A government income support payment, the Age Pension may be your main income source in your retirement years or a supplement to help with the costs of living as you get older.
What is the Age Pension?
It’s generally described as a regular, fortnightly payment that you may be eligible to receive from the government when you reach the qualifying age in the table below. It’s designed to provide income support for those Australians who need it and can also be a way to supplement any income they already receive.
Eligibility depends on three points:
Age Pension age
|Your birthdate||Your Age Pension age||Your Age Pension age Date of Age Pension age change|
|1 January 1954 to 30 June 1955||66 years||1 July 2019|
|1 July 1955 to 31 December 1956||66 years and 6 months||1 July 2021|
|On or after 1 January 1957||67 years||1 July 2023|
Generally, you need to have been an Australian resident for at least 10 years in total. For at least 5 of these years, there must be no break in your residence.
Exceptions apply for refugees, former refugees, those on another payment, women whose partners have died and those who lived or worked overseas.
Income and assets test
An income test asseses you (and your partner’s) income from all sources, including super. An assets test asseses all asset types you own, including property and possessions. This means the Age Pension amount you receive will depend on the outcome of these tests.
Don't qualify for the Age Pension?
You might qualify for:
It gives you transport concessions and discounts from participating businesses. Each state and territory has its own Seniors Card.
Commonwealth Seniors Health Card
Generally, this card is great for cheaper medical expenses and some discounts.
Pensioner Concession Card
Another card that can get you cheaper health care, medicines and discounts, if you already receive government payments.
If you get certain government payments and are paying rent, you may be eligible to get a regular payment as Rent Assistance.
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