This section of YOURLifeChoices website archives many of the questions you have emailed to us over the past 12 months. Here we answer your queries on Pensions, Centrelink, Computers, Lost Seniors Cards, Travel assistance, prepaid funerals, travel insurance, Crosswords, Retirement Planning, Technology, Senior Activities, Competitions, Discounts and Deals!
If you have a question, just email and we will do our best!
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General Q & A
Online bookshop
Q. Simon I like your lists of books and recipes. With the books I think it would be very helpful if you could provide us with links to on-line book sellers who have them in stock. This way they would be much easier to purchase especially for us folks who live out in the country areas. Also an indication as to whether the books you feature are recent releases or not.A. Many thanks for your feedback Simon. Many people have their favourite bookshop, be it online or in a local shopping strip however, many of the books reviewed on AboutSeniors can be purchased online at our AboutSeniors Bookshop which comes with a 10% discount on all book purchases. You can access via the banner on our book review page or click here for a direct link. If books are published by Government or are available from certain organisations, then we do try to state this and give a link where possible.
Disability Support Pension increases
YOURLifeChoices subscriber, Denise, is keen to know if, as a recipient of DSP, she will be eligible for the raise in weekly pension rates.
Q. Denise
The $32.49 per week increase, will that apply to me? I receive the Disability Support Pension. Centrelink could not tell me!
Centrelink DID TELL ME however, that when the new changes to pensions take place, the GST Supplement, Pharmacy, Phone and Utilities Allowances will all be combined into the fortnightly Pension. Do you know anything about this?
A.
Good news, Denise, yes the $32.49 per week pension increase will be applied to those receiving DSP. For more information, please click on the link below.
www.budget.gov.au
There will be a new Pension Supplement that will be paid fortnightly and will include Goods and Services Tax Supplement, Pharmaceutical Allowance, Utilities Allowance, Telephone Allowance (at the higher internet rate)and increased assistance of $2.49 per week for singles and $10.14 per week for couples combined will be included in the new fortnightly Pension Supplement.
From 1 July 2010, you can opt to receive around half of this supplement quarterly as a lump sum payment, to assist with larger expenses. For more information on the new supplement, click the link below.
www.budget.gov.au
Super contribution limits
Q. My husband is on a part pension and currently, I salary sacrifice some of my wages into my super and that has the effect of reducing my gross income (which in turn provides my husband with a part pension).
Is that going to continue do you know – I have searched many websites looking for that information and could not find a statement anywhere that says that I can continue to salary sacrifice (I only sacrifice enough to bring us down to the cut off point).
From 1 July with the drop in the incomes allowed I will have to salary sacrifice even more to keep the part pension and the concessions.
Can you advise me please?
Sue
A. The new super contribution limits are as follows:
If you are aged 50 years or above, you can continue to make super contributions via salary sacrificing until 30 June 2012. However, the cut off amounts will be reduced from 1 July 2009 from $100,000 to $50,000
If you are under 50 years of age, the amount you can salary sacrifice to super is being reduced from $50,000 to $25,000 from 1 July 2009. For more information, click here.
Disabled computer access
Having access to and understanding how to use a computer can be a lifeline for many older Australians and YOURLifeChoices subscriber, Carolyn, is keen to find out more for her disabled relative.
Q.
I recently heard a segment on ABC TV about a mentoring program for seniors wanting to learn computer skills.
Unfortunately, I cannot find the relevant article on your website so could you please point me to the right direction or how I can find out more about the program
I have a very bored disabled relative living on the Central Coast of NSW and would like to introduce him to the computer to enable him to learn accessing the internet and other things to give him an interest in his life.
A.
Carolyn, you are in luck! This week we received a news bulletin on behalf of Media Access Australia (MAA) and the Australian Seniors Computer Clubs Association (ASCCA) who, together, have launched a new manual with low-cost solutions to help Australian seniors with disabilities enjoy computers and the Internet.
The gradual onset of disabilities is a common part of ageing, and many seniors experience gradual loss of hearing, vision or mobility. Whilst seniors are the fastest-growing demographic on the Internet, going online can often provide challenges to seniors with disabilities.
There are specialist solutions, however these often tend to be expensive or complicated, and provide limited value to someone with a mild loss. The new manual, entitled, Accessibility features in Windows and Web browsers addresses the computer challenges many seniors encounter, by providing simple solutions in an easy-to-understand format.
The manual tailors instructions to different disability needs and clearly identifies which Windows and web browser tools are best suited to which disability. Links to additional resources such as free screen reading software are provided, and it details some of the new and significant accessibility features in the forthcoming Windows 7 operating system.
You can find out further details by visiting the ASCCA page on YOURLifeChoices.
Public housing obligations
Maintaining your independence and staying in your own home is important for so many older Australians but, what if like YOURLifeChoices subscriber, Penelope, the state of your home leaves a lot to be desired?
Q. Penelope
I am 58, on an invalid pension and live in a Dept of Housing duplex. I have been here for just over 7 years and there has been a severe smell of mould which has became unbearable, to the point that is becoming near impossible to live in my house. You cannot see the mould but it is in the wall cavities and it seems to be also under the unit, the smell is all nearly in all my kitchen cupboards. When you go away and the unit is closed up, the smell upon return is worse and makes you want to be sick. It has gotten progressively worse over the years to the point that now mould is getting on my cook ware and you can smell it on food storage containers and kitchen appliances.
I was wondering if this can have an undue affect to one’s health besides allergies or asthma, since I have lived here I have not been well but cannot understand why. So I have some questions they you maybe able help me with.
Firstly, housing have put two whirly birds in plus vents inside and out side over a period several months but I feel that this is having no effect what so very to the problem. I now have termites plus have been told that I have dry rot in sub floor.
I need to know if you can help me find someone who can do an inspection as well as a written report out-lining how bad the mould is and what should be done to fix this it. I need to know how it should be treated as well how it should be done and it the whirly birds and vents enough to fix the problem.
A.
