Age Pension Eligibility

Australian Age Pension Eligibility Requirements

Posted July 10th, 2012 and last modified July 23rd, 2014

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.

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.

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

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.

Rates last updated July 30th, 2014.
Maximum Variable Rate p.a. Standard Variable Rate p.a. Bonus Interest p.a. Fees Min Bal / Min Deposit
ING DIRECT Orange Everyday Account
ING DIRECT Orange Everyday Account
A transaction account with no monthly fees, plus a range of bonus features to take advantage of. 0.00% 0.00% 0.00% $0 $0 / $0 OpenMore
HSBC Day to Day Transaction Account
HSBC Day to Day Transaction Account
Enjoy no monthly account keeping fees, unlimited ATM transactions at over 3,000 HSBC, Westpac, St George, BankSA and Bank of Melbourne ATMs, with no ATM fees 0.50% 0.50% 0.00% $0 $0 / $0 OpenMore
Bankwest Qantas Transaction Account
Bankwest Qantas Transaction Account
Earn Qantas Points for your daily balance and eligible purchases, and Bankwest won't charge overseas ATM withdrawal fees either. 0.01% 0.01% $6 $0 / $0 OpenMore
Westpac Choice
Westpac Choice
Deposit at least $2000 per month and enjoy no monthly service fee. Get this award winning transaction account from Westpac. 0.00% 0.00% $5 $0 / $0 OpenMore
Citibank Plus Transaction Account
Citibank Plus Transaction Account
Enjoy international money transfers from Australia to any account, anywhere in the world. No monthly fees, no ATM fees. 0.00% 0.00% 0.00% $0 $0 / $0 OpenMore
ANZ Access Advantage
ANZ Access Advantage
Open ANZ Access Advantage everyday account and enjoy unlimited transactions using ANZ ATMs, ANZ Phone & Internet Banking, plus branch, cheque and EFTPOS 0.00% 0.00% 0.00% $5 $0 / $0 OpenMore
BankSA Complete Freedom Account
BankSA Complete Freedom Account
Free unlimited transactions and no monthly account fees when you deposit at least $2,000 into the account each month. 0.00% 0.00% 0.00% $5 $1 / $1 OpenMore
St.George Complete Freedom Account
St.George Complete Freedom Account
No account keeping fees, if you deposit $2000 per month plus no minimum balance required. 0.00% 0.00% 0.00% $5 $0 / $1 OpenMore
St.George SENSE
St.George SENSE
An incredible transaction account with a high interest rate! 2.85% 2.85% 0.00% $5 $0 / $0 OpenMore

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.

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665 Responses to Australian Age Pension Eligibility Requirements

  1. 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

  2. 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

  3. 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

  4. 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

  5. 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

  6. 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

  7. 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

  8. 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

  9. 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

  10. 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

  11. 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

  12. 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

  13. 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

  14. 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

  15. 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

  16. 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

  17. 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

  18. 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

  19. 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

  20. 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

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    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

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    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

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    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

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    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

  25. 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

  26. 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

  27. 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

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    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

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    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

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    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

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    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

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    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

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    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

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    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

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    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

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    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

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    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

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    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

  39. 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

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    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

  41. 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

  42. 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

  43. 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

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    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

  45. 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

  46. 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

  47. 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

  48. 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

  49. 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

  50. 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

  51. 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

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    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

  53. 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

  54. 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

  55. 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

  56. 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

  57. 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

  58. 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

  59. 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

  60. 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

  61. 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

  62. 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

  63. 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

  64. 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

  65. 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

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    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

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    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

  68. 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

  69. 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

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    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

  71. 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

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    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

  73. 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

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    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

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    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

  76. 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

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    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.

  78. 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

  79. 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

  80. 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.

  81. 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

  82. 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.

  83. 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.

  84. 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.

  85. 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.

  86. 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.

  87. 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

  88. 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

  89. 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

  90. 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.

  91. 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.

  92. 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.

  93. 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.

  94. 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

  95. 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

  96. 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

  97. 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.

  98. 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

  99. 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.

  100. 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.

  101. 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.

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    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

  103. 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

  104. 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

  105. 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.

  106. 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.

  107. 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.

  108. 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.

  109. 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.

  110. 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

  111. 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

  112. 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

  113. 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

  114. 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.

  115. 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.

  116. 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.

  117. 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.

  118. 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.

  119. 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

  120. 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.

  121. 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.

  122. 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.

  123. 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.

  124. 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.

  125. 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.

  126. 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.

  127. 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.

  128. 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.

  129. 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.

  130. 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.

  131. 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.

  132. 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.

  133. 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.

  134. 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.

  135. 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.

  136. 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.

  137. 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.

  138. 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

  139. 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.

  140. 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

  141. 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.

  142. 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.

  143. 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.

  144. 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.

  145. 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.

  146. 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.

  147. 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.

  148. 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.

  149. 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.

  150. 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.

  151. 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.

  152. 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.

  153. 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.

  154. 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.

  155. 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.

  156. 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.

  157. 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.

  158. 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.

  159. 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.

  160. 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.

  161. 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.

  162. 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.

  163. 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.

  164. 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.

  165. 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.

  166. 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.

  167. 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.

  168. 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.

  169. 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

    • Staff
      Marc | February 13, 2014

      Hi Diane,
      thanks for the question.

      If the Department of Human Services has said you’re ineligible for the Age Pension, you might want to call them to find out more behind the reasons why. It could be due to a range of factors including failure of the income test or asset test. Also, depending on when you were born the minimum age can be as high as 67.

      I hope this helps,
      Marc.

  170. Default Gravatar
    Judy | February 10, 2014

    Could you please clarify the residency requirements for the age pension?

    I’m Australian and lived in Australia from 0-40 before working overseas.

    If I return to Australia and live and work there for 2 years before claiming the pension, does that mean I can straightaway take it overseas? Or do you have to actually receive the pension for 2 years before being able to take it overseas?

    re the 25/35 year requirement, I’ll have fulfilled about 2/3 of it (assuming it’s now 35 years). Do you know how much that will affect the the rate being paid (or know of a link to a calculator)?

    Thanks

    • Staff
      Marc | February 11, 2014

      Hi Judy,
      thanks for the question.

      The Department of Human Services website only states that you must have been living in Australia for two years since the last arrival for residence. For further clarification you may want to call the Department of Human Services directly.

      The 35 year rule is still being considered by the Federal Government. At the moment this requirement is still 25 years.

      The Department of Human Services gives this example: “For example, Henri arrived in Australia in June 1990. He lived and worked in Australia until his retirement in May 2011. He decides to leave Australia to visit family and friends. After 26 weeks absence from Australia he will receive a rate of Age pension based upon his Australian Working Life Residence of 21 years. That is, he will receive 21/25ths (84%) of the maximum means-tested rate of pension”

      I hope this helps,
      Marc.

  171. Default Gravatar
    Moira | February 10, 2014

    My husband (born 1938) and myself (born 1950) immigrated to Australia in 2007, do we qualify for a pension. We are both Australian Citizens. We have a home which is not fully paid for.
    Thank you

    • Staff
      Marc | February 11, 2014

      Hi Moira,
      thanks for the question.

      Please see the section entitled “Residence requirements” on the page above.

      Cheers,
      Marc.

  172. Default Gravatar
    Rod | February 10, 2014

    Hi, I’m turning 65 this week and will decide to retire (not work). My wife is younger and still working and I have an investment property valued at $140k and owe $10k. I received $7k last year rental and my wife receives $25k pa part-time. We almost own our house valued at $499k. Is there a table (or) where I can estimate my approximate pension amount?

    • Staff
      Marc | February 11, 2014

      Hi Rod,
      thanks for the question.

      I’ve emailed you a link to the payment estimator tool.

      Cheers,
      Marc.

  173. Default Gravatar
    Amy | February 10, 2014

    My husband will turn 65 in May but I am only 52 and earning over $80,000 gross annually.

    However, other than my salary, we do not own our home and have no bank savings or other assets of any kind. Is he eligible for a pension?

    • Staff
      Marc | February 11, 2014

      Hi Amy,
      thanks for the question.

      There are income cut-off points for couples. For couples, a fortnightly income of $2,769.60 will see the pension amount reduced to $0.

      I hope this helps,
      Marc.

  174. Default Gravatar
    Graham | February 10, 2014

    I am an australian citizen from birth in 1949 and lived and worked in australia until 1999. I moved to uk that year and live in uk.

    Am i entitled to an australian pension when i become 65 this year?

    • Staff
      Marc | February 10, 2014

      Hi Graham,
      thanks for the question.

      You must be an Australian resident and be physically present in Australia on the day you lodge your claim. In addition, if you returned to live in Australia and were granted the Age Pension within the last two years you can’t receive your pension overseas without first living in Australia for two years since arriving.

      For more information please contact the Department of Human Services.

      Cheers,
      Marc.

    • Default Gravatar
      Jenny | February 24, 2014

      Hi Marc. I read that Australia and the UK did have a social security agreement up until March 2001. Why can’t this person apply for his Australian age pension through the UK Pension Service on the basis that he had 25 years working age residency in Australia before the agreement was terminated?

    • Staff
      Marc | February 24, 2014

      Hi Jenny,
      thanks for the question.

      This matter is best referred to the Department of Human Services or the UK Department of Social Security as we’re not representatives of either. The DSS website states that the Australian pension cannot be granted to those residing in the UK: “Australia will continue to pay its Age Pensions to pensioners going to the UK under it’s general portability laws. However, Australia will not grant pensions to people residing in the UK (nor did it prior to the Agreement terminating).”

      I’ve emailed you a fact sheet which lists these conditions.

      Cheers,
      Marc.

  175. Default Gravatar
    kent | February 10, 2014

    hi.i am a canadian.if i marry an australian citizen do i qualify for age pension.thanks for any info.
    Kent

    • Staff
      Marc | February 11, 2014

      Hi Kent,
      thanks for the question.

      To be eligible for the Age Pension you must satisfy the residence requirements listed on the page above.

      Cheers,
      Marc.

  176. Default Gravatar
    Leonie | February 8, 2014

    My husband is 67 and I am 66 years old. My husband earns $60,000 pa and I earn $13,000 pa. We own our own home but have no other assets. Are we eligible for the aged pension or part of?

    • Staff
      Marc | February 10, 2014

      Hi Leonie,
      thanks for the question.

      You can earn an income while receiving the Age Pension, although it should be noted that couples can earn a maximum of $2,769.60 per fortnight before the Age Pension is unavailable.

      I hope this helps,
      Marc.

  177. Default Gravatar
    Anna | February 8, 2014

    Hi, my husband and I are receiving the full Australian age pension and are living overseas at the moment (Croatia). My husband has recently been diagnosed with Alzheimer’s disease (late stage). My question is – what are the conditions behind the term “separated due to illness”? Does he have to be in an old age home or can he be in a private care situation?

    • Staff
      Marc | February 10, 2014

      Hi Anna,
      thanks for the question.

      According to the Australian Government ‘Guide to Social Security Law’:

      ” A couple (whether of the same sex or a different sex) is considered to be an ‘illness separated couple’ (section 4(7)) where:
      -they are unable to live together in their home, and
      -the inability to live together:
      is due to illness or infirmity of either or both of them, and results in their living expenses being greater or are likely to be greater than otherwise, and is likely to continue indefinitely.”

      I hope this helps,
      Marc.

  178. Default Gravatar
    John | February 7, 2014

    maximum allowed before eligible for pension

    • Staff
      Marc | February 10, 2014

      Hi John,
      thanks for the question.

