2014

      Hi Shirley
      thank You for your reply
      If mum decided to move she will be moving to lebanon
      but my question is if her payment will not stop if she moves permanent
      thanks

    • Staff
      Marc | March 14, 2014

      Hi Paula,
      thanks for the question.

      Generally speaking some pension payments can be paid while outside no matter how long you plan to stay abroad. There are some conditions which you must fulfil however, so please contact the Department of Human Services for more information.

      I hope this helps,
      Marc.

  314. Default Gravatar
    diane789 | March 12, 2014

    I am a single female Australian citizen and have been living in the USA for 30 years with a US Resident Alien Card. If I return to Australia, will I be eligible for any benefits? I am approaching 60 next year.

    • Staff
      Shirley | March 12, 2014

      Hi Diane,

      Thanks for your question.

      According to the Australia and US Social agreement, you’re eligible if the total period of time you have lived in Australia and/or your periods of coverage in the USA add up to more than 10 years.

      If you’d like to make a claim, please contact Centrelink directly.

      Cheers,
      Shirley

  315. Default Gravatar
    Mary | March 11, 2014

    Hi,
    my mum has a house that she has recently sold is about to buy another one in Greece. As the situation is getting very hard she would like to write the house in my name and she is to maintain a life interest. Is this possible without her pension being affected?
    Thank you

    • Staff
      Marc | March 11, 2014

      Hi Mary,
      thanks for the question.

      The assets test listed on the Department of Human Services includes ‘The value of a life interest created by you or your partner, or upon the death of your partner’. I’d recommend contacting the Department for more information.

      I hope this helps,
      Marc.

    • Default Gravatar
      G | March 13, 2014

      My husband will be 66 years this year, I am a nurse working full time, We have fortnightly mortgage payment too, Whether my husband will be eligible for pension if he retire now? He has no other income. He might have nearly $20,000 in super. How much pension he can get? Please reply ASAP as he wants to retire this year, Thank you.GSM

    • Staff
      Marc | March 13, 2014

      Hi GSM,
      thanks for the question.

      There are income tests which apply to couples and assets tests which you’ll need to satisfy to know if your husband would be eligible for the Age Pension. I recommend calling the Department of Human Services to find out if you’d be available, as they’ll be able to give you information which takes into account these personal circumstances.

      Cheers,
      Marc.

  316. Default Gravatar
    denise | March 10, 2014

    I have lived in perth continuously for the last seven years . I presently work full time . I am a new Zealand citizen on a resident for tax visa . I will be sixty six on april the third 2014. I am female and single.

    • Staff
      Marc | March 11, 2014

      Hi Denise,
      thanks for the question.

      New Zealand has a social security agreement with Australia, which I’ve sent you more information about.

      I hope this helps,
      Marc.

  317. Default Gravatar
    | March 6, 2014

    Hello, are Super Fund asset & Family Trust asset part of the asset calculation?

    • Staff
      Marc | March 6, 2014

      Hi Zhou,
      thanks for the question.

      Superannuation assets and loans you’ve made to family trusts are part of the asset limits, as are a range of other assets. I’ve emailed you more information.

      Cheers,
      Marc.

  318. Default Gravatar
    | March 5, 2014

    I lived and worked in Australia for 9 years,born in switzerland and my wife in south africa.We are australians citizens living in cape town south africa.I will retire in september 30th 2014.Am I eligible for a goverment pension?Thanks in advance Andre

    • Staff
      Marc | March 5, 2014

      Hi Andre,
      thanks for the question.

      Unfortunately you must have been an Australian resident for at least ten years during your working life. This can be made up of a continuous period of 10 years, or smaller periods equalling ten years, with the biggest period being at least five years.

      I hope this helps,
      Marc.

  319. Default Gravatar
    | March 4, 2014

    My husband and I are planning to formally separate but wish to keep our family home where my husband lives in both names I have moved to another city for work and as carer for our ill daughter my husband is 70 and has cancer he wants to retire is he eliligble for an aged care pension without consideration of my income we have no cash assets and a mortgage of $220k

    • Staff
      Marc | March 5, 2014

      Hi Susan,
      thanks for the question.