Thanks for getting in touch and sharing your concerns. We have visited the NSW public housing website, and copied and pasted the text below for your information – it appears your landlord, the NSW government, does have an obligation to fix this problem quickly (highlighted in yellow). We have also listed response times – it seems 20 days is the longest.
We phoned the maintenance line (1300468746) and because of the number of calls on hold the message was to call back (not very satisfactory!) However, we called in business hours and as this number is a 24-hour one, you may like to call late at night and hope there is no queue. We suggest you ask for an inspection and for the problem to be fixed within the required 20-day period. If this does not happen then it appears you may complain and have an independent assessment via The Independent Appeals Agency for Social Housing in NSW (see text below)
The contact details for the agency are as follows:
Free call: 1800 629 794
Phone: 02 9715 7955
Website: hac.new.gov.au
We hope this assists and that the problem is fixed quickly – this is your right.
Find out more about the Housing Appeals Committee.
Loss of a partner
Q. Beverley
I would like to know if you could help me to find out if there are any organizations for people who have lost partners. I live on the central coast, 2hrs north of Sydney.
A. We are sorry for your loss. If you are looking for an organisation that can help you deal with the grief you are feeling at the loss of you partner,then we suggest contacting one of the following:
Grief Link
Grief Line
Once you have dealt with your grief, rebuilding your life is important and discovering what you need and want to be able to do that, may be a difficult journey but one which will hopefully be worthwhile. Relationships Australia have offices all over Australia and can help you deal with the financial,legal and emotional issues of loss. Once you are ready they can also help you get you back on track with the social aspects of your life. You can visit their website by clicking the link below.
Relationships Australia
Overseas Centrelink pensions
YOURLifeChoices subscribers, Ed and Lloyd are both interested to find out what is their eligibility for a Centrelink pension when living overseas.
Q. I have just read your website and now realize you must be an Australian resident to claim the aged pension - does that mean that my wife can return to Australia before her 64th birthday and live with my daughter temporarily, claim the aged pension and then return overseas abd take the pension benefits with her.
Thanks again
Lloyd
A. Good morning Lloyd,
When and if your wife decided to return to Vietnam, she would more than likely be required to give up her pension, only in certain circumstances is a pension paid to those who reside outside Australia.
You should contact Centrelink who can confirm your eligibility.
Q. I am 66 years old and receiving a single aged pension. In recent years I have done volunteer work in the poorer regions of northeast Thailand. I have come to love the area and its people and I am now considering retiring there and continuing my volunteer work on a more permanent basis. However, I would like to know if I would still receive my Australian pension. I would be returning to Australia for 2 to 3 months every year to visit my family.
Ed.
A. Good morning Ed,
There are some cases where you can receive your pension while living overseas but these are limited, as a rule, you can only receive a pension when resident in Australia.
As with most things, this does depend on your individual circumstances and you should contact your local Centrelink office to enquire how the changes in residence would affect your payments.
Animal sitting
Q. Henry
I read with interest your last newsletter, particularly your article about house swapping, house sitting, etc.
Is there such a thing as animal sitting? I love animals, but I live in a unit and as such cannot have them at all!
In advance, many thanks
A. The RSPCA are always looking for volunteers to help with rescued animals and can put you in touch with organisations that also require help. For details contact your local RSPCA centre.
Another good place to enquire is your nearest vetinary clinic. They often look for suitable people to help them look after abandoned or recovering animals.
Read more details on choosing or looking after a pet.
Home help
Q. Bob
Could you please tellme where I can get home Domestic help. I live in my own home
Thank you
A. Staying at home is important to many Australians as they get older, feeling comfortable and settled in their own home can help them ward off illness. Recognising this, the Home and Community Care (HACC) program is there to provide assistance.
Find out more about your local HACC program.
Interstate travel concessions
Q. Val
Can you please advise what travel concessions there are now for age pensioners from Victoria, holidaying with family in Perth W.A.
Thank you.
A. At the moment, there are no travel concessions for Victorian Seniors Card holder in WA. The Federal Government are continuing talks with the WA state government to implement interstate trave.
Find out more on interstate travel.
Couple’s pension query
Q. Tom
My wife and I have just been at Centrelink and we are now very confused. I am about to turn 65 and my wife is 62. I have supported her for the last 10 years as she has not worked. Centrelink is now telling us the I will only get the single pension and that she will have to get Newstart and either get a job or do 15 hours per week voluntary work.
I have read a number of publications and this does not seem correct. According to my interpretation I should be eligible for a couples pension. Does anyone know what the correct answer is as Centrelink are very confusing?
A. Provided by Centrelink
If you are a member of a couple, you may be eligible for the partnered rate of Age Pension. This is the case even if the other member of the couple is not receiving a Centrelink payment. Age Pension is income and assets tested, and I’ve included a link to more information about the payment rates for Age Pension.
Centrelink website - Pension rates for Age Pension
To be eligible for Age Pension, you need to meet certain criteria. Based on the information you’ve provided, your wife is not eligible for Age Pension as she has not reached the qualifying age. A person who is not eligible for Age Pension may be eligible for other Centrelink payments, for example Newstart Allowance.
Qualifying ages for Age Pension differ for men and women - basically, the qualifying age is 65 for males and varies slightly for females according to the year they were born. For example, a woman born between 1 July 1944 and 31 December 1945 would reach the age pension qualifying age at 63, however, a woman born after 1 January 1949 wouldn’t be eligible until she is 65. Here’s a link to the eligibility rules for Age Pension.
Centrelink website - Eligibility for Age Pension
It may also be useful to note, Centrelink has a Financial Information Service which offers confidential, free, independent and expert information to assist in planning for your future and retirement. You can make an appointment with a FIS Officer by calling Centrelink on 13 2300. Here is a link to information regarding FIS.
Centrelink website - Financial Information Service
If you are unsure about the rate of payment you may receive if you claimed Age Pension, I strongly recommend that you contact Centrelink to discuss your individual circumstances. You can either call Centrelink on 13 2300 or visit your local Customer Service Centre.
Couple’s pension query
Q. Peter
We are pensioners and share a common address.