      If you’re referring to the maximum income allowed before being eligible for the pension, this is $1,810.30 per fortnight for singles and $2,769.60 for couples. If you’re part of an illness separated couple this is $3,584.40 per fortnight.

      I hope this helps,
      Marc.

  179. Default Gravatar
    peter | February 7, 2014

    I am an Australian citizen born in Australia but am a musician and travel with a around the world and reside in the uk. I am now 68 am I able to claim old age pension

    • Staff
      Marc | February 10, 2014

      Hi peter,
      thanks for the question.

      To be eligible for the Australian pension you must reside in Australia and be physically present at the time of application. There was an agreement between the UK and Australia in the past but this has now ended.

      I hope this helps,
      Marc.

  180. Default Gravatar
    Philip | February 7, 2014

    Dear Sir, I worked in Australia ffor 13 years (1988 to mid 2000).
    I retire in 7 months time. I live in Spain and would like to know what I qualify for and for how long regarding an Australian pension.
    I would be most grateful for any guidance that you can afford.
    Respectfully yours.
    Philip Stanley.

    • Staff
      Marc | February 7, 2014

      Hi Philip,
      thanks for the question.

      Spain and Australia have a social security agreement. This agreement allows you to lodge an Age Pension claim from either Australia or Spain. I can’t tell you specifically if you qualify as I don’t represent the Department of Human Services, so I’ve emailed you the relevant information to check.

      I hope this helps,
      Marc.

  181. Default Gravatar
    Nigel | February 7, 2014

    My wife and I were both born in Australia and lived full time until we were 29. The we have lived a number of years split between Europe, USA and Australia since then. We are currently living in the USA. Would we be eligible for the pension when we are 67, (born in 1957) if we meet the asset test?

    Do we have to be living in Australia for two years prior to applying for the pension, or could we apply from overseas?

    • Staff
      Marc | February 7, 2014

      Hi Nigel,
      thanks for the question.

      There is an agreement between the USA and Australia, which I’ve emailed you more information about. Through thus agreement you can lodge a claim for the Age Pension from either Australia or the USA.

      I hope this helps,
      Marc.

    • Default Gravatar
      Mr | February 7, 2014

      Dear Sir
      I was born in 1949. i lived in Austalia from 1961 to 1979, and worked from 1965, i will be 65 in april 2014, i am an Italian citizen.
      I been living in the UK for 27 years.
      at the moment i don’t work, i own my house.
      I would like to know do i qualify for an Austalian pension.
      Thank you

    • Staff
      Marc | February 10, 2014

      Hi Mr Briguglio,
      thanks for the question.

      To be eligible for an Australian Age Pension, in addition to the income, assets and age requirements, you must be an Australian resident on the day of lodging your claim, and you must be physically present in Australia on the day you lodge your claim.

      I hope this helps,
      Marc.

  182. Default Gravatar
    Vicki | February 6, 2014

    Hi
    My husband reaches pension age in July 2014 but I do not reach pension age until I am 67 (born 1955). Will my husband receive a full/part pension if I continue working? Thank you

    • Staff
      Marc | February 6, 2014

      Hi Vicki,
      thanks for the question.

      Being eligible for the pension also relies on an assets and age test which are mentioned on this page above. In terms of income, couples can earn up to $2,769.60 per fortnight and still be eligible for the pension, although as mentioned in the page above the amount you receive will be reduced for any amounts over $276 earned.
      I hope this helps,
      Marc.

  183. Default Gravatar
    John | February 5, 2014

    What is the maximum assetts a couple can have in dollar value including home cash in banks etc. before a pension is eligible.
    Thank You

    • Staff
      Shirley | February 6, 2014

      Hi John,

      Thanks for your comment.

      This will depend on your family situation and whether you’re a homeowner or non-homeowner. I’ve emailed you a link to a page with more information.

      Cheers,
      Shirley

  184. Default Gravatar
    mary | February 5, 2014

    I`am an Australian Citizen moved here in 1970 left 1990 now I want to come back and live will I get a pension,also am I allowed just to move back here and live.ps I was born in the UK

    • Staff
      Marc | February 6, 2014

      Hi Mary,
      thanks for the question.

      The residence requirement for receiving the Age Pension is ten continuous years of being an Australian resident. For more information about moving to Australia and receiving the Age Pension please contact the Department of Human Services.

      I hope this helps,
      Marc.

  185. Default Gravatar
    John | February 5, 2014

    What is the maximum I can earn yet still receive some pension benefits?

    Thank you

    • Staff
      Shirley | February 5, 2014

      Hi John,

      Thanks for your comment.

      This depends on your personal situation – I’ve emailed you two links that states the limits of the assets and income test you can see which threshold applies to your situation.

      Cheers,
      Shirley

  186. Default Gravatar
    mumebak | February 3, 2014

    I am a female aged 67 and still working. My husband is 66 & also still working. He wants to continue and has a salary of about $40.000 per annum.
    Can I stop working and would I be eligible for a pension, or would by husbands income limit my options.
    We still have a mortgage on our house, but can presently keep up the payments.

    • Staff
      Marc | February 4, 2014

      Hello Mumebak,
      thanks for the question.

      It’s best to ask this question to the Department of Human Services directly. They run a phone service which many people in your situation use and get great results out of. I’ve emailed you more information.

      Cheers,
      Marc.

  187. Default Gravatar
    albert | February 2, 2014

    By reading the criteria for applying for Age Pension, I am not eligible to qualify for the pension, However, am still eligible to apply the pension card for medical benefits?
    Thanks
    Albert

    • Staff
      Shirley | February 3, 2014

      Hi Albert,

      Thanks for your comment.

      The eligibility criteria is quite complex and is different for every person, I’ve emailed you a page with all this information so you can have a look at whether your situation is eligible for the pension card.

      Cheers,
      Shirley

  188. Default Gravatar
    Shane | February 1, 2014

    I lived in Australia from December 1976 until May 1981, January 1983 until May 1985, and January 1988 until December 1992. Am I eligible for an Australian pension when I turn 65? I am an Australian citizen. Currently I live in Thailand and work as freelance consultant to multilateral development banks, most notably World Bank and Asian Development Bank.

    • Staff
      Shirley | February 3, 2014

      Hi Shane,

      Thanks for your comment.

      This is hard to say because there should be at least one period where you have lived in Australia continuously for five years. Please contact Centrelink to confirm your eligibility.

      Cheers,
      Shirley

  189. Default Gravatar
    Ragaie | February 1, 2014

    I’m 63 years old & my wife is 60 y.0, We’re planning to retire this year or next year. We lived in Australia for about 25 years so far. Our superannuation lump sums will pay off our home loan and other liabilities. Are we entitled to receive age pension on this age? And what should we do if I want to stop work this year (Note: only me is currently working).
    Best regards.

    • Staff
      Shirley | February 3, 2014

      Hi Ragaie,

      Thanks for your comment.

      Males need to be 65 or over to be eligible for the age pension and females aged 64 and a half.

      Unfortunately I can’t advise on what should be done if you’d like to stop work this year – a financial planner is much more qualified to assist you.

      Cheers,
      Shirley

  190. Default Gravatar
    zarin | January 30, 2014

    does 5 year continues stay mean holiday outside australia is not allowed

    • Staff
      Shirley | January 31, 2014

      Hi Zarin,

      Thanks for your comment.

      You can still go on holidays for a period of up to six weeks I believe, however it’s best to confirm this with Centrelink as it is usually different for every person.

      Cheers,
      Shirley

  191. Default Gravatar
    Dawn | January 30, 2014

    I have heard that the Australian working life residency requirement for an age pensioner living overseas would be extended in Jan 2014,from 25 to 35 years in order to recieve a full pension.
    Could you please tell me whether this legislation has actually gone through,and if not whether it is likely to? Thanks

    • Staff
      Shirley | January 30, 2014

      Hi Dawn,

      Thanks for your comment.

      It’s likely that this legislation has been passed, I’ve emailed you a pamphlet from National Seniors Australia with more information.

      Cheers,
      Shirley

  192. Default Gravatar
    Barbara | January 29, 2014

    I will be 65 in March and 13 years older then my husband who still works. Can I apply for a pension. I have retired.

    • Staff
      Shirley | January 30, 2014

      Hi Barbara,

      Thanks for your comment.

      This depends on your existing income and assets between you and your partner. I’ve emailed you some pages that lists all the thresholds to help you determine this.

      Cheers,
      Shirley

  193. Default Gravatar
    Martin | January 28, 2014

    Can you please tell me when I would be eligible for a pension I was 64 in January. Can my wife still work once I get the pension & will this effect my pension or can my wife claim a pension with me or does she have to wait until she is 65. If my wife was working part time what would I be entitled to regarding my pension.

    • Staff
      Marc | January 28, 2014

      Hello Martin,
      thanks for the question.

      Your eligibility depends on your ability to satisfy the income, assets and age tests given by the Department of Human Services. More details of each of these tests can be found on the page above. If your partner is working, you will receive a lower pension payment for any amounts over $276 earned per fortnight. The pension will be reduced by 50 cents for each dollar over $276. Your wife will need to satisfy the age, income and assets requirements too to be eligible for the Age Pension.

      I hope this helps,
      Marc.

  194. Default Gravatar
    Martin | January 28, 2014

    How much can you earn per fortnight if you are on a pension

    • Staff
      Marc | January 28, 2014

      Hello Martin,
      thanks for the question.

      The maximum you’ll receive per fortnight on a pension if you’re single is $827.10 (this is the payment rates for the Maximum Basic Pension, Maximum Pension Supplement and Clean Energy Supplement). If you’re a couple, this is $623.40 each or $1,246.80 combined, and if you’re a couple separated due to ill health you’ll each earn $827.10.

      I hope this helps,
      Marc.

  195. Default Gravatar
    johny | January 26, 2014

    hi I came to AU in 1981 and live there since but for te past 10 years spending a few mths in Poland every year In 4 years I will get 65 Do I have to claim my pension from Poland or AU How my trips affects a pension?

    • Staff
      Marc | January 28, 2014

      Hi Johny,
      thanks for the question.

      You can claim in both Australia and Poland, as the two countries have a social security agreement. I’ve emailed you more information.

      Cheers,
      Marc.

  196. Default Gravatar
    Carol | January 26, 2014

    Can I receive the Australian pension if I return to live in the U.K after living &working in Australia for 41 years.

    • Staff
      Marc | January 28, 2014

      Hi Carol,
      thanks for the question.

      Australia and the UK no longer have a social security agreement, but you may still be able to receive your pension payments overseas. Please contact the Department of Human Services for more information.

      Cheers,
      Marc.

  197. Default Gravatar
    Jim | January 25, 2014

    I am 64years and 10mths and have assets of approx. $80000 super once I retire plus a house that I still owe $100000 on. My wife is 61 and works and has an income of $63k can I still get the full aged pension at 65

    • Staff
      Marc | January 28, 2014

      Hi Jim,
      thanks for the question!

      The final say of whether or not you’re eligible for the Age Pension will lie with the Department of Human Services. I’ve emailed you the relevant pages about income and assets tests.

      I hope this helps,
      Marc.

  198. Default Gravatar
    ang | January 24, 2014

    hi there, my father is on a sub class 461 visa, and is on a brittish passport, he has permanent residency in nz, but we have applied for the age pension in australia under the international agreement with nz but it has been declined because the visa he is here on is a temporary one that needs to be renewed every 5 years, he cannot get a pension here but he lived in nz for 50 years before coming here to australia, is there anything we can do?

    • Staff
      Shirley | January 28, 2014

      Hi Ang,

      Thanks for your comment.