      This is a question best suited to the Department of Human Services. They’ll be able to give you an accurate explanation of what you may be eligible for.

      Cheers,
      Marc.

  320. Default Gravatar
    | March 4, 2014

    I’m 59 years old I’m on desability pension (centerlink) the warm climate helps my arthritis so I like to stay for 13 weeks in greece Is my pension going to stop? Thank you K

    • Staff
      Marc | March 5, 2014

      Hi Kath,
      thanks for the question.

      According to the Department of Human Services website, you can usually keep your DSP payments for up to six weeks when leaving Australia temporarily. But as the website states:

      “You may be able to get your DSP for more than six weeks if you:
      -are studying outside Australia as part of a full-time Australian course, or
      -are severely disabled and dependent on and living with, a family member who has been temporarily posted to work outside Australia by their Australian employer”

      Please contact the Department of Human Services for more information.

      Cheers,
      Marc.

  321. Default Gravatar
    | March 2, 2014

    In 1998 I married a woman who owned her home which remains in her name—she will be 67 later this year and has been retired for 3 years—she has $500,000 in super and a car currently valued at $5000 and minimal other assets
    I turn 69 24th June this year and I have no income as from Dec 2013 and $170,000 in super I have a farm which is currently valued at $900,000 which has a mortgage to NAB of $500,000 which I am in the process of selling—I own a car which is valued at $18,000 and minimal other assets Please advise as to our eligibility for a joint pension

    • Staff
      Marc | March 3, 2014

      Hi Peter,
      thanks for the question.

      As we’re not the Department of Human Services I can’t give a final say as to whether or not you’re eligible for a pension. As this article mentions there are income and assets tests you’ll need to satisfy in order to receive a pension. Please look at these tests to see if you’d be eligible, or contact the Department of Human Services directly.

      Cheers,
      Marc.

  322. Default Gravatar
    | March 1, 2014

    I have a disabled New Zealand-born relative who will be moving permanently to Australia soon to be cared for by me as his current carer is now very old. I have been told his NZ disability pension will cease after he has been living in Australia for six months. He is now in his 60s and has few assets. Will he be eligible for an Australian aged pension when he reaches age 67?

    • Staff
      Marc | March 3, 2014

      Hi Chris,
      thanks for the question.

      You may wish to contact the Department of Human Services for more information about what payments he might be eligible for. Australia has a social security agreement with New Zealand, which I’ve emailed you more information about.

      Cheers,
      Marc.

  323. Default Gravatar
    | March 1, 2014

    Hi, My husband and I are separated but still live under the same roof, he is 70 and has qualified for and receives a full government pension.
    I am 67 and still working full time but I want to cut back my hours, can I claim a part pension? And will my husband’s pension be affected?
    Regards,
    Suzanne

    • Staff
      Marc | March 3, 2014

      HI Suzanne,
      thanks for the question.

      I recommend calling the Department of Human Services directly to discuss your circumstances, as they’ll be able to give you the most accurate and up-to-date information regarding this.

      I hope this helps,
      Marc.

  324. Default Gravatar
    | February 28, 2014

    I worked in Australia for over 20 years .In 2006 I came to Thailand and I have been teaching full time. I was 65 last April 2013.Can I apply for an aged pensio?

    • Staff
      Marc | February 28, 2014

      Hi Margaret,
      thanks for the question.

      Your eligibility will depend on your ability to satisfy the income and assets test mentioned on this page. Also, keep in mind that you need to be an Australian resident and physically present in Australia on the day of lodging your application, unless Australia has a social security agreement with the country you’re living in (Thailand doesn’t have an agreement with Australia).

      Cheers,
      Marc.

  325. Default Gravatar
    | February 26, 2014

    I am 66 in June married wife is64 in June own our own home have 2 cars $1000000 in super am I eligible for any pension

    • Staff
      Marc | February 27, 2014

      Hi Peters,
      thanks for the question.

      Superannuation assets are used in the assets test to see if you’re eligible for the Age Pension. The cut off asset limit for couples looking for a full pension who are homeowners is $279,000, and for those looking for a part pension, the assets limit for home owners is $1,110,500.

      I hope this helps,
      Marc.

  326. Default Gravatar
    John | February 25, 2014

    Lived in Australia since 1966, Australian citizen & US born.