On TV we have seen couples sharing the same address but are paid as singles by Centrelink. What is the difference if a couple live the same way but claim they are married with the exception that they are paid less per each by Centrelink?
What in the opinion of Centrelink is the reason why one set of persons can exist on less than the other set?
Why – if two share a premises – is it less expensive if a couple claim to be married than if a couple share a similar property and claim not to be married?
When are a couple considered by Centrelink to be married and when do they consider that they are just sharing a property as two singles?
Is it necessary for the sex act to exist between two people sharing a property in order that they be considered married?
We have not been asked to make such a statement which would be false but we are paid as “married”.
If “married” received more we would be guilty of being overpaid – are in fact we being underpaid?
If sexual relations are no part of our life are we considered to be single but sharing the same premises?
It is a most vexing question as usually one must state every single thing that effect a payment.
A. Provided by Hank Jongen, General Manager, Centrelink
According to Social Security Law, a de facto relationship exists if two people can be considered to be living together as a member of a couple. Many factors are taken into account when determining if a person is a member of a couple. It’s a combination of these factors, not one single factor, that Centrelink bases its decision on. Two people who are not in a relationship can still live together and claim a single rate of payment - if you are concerned with the rate of payment you are currently receiving, I strongly encourage you to visit your local Centrelink Customer Service Centre to discuss your individual circumstances.
When making a decision about whether a person is a member of a couple, Centrelink must weigh up the facts, supported by evidence of a number factors including:
financial aspects of a relationship
nature of a household
social aspects of a relationship
nature of the commitment
Where a person is assessed as being in a de facto relationship, Centrelink must assess their partner’s income and assets when determining the rate of payment someone is entitled to. While Centrelink is responsible for delivering payments to eligible customers, payment rates are set by the relevant policy departments. Centrelink doesn’t have the discretion to ignore or change the rules.
It’s important to note that changes to legislation mean that customers who are in a same-sex de facto relationship will also be recognised as partnered for Centrelink purposes from 1 July 2009. If you are in a same-sex de facto relationship and receive a Centrelink payment or service, you’ll need to notify us about your relationship to ensure that you continue to receive the correct payment. Customers can do so from 30 March 2009 by calling our dedicated enquiry line on 13 6280.
Centrelink has a thorough and fair review and appeal process to ensure that the customer’s best interests are protected. We openly encourage customers to ask for a review if they feel a decision made by Centrelink is not correct. Centrelink staff understand the sensitive nature of personal relationships and treat all customers in a respectful and sympathetic manner when requesting information necessary to make this decision.
Change of residence
Q. Stuart
My parents are currently on the full pension and would not survive too well without it. They now live in a unit in Yeronga which they own. It is not a very pleasant unit as it is very closed in, dark and cold in winter. They are keen to get out of the unit and move to a more healthy environment. I am proposing to buy a house for them to move into. They would then rent out the unit and give me the full amount of this rental to help me pay the mortgage on the house. I anticipate that they would get in the order of $360 pw for the unit.
The most important issue is how this move would affect their pension. Would it be possible to get a ruling on this as they need the pension to meet day to day expenses and could not afford a pension drop. Therefore it would be essential to get this ruling prior to us continuing with the purchase of the house. Who would I write to to get a ruling and what information would they need?
A. Supplied by Hank Jongen, General Manager, Centrelink
Before making any decisions, it’s probably a good idea for you and your parents to meet with a Centrelink Financial Information Officer (FISO). They can look at your parents’ circumstances and provide information about the impact this may have on their Centrelink payments.
Centrelink’s Financial Information Service is free and confidential and helps people to make informed decisions about investment and financial matters for their current and future financial needs. To make an appointment to speak with a FISO call 13 2300.
The answer to this question is dependent upon a number of factors, including the value of the home at Yeronga and any other income or assets. It would also depend on whether the move to your property was going to be permanent. From what you’ve told me, I’m assuming the move from Yeronga is going to be a permanent one, and that the title of the new property is in your name (not your parents). I’ve based the information below on this situation.
The value of their unit at Yeronga will become an assessable asset and your parents will be considered to be ‘non-homeowners’ (assuming the new house isn’t in their name). Age Pension is subject to income and asset testing, which means your parents income and assets is used to work out the rate of payment that they receive. The test that results in the greatest payment reduction is the one used.
In order to continue receiving the full pension rate, their total combined assets would need to be less than $368,000. Assets over these amounts reduce pension by $1.50 per fortnight for every $1,000 above the limit (single and couple combined).
The income (ie. the rent money your parents receive) from the unit at Yeronga will be considered assessable income. This means that the net income (the gross income received less any interest paid and allowable deductions) will be assessed along with income from any other source. If your parents income is higher than $240 per fortnight (for a couple), it will reduce their rate of Age Pensions by 20 cents in the dollar each. In this case, their pension will be reduced by around $48 per fortnight.
If your parents have no interest in their new principle home, they may be eligible for Rent Assistance. More information about Rent Assistance is available here - Rent Assistance
You should also keep in mind that any rental income you receive will be considered assessable income for tax purposes.
Allocated pension
Q. Ken
I asked about a year ago how Centrelink calculates income from allocated pensions but am still mystified and haven’t seen any response to that poser.
I still can’t work out how an asset valued at $415,320 which was then producing more than the centrelink assessed income of $4,437.13 pa was calculated, and requests put to my local office for their advice resulted in an explanation that it was an actuarial calculation.
Could someone advise partial age pensioners such as us, in general terms, what the meaning of stopping income from allocated pensions will mean for six months should the recent suggested changes be enacted. That is - by stopping any draw down on the allocated pension for the next six months - does our joint pension increase commensurately?
A. Supplied by Hank Jongen, General Manager, Centrelink
There are a couple of rules that Centrelink uses when determining the net affecting amount of income from an allocated income stream. These are to do with the minimum allowable withdrawal limit and the deductible amount.
These rules are set by the Superannuation Industry (Supervision) Regulations 1994 and are also contained in the Social Security Act. There are also rules around the calculation of income reported by customers, where the customer reduces their draw down amount during the financial year.