      I’ve emailed you a pamphlet about the International Agreement with NZ, you may want to have a read to see if your father has met any of the other requirements. Otherwise, it may be worth giving Centrelink a call and enquire if your father is eligible for any other Government Benefits.

      Cheers,
      Shirley

  199. Default Gravatar
    George | January 23, 2014

    I arrived in Australia in 1978 became a citizen in 1983. I spent 2 years in New Zealand (1984 to 1986), two years in Singapore (1990 /91) then have basically lived overseas since mid 1999. I turn 65 on January 26th this year… do i qualify for an Australian Pension ?

    • Staff
      Marc | January 24, 2014

      Hi George,
      thanks for the question.

      You need to have been an Australian resident for a continuous period or 10 years or if you’ve lived in Australia for a number of smaller periods, these periods must equal to at least ten years, with at least one period being five years long.

      I hope this helps,
      Marc.

  200. Default Gravatar
    bryan | January 23, 2014

    I receive a monthly age pension paid direct to a Thailand bank,
    would you be able to advise me of centrelinks monthly payment schedule for 2014
    thanks

    • Staff
      Shirley | January 23, 2014

      Hi Bryan,

      Thanks for your comment.

      Unfortunately we cannot answer this question, as this is a personal matter and is best directed straight to Centrelink.

      Cheers,
      Shirley

  201. Default Gravatar
    Lynne | January 23, 2014

    I am from NZ been in Australia 12 years arrived in November 2001 am I eligible for the pension

    • Staff
      Shirley | January 23, 2014

      Hi Lynne,

      Thanks for your comment.

      Please see above for the eligibility requirements – you’ll need to have been an Australian citizen for a continuous period of ten years, be physically present in Australia the day you lodge your claim and meet an income as well as an asset test.

      Cheers,
      Shirley

  202. Default Gravatar
    Kevin | January 22, 2014

    I was born 9/7 1960 am I eligible for the government pension ? Thanks

    • Staff
      Marc | January 23, 2014

      Hello Kevin,
      thanks for the question.

      The age requirements for the Age Pension are 64 and a half for a female and 65 for a male. You must also satisfy an income and assets test.

      I hope this helps,
      Marc.

  203. Default Gravatar
    Anitra | January 22, 2014

    My husband is 14 months younger than me, and on newstart ,will I get the full aged pension, and how much will that be, we own our home and our assets are well below $196,000

    • Staff
      Marc | January 23, 2014

      Hello Anitra,
      thanks for the question.

      This is a question best asked to Centrelink directly. They’ll be able to give you the final say no whether you’ll be eligible for the Age Pension.

      I hope this helps,
      Marc.

  204. Default Gravatar
    Joyce | January 20, 2014

    I came to Australia with my parents in November 1957.I will be 66 in march.My question is what information do I need to apply for the aged pension.I don’t have photo id or passport.I was told that if you arrived in Australia before 1960 that you were classed as an Australian citizen is this correct

    • Staff
      Marc | January 21, 2014

      Hello Joyce,
      thanks for the question.

      According to the Department of Human Services, you need to supply (in addition to the Age Pension claim forms):

      -Proof of identity, which must include either proof of your birth or arrival in Australia, identification which shows “who you are within your community such as your Australian driver licence or a current bank ATM or credit card”.
      -Details of your income and partner’s income
      -Details of you and your partner’s assets
      -Bank details

      I’ve emailed you a form regarding supplying proof of identification – this should hopefully clear up your questions.

      Cheers,
      Marc.

  205. Default Gravatar
    Bill | January 20, 2014

    My parents are living with my sister in Auz on permanent stay visa’s…Dad has dual British/NZ citizenship and Mum has NZ citizenship. They do not receive any pensions at all from any country. Both are in their late 70′s. How would they go about making an application for a pension?

    • Staff
      Shirley | January 20, 2014

      Hi Bill,

      Thanks for your comment.

      You can make a claim for the age pension through the Centrelink website, i’ve emailed you the link. Please read the eligibility requirements before you claim.

      Cheers,
      Shirley

  206. Default Gravatar
    Kali | January 18, 2014

    Thank you for putting up this site and helping us.
    My question is this: I was born and raised in Australia but have been living in the UK since I was 21. Will I be entitled to an Australian age pension.

    Kind regards

    Kali

    • Staff
      Shirley | January 20, 2014

      Hi Kali,

      Thanks for your comment.

      Please see above the eligibility requirements for the Age Pension. You’ll need to be an Australian citizen for a continuous period of 10 years and be physically present in Australia on the day you lodge your claim.

      If you intend to live overseas while receiving the age pension, there are a number of qualification rules that you’ll need to meet.

      Cheers,
      Shirley

  207. Default Gravatar
    Jan | January 17, 2014

    Hi, My 80 year old parents, do not receive a Age Pension due to assets being gifted to a family member. There was a 5 year wait I believe. My mother qualifies for a Blind Pension, which is free of a means test. Considering most people go from a DSP to an Age Pension, would she be granted the DSP (Blind) taking into account the reason why they are ineligible for an Aged Pension?

    • Staff
      Shirley | January 20, 2014

      Hi Jan,

      Thanks for your comment.

      Unfortunately we are unable to answer this question; this is best asked directly to Centrelink.

      Cheers,
      Shirley

  208. Default Gravatar
    Mary | January 17, 2014

    If a person lived continuously in Australia for 10 years then went to live in another country for over 30 years never coming back & still living in another country are they eligible to get full Australian old age pension.
    Thankyou

    • Staff
      Shirley | January 20, 2014

      Hi Mary,

      Thanks for your comment.

      To get your Age Pension outside Australia you need to meet certain qualification rules. The amount of pension you receive changes if you remain outside of Australia for more than 26 weeks.

      I’ve emailed you a page with more information.

      Cheers,
      Shirley

  209. Default Gravatar
    Vanessa | January 17, 2014

    Hi, what is the asset requirements for a couple that own their own house?
    Are they allowed any savings in the back when applying for the pension?

    • Staff
      Shirley | January 20, 2014

      Hi Vanessa,

      Thanks for your comment.

      I’ve emailed you a link that lists all the assessable assets and thresholds.

      Cheers,
      Shirley

  210. Default Gravatar
    Jo | January 17, 2014

    Hi,
    I’m an Australian citizen. In 1997, I left Australia and declared as a non-tax resident. In 1 Jan 2012, I was back to Australia and worked until now. Do I have to declare I am a resident in order to fulfill the residency requirement of age pension? Are taxation and residency two different things? Do I have to provide evidence to show that I’m qualified?
    Jo

    • Staff
      Shirley | January 20, 2014

      Hi Jo,

      Thanks for your comment.

      Unfortunately we cannot answer this question, please contact Centrelink directly to enquire about this.

      Cheers,
      Shirley

  211. Default Gravatar
    paul | January 17, 2014

    I will be eligible for the pension this year, my wife will be 60 years of age in may of this year.

    My wife is not employed, can you please advise if my wife will be entitiled to any amount from the pension scheme or any other Government scheme?

    My wife has been working for the past 45 years.

    • Staff
      Shirley | January 20, 2014

      Hi Paul,

      Thanks for your comment.

      Unfortunately we are unable to answer this question as it is best directed to Centrelink.

      Cheers,
      Shirley

  212. Default Gravatar
    Norman | January 17, 2014

    My mother is 67 years old and has refused in the past to apply for the pension. She has been working as a casual, but has since hurt herself and is unable to work. Can she now apply for the pension and should she return to work will this cause her an issue with Centrelink?

    • Staff
      Shirley | January 20, 2014

      Hi Norman,

      Thanks for your comment.

      Please see above the eligibility requirements for the Age Pension. If she returns to work, she has a legal obligation to inform Centrelink and her payment rates may be affected.

      Cheers,
      Shirley

  213. Default Gravatar
    Margaret | January 15, 2014

    Hi, my partner will be eligible for the aged pension in August this year, I am 62 and have a small income of $285.00 per week. Is he still able to get the full pension, thank you

    • Staff
      Marc | January 16, 2014

      Hello Margaret,
      thanks for the question.

      As always, these decisions are left up to the Department of Human Services for the final say; however, if you’ve satisfied the other criteria, couples can earn up to $276 per fortnight before pension payments are affected. Any amounts over $276 earned will reduce the pension payment amount by 50 cents for each dollar over $276.

      I hope this helps,
      Marc.

  214. Default Gravatar
    andrew | January 15, 2014

    what is the assets requirement for couples

    • Staff
      Marc | January 16, 2014

      Hello Andrew,
      thanks for the question.

      I’ve emailed you the relevant page from the Department of Human Services.

      I hope this helps,
      Marc.

  215. Default Gravatar
    Sandy | January 13, 2014

    I move to Australia permanently from 1967 to 1996 from NZ. I moved back to NZ in 1996. I did not become an Australian citizen in that time. I had to move back to NZ to look after my mother and now that she has passed I would like to move back to Australia permanently. In Feb 2015 I turn 65. Would I be entitled to the Australian pension on turning 65. Or what do I have to do to obtain the pension. Thanks Sandy Baldwin

    • Staff
      Shirley | January 13, 2014

      Hi Sandy,

      Thanks for your comment.

      I’ve taken this from the Centrelink website – “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.”

      Cheers,
      Shirley

  216. Default Gravatar
    aged | January 13, 2014

    Thanks for the reply I was under the impression that Centrelink treats people in receipt of benefits has individuals not a couple, this is confusing because the income limits for one half of the married pension rate is $276 per fortnight, Newstart pays say $450 if your partner goes to earn an income, any income is deemed say at $0 .50 over $276, which reduces the one half pension payment I presume, If Newstart is paid from what I can gather it doesn’t affect the aged pension, I cant find a concrete answer for this situation.

    Many people draw an aged pension however a partner under say 65 and not eligible for a pension payment is then considering a newstart claim one half of the married pension rate is $200 less than the single pension it is not easy to have survive on a lower payment like this all this adds to confusion why would anyone go to find a job, my wife is 63 her job prospects are zero she can do 15 hours a week voluntary work to receive the Newstart payment Calling Centrelink means on the phone waiting for over two hours hence my contact with the g forum

    • Staff
      Shirley | January 13, 2014

      Hi there,

      Thanks for your comment.

      Unfortunately because we’re not official representatives of the Department of Human Services, we can’t confirm that your wife’s Newstart payments won’t affect your age pension.

      But having a second look at the income tests page on the Centrelink website, there isn’t a mention about Newstart payments specifically, so it’s likely that your wife’s Newstart payments won’t affect your age pension.

      However please be mindful that there are mentions of superannuation payments and non-Australian income that may affect the rates of your age pension.

      Cheers,
      Shirley

    • Default Gravatar
      Margaret | January 15, 2014

      Hi I also meant to ask if my partner who is turning 65 in August and I earn $285 per week will he get the single pension less the 50c in the dollar over the $276 per fortnight allowed thank you Margaret

    • Staff
      Marc | January 16, 2014

      Hi Margaret,
      thanks for the question.

      This is a likely scenario, although as I mentioned above, this will depend on whether you as a couple satisfy the other criteria set by the Department of Human Services, such as the assets test and residency requirements mentioned on this page. Bear in mind also that the Department of Human Services judges each case individually.

      I hope this helps,
      Marc.

  217. Default Gravatar
    aged | January 12, 2014

    I am on the aged pension at one half of the couples rate, my wife is unable to claim a pension for 10 years residence, she is 63 years old, from China she does not work and no assets, she has permanent residence, if she now claims Newstart will this payment affect my aged pension payment

    • Staff
      Shirley | January 13, 2014

      Hi there,

      Thanks for your comment.

      I’ve emailed you a page that list all the income thresholds.

      Cheers,
      Shirley

  218. Default Gravatar
    rosalyn | January 11, 2014

    Hi I migrated to Australia on 30/6/2007.Lived off and on for 2 years out of 5 years. Granted Class BB resident return visa sub class 155 on 16.12.2011. I went for 10 weeks holiday overseas in January 2012. and 11 weeks holiday in January 2013. I have lived in Australia since Sept 2011.
    Can I go overseas for short holiday and the length of short holidays overseas and whether I will have considered living 5 years continuous living in Australia by end 2016 so as to qualify for age pension after 10 years living in Australia with a total of more than 10 years living.
    Holidays overseas mean that this time is taken away from the 5 years continuous living?

    • Staff
      Marc | January 13, 2014

      Hello Rosalyn,
      thanks for the question.

      To receive the Australian Age Pension, in addition to satisfying the income and assets tests, you must be an Australian resident and reside in Australia on the day you lodge your claim. In regards to short holidays, as long as you fulfil the 10 year Australian residency obligations this shouldn’t matter, although you should contact the Department of Human Services directly, as they have the final say.

      Cheers,
      Marc.

  219. Default Gravatar
    Metha | January 10, 2014

    Would you be able to tell me if I need to keep my Dutch passport to receive a part Dutch pension. Just found out that is going to cost 1000.00 plus the headache

    Thanks Metha

    • Staff
      Shirley | January 13, 2014

      Hi Metha,

      Thanks for your comment.

      Unfortunately we cannot confirm this, you’ll need to contact the Department of Human Service to enquire about this.

      Cheers,
      Shirley

  220. Default Gravatar
    peter | January 9, 2014

    Hi am a Belgian citizen with a permanent resident visa for Australia sins 1990 and worked and lived in Australia ever sins, i only go out of the country to visit my wife in Java Indonesia for a period of 3months java 3months Melbourne etc for the last 5 years and probably will still do this till my retirement . The question is when i reach old pension age and that is “what i can read from your info” is 66.5 year am i eligible for the Australian old age pension and can i retire, by living full time in Indonesia and receiving my pension over there or is there any criteria that i have to fulfill.
    Kind Regards

    • Staff
      Marc | January 10, 2014

      Hello Peter,
      thanks for the question.

      The age requirement will depend when you were born. If you were born between 1 July 1952 and 31 December 1953 then you will need to be 65 years and 6 months to be eligible to apply. If you were born before 1 July 1952 then you’ll have to be 65, and if you were born in other periods consult the table on the page above to find out how old you must be. In some cases you can live outside of Australia and earn the pension still. It’s important to know that your pension will be reduced if you have been a resident for less than 25 years. I’ve sent a link to you for more information.

      Cheers,
      Marc.

  221. Default Gravatar
    nataly | January 9, 2014

    Hello, I am 65 years old and I am eligible for Australian pension.I am married but seperaded from my husband for about 3 years and we live seperatly.Will this effect my pension?

    Thank you.

    • Staff
      Marc | January 9, 2014

      Hello Nataly,
      thanks for the question.

      This is best asked to the Department of Human Services. They’ll be able to give you the most accurate information.

      Cheers,
      Marc.

  222. Default Gravatar
    charlie | January 7, 2014

    Hi, how will the income of my wife affect my age pension entitlements?? She earns $110.000.– gross a year. We are still married but live separate lives in the same house. She is 10 years younger than me.

    • Staff
      Marc | January 7, 2014

      Hello Charlie,
      thanks for the question.

      For every dollar earned over $276 per fortnight, the pension payment is reduced by 40 cents. The pension income cut-off for couples is also $2,769.60 per fortnight. Also note that in addition to income tests there are also assets tests applicable. For more information please call the Department of Human Services.

      Cheers,
      Marc.

  223. Default Gravatar
    Doug | January 6, 2014

    Hi

    I am divorced & retired. Since mid 2009 I have spent the majority of my time living in Cambodia as a self funded retiree working in a Volunteer capacity. I return to Australia periodically each year. My desire is to continue this work.

    I turn 65 in Sept 2014. I am trying to determine if I will qualify for any level of pension. I certainly qualify from an Asset/$ perspective but am finding it difficult to determine or understand eligibility from the perspective of my current situation of being in Cambodia.

    At my age I dont want to have to give up my ‘work’ return to Australia for 2 years to qualify, or be req’d to return every 6 weeks to retain it.

    • Staff
      Marc | January 6, 2014

      Hello Doug,
      thanks for the question.

      According to the Department of Human Services website, it states: “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’d recommend speaking to a consultant from the Department of Human Services directly.

      Cheers,
      Marc.

  224. Default Gravatar
    Robyn | January 5, 2014

    Hi,
    I am 51 and a NZ citizen who moved to Australia in Feb 2009 to be with my children. I work full time and plan to continue until retirement age, my question is whether I will be eligible to receive an age pension here in Australia.

    • Staff
      Marc | January 6, 2014

      Hello Robyn,
      thanks for the question.

      To be eligible for the Age Pension you must satisfy the income, assets and residency requirements, in addition to the age requirement, set out on this page. For further questions it would be useful to contact the Department of Human Services directly. New Zealand has a social security agreement with Australia, so the residency requirement is satisfied as long as the total period of time living in Australia and/or New Zealand adds up to more than 10 years.

      I hope this helps,
      Marc.

  225. Default Gravatar
    Natasha | December 31, 2013

    Hi,
    My partner and I have a question regarding his eligibility for age pension from AU as we have a bit confusing situation here.
    He’s 55 in 2014 and could retire in 12 years I understand. He has double citizenship, UK originally and has acquired AU citizenship years ago. He first worked in the UK for 12 years, then came here as resident and acquired AU passport, worked in AU for 8 years. Later he went back to the Uk for 2 years and worked there, returned to AU to work for additional 3 years. After that he moved to Slovenia, EU for 9 years of which one was working year. He’s been back to AU now for 1,5 years working.
    His salary is fairly good, but no assets.
    The question here is, if he came to live in Slovenia now, would he be able to claim (full or what part) of AU pension. I understand he would need to come here and be physically present when he claims it correct? What about in case he couldn’t come physically due to medical condition?
    Let me mention I am a Slovenian resident and have no claims here.
    I would appreciate your advice and also where and how could we assess his possible pension more in detail? He’s located in BNE. Is there an office we could go to for consulting on this matter?
    Thank you in advance.
    And all best in 2014!
    Regards, Natasha

    • Staff
      Marc | January 3, 2014

      Hello Natasha,
      thanks for the question.

      Australia has a social security agreement with Slovenia. I’ve emailed you some information regarding this.

      Cheers,
      Marc.

  226. Default Gravatar
    Jennifer | December 30, 2013

    I have a personal super fund but I find I am losing financially because of it. Although I am a citizen, I live overseas and will not be returning to Australia. I have my own business, but I am on a very low income. Am I able to opt out of my private fund and recover my investment so that I can re-invest it in the country where I reside?

    • Staff
      Marc | January 2, 2014

      Hello Jennifer,
      thanks for the question.

      You may wish to contact the ATO directly regarding this. Generally speaking, you have to satisfy conditions of early release to get your super, just as is the case with Australian residents. This means you either need to prove you’re experiencing severe financial hardship or that you should receive your super early on compassionate grounds. Super can be released early if you have a terminal condition, or if you have experienced permanent or temporary incapacity. You may wish to also contact your super fund to discuss this further.

      I hope this helps,
      Marc.

    • Default Gravatar
      Jennifer | February 28, 2014

      Hi Marc,
      Thanks for the feedback. According to your reply, I don’t qualify for an early release of my pension fund, so I will take the matter up with my super fund managers and see if I can invest in a way where I am not losing!
      Jennifer

  227. Default Gravatar
    LW | December 29, 2013

    My husband of 36 years has asked for separation. We are both Australian citizens, in excellent health and are both 66 years old. I am still working. We have lived separately but under same roof for several years. He wants to apply for the age pension. Would he be eligible?

    • Staff
      Marc | January 3, 2014

      Hello LW,
      thanks for the question.

      Eligibility will be decided based on assets, income and residency requirements. For this particular situation it’s best to call the Department of Human Services directly.

      Sorry I couldn’t be of more help,
      Marc.

  228. Default Gravatar
    P | December 27, 2013

    I have lived in Australia for 14years and want to return to NZ to retire. Reading your information its looks as tho Im not entitled to the full pension amount. Where can I find out what my payments would be.

    • Staff
      Marc | January 3, 2014

      Hello P A Martin,
      thanks for the comment.

      I’ve emailed you more information regarding this.

      Cheers,
      Marc.

  229. Default Gravatar
    xenophon | December 25, 2013

    2 questions:
    1. I am an Australian citizen and have been living outside Australia for 15 years from 50 to 65 years of age. I plan to return to Australia and do two years residency and then hopefully be able to take the age pension with me overseas (I understand without the extras). Does this sound like a feasible plan?
    2. I don’t have much money and the killer in Australia will be accommodation for two years. Can you receive the age pension with no fixed address, i.e. traveling around Australia for two years?
    Thank you

    • Staff
      Marc | January 6, 2014

      Hello Xenophon,
      thanks for the question.

      Unfortunately I can’t comment on the feasibility of your plan, although you’re right in stating that you do need to live in Australia for two years before being able to receive the Age Pension overseas. You may wish to speak to a consultant from the Department of Human Services directly regarding receiving payments overseas without a fixed address.

      Cheers,
      Marc.

  230. Default Gravatar
    ken | December 24, 2013

    hi,i was born on the 5th july 1950 in england.
    my wife was born on the 2nd feb 1953 in england.
    we moved to australia in jan 1978.i have had full
    employment from 1978 to 2013,my wife as not worked
    at all(full time housewife looking after me, we have no children)If we both decide to return to the uk permanently when we both reach retirement age
    would we be entitled to a full australian pension.
    regard

  231. Default Gravatar
    ken | December 24, 2013

    hi,i was born on the 5th july 1950 in england.
    my wife was born on the 2nd feb 1953 in england.
    we moved to australia in jan 1978.i have had full
    employment from 1978 to 2013,my wife as not worked
    at all(full time housewife looking after me, we have no children)If we both decide to return to the uk permanently when we both reach retirement age
    would we be entitled to a full australian pension.
    regard mr-mrs ken boden.

    • Staff
      Marc | January 2, 2014

      Hello Ken,
      thanks for the question.

      This will depend not only on your residency during the time you’ve lived in Australia, but also your income and assets, which are tested. I’d recommend calling the Department of Human Services for more information on your eligibility, or visiting their website to find out more.

      I hope this helps,
      Marc.

  232. Default Gravatar
    Arthur | December 23, 2013

    Help – I was born in the UK in 16/6/37. I emigrated to Australia in 1962 worked until the end of 1968. I then returned in 2006. I was told by Centrelink that on 14th of December i had done my ten year waiting time for the old age pension but that was incorrect information that i had been given. Does the time now start from when i arrived in March 2006. When i got my perminent residence or when i became an Australian citizen.

    • Staff
      Shirley | December 24, 2013

      Hi Arthur,

      Thanks for your comment.

      According to the Human Services website, “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” – it’s likely that the period starts when you get your permanent residency.

      Cheers,
      Shirley

  233. Default Gravatar
    Ron | December 23, 2013

    Went back to Australia after 5 years in Bali to apply for pension. best I got offered was citizen returning, meant stay in Australia for 2 years. Guy here in Bali claimed he got around this by lodging all outstanding tax returns ? I think he was lying you comment please Ron

    • Staff
      Shirley | December 24, 2013

      Hi Rob,

      Thanks for your comment.