    Receiving Aged Pension here. If I am elgible for US Social Security pension, since I am 70 years of age, will this affect the Australian Aged Pension I am receiving.

    Receiving $555/fortnight
    John

    • Staff
      Marc | February 26, 2014

      Hi John,
      thanks for the question.

      This is best suited to the Department of Human Services, they’ll be able to tell you how this payment might affect your Age Pension.

      I hope this helps,
      Marc.

  327. Default Gravatar
    john | February 23, 2014

    When I retire, my wife will not be old enough to retire. Will I be able to get a part or full aged pension, or does the money my wife earns stop me from getting anything? My wife currently works part time as a teacher.

    • Staff
      Shirley | February 24, 2014

      Hi John,

      Thanks for your comment.

      This will depend on how much your wife earns while she works. For a couple combined, the threshold is up to $276 for a fortnightly income before your payment is reduced.

      Cheers,
      Shirley

    • Default Gravatar
      john | February 24, 2014

      When my wife works itis for herself not me, so even if she works part time and earns about $1500 a week, does it mean I retire and have to wait till my wife retires before I can have any pension? How do I live, my wife pays the mortgage but none of my expences.

    • Staff
      Marc | February 25, 2014

      Hi John,
      thanks for the question.

      Unfortunately couples have a shared cut off limit when it comes to income, and this limit is $2,769.60 per fortnight. You might want to use the payment finder tool on the Department of Human Services website to see if any other payments are available.

      I hope this helps,
      Marc.

  328. Default Gravatar
    Alan | February 23, 2014

    I am an Australian, lived, worked and paid taxes all my life apart in Aus from the last 10 years, I am now 69. My wife has lived in Australia since the age of 6 for about 40 years but still on an EU passport, we have been married for 18 years. We are now moving to Ireland where I intend to apply for my age pension, my question is…can I also apply for the pension for my wife who is 67?

    • Staff
      Marc | February 24, 2014

      Hi Alan,
      thanks for the question.

      Age pensions must be applied for individually. There’s a social security agreement between Ireland and Australia, which talks about the eligibility requirements for the Age Pension. I’ve emailed you more information.

      Cheers,
      Marc.

  329. Default Gravatar
    Mike | February 22, 2014

    hello, my wife and I are 65 and 71 respectively…with a share portfolio (outside super) of a little over $2,000,000, I understand that we are ineligible for any age pension, but I am uncertain as to eligibility for the Commonwealth Health Care Card.
    Can you explain please?
    thanks
    Mike

    • Staff
      Marc | February 24, 2014

      Hi Mike,
      thanks for the question.

      If you live in Australia and receive one of the approved list of payments listed on the Department of Human Services you’ll receive a Health Care Card. I’ve emailed you a page regarding this.

      Cheers,
      Marc.

  330. Default Gravatar
    Garry | February 22, 2014

    I have investment property ,I have a mortgage on it of 250000 the rent covers the repayments I have interest of about 150000 I don’t any return on that.I 100,000 in my superannuation a car and house hold furniture value about $40,000,my Question is how much can Pension am I entitle to, thank you.

    • Staff
      Marc | February 24, 2014

      Hi Garry,
      thanks for the question.

      Unfortunately as we’re not representatives of the Department of Human Services we can’t comment on how much pension you’d be able to receive. Please contact them directly to discuss potential payment rates.

      I’m sorry I couldn’t be of more help,
      Marc.

  331. Default Gravatar
    Michael | February 21, 2014

    I lived and worked in Australia from April 1972 until December 1989, as I was a permanent residence of Australia and married to a Australian citizen and have 31 year old daughter.
    Can I apply and receive my Australian pension although I do not live in Australia.
    I am US citizen and held permanent residency.

    • Staff
      Marc | February 21, 2014

      Hi Michael,
      thanks for the question.

      There’s currently a social security agreement between the USA and America, meaning that if you live in Australia or the USA you can lodge a claim for the Australian Age Pension. I’ve emailed you a copy of the document for more information.

      Cheers,
      Marc.