The minimum allowable draw down limit for allocated income streams is ‘account balance (as at 1 July) x percentage factor’. The percentage factor is an actuarial table that sets the percentage based on a person’s age. Note: The current minimum allowable limit for allocated and market linked income streams will shortly be reduced by 50% as announced last week by the Treasurer and Minister Sherry. The limit will revert to the current level as at 1 July 09. Where the customer nominates an amount below the minimum allowable limit, Centrelink will assess the minimum on the customer’s record.
The deductible amount is calculated by dividing the purchase price (minus commutations) by the relevant number (another actuarial table based on the persons age and life expectancy). Where a deductible amount is calculated, this amount is deducted from the gross income and net income is assessed only.
If a customer elects to change the amount they are drawing down from their income steam during the financial year then the calculation that is applied (for full year income streams) is: ‘Sum of all payments already received and to be received during the financial year from 1 July to 30 June (excluding commutations)’.
Example:
Bill who is 66, has an account balance of $100,000. On 1 July 2008 he elected to receive income of $1,000 per month from his income stream. For Centrelink purposes his annual income is $12,000. This is above the (current) minimum limit of $5,000.
On 1 March 2009, in response to the announcement of reduced minimum draw down limits, Bill elects to cease receiving income from his income stream for the rest of the financial year. Bill has already received $8,000 in this financial year. Using the above calculation, the ISP would report $8,000 as Bill’s new income amount and this is the amount we would maintain against the customer record as this figure would still be above the revised minimum amount of $2,500.
If a customer elects to change their income they will need to provide a schedule from their income stream provider as it is the provider who applies the calculation noted above.
Return to Oz
Q. Hermia
This is an extract of Hermia’s question.
I’ve been wanting to come back to Oz for a while because my son will probably live in Australasia at least for the foreseeable future. I am not at all sure what will happen financially if I do return. Could you please refer me on to someone to find out what if any changes there would likely be once I’m resident again? There is just a chance also that I might be able to do this same long distance work for Japan still in Oz. If so, what would likely happen re the pension?
A. Hermia, your full query is quite complex, as you are aware. When planning to move back to Australia and to clarify your pension entitlements, your first point of contact should be Centrelink. They are best placed to advise exactly how any income you currently receive will affect any benefits you may be entitled to in Australia. When calling Centrelink from the UK, there is a freephone number, 0800 1695 865. For more details of how to contact Centrelink, www.centrelink.gov.au.
Making a will
Q. Alf
Where can I get my will made cheaply? I hear solicters charge quite a lot to do this.
A. It really depends on how complicated you plan on making your will. If it’s simple and straight forward, you can pick up a Will kit at Australia Post, or there are several online options that cost less than $30. Before you write your will, you should contact your local Community Legal Centre which can give you some advice, at no cost. You can find your nearest centre at http://www.naclc.org.au/.
British pension
Q. Rewa
Can you please advise how a part British pension is treated when you apply for an Australian pension. As an Australian I worked in the UK for 14 years and now at the age of 61 have an entitlement to approximately $100 a week part UK pension. I understand about it being subject to tax but not how it is assessed by Centrelink when applying for an Australian age pension - as income?
A. Provided by Hank Jongen, General Manager, Centrelink
When working out your Australian pension entitlement, any income that you receive from any source - including overseas income - is taken into consideration. This means that your British pension may affect how much Australian pension you receive.
If you have lived or worked outside Australia, and you are claiming or receiving Age Pension, you may also be asked to apply for a pension from that country and advise us of the outcome. Your partner may also be required to claim a foreign pension if they have lived or worked outside Australia, even if they are not claiming a payment from us themselves. Centrelink can help you claim any foreign pension. If you are receiving a foreign pension, this may affect the amount of Age Pension you receive. We use a commercial exchange rate to work this out.
The Centrelink website contains information about claiming an overseas pension, including links to information on claiming UK pensions, paying voluntary contributions or on other matters relating to United Kingdom social security. To find out the current rate of pension and the current pension income test you can contact Centrelink on 13 2300.
Retirement villages
Q. Elizabeth
I’m considering moving into a Garden Village where there are no upfront costs, but 85% of the Pension is taken to cover rent and maintenance. Electricity seems to be the only other cost. I would be eligible to receive Rent Assistance.
They seem to be bed-sitter units with kitchenette. Furniture, T.V., Fridge, Microwave supplied and weekly linen service. Communal laundry, room in unit for a washing machine.
What are the pros and cons of this type of accommodation? Do you have any adverse reports?
Would appreciate your reply.
A. Before considering moving to any village, you should get as much information as possible and the best people to contact are the Retirement Village Association.
They will be able to advise you of the pros and cons of the various types of information and any hidden extras you should be on the lookout for.
You can contact them by clicking the link below.
http://www.retirementvillagesaust.com.au/
Eligibility for $1400 bonus payment
Q. Delores
I wonder if you can help me. Somebody told me that I would not get the extra bonus because I qualified for the pension too late. I became a pensioner on 21 Nov 2008. Apparently there was a cutoff date somewhere in October, but I cannot find any reference to this anywhere.
A. To be eligible for the one-off bonus payment you must have been in receipt of an eligible Centrelink payment on 14 October 2008.
For more details, click on the link below.
http://www.centrelink.gov.au/internet/internet.nsf/individuals/bonus_payments.htm
Financial advisors
Q. John
Are there any financial advisors who specialise in facliitating access to the Commonwealth Aged Pension. Where would I find them listed?
A. For details of independent financial advisors in your area, you can search the Financial Planning Association of Australia’s website by clicking the link below.
http://www.fpa.asn.au/
They also have a very useful “ask an expert” section, where you can get some detailed information based on what exactly you require.
Pre Christmas bonus
Q. Joseph
I am a married self funded retiree with no dependants. Am I entitled to the pre Christmas bonus?