      Unfortunately we are unable to comment on this.

      Cheers,
      Shirley

  234. Default Gravatar
    James | December 23, 2013

    Hope to retire next july 65yrs.At moment receiving work income support pension at $1600 per month.(Maritime super)
    own my home, only other asset is fixed term bank account and old ute.
    Will I be eligible for part pension

    • Staff
      Shirley | December 23, 2013

      Hi James,

      Thanks for your comment.

      There may be a reduction in your pension payment due to your existing income, I’ve emailed you the page that lists all thresholds – hope this helps.

      Cheers,
      Shirley

    • Default Gravatar
      Barry | January 2, 2014

      If retiring and have defacto relationship and the partner is working full time what would the pension amount be? I personally have no major assets.is there a method to calculate this?Thank you.

    • Staff
      Marc | January 3, 2014

      Hello Barry,
      thanks for the question.

      A defacto couple will earn a pension at the same rates as a married couple. If one person in the couple is working there will be a reduction in payment of 50 cents for every dollar earned over $276 a fortnight. This means if as a combined couple you were earning $1000 per fortnight, your pension would be reduced by $362.

      Please speak to the Department of Human Services for more information.

      Cheers,
      Marc.

  235. Default Gravatar
    phil | December 22, 2013

    Hi,am Australian permanant resident,lived australia since 1971,now 64 ,eligable pension feb 2015,am married to Filipino and will move to live there early 2014,will be supporting family there of 15 people,i will need pension to survive,i understand i have to be in Australia to apply,what else is required,,thanks.

    • Staff
      Marc | December 23, 2013

      Hello Phil,
      Thanks for the question.

      The page above shows the various eligibility requirements for receiving the Age Pension. I’ve also emailed you a page concerning payments made while living overseas.

      Cheers,
      Marc.

  236. Default Gravatar
    Andrew | December 19, 2013

    Hello
    My question relates to “residential requirements for the two years prior to lodging the Aged Pension application”

    In my case I will be eligible for part of the pension in 2020 (hopefully I will still be around)

    Currently I am 60 yrs old and plan to leave Australia in Jan. 2014 , for the next four years and only returning in Jan 2018 to have the fact recorded that I was in Australia two years prior when lodging my pension application in 2020.

    After I return in Jan. 2018 ( is their published Govt. criteria as to the definitive amount of time I can be out of Australia in the intervening time between Feb 2018 and Jan 2020)

    I cat find any clear Government Regulation on what the rules are, it appears to be decided at the whim of a Centrelink Officer.

    I don’t think this is adequate. If you can advise or steer me in the direction to get an absolute clear set of rules to follow it would be greatly appreciated.
    Thank you

    • Staff
      Marc | December 20, 2013

      Hello Andrew,
      thanks for the question.

      The relevant passage on the Department of Human Services website reads:

      “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.”

      The definition for ‘living in Australia’ is given on another page on the website. It states:

      “You are living in Australia if Australia is your usual place of residence. That is, Australia is where you make your home.

      When we are deciding whether you are living in Australia we 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”

      Unfortunately it looks as though as you mentioned, it is decided on a case-by-case basis.

      I hope this helps. Please let us know if we can help you with anything else.

      Marc.

  237. Default Gravatar
    KC | December 19, 2013

    I’m an Australian Permanent Resident holder and contributing to super.

    Am I entitle to age pension when I reach my retirement age?

    Can I withdraw my super while getting pension from the government?

    • Staff
      Shirley | December 19, 2013

      Hi KC,

      Thanks for your comment.

      Your eligibility for the age pension depends on a number of things such as your age, income, assets and how long you have been a permanent resident. Please have a read through the information above to determine if you’re eligible.

      You can still withdraw your super while receiving the age pension.

      Cheers,
      Shirley

  238. Default Gravatar
    Trev | December 19, 2013

    How much super can you have and claim the age pension or part of.

    • Staff
      Shirley | December 19, 2013

      Hi Trev,

      Thanks for your comment.

      I’ve emailed you about your query.

      Cheers,
      Shirley

  239. Default Gravatar
    Jenny | December 17, 2013

    Hi there,
    My husband and I are both Australian citizens (born & lived here all our lives).
    When he turns 65 I will have only just turned 64 so will he be eligible for a full “single” aged pension only, assuming he earns no other income and can I earn anything before his pension is affected?

    Also, what is the maximum amount of value of assets can we have for him to still get the pension – what is actually deemed by assets (cash, cars ?) and is the family home included in the total?

    Many thanks for your time.

    • Staff
      Shirley | December 17, 2013

      Hi Jenny,

      Thanks for your comment.

      I’ve emailed you about your query.

      Cheers,
      Shirley

  240. Default Gravatar
    margaret | December 16, 2013

    Hi, I am not sure if the question I asked on December 12 has been overlooked? Should I resend it?

    Cheers
    Margaret

    • Staff
      Shirley | December 19, 2013

      Hi Margaret,

      Thanks for your comment.

      I’ve emailed you about your query.

      Cheers,
      Shirley

  241. Default Gravatar
    Jose | December 14, 2013

    I am 63 years old and about to be retrenched, my wife is 28 y.o.; how will that affect my pension benefits ?
    Thanks

    • Staff
      Shirley | December 16, 2013

      Hi Jose,

      Thanks for your comment.

      It’s unlikely that your wife will affect your pension benefits – please keep in mind that there is an income and asset test that you’ll need to meet as well to be eligible for the age pension. You can check these tests on the Department of Human Services website.

      Cheers,
      Shirley

  242. Default Gravatar
    Dee | December 13, 2013

    My father who was an Australian citizen was collecting pension from the us. My mother now lives in Greece can she collect any partners pension. She is not an Australian citizen

    • Staff
      Shirley | December 16, 2013

      Hi Dee,

      Thanks for your comment.

      Unfortunately, one of the residence requirements for the age pension is that you need to be an Australian resident – it’s likely that your mother won’t be eligible for the age pension.

      Hope this helps,
      Shirley

  243. Default Gravatar
    margaret | December 12, 2013

    I am about to reach retirement age, 65. I was born in Australia, am of course an Australian citizen and have worked in Australia only, my entire life. I was a self funded retiree at 55 and have lived on my savings ever since. I have traveled extensively. Since retiring I have spent long periods out of Australia, but have established no ties in any other country. I own a home in Australia which is rented out from time to time, so that I generate a small income to live on. My only family is here, my home, my bank accounts, my car, my drivers license. I have lodged an Australian Tax return as a resident every year. But I have had conflicting advise from Centrelink. Recently a FIS officer told me that as I have been out of the country for long periods I won’t get anything. My holdings and bank investments only return $200 per week and my savings are very depleted. I have never applied for Newstart or any other assistance, even when I was seeking work as I was able to “get by” without help. I have paid taxes for over 40 years claiming nothing and had no idea my plans to travel as a self funded retiree could exempt me from a pension. This FIS woman told me Centrelink doesn’t care about any of that, if I have spent long periods outside Australia in recent years, she said that I am entitled to nothing. I can’t believe this, I am shocked and very depressed.

  244. Default Gravatar
    rani | December 10, 2013

    To get a n Australian pension, a person should have a 10 year period of residence where five years has to be continuous. Does this mean that this person cannot go abroad on a short holiday during this five year period?. If short holidays are allowed, then what is the maximum period allowed for such a holiday?.

    • Staff
      Marc | December 11, 2013

      Hi Ranj,
      thanks for the question.

      During this period you must be living in Australia and be an Australian resident, meaning you are an Australian Citizen, permanent visa holder or protected special category visa holder. Whether or not you’re classified as ‘living in Australia’ will be looked at in terms of your accommodation, your family relationships in Australia, your employment and financial ties in Australia, the nature and frequency of your travel outside Australia and any other matters the Department of Human Services finds relevant. You’ll need to contact the Department of Human Services for more information.

      Cheers,
      Marc.

    • Default Gravatar
      rani | December 11, 2013

      Thanks a lot.

  245. Default Gravatar
    Ken | December 9, 2013

    I have been working in PNg on and off for 24 years,does this effect my claiming the pension next year as i am now 65 years old and working part time (2 months on and 2 weeks off )in PNg to pay a mortage in queensland.I have a property in queensland and my wife lives there,Can i apply for the pension on my return…

    • Staff
      Shirley | December 9, 2013

      Hi Ken,

      Thanks for your comment.

      This is really hard to say without knowing your residence status. To be eligible for the age pension you need to be an Australian resident on the day you lodge your claim, be physically present in Australian on the day you lodge your claim and you also need to have been a Australian resident for a continuous period of at least 10 years.

      There are also rules that affect your payment while you reside outside of Australia, you can check these details on the Human Services website. If you’re still earning an income past age pension age, it could also affect your payments.

      Hope this helps,
      Shirley

    • Default Gravatar
      Ken | December 9, 2013

      Shirley,

      I am a Australian citizen born in 1948 in Brisbane,and use a work visa to work in PNG.I will be present in Australia when i apply for the aged pension and intend to remain in Australia after applying for a pension.

    • Staff
      Shirley | December 9, 2013

      Hi Ken,

      It sounds like you’ve met all the eligibility requirements for the age pension. However, it is always best to confirm with a representative from the Department of Human Services.

      Cheers,
      Shirley

    • Default Gravatar
      Ken | December 9, 2013

      thank you,can you give me a email address and phone number please

      cheers

    • Staff
      Shirley | December 9, 2013

      Hi Ken,

      No worries, I’ve emailed you a page with all their contact information.

      Cheers,
      Shirley

    • Default Gravatar
      William | December 10, 2013

      I emigrated, and lived and worked in Australia from January 1972 until March 1976 for A.V.Jennings Industries, in Adelaide. I can remember subscribing to a superannuation scheme, but have lost any details of that in the intervening period.
      Can you advise if there is any way I can check my contributions, and if there is any entitlement from that now I have reached retiring age. I am now resident in UK, but have family and mother-in-Law still in Australia.
      I would value your reply,
      Kind Regards,
      William.

    • Staff
      Marc | December 11, 2013

      Hi William,
      thanks for the question.

      The Australian Taxation Office (ATO) has a tool called SuperSeeker, which allows you to check for lost super or super held by the ATO. I’ve emailed you the link to this tool. In terms of receiving the Age Pension, you must have been an Australian resident for at least 10 continuous years, or if you lived in Australia for non-continuous periods, at least 10 years in total with a continuous period of five years.

      I hope this helps,
      Marc.

  246. Default Gravatar
    Brendan | December 6, 2013

    My mother in law was an australian citizen in the 1960′s and lived in australia on and off for more then 10 years. In 1980 she moved to the Netherlands and was forced to give up her australian citizenship so she could get the dutch citizenship.

    Is she still eligible for an age pension?

    • Staff
      Marc | December 9, 2013

      Hello Brendan,
      thanks for the question.

      Australia and the Netherlands have a social security agreement, which means she may be eligible if she’s over the qualifying age and lived in Australia and/or her periods of coverage in the Netherlands add up to more than 10 years.

      I’ve emailed you more information.

      Marc.

  247. Default Gravatar
    calvin | December 6, 2013

    hello
    I will retire in 2014 age 63. I will draw money
    from my super. When I reach 65 if I put the
    remainder of my super into a term deposit will it
    affect the amount of age pension I receive from
    centre link
    thanks Calvin

    • Staff
      Shirley | December 6, 2013

      Hi Calvin,

      Thanks for your comment.

      It may affect the amount of age pension you receive, but this depends on how much you have in your assets. I’ve emailed you a link from the Human Services website that quotes the limits.

      Hope this helps,
      Shirley

  248. Default Gravatar
    Jeff | December 6, 2013

    I arrived in Australia in Oct 1976 and became a citizen in 1990. I lived permanently in Australia until Oct 1996 and have lived and worked overseas since then except for brief periods between jobs. I am married and my wife, who has been resident in Australia since c1973 and a citizen since 2006, has also spent some time overseas since 1996.
    I am returning to Australia permanently in Dec 2013 and pland to work unti the end of 2016. I am currently 71 years old. Please confirm that my wife and I should qualify for the Australian pension

    • Staff
      Shirley | December 6, 2013

      Hi Jeff,

      Thanks for your comment.

      To be eligible for the age pension you need to be physically present in Australia on the day you lodge your claim and have been an Australian resident for at least 10 years.

      Based on the figures you’ve given me, you may be eligible for the age pension. Your wife, however, has been a citizen for 7 years to date and may need to wait another 3 years before she’s eligible.

      You can confirm all these details by contacting the Department of Human Services.

      Hope this helps,
      Shirley

  249. Default Gravatar
    Deb | December 5, 2013

    The 10 year requirement of living in Australia with 5 years being continuous. Do holidays overseas mean that this time is taken away from the 10 yrs or 5 yrs?

    • Staff
      Marc | December 6, 2013

      Hello Deb,
      thanks for the question.

      As long as you stayed as an Australian resident during these times, which means you lived in Australia and were either an Australian citizen, permanent visa holder or special category visa holder this qualifies.

      I hope this helps,
      Marc.

  250. Default Gravatar
    jennifer | December 5, 2013

    My question is for my sister who is an Australian Citizen left to go to UK in 1972 was born here in 1942 is she entitled to the age pension.? thank you

    • Staff
      Shirley | December 5, 2013

      Hi Jennifer,

      Thanks for your comment.

      Your sister meets the residence requirements but she will need to be physically present in Australia on the day she lodges her claim for the age pension. There are also changes to her payment if she resides outside of Australia that she’ll need to enquire about to Human Services.

      Hope this helps,
      Shirley

  251. Default Gravatar
    stephen | December 4, 2013

    do i recieve the age pension if my wife is working

    • Staff
      Marc | December 5, 2013

      Hello stephen,
      thanks for the question.

      There’s a fortnightly income limit for couples of up to $276 in order to receive the full pension. If you earn over this you’ll receive a 50 cents reduction for every dollar over $276. Also keep in mind that couples can earn a maximum of $2,769.60 per fortnight before they are ineligible to receive the pension.

      Cheers,
      Marc.

  252. Default Gravatar
    Doug | December 3, 2013

    Hi,

    I am an Australian citizen born 9 July 1948.

    I have lived & worked full time in Indonesia since 1994 & am married to an Indonesan citizen.

    I probably will not return to permanently live in Australia.

    Am I entitled to recieve the Australian Old Age Pension while I am still living in Indonesia?

    • Staff
      Marc | December 4, 2013

      Hello Doug,
      thanks for the question.

      You may be able to get a pension while living in Indonesia, but I’d strongly suggest contacting the Department of Human Services first.

      Cheers,
      Marc.

  253. Default Gravatar
    Peter | December 3, 2013

    I arrived in Australia in 1997 at the age of 54 I have lived here ever since. I am getting a reduced NZ pension and I have been told as I arrived here before 2000 and have achieved the ten year requirement, my NZ pension will be assed as income and not taken off my OZ pension dollar for dollar is this correct

    • Staff
      Marc | December 4, 2013

      Hello Peter,
      thanks for the question.

      This question is best directed at the Department of Human Services. They’ll be able to give you the most up-to-date information.

      Cheers,
      Marc.

  254. Default Gravatar
    George | November 26, 2013

    I have been in Australia since 1963 and have been working for about 43 years. I became an Australian citizen in 1982. I have married a Thai lady and our plans are to move to Thailand in about 5 years, when I turn 65 and apparently qualify for my OZ age pension. I have had numerous people giving me advice and it is rather confusing as to what I am entitled to. The information I have received is very varied. Please help……

    • Staff
      Marc | November 26, 2013

      Hello George,
      thanks for the question.

      This is difficult to answer without knowing your income, assets and other personal circumstances, so I’d suggest you speak to the Department of Human Services directly, as they’ll be able to help and hopefully give more accurate information. The Department of Human Services website also has a payment finder which you can use to find out what you’d be entitled to. I’ve emailed you more information about this.

      Cheers,
      Marc.

  255. Default Gravatar
    ozziesebion | November 24, 2013

    I am Australian, my American husband of 40 years has turned 65yr. I worked in Oz for 30years, he for for 20 yr. We have both have worked in US for 20 years, we are fully aware of the US Social Services system He is entitled to Oz age pension, I personally want all the required paper work go thru the Australian International age pension site which is listed onovereas info. The reason being we have had so many issues with SS system we fear going straight to Oz site, thanks for replies

  256. Default Gravatar
    ozziesebion | November 24, 2013

    A few comments first. you do NOT have to be in the country (Australia) to file for Oz age pension but that is for Australians You have to send paper work to Social Security in the US and they forward to Oz. Check the Country you are resident in see if they have a aggrement with Australia…….then your OK. there are about 20.

  257. Default Gravatar
    Sue | November 22, 2013

    I’m aged 61. Born in the UK and came to Australia when I was 10. Have Australian citizenship and worked most of my life in between having 2 children. My question is that I’m going back to the UK to live as I have family there. So can I claim my old age pension when I reach the age of retirement from the UK.

    • Staff
      Shirley | November 22, 2013

      Hi Sue,

      Thanks for your comment.

      You need to be physically present in Australia when you claim the Australian age pension. I’ve also taken this from the Human Services website – “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 pension payment rates while absent from Australia, please check the Human Services website.

      Hope this helps,
      Shirley

  258. Default Gravatar
    Lakshmi | November 22, 2013

    I have a long way to go to get to Australian Pension age. But I do have a question around the residence test.
    I have lived in Australia for little more than 10 years excluding a period of Approx 9 months in UK.

    My question is around the 5 continuous years residence.

    Between 2000 and 2005 I have lived continuosly in Ausralia, but I did take a vacation to India to visit my parents for 16 days, during this period.

    Does this mean that my 5 years continuity is broken?
    To put it another way does it still mean that I have lived for 5 years continuously.

    • Staff
      Marc | November 22, 2013

      Hello Lakshmi,
      thanks for the question.

      This rule states that you must have been an Australian resident for:
      - a continuous period of at least ten years; or
      - a number of periods totalling more than ten years, with one of these periods being at least five years.

      Holidays taken during this time would not affect your eligibility if you remained an Australian resident throughout them.

      Cheers,
      Marc.

    • Default Gravatar
      Lakshmi | November 22, 2013

      Thanks for the answer, Marc.

  259. Default Gravatar
    Grigori | November 21, 2013

    Hi, I’ve been on pension for years now and learned that I actually inherited an area of farm land outside Australia after I was an Australian citizen.

    How will this affect my pension? Will the $339,250 threshold apply?

    • Staff
      Marc | November 21, 2013

      Hello Grigori,
      thanks for the question.

      You’ll need to inform the Department of Human Services if your circumstances change. They’ll be able to tell you exactly how this will affect your pension.

      Cheers,
      Marc.

  260. Default Gravatar
    iro | November 20, 2013

    i have lived in aust. since 1957-1974 then abroad for several years then back from 1978-1982 i own my home which i rent out and live in greece, i travel back home to sydney every second year and stay with relatives for few months to check on my property, i pay taxes and anything else required from me. im married my hsband is on and invalid pension from greece , i on the otherhand am not elligible to get an age pension from greece and want to know if im eligle to get an age pension from australia, i was born jan 28 1951

    • Staff
      Marc | November 21, 2013

      Hello Iro,
      thanks for the question.

      There’s an international social security agreement between Greece and Australia, I’ve emailed you more information about this.

      Cheers,
      Marc.

  261. Default Gravatar
    jean | November 19, 2013

    what paper work does goverment need to see for me to apply
    age pension .ie birth cert
    details

    • Staff
      Marc | November 20, 2013

      Hello Jean,
      thanks for the question.

      You’ll need to supply the following supporting documentation with your application:

      -The income and assets form
      -If permanently blind, an ophthalmologist/optometrist report
      -Proof of Australian residence form
      -Bank details
      -Any other verification documents the Department of Human Services requests

      I hope this helps,
      Marc.

  262. Default Gravatar
    PAblo | November 18, 2013

    Hi, i am gathering this information for my father.
    He lived in australia from 1981 to 1993.
    During this time he was an australia citizen and paid tax.
    Today he lives abroad in Argentina.
    He hasnt been back in australia.
    1) does he have to be in australia to lodge the claim?
    2) If he has to travel and come here, wantes he places the pension lodge, can he leave or does he have to stay for certain time?

    • Staff
      Marc | November 18, 2013

      Hello Pablo,
      thanks for the question.

      Your father will need to be an Australian resident on the day he lodges his claim, and will need to be physically present in Australia on the day he lodges his claim. Also, there are other factors which will apply to this situation, which I’ve emailed you about.

      Cheers,
      Marc.

  263. Default Gravatar
    Marcus | November 17, 2013

    I am an australian citizen, single and never married, and have been paying my taxes for 25 years. I am a music teacher now retired and live on and off in Thailand. I have been back to australia four times in 2013 and will continue to come back to australia at least twice a year from now on. I have no assets in australia or Thailand and I have limited superannuation resources still in sydney. I am very concerned that I will not have sufficient money to live on in my retirement. Am I eligible to apply for an age pension?

    Many thanks,
    Mark

    • Staff
      Marc | November 18, 2013

      Hello Mark,
      thanks for the question.

      Generally speaking, your eligibility relies on your ability to satisfy income, asset, age and residency requirements which are explained in the guide above. There are some additional considerations which apply to those living overseas. I’ve emailed you some information regarding this.

      Cheers,
      Marc.

  264. Default Gravatar
    graham | November 15, 2013

    I am 60 soon and not able to work full time. Am I eligible for any form of pension?

    • Staff
      Shirley | November 15, 2013

      Hi Graham,

      Thanks for your comment.

      Please take the ‘payment finder’ test on the Human Services website to help you with this.

      All the best,
      Shirley

  265. Default Gravatar
    Gail | November 13, 2013

    I am 62 years of age and cannot work due to stress related circumstances. My husband and I are Directors of a Pty Ltd Company with a family trust which we are closing in December. He will be working for an employer. Due to the new rules it doesn’t look like I can get a pension yet?

    • Staff
      Shirley | November 14, 2013

      Hi Gail,

      Thanks for your comment.

      You will need to pass the Human Service’s income test and asset test to be eligible for the age pension. I’ve emailed you a few links that lists all the thresholds so you can check your eligibility.

      Hope this helps,
      Shirley

  266. Default Gravatar
    George | November 13, 2013

    My wife and I lived in Australia from February 1965 until Nov 1967. We were employed most of this time. Do we qualify for any pension.
    We also had a year in New Zealand

    • Staff
      Marc | November 13, 2013

      Hello George,
      thanks for the question.

      To qualify for the Age Pension in Australia you must have been an Australia resident for a continuous period of at least 10 years, or if you’ve lived in Australia over a number of periods these periods must total more than ten years, with the biggest period being at least five years.

      Cheers,
      Marc.

  267. Default Gravatar
    Roslyn | November 12, 2013

    I am currently working full time and am 59 yearsof age. I am not eligible for the Aged penson until I am 66. If I choose to work beyond that age do I receive bonus payments for working past my retirement age.?

    • Staff
      Shirley | November 12, 2013

      Hi Roslyn,

      Thanks for your comment.

      If you earn an income while receiving the age pension at the same time, you may actually have your pension reduced. Please check the Human Services website for thresholds and income tests.

      Hope this helps,
      Shirley

  268. Default Gravatar
    Terry | November 11, 2013

    I elected not to retire and continue working until I was 69 years and four months. My only source of income now is the Age Pension and a small Canadian pension ( declared to Centrelink) . Since I am not required to seek employment and I am aware that any additional income I may secure has to be disclosed I am confused as to why I am required to provide a reporting statement to Centrelink with reports on specific days every two weeks. If I miss a day there will be a delay in my payment. How so ? I am entitled to a full pension at the single rate so why do I have justify my pension every two weeks ??

    • Staff
      Marc | November 12, 2013

      Hello Terry,
      thanks for the comment!

      This is a question best suited to the Department of Human Services directly. Unfortunately I’m unaware of their processes and why they require this regular reporting if you’re not working.

      Sorry I can’t be of more help,
      Marc.

  269. Default Gravatar
    Galina | November 9, 2013

    Hi, I moved from NZ to Australia last year before I completed 60.I have been live in NZ 13 years and I am NZ citizen.When I will be 65 year old – 2017 , can I will be eligible for Age pension.I am not working .My husband will completed 66 year old – 2021.He working now.He is NZ citizen same. He moved from NZ to Australia 2011.

    • Staff
      Shirley | November 11, 2013

      Hi Galina,

      Thanks for your comment.

      To eligible for the Age Pension in Australia, you need to be an Australian residence. The Australian Department of Immigration and Border Protection states that “New Zealand citizens are required to apply for and be granted permanent residence in Australia if they wish to access certain social security payments”.

      Hope this helps,
      Shirley

  270. Default Gravatar
    Ray | November 9, 2013

    Hi Team,I’m 64,retried.Can I withdraw $400K from my super to rebuild my house.Does it will affect my age pension.
    Regards
    Ray

    • Staff
      Shirley | November 11, 2013

      Hi Ray,

      Thanks for your comment.

      Your pension may be reduced due to your assets, I’ve emailed you with a page that lists all of the thresholds so you can see which one applies to your situation.

      Hope this helps,
      Shirley

  271. Default Gravatar
    dyson | November 6, 2013

    i will be 65 in January I still work 3 days a week and my wife works full time. I know I wont get any pension but will I get a card for medical stuff.or any other benefits
    regards
    dyson

    • Staff
      Shirley | November 6, 2013

      Hi Dyson,

      Thanks for your comment.

      To be eligible for the Commonwealth Seniors Health Card, you need to have reach age pension age, provide the Department of Human Services with your and your partner’s tax file numbers, or be granted an exemption from doing so, meet an income test, and be an Australian Resident.

      Please check the Human Services website for the income test.

      Cheers,
      Shirley

  272. Default Gravatar
    Necmi | November 4, 2013

    Hi, I am 64 years old an Australian citizen currently living in Turkey.

    Between 1975 and 2007, I lived in Australia for 32 years in total. Could you please clarify the wording “currently residing in Australia when applying for the pension”. Is there any specific period I have to reside in Australia just before submitting my pension application? For example, can I arrive back to Australia (having been overseas for 6 years) and apply for pension a week later? Can I then leave a month later (for example) and reside in another country?

    I have also changed my residential addresses so many times between 1975 and 2007. What is the easiest way to prove the Australian residency period and what type of documents will be accepted as proof of residency. I would appreciate it very much if you could help me in answering these questions.

    Thank you very much in advance,

    Necmi

    • Staff
      Marc | November 4, 2013

      Hello Necmi,
      thanks for the question.

      The ATO states that if you returned to live in Australia and were granted an Age Pension within the last two years you won’t be able to receive the 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.”

      I hope this helps,
      Marc.

  273. Default Gravatar
    Kim | October 30, 2013

    Hi. I am now 63,born in Australia,have OZ passport. I started work age 16,left OZ when 27,worked o’seas for 7 years,returned and worked in OZ until I was 62 (2Years in Fiji only) At age 23 had very severe accident, nearly lost left arm, left leg badly injured and as result have bad osteoporosis.
    Now at my age I find it virtually impossible to get work, even after recent training on heavy machinery, due to my decline in physical strength and possibility of breaking bones due to osteo.
    I now fear my pension eligibility will suffer when I turn 65 as I cannot afford to live in OZ on $733 a fortnight. My question is..Will my physical condition assist me in getting my pension without having to live in OZ for 2 years before leaving. I hear some terrible stories, many that are conflicting from Centerlink.

    • Staff
      Marc | October 30, 2013

      Hello Kim,
      thanks for the question.

      This is a question better suited to Centrelink, as they will be able to give you a definite answer.

      I’ve emailed you more information regarding this.

      Cheers,
      Marc.

  274. Default Gravatar
    Marc | October 22, 2013

    Could you please tell me what types of documentation will be accepted as proof of residency to claim 35 years AWL .

    • Staff
      Shirley | October 22, 2013

      Hi Marc,

      Thanks for your comment.

      I’ve emailed you a PDF link with this information.

      Hope this helps,
      Shirley

  275. Default Gravatar
    alain | October 19, 2013

    do you have to have taken citizenship in order to receive a govt pension after living in australia for the last 10 years with a permanent residency visa

    • Staff
      Shirley | October 21, 2013

      Hi Alain,

      Thanks for your comment.

      No you don’t have to – a permanent residency visa for Australia is considered an Australian resident.

      Hope this helps,
      Shirley

  276. Default Gravatar
    Alan | October 16, 2013

    I have recieved answers re eligibilty .Thank you .I will be clearly eligible for the old age pension in a few years , but i will have to prove 25 years ( or possibly 35 , if a reported budget proposal is accepted ) of Australain residency . This won’t be easy , because I have changed addresses so many times since 1972 and have never owned property .Could you pls tell me what types of documentation will be accepted as proof of residency .

    • Staff
      Shirley | October 16, 2013

      Hi Alan,

      Thanks for your comment.

      I’ve emailed you a link that lists all the relevant documents.

      Cheers,
      Shirley

    • Default Gravatar
      Walter | October 20, 2013

      If you receive a pension here in Australia , How long can you live overseas thus USA?

      Thx.
      Walter

    • Staff
      Shirley | October 21, 2013

      Hi Walter,

      Thanks for your comment.

      I’ve taken this from the Human Services website – “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.”

      It may be best to log onto the Human Services website and have a look at pension payment rates while you’re absent in Australia.

      Hope this helps,
      Shirley

    • Default Gravatar
      graeme | November 19, 2013

      Hi
      can you travel overseas whilst receiving a part age pension without any restrictions.

    • Staff
      Marc | November 20, 2013

      Hello Graeme,
      thanks for the question.

      If travelling for more than six months or permanently leaving the country your pension rate will be reduced. I’ve emailed you more information about this.

      Cheers,
      Marc.

  277. Default Gravatar
    kamaljeet{male) | October 14, 2013

    my age is 65 + and i am unable to work how much pension i will get and i don’t have any house i am citizen of country and what other benifits i can get

    • Staff
      Marc | October 15, 2013

      Hello Kamaljeet,
      thanks for the comment.

      The amount you receive as part of the Age Pension depends on the results of your income and assets tests. You’ll have to visit the Department of Human Services website or call them directly to find this out.

      There are a range of other benefits which you may qualify for, including health care cards and concession cards. Again you may wish to visit the Department of Human Services website or call them to learn more.

      Cheers,
      Marc.

  278. Default Gravatar
    Alan | October 11, 2013

    Hello , I am another Australian citizen currently living in Thailand . Between 1964 and 2012 , I lived in Australia for 39 years in total , including a period of 25 consecutive years . Could you please elaborate on the wording ” currently residing in Australia ” ( when applying for the pension ). Is there any period you have to reside in Australia , leading up to your application ? Can you arrive back , having been overseas for 5 years ,( for example ),and apply a week later ? Can you then leave a month later (for example ) and reside in another country ?
    I would appreciate your help in answering this question .
    Thank you , Alan

    • Staff
      Marc | October 11, 2013

      Hello Alan,
      thanks for the question.

      The best people to ask this question to is the Department of Human Services, they’ll be able to give you a definite answer regarding this. In terms of 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 can live overseas and still receive the pension, although the amount you receive is based on a proportional rate once you’ve been out of Australia for 26 weeks. This rate is determined based on your Australian working life residence, which is the period of time you resided in Australia between 16 and your pension age. If this is 25 years or more you can get a full means tested pension, and if it’s less you’ll receive a smaller amount based on the number of years you were an Australian resident.

      As to how long you need to live in Australia, or how long you must stay in Australia once getting the pension, it may be a good idea to carry out a search on the internet, as many Australians have done this and written about it in blogs.

      Cheers,
      Marc.

  279. Default Gravatar
    michael | October 2, 2013

    What is the correct Australian Centrelink or other appropriate postal address for mailing my application for an Age Pension

    • Staff
      Shirley | October 2, 2013

      Hi Michael,

      Thanks for your comment.

      You can lodge an online claim through the Australian Department of Human Services website as well as find all the relevant forms and addresses.

      Hope this helps,
      Shirley

  280. Default Gravatar
    john | October 1, 2013

    I am sixty five years old and still work full time I intend to work for a few more years before I retire then intend to start my own business. Do I have to go through the motions of applying for a pension or can I wait till I need to?

    • Staff
      Marc | October 1, 2013

      Hello John,
      thanks for the question.

      You do not have to apply for the Age Pension if you don’t need to. When you do apply, your eligibility will be calculated based on your age, income and assets among other things, so if you have your own business or continue to work this can have an impact on how much you receive.

      I hope this helps,
      Marc.

  281. Default Gravatar
    Richard | September 21, 2013

    I am Australian born & have lived here my whole life I turn 65 in Dec. this year.
    I am a house husband of my working wife who earns $40k p.a. she will be continuing to work for a few more years.
    WE earn approx $3,500 in interest .
    will I be able to get a part pension or if not will I be able to get a health care card or any other benifits
    appreciate your reply

    • Staff
      Marc | September 23, 2013

      Hello Richard,
      thanks for the question!

      Unfortunately I can’t answer whether or not you’d be eligible as I don’t know your full situation, so it maybe helpful to call the Department of Human Services directly, but here’s information to help.

      The income threshold for a couple combined to receive the full pension is $276 a fortnight. Earning over this amount will entitle you to 50 cents for every dollar over $276. There’s also an asset test which limits the assets a homeowner has at $279,000 for homeowning couples and $421,500 for non-homeowning couples.

      I’ve emailed you more information regarding this.

      Cheers,
      Marc.

  282. Default Gravatar
    cass | September 19, 2013

    good day,im currently living in the philippines right now, i would like to ask if im qualified to any aged pensioner?im already 69 and i turned 65 here in the philippines.over all i stayed in the australia for 8 years only.i am divorced with my ex wife on 1998 but still shes in australia with our kids.we have both work that time and we pay taxes.

    i became an australian citizen because of sponsorship of the company there in australia that was 1988 and with my family.i work for two years then we became an australian citizen and then i work for other company for two years again of course i pay taxes.hope for your reply.thank you so much.hope you can help us,

    • Staff
      Marc | September 20, 2013

      Hello cass,
      thanks for the question!

      Unfortunately the residence requirement for the Age Pension is that you must have been an Australian resident for at least 10 years.

      Cheers,
      Marc.

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    Mark | September 15, 2013

    I am an Australian citizen married with a Thai wife(permanent Australian resident visa) and two year old daughter, we are now living in Thailand I am 57 years old. I lived and worked in Australia for 50 years before coming to Thailand. Will I be eligible for age pension when I reach correct age? Thank you for your kind advise.

    • Staff
      Marc | September 16, 2013

      Sawatdee Kraup Mark,
      Thanks for the question!

      To be eligible for the Age Pension you must have lived in Australia for a continuous period of at least 10 years, which you have done. You also need to be an Australian resident at the time of application and be physically present in Australia.

      There’s also an income test and an assets test, which will set limits as to how much you can earn and what you’re assets can be before you no longer qualify for the pension. I’ve sent you more information regarding this.

      Cheers,
      Marc.

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    Joy | September 11, 2013

    I am 62 years old and only able to get casual work. I was told by a friend that if I am working less than 20 hours a week I may be able to get a part pension? I am married and my husband is still working full time.

    • Staff
      Shirley | September 11, 2013

      Hi Joy,

      Thanks for your comment.

      Your eligibility also depends on other factors such as your residency status. Please see above if you fit this criteria.

      You may also want to contact the Department of Human Services for more information.

      Hope this helps,
      Shirley

  285. Default Gravatar
    Roy | September 9, 2013

    I am an Australian citizen aged 66. My wife is a NZ citizen aged 56. We were married in NZ in 1976 and I brought her to Australia in 1977 where we lived until 1989. We then moved to NZ and returned to Australia in March 2003 and have lived here to present date.
    When my wife reaches retiring age in 10 years time and will have resided here continuously for 23 years, will she be entitled to the Australian Age Pension upon retirement?I am still working full time so would not be entitled to a part pension, would I.

    • Staff
      Marc | September 10, 2013

      Hello Roy,
      thanks for the question!

      To qualify for the Age Pension there are a number of criteria. In terms of residence requirements, you only need to have been an Australian resident for 10 continuous years, which it seems you’ve satisfied. There is also an asset test which applies, and for the full and part pension these limits differ depending on whether you own a home or not, and there’s also a combined couples income limit. For more information please check out the Department of Human Services website. I’ve emailed you further information.

      Cheers,
      Marc.

  286. Default Gravatar
    Ian | September 9, 2013

    I am 86 years old and presently living in the USA and have Australian citizenship. I was born and lived in Australia for 26 years and worked in Australia for 12 years. I do understand that I would need to be present to apply for my superannuation in Australia. Assuming I qualify, would I be paid in a lump sum or would the payment be spread over a period if time?

    • Staff
      Shirley | September 9, 2013

      Hi lan,

      There are three ways you can get your super: lump sum, income stream of a monthly payment or as a combination of both. However, if you withdraw it as a lump sum, then you won’t be able to earn more interest.

      Hope this helps,
      Shirley

  287. Default Gravatar
    eve | September 5, 2013

    I am an Australian citizen living in the uk for family reasons. I will return to live in Australia when possible. I am 65 years old and lived and worked in Australia continuously for 15 years. Will I be entiled to a full Australian age pension on my return.

    • Staff
      Marc | September 5, 2013

      Hello Eve,
      thanks for the question!

      The final say as always depends on the Department of Human Services, so you may wish to give them a call, but to be eligible you need to be an Australia resident on the day you lodge the application, as well as be physically present in Australia. In terms of residency requirements, according to the Department of Human Services you only need to have lived in Australia for a continuous period of ten years, so this should be fine.

      The amount you will receive depends on a range of factors which takes into account your assets and income.

      I hope this helps,
      Marc.

  288. Default Gravatar
    Jo | September 2, 2013

    I want to clarify whether the residency requirements apply to both Australian Citizens and Australian Permanent Residents in order to get Age Pensions.

    • Staff
      Shirley | September 2, 2013

      Hi Jo,

      Thanks for your comment.

      The residency requirements apply to both Australian Citizens and Permanent Residents.

      Cheers,
      Shirley

  289. Default Gravatar
    Bobbie | August 21, 2013

    Will my husband be eligible for the aged pension even if I am still working full time. My net pay is approx $1400 per fortnight. He will turn 65 may 2014 while I will be 60 in 2014.

    • Staff
      Shirley | August 21, 2013

      Hi Bobbie,

      Thanks for your comment.

      This is hard to tell without any other knowledge regarding your husbands situation. He has met the age requirements, please refer to the residency requirements to help you confirm this.

      Hope this helps,
      Shirley

  290. Default Gravatar
    Gary | August 20, 2013

    I am unsure of my eligibility to receive an old age pension when I turn 65 yo. I hope you can advise accordingly.
    I lived 100% of my life , worked and paid taxes for 60 years
    I retired a bit early ( self employed and the business was compulsory sold) and have lived and traveled in Asia for 2 years with just the odd visit back to Australia
    I am now 61 yo
    Will I need to reside in Australia for any period before I apply for the pension in 2017 or is it ok to continue my travels and just return in 2017 to Australia to apply ?

    • Staff
      Marc | August 21, 2013

      Hello Gary,
      thanks for the question!

      According to the requirements, you need to be an Australian resident when you lodge the claim for the pension, and be physically present when you lodge the claim.

      Apart from that, as long as you have been an Australian resident for one continuous period of at least 10 years, or have lived in Australia for a number of periods which total ten years, with one of the periods being at least five years, then you’re eligible.

      There are some other conditions which may apply, so be sure to check with the Department of Human Services first.

      I hope this helps,
      Marc.

  291. Default Gravatar
    Mark | August 19, 2013

    My parents arrived in Australia from UK in 2001 on a bridging visa, they are aged 86 and 81. They have had permanent residency for 3 years. When will they be eligible for the Australian pension? I understand they need Pr for10 years before they are eligible. I read somewhere that if my mother survives my father she is eligible after 2 years of PR but not so for my father if he survives my mother. Very confused.

    • Staff
      Shirley | August 19, 2013

      Hi Mark,

      Thanks for your comment.

      One of the conditions is that you’re an Australian resident for a continuous period of at least 10 years. However, there are some exceptions, such as if you are a refugee or former refugee, or you were getting a partner allowance, widow allowance or widow b pension before turning Age pension age or if you are a woman whose partner has died while your were both Australian residents and you have been on for 2 years before claiming the age pension.

      Hope this helps.
      Shirley

  292. Default Gravatar
    Cathy | August 14, 2013

    I am an Australian citizen now living in the United Kingdom. I still hold my Australian passport as I have UK Grandparent Patriality.

    I started working in Australia in 1977 and left employment in Aus in 1984 when I moved to the UK.

    I am enquiring about the superannuation I would have paid during those years of employment in Australia andin the futire, am I still eligible for an Australian Pension?

    Many thanks for your time and I look forward to hearing from you soon.

    • Staff
      Shirley | August 15, 2013

      Hi Cathy,

      Thanks for your comment.

      Please contact your Australian superfund to enquire about this. In terms of your eligibility for the Australian Pension, you need to be physically present in Australia when you lodge your application.

      Hope this helps,
      Shirley

    • Default Gravatar
      Cathy | August 15, 2013

      Hi Shirley!

      Thanks for getting back to me!

      Where do I find out where my Australian super fund is?

      I gather from your reply that I’m not eligible for the Australian Pension unless I am living there at the time I lodge my application…is this correct?

      Thanks for your time.

      Cathy

    • Staff
      Shirley | August 16, 2013

      Hi Cathy,

      No worries, always happy to help.

      Your previous employer(s) will be able to provide you with that information about your superfund(s).

      Yes, you need to be physically in Australia when you lodge your application.

      Hope this helps,
      Shirley

    • Default Gravatar
      Cathy | August 16, 2013

      Hi Shirley,

      The company I last worked for in Australia either doesn’t exist anymore or they have changed their name as I have had no luck finding them on the internet…..it has been 30 years!

      Where do I go from here?

      Many thanks for your help…I appreciate it!

      Take care,

      Cathy

    • Staff
      Shirley | August 19, 2013

      Hi Cathy,

      Thanks for your comment.

      No worries, always happy to help.

      I’ve emailed you a link from the ATO that may help you find your lost super – please have your TFN ready.

      If you need anymore help please let me know.

      Cheers,
      Shirley

  293. Default Gravatar
    Marn | August 6, 2013

    i have lived in Canada most of my adult life but was born in Australia and worked there from age 14 to 23. I will turn 65 in October and am trying to acertain weather or not i am entitled to an Australian pension. I currently live in Canada but am a citizen of both countries

    • Staff
      Shirley | August 6, 2013

      Hi Marn,

      Thanks for your comment.

      If you are an Australian citizen and have been residing in Australia as such, then you can be eligible for the age pension. You may want to contact Human Services to confirm.

      Cheers,
      Shirley

  294. Default Gravatar
    patrick | July 31, 2013

    i immigrated to australia with my wife and childen who was an australian citizen in 2008 i worked there for five years before returning to the uk for family reasons i became a citizen while i was there will i be intitiled to a pension if return to australia when i retire

    • Staff
      Shirley | July 31, 2013

      Hi Patrick,

      Thanks for your comment.

      To determine this, please check the whether you’ve met the eligibility requirements.

      As of the year 2012, the minimum age for age pension is 65 years for men and 64.5 years for women. If you have not reached the minimum age, then you cannot apply for age pension. If you are an Australian citizen and have been residing in Australia as such, then you can be eligible for the age pension. You will also need to meet the 10 year requirement which states that you have to be living in the country continuously for a period of 10 years.

      Hope this helps,
      Shirley

  295. Default Gravatar
    Ronald | July 30, 2013

    Hi there , I am an Australian national living in NZ for the past 15years. Will I be entitled to receive the Australian pension when I turn 67 [2017]?
    I am considering my return to Australia some time this year.

    Cheers

    Ronald

    • Staff
      Shirley | July 31, 2013

      Hi Ronald,

      Thanks for your comment.

      The 10 year qualifying residence requirement states that you have to be living in Australia 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.

      Hope this helps,
      Shirley

    • Default Gravatar
      Kristie | February 19, 2014

      If I have lived in NZ as a British Citizen for 30 years and I wish to move to Australia on a permanent residence Visa am I entitled to an Australian Pension as I am only on a Visa?

    • Staff
      Marc | February 20, 2014

      Hi Kristie,
      thanks for the question.

      This question is best directed to the department of human services. New Zealand and Australia also has a social security agreement, which I’ve emailed you more information about.

      Cheers,
      Marc.

    • Default Gravatar
      jimmy | April 9, 2014

      My Question..
      What is Jobstart Allowance and how much is it for a 57 year old person ?
      Hi,
      I am a 71year old male and my wife is aged 57. I work casual and earn 350 dollars a week.. my wife works too but was recently offered a ” redundancy package” which is approx 120 thousand dollars. Her super is currently 115 thousand dollars.
      my question is this..
      If she accepts the ‘package’ but still wishes to work ( till she’s 65 )..Will she be entitled to a Jobstart allowance and if so..how much will it be and what are it’s requirements ?
      Thanks in advance
      Jimmy

    • Staff
      Shirley | April 10, 2014

      Hi Jimmy,

      Thanks for your question.

      The amount of pension you receive depends on your assets and income. I’ve emailed you a link to a rate estimator that can help you determine how much it will be specific to your situation.

      Cheers,
      Shirley

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