  332. Default Gravatar
    Paula | February 19, 2014

    I have just turned 65 and would like to know if I am entitled to a pension/part pension as my husband is still working. Thankyou

    • Staff
      Marc | February 20, 2014

      Hi Paula,
      thanks for the question.

      Your eligibility for the Age Pension depends on a range of factors, so for more information be sure to contact the Department of Human Services. Generally speaking, you can still get a pension if you’re partner is working so long as the cut off limit mentioned on this page isn’t reached.

      I hope this helps,
      Marc.

  333. Default Gravatar
    Elwyn | February 19, 2014

    Hi there,

    My father is about to retire. His electing to take a voluntary redundancy with Qantas which he has worked for over 5 years (6 years in July, 2014) as an aircraft mechanic.

    On the asset side they have a house which has equity and an investment property which they own 1/3 share which is currently negatively geared.

    My mother still works as an Age Care and will be for the next 5 years.

    They are concern that they may not qualify according the the income test?

    Will he get any entitlements?

    • Staff
      Marc | February 19, 2014

      Hi Elwyn,
      thanks for the question.

      This will depend on the amount of assets and income they have. We’ve posted the income cut off limits on this page, so it might be helpful to view these. As always the Department of Human Services will have the final say regarding this matter, so I’d recommend calling them to find out.

      Sorry I couldn’t be of more help,
      Marc.

  334. Default Gravatar
    carolyn | February 19, 2014

    We are self employed trades people, husband is 67 and is only working ocassionally, l am 60 i do books for business and general run around, income is divided equally, i know he is able to get the pension, but can you please tell me if l will need to go on newstart and if so will l need to look for work, or do i just declare what income i get from the business and get a small amount of newstart.
    Thanks

    • Staff
      Marc | February 19, 2014

      Hi Carolyn,
      thanks for the question.

      Unfortunately we are not the Department of Human Services, so are unable to give a definitive answer to this question. I recommend you give them a call, they’ll be able to take into account your personal circumstances and let you know what payments you could be eligible for.

      I’ve also emailed you a link to the payment finder tool, which may also be of some help.

      I hope this helps,
      Marc.

  335. Default Gravatar
    Jeani | February 18, 2014

    My husband stopped work 4 years ago, due to health.
    He was put on job start. But worked for aged care voluntary, as a gardener. He was born in 1950 mar 12. he has received a Pension concession card today. Does that mean he is on a pension. I still work as I was born in 1952. Earn 1500.00 most fortnights. if so what entitlements would he receive. Thank you jeani

    • Staff
      Marc | February 19, 2014

      Hi Jeanie,
      thanks for the question.

      In general, you’ll receive the the Pensioner Concession Card if you receive the Age Pension or payments such as the Disability Support Pension. You’ll also receive it if you are aged over 60 and for nine months or more have been receiving the:
      - Newstart Allowance
      - Parenting Payment (if you’re partnered)
      - Partner Allowance
      - Sickness Allowance
      - Special Benefit
      - Widow Allowance

      I’ve emailed you some information about payment rates, but as it mentions on this page this will depend on your income and assets.

      I hope this helps,
      Marc.

  336. Default Gravatar
    Rod | February 17, 2014

    I am 67 and receive an age pension. my partner is 62 and no longer employed but gets no govt assistance. We have completely separate assets (she owns house) but share food and services costs for my house but not rates or car or insurance, etc. i have no benefit from her assets or property. Does this remove her assets from our assessment if we live together or is my pension diminished even though I gain no benefit?

    • Staff
      Marc | February 18, 2014

      Hi Rod,
      thanks for the question.

      Unfortunately assets are assessed based on the value you would get for them if you sold them, not if they are providing a benefit to you. Couples applying for a full pension can have a maximum of $279,000 in assets if they’re homeowners and $421,500 if they aren’t homeowners. Amounts over this reduce the pension by $1.50 per fortnight for each $1000 over the limit.

      I hope this helps,
      Marc.

  337. Default Gravatar
    Roz | February 17, 2014

    Hello

    My partner is 69 and still working but would like to retire. I am 62 this year and still working, but salary sacrificing most of my pay into super and drawing from a transition-to-retirement income scheme. Would the salary sacrificed amount be counted as my income, or would only the income stream and residual salary be counted as income?

    Thanks

    Roz

    • Staff
      Marc | February 18, 2014

      Hi Roz,
      thanks for the question.

      Unfortunately assessable income includes employment income which is salary sacrificed into superannuation.

      I hope this helps,
      Marc.

  338. Default Gravatar
    ivan | February 17, 2014

    I receive aged pension amounting to $623 per fornight and wife receives $463 unemployment benefits per fornight as she has not yet reached 65 years of age. How much can she earn per forthight minimum before my pension is affected

    • Staff
      Marc | February 18, 2014

      Hi Ivan,
      thanks for the question.

      Couples can earn a maximum of $2,769.60 per fortnight before the Age Pension is cut off. Any amounts over $276 earned per fortnight will reduce the pension by 40 cents per dollar.

      I hope this helps,
      Marc.

  339. Default Gravatar
    Marinda | February 17, 2014

    I’ve lived in Australia for 9 years and 10 months and on my way to live in south Africa until I retire and wish to return to Australia when I’m age 67. Will I have to be back in Australia for two years before I qualify for age pension or will I not qualify at all?

    • Staff
      Marc | February 18, 2014

      Hi Marinda,
      thanks for the question.

      To be eligible for the Age Pension you must (in addition to other requirements) be physically present in Australia on the day you lodge your claim, and be an Australian resident on the day you lodge your claim.

      The two year rule applies to those wishing to receive the Age Pension out of the country. If you’ve returned to live in Australia and were transferred to the Age Pension in the last two years you’ll be unable to receive the pension outside of Australia. In order to be paid once leaving Australia you’ll need to live in Australia for two years since your last arrival for residence.

      Cheers,
      Marc.

  340. Default Gravatar
    Riney | February 17, 2014

    Hi, I like to ask if there is any chance that the social security agreement between Australia and the UK is coming back in the next 5 years?

    • Staff
      Marc | February 17, 2014

      Hi Riney,
      thanks for the question.

      The UK and Australia reopened talks to discuss the issue of frozen pensions in 2012 for those emigrating to Australia from the UK, but unfortunately there’s been no news on whether or not an agreement will return in the near future.

      Cheers,
      Marc.

  341. Default Gravatar
    Tony | February 14, 2014

    I am 69 years old and receiving the aged pension. If I go and live abroad and get married there, can I claim a married couple pension for myself and my foreign wife ?

    • Staff
      Marc | February 17, 2014

      Hi Tony,
      thanks for the question.

      To be eligible for a couple pension both members of the couple need to satisfy the requirements listed on this page.

      I hope this helps,
      Marc.

  342. Default Gravatar
    Fred | February 11, 2014

    Hallo, in the situation of a de facto partnership, where both are over 65 but one person is eligible for the age pension as an Australian citizen and about to claim, but the other person is not (and is unlikely to be for another 12 years awaiting a permanent visa before qualfiying residency years can begin), does the Australian citizen have to show their partner’s income (a small pension from the UK) when they make their claim?

    • Staff
      Marc | February 12, 2014

      Hi Fred,
      thanks for the question.

      Each request for the Age Pension is handled on a case-by-case basis, so it may be best to contact the Department of Human Services directly regarding this.

      Cheers,
      Marc.

  343. Default Gravatar
    Mark | February 11, 2014

    Hi There,

    Now living in the uk, can you give me a fools guide to claiming my Australian pension, do I really have to fly back to lodge my intent??

    Thanks

    • Staff
      Marc | February 11, 2014

      Hi Mark,
      thanks for the question.

      Australia no longer has a social security agreement with the UK, so this means the following rules apply: “If you returned to live in Australia and were granted or transferred to Age Pension within the last two years, you will not be able to receive your Age Pension outside the country. After you return, to be paid outside the country, you must have been living in Australia for two years since your last arrival for residence. If you travel to a country that Australia has a social security agreement with, you may be able to continue to get your payment under that social security agreement.”

      I hope this helps,
      Marc.

    • Default Gravatar
      dIane | February 13, 2014

      I’m an Australian resident having lived here from 1973 to 2006 returning each year from 2006 to now to pay my tax visit my family and restore my house .
      My question I have been told I’m not eligable for an age pension Why would that be , I am 66 this year