Please advise where I can get this info from
A. You can view the breakdown of who will be receiving the payment by clicking on the link below.
http://yourlifechoices.com.au/images/uploads/pensioninformation.pdf
If you have any further questions about your eligibility, you should contact Centrelink directly.
Reverse mortgages
Q. Jeff
I am a 72 year old retiree, married, with grown children no longer living at home. I am on a part Centrelink benefit and was thinking of accessing a reverse mortgage to help pay for a new car and some home maintenance. I am concerned, however, that if the value of my house goes down too much (say if there was a recession) then I may be risking a higher proportion of my property than first planned and could end up having no home at all. How do these reverse mortgages work when property values go down? My wife is really worried, but I can’t see us paying for necessaries any other way.
A.
These products are generally a good way for older people to access the value otherwise locked up in their home and carry out repairs, buy a car or go on a holiday while they are healthy enough to do it.
There is a code of practice for this industry which should address most of Jeff’s concerns. The Broker or Adviser chosen should be SEQUAL accredited and governed by the Code. Peter Beverley and Kristy Hibbert of Dixon Advisory are SEQUAL Accredited and can guide prospective clients through the process.
Usually gearing is low typically starting at 15% of the property value when you are 60. The amount you can borrow is determined by the age of the youngest partner.
Products should carry the no negative equity or non recourse guarantee i.e. you cannot owe more than the value of the property which appears to be Jeff’s main concern. However, interest does compound to the loan which will erode the equity in the home as would a fall in the value of the property. Although no repayments are required they can be made which would mitigate this effect.
Some of the other points in the code are the need to get legal and financial advice; discuss with family who are mostly supportive of parents’ needs and ensure if you are on Centrelink benefits that the transaction is discussed with them to fully understand the impact.
Supplied by Peter Beverley, Head of Mortgage Advisory Services, Dixon Advisory.
Seniors’ Cards for overseas visitors
Q. Linda
My husband and I are aged 64 and 65 and we visit Australia every year for about 4 months to stay with our daughter. Is it possible to receive a seniors card? Many thanks.
A.Unfortunately, unless you are a permanent resident of the state in which you wish to hold a Seniors’ Card, you are not eligible. For more information, click the link below.
Concessions
Q. Madeleine
I have just found out that being on the full pension (only for the last 18 months or so) I am entitled to free car registration and licence fees. I already know about the discount to council rates and electricity.
I went to the Centrelink website to find a list of discounts but couldn’t find one. Is there one? The free rego is such a blessing I am not sure if everyone knows about it – or maybe it is just me.
A.Although Centrelink issues concession cards, additional concessions such as discounts on rates and electricity are actually offered by individual state and local government authorities.
While Centrelink doesn’t have a list of the concessions available as they may differ depending on which state/territory you live in, for more information, click the link below.
Centrelink specific Q&A on frozen funds
The Government is closely monitoring the global financial crisis and its impact on pensioners and has asked Centrelink make a special one-off update of our system with the current value of any shares and managed investments that pensioners might hold. This will be done in the next few weeks to ensure pension payments are based on the most up-to-date asset values available. Q. How often asset evaluations are carried out for full or part Age pensioners?A. Generally, updates on shares and investments are only made twice a year in March and September, however people can ask for a revaluation of their personal financial situation at any time.
Q. Is this review a one off? Has it been brought forward? If so, when was it originally scheduled?
A. Centrelink will automatically reassess the share values it has on customer files and adjust people's payment rates where necessary. If customers who have investments and who are on a part rate were expecting a change in their payment and this doesn't happen after several few weeks, they should call Centrelink on 13 2300 to discuss the situation. If possible, people should have their investment certificates handy to help speed up the process.
Q. What of those NOT on an age pension who may now be eligible because of lower assets – how do these people go about applying?
A. If affected investors are not currently Centrelink customers then they can test their eligibility for a Centrelink payment or ask to talk to a Financial Information Service Officer by calling 13 2300. Claims for Age Pension can be lodged online at http://www.centrelink.gov.au, over the phone or at Centrelink offices.
Q. For those whose assets are NOT FROZEN but need money urgently, an Advance payment may be available – can you share a brief synopsis of what an advance payment is and when/how it needs to be paid back?
A. Advance payments are an advance on a person's regular pension payment, up to $500. The advance always has to be paid back through a reduction in a person's fortnightly pension. People can only get an Advance Payment if they are on certain Centrelink payments (including the Age Pension) and can only have one advance in a 12 month period. More information is on the Centrelink website here: Advance Payment
Centrelink also have a Hardship information factsheet.
Nursing home residents
Q. Amanda
Dear AboutSeniors, My mother is in a nursing home in Albury, can you advise how the lump sum payment will affect her?
A. Amanda, payments under the bonus scheme will be made directly to the residents of nursing homes and not the home owners themselves and nursing home owners will not be aloowed to increase their fees.
Widow allowance
Q. Sally
Will those on widow’s allowance get the bonus payment or will we be ignored as usual?
A. Sally, from the information we have, 112,000 Wife and Widow Pensioners and those receiving Partner, Widow and Bereavement Allowance, will receive the bonus payment.
Disability support pensioners
Q. Joan
Hi at AboutSeniors,
My husband and I both on Disability Support Pensions are a bit confused at to which pensioner’s are receiving the bonus payments, does it apply to us?
My husband is also my Carer is he eligible for the extra $1,000 do hope you can explain how or if we are entitled to anything. The way I read it there is nothing for Disability Pensioners.
A.Joan, from the information we have on the Pension Bonus Scheme, some 715,000 people on Disability Support Pensions will receive the lump sum payment, as will 470,000 Carer Allowance recipients. As individual circumstances differ, we cannot advise what payments you and your husband will recieve however, if you contact your local Centrelink office on 13 27 17 with your reference numbers at hand, they will be able to advise you.
Overseas pensioner
Q. Terry
Can you tell me as an Australian pensioner living overseas, will I be getting the bonus Kevin Rudd announced. or is only for Australian pensioners residing in Australia.
Thanks for your help and look forward to hearing from you.
A. Terry, the bonus payment will be made to all pensioners who met the eligibility requirements when the announcement was made on Tuesday 14 October. However, if you are a self-funded retireee living overseas, you will not receive the payment. Keep an eye out for our Enewsletter on Friday which will clarify the Pension Bonus Payment Scheme.
Centrelink appeals
Q. Graham
You placed my concerns some time ago on your newsletter and I received some interesting info I have since contacted the Gov. but cannot get any response to my mail amd emails. Do you have an address for an organisation that address pensioners concerns or a legal company that deal with Centrelink legislation.
A. We would suggest that you contact the Social Security Appeals Tribunal who can deal with any issues you may have with Centrelink decisions. You can visit their website by clicking the link below.
Mortgage assistance
Q. My husband & I (both 63) are close to retirement age and we have a substantial mortgage to pay, I would like to know if there is any assistance available financially when we do retire as we will not have enough funds to meet the monthly payments. There must be many Elders in the same position as us, or do we have to sell our home & join the rental market to keep a roof over our heads in order to be helped with Govt rent assistance. Your advice would be greatly appreciated.
-Rose
A. Dear Rose,
Unfortunately the commonwealth government does not offer specific mortgage repayment assistance to individuals. It is possible your state government or local council or shire may assist with rates relief etc, but you would need to contact them directly to explore this possibility. Meanwhile it is probably a good idea to take the opportunity to meet with a Centrelink Financial Information Officer (FISO) free of charge to see if there is a way of restructuring your finances to ease the burden of your mortgage.
- Centrelink’s Financial Information Service helps people, like yourself, to make informed decisions about investment and financial matters for their current and future financial needs.
- To make an appointment to speak with a FISO call 13 2300.
- FISOs also run financial information service seminars, in city and country locations, aimed at people in the workforce, as well as people who are about to retire or have already retired. The seminars are free and they cover a range of topics, including reducing your mortgage and investments for retirement.
- To find out about seminars near you and to make a booking call 13 6357 or email .
Commonwealth Carelink Centres
Q. Maureen
My husband and I are both in bad health, I don’t drive any more and mu husband as been sick for 4 days. Now it has got to the end of the road and I was wondering if there is any way I can get in touch with people who can get us into a nursing home or live at home independenty but call on someone to help us.
A. We’re sorry to hear of the predicament you find yourself in. You should contact your nearest Commonwealth Carelink Centre who will be able to advise what help can be given to you at home, or should you need to go to nursing home, they will assess your needs and find somewhere suitable.
The contact number is 1800 052 222, or you can visit their website, http://www.commcarelink.health.gov.au/.
Concession cards
Q. Betty
Hi there, I have written to SA people about concesssion use, but have had no reply, so know that someone here can answer my questions. My husband and I are on concession cards, and are going to SA in Oct 08 for a holiday. Can we show our WA cards and receive SA concession fares? We are aged 76, and had a card here in WA for transport. Thanks for your help.
A.As a rule, businesses are not required to give discounts to holders of concession cards issued in a different state. However, many do but it really is a case of asking each time before you purchase anything.
Financial problems
Recent financial market volatility may mean that many Australians will have to work longer and harder, putting their long-anticipated retirement plans on hold. Financial Planner, Richard Sheargold, discusses what the world’s recent financial problems may mean for your savings.
Q. Is the global financial market collapsing? A. Not quite. The funds have dried up significantly in the US and to some degree Europe and what is available is rather expensive. So only the AAA rated companies are prepared to borrow or can borrow at the moment. This WILL dissipate, when: I can`t answer that one.
Q. Why has this situation suddenly occurred? It has been a build up over several months even years. However now we are seeing the effect of the high cost of borrowing as some investment banks are finally telling the truth. some of these investment banks were at least 30 times leveraged. That means for every dollar in the bank that had $30 borrowed.
Q. We keep reading about major bank collapses in America – and now the UK. Is this the beginning of the end? Are we headed for another Great Depression? A. This is crystal ball gazing I`m afraid. The short answer is I highly doubt we are headed for a depression or even recession. Remember the collapses are investment banks and mortgage companies who lent to bogus mortgagees and continued to package these loans again and again. Economic fundamentals are still very good in Australia. Remember we own a lot of the resources that Asia need.
Q. When commentators refer to Wall Street and Investment Banks what bearing does this have on the Australian economy? A. Very little direct effect on our economy. But as we have seen it has a large bearing on our share market. The two are often mutually exclusive. The share market has dropped over 25% this year and Australia should still have a 3% increase in GDP (what we produce). You can see the disjoint
Q. Are Australian banks likely to collapse? A. Highly unlikely. We have strict `capital adequacy` rules in our banks which means banks have to cover derivative exposure with cash. This is not the case in the US. The US banks self regulate. That`s like putting chocolate in front of daughter, telling her not to touch it and then leaving the room. You get the picture...
Q. My superannuation is now worth about 20% less than it was a year ago. Should I delay my retirement? If so, by how long? A. That`s a tough question. Remember that the markets WILL come back. If you retire you can be rest assured that over time your portfolio should have a positive return and regain some of those losses.
Q. Most of my superannuation is invested in the Australian stock market – should I cut my losses and convert to cash? Will I need to change funds to do this? A. Once again this is giving advice. I think if you have done the hard yards now though, by selling, you would just be crytalising those losses (assuming there are losses). As I said earlier, at some point the market will recover and if you sell now when do you buy back? Remember that we only find the bottom of the market in our rear view mirror. Anyone who thinks they can pick the bottom is delusional.
Q. What are the best strategies for retirees on fixed incomes when financial markets are so very volatile? A. Retirees should ALWAYS have at least 3 years worth of their pension payments in cash anyway and then another two years in fixed interest. This allows the share market time to recover during uncertain times like now. That way the retiree doesn`t have to draw down on growth assets (such as shares and property) whilst the market is very weak, crystallising losses.
Email: Website: www.stonebridgews.com.au
Centrelink pension
Q. Glennys
My husband and I receive a part centrelink pension calculated on our assets ie an allocated pension acccount held with State Super.
My question is:- Is 100% of the allocated pension account balance considered an asset? We own our own home and have no other large assets.
A. Provided by Hank Jongen, General Manager, Centrelink
How an allocated pension is treated under the Centrelink assets test depends on when the pension was purchased and whether the income stream is considered long-term or short-term. For example, Lifetime income streams purchased before 20 September 2004 are 100% exempt from the assets test. Life Expectancy or market-linked iIncome streams purchased on or after 20 September 2004 but before 20 September 2007 attract a 50 per cent exemption. For income streams purchased after this date, there is no exemption.
To find out how your income stream is treated under the assets test, you should speak to Centrelink on 13 2300.
Assets
Q. Heather
Recently I was speaking to Centrelink (telephone discussion) to update some personal details. I was advised that the value of contents is added to any investments, e.g. bank account interest, to work out if there has been an income from these “investments”. Could you please advise if this is correct as I have always understood that Contents was a depreciating asset & fail to see how to reconcile this with bank interest.
A. Provided by Hank Jongen, General Manager, Centrelink
Thanks for your enquiry. It’s important to highlight that pensions are subject to two means tests, called the income and assets tests. Centrelink works out the pension rates under the income test and the assets test and pays whichever is the lower of the two rates.
Under the income test, financial investments are subject to deeming. This relates to the full range of financial assets, including cash management accounts and term deposits. Deeming assumes your financial investments are earning a certain rate of income, no matter what income they are actually earning.
Home contents are not subject to deeming or any other type of income test. The current market value of your assets is treated separately under the assets test.
If you are unsure about how this affects your individual circumstances, talk to Centrelink by telephoning 13 2300 or visit your local Centrelink Customer Service Centre.
Living status
Q. Wings
Can two people now live together and both get the single pension? I know of a couple who are and they get over $1,000 a week between them! Doesn’t seem fair to me when we singles have to struggle of $551.20 a fortnight.
A. Answer provided by Hank Jongen, General Manager, Centrelink
When determining someone’s rate of payment, we look at a number of factors including income and assets as well as whether the person is single or a member of a couple. To work out if someone is considered to be living in a marriage-like relationship, we look at factors such as financial aspects, social aspects and the nature of the couple’s commitment to each other. However, no single factor is decisive. Centrelink needs to consider all the information presented to determine whether a relationship between two unrelated persons of the opposite sex meets the definition of a member of a couple.
If two people are determined to be living in a marriage-like relationship, they are be paid at the partnered rate.
If you suspect someone is living in a marriage-like relationship but not declaring it to Centrelink, you can pass this information to us by calling the Australian Government Services fraud tip-off line on 13 1524.
Seniors groups
Q. I am trying to get in touch with Senior groups on the Gold Coast. Could you please advise me who I can contact as I would love to make new friends and become involved with new groups of lovely people.
Laurette
A. Hi Laurette
Glad to hear you’re keen to get out and about, meet new people and try new things. We have attached a link to Gold Coast City Council which lists a few clubs that may interest you.
www.goldcoast.qld.gov.au
The other option would be to upload a post on our Meeting Place. You can ask people if they know of any clubs in a specific area that they would recommend, usually word of mouth is the best way to find good clubs. To do this, simply go to our meeting place via the link below, fill in the form with the information you require and submit your post.
http://www.yourlifechoices.com.au/index.php/meeting_place/
We hope you find a club that interests you soon.
Public trustee and Adult Guardian
Q. Hello,
Please could you tell me who the Public trustee and the Adult Guardian are accountable to.
Regards Norma
A. Good morning Norma
Any queries or questions relating to the service provided by a Public Trustee, can be directed to Trustee Corporations Association of Australia. You can access their website by clicking on the link below.
www.trustcorp.org.au
With regards to the Adult Guardian, it depends on the state in which you reside as to who they are accountable to. For further information, you should contact the Department of Justice in your state.
Accessing Grandchildren
Q. My daughter and son in law have denied me access to their children, my grandchildren. What are my rights to have access to my grandchildren and if there are any rights, how do I enforce them?
Thanks
Anna
A. Hi Anna
How distressing for you to be denied access to your grandchildren. You do have rights of access to your grandchildren under the Family Law Act. Applications must be made through the Family Court and you can access their website from the following link.
http://www.familycourt.gov.au/
Before applying to the court, you may wish to take legal advice so as to ascertain exactly what you are entitled to request. You can access free legal advice at a Community Legal Centre. For more information on your nearest centre, click the link below.
www.yourlifechoices.com.au/index.php/articles/category/legal_and_general
We hope this helps and you’re reunited with your grandchildren soon.
Taxable allowance
Q. Harry
I would like to know what a pensioner (old age) is allowed to earn before he has to pay tax. I have 2 small pensions from overseas and a part Australian pension, all up about $30,000. per year. I have a small parcel of shares, which had a hammering in the last year or so, if I sell a few shares, not more than $7000, do I have to pay tax on this? Looking forward to your reply.
A.Harry, it all depends on your individual circumstances and whether you can claim any of the tax offsets available to you. To ascertain what you would be liable to pay, you should contact the ATO. We have contacted the ATO, who will not comment on individual however, they have passed on the following information:
Tax rates 2008-09
Taxable income
Tax on this income
$0 – $6,000
Nil
$6,001 – $34,000
15c for each $1 over $6,000
$34,001 – $80,000
$4,200 plus 30c for each $1 over $34,000
$80,001 – $180,000
$18,000 plus 40c for each $1 over $80,000
$180,001 and over
$58,000 plus 45c for each $1 over $180,000
There are some tax offsets available to seniors and the Senior Australians tax offset calculator”>Senior Australians tax offset calculator available on the Tax Office website can help people work out whether they are eligible for the senior Australians tax offset and if so the amount.
More information for seniors and retirees is available at http://www.ato.gov.au/individuals/pathway.asp?pc=001/002/025
Work dilemma
Q. Rita
I have been offered a job lasting about 5 or 6 weeks, part time. I will receive about $800.00 in total for this work.
I see that an old age pensioner, single, can earn $138.00 per fortnight. This makes it $3588.00 per year.
Will my miserly $800.00 have any effect on my pension?
I desperately need some extra money, but not if I am going to loose some of my pension, as it just wouldn’t be worth it, would it?
As I mentioned before this will be over about 3 fortnights, out of the whole year.
When you divide the $800.00 by 26 fortnights, it would come to about $31.00, per fortnight,
but it would actually be $800.00 divided by about 3 fortnights, which would be about $267.00, per fortnight.
Will you please offer a suggestion regarding my dilemma?
A. Answered by Hank Jongen, Centrelink General Manager
Age Pensioners have a range of choices if they decide to take on short-term or one-off employment opportunities in retirement.
Centrelink often receive calls from Age Pensioners who have been asked to play Santa Claus or work at their annual Show Day, who are worried about taking on the opportunity in case they lose their entitlement. It’s very important Age Pensioners who earn income talk to Centrelink, but it doesn’t mean they will be disadvantaged by working.
Generally speaking, a single pensioner can receive $138 a fortnight before their pension is affected at all, and a couple can receive $240 a fortnight. After this, the pension reduces by a set rate for every dollar of income above these amounts.
In some circumstances, an Age Pensioner’s total employment income from a short-term job can be averaged over 12 months or else annualised just for the period of employment. Centrelink staff will discuss these options with you to work out which way is best.
If the period of employment is short but the income earnings are generous, a customer can decide to suspend their Age Pension altogether. It’s possible to suspend a payment for up to three months, and then restore it when employment ends without having to restart the whole pension claim process.
As always, I encourage Centrelink customers to discuss their individual circumstances with Centrelink by calling 13 2300.
Newstart allowance
Q. Pam
I am 61 years old and thinking of doing some volantary work, to be able to claim Newstart, as my husband took an early retirement, and the share market being the way it is at the moment has eaten into our funds. I am aware you have to do 30 hours a fortnight, but wondered how much you get for that time. Look forward to your response.
A. Answer provided by Hank Jongen, Centrelink General Manager
You’re right in terms of the commitment each fortnight, because if you are 55 or over, you will be able to fully meet your obligations to receive Newstart Allowance by participating for at least 30 hours per fortnight in a volunteer activity agreed with your employment service provider or Centrelink, or combining paid part-time work and volunteering activities to a total of at least 30 hours per fortnight. You will still need to work with a employment service provider, have an Activity Agreement and accept any suitable jobs that are offered to you. To find out more, visit http://www.centrelink.gov.au or telephone our Employment Services line on 13 2850.
Carer breaks
Q. Peter
My wife is a carer for our adult daughter, and we are going on a 10 day holiday shortly, so I was wondering what we have to do in regards advising Centrelink; and then, does my wife lose her pension and allowance while we are away?
We are getting home help in while we are away.
A. Answer provided by Hank Jongen, Centrelink General Manager.
You can take a number of breaks from caring, up to 63 days per calendar year (1 January–31 December), and still qualify for Carer Payment and Carer Allowance. You can use these breaks in a variety of ways including having a holiday, visiting friends and family or for formal respite. You may also use these days if you are sick and cannot provide care for the person you usually care for.
If you take a break from caring and use up some of your respite allowable period, it’s important that you let Centrelink know.
Special rules apply if you are leaving Australia. Please contact Centrelink on 13 2717 for more information.
Senior Australian Tax Offset
Q. Frederick
I am a 62 years old male. As such, I am not pension age. My wife will be over 63.5 years by next June. As such, she will reach pension age. Because I am working, she will not receive a pension. However, there is a tax rebate for Senior Australians. Because my wife is not eaning money, her Senior Australian tax rebate cannot be used. But, this unused amount is normally transferrable to the spouse. However, because I am not at pensioner age, I am not sure if I can use my wife’s unused Senior Australian rebate. Will you be able to answer this question please?
A.We’ve sought an answer from the ATO who inform us that both parties must be eligible for the Senior Australian Tax Offset, i.e. both of pensionable age, before the unused portion can be transferred.
Below is a link to some more information from the ATO’s website.
http://ato.gov.au/individuals/content.asp?doc=/content/36498.htm&pc=001/002/025/006&mnu=3388&mfp=001/002&st=&cy=1
Migrating to Australia
Q.Guy
I am a British pensioner considering moving to Australia to be closer to my son, daughter-in-law and grandchildren. I am concerned, however, what effect this will have on my pension payments. I have tried contacting your consulate but was left even more confused than ever with their answer. Can you help me understand if this will be financially detrimental? And are there any helpful websites for people like me thinking of making such a big move?
A.Provided by Hank Jongen, Centrelink General Manager
There are a couple of websites you can visit to find out how your situation may be affected by a move to Australia. To find out how your British pension would be affected if you choose to live in Australia, you should talk to the United Kingdom (UK) Department of Work and Pensions about your British pension. The website for the Department is http://www.dwp.gov.uk/index.asp
As a prospective migrant from the UK, you should also be aware of the minimum amount of time you have to live in Australia before becoming eligible for Australian Age Pension. Previously, an Agreement between the UK and Australia provided early access to Australia’s social security system, but that Agreement has ceased. Now, you will need 10 years qualifying residence before being eligible to claim Australian Age Pension.
Other Australian payments may be available after living in Australia for two years, for example, Special Benefit may be available for people who are experiencing hardship.
Further information is available from the Australian Department of Family, Housing, Community Services and Indigenous Affairs website:
http://www.facsia.gov.au/internet/facsinternet.nsf/international/uk-uk_info_migrants_prospective.htm
Australia’s social security payments are generally subject to an income and assets test. So should you qualify for a payment, the amount of income and assets you have will affect how much you can be paid. You can find out more about the Age Pension income and assets test by visiting www.centrelink.gov.au I hope you find this information useful.
Age Pension allowance
Q.Juanita
I am a 75-year-old widow and grandmother who has been offered part time work at my grand daughter’s school. I am very excited at the thought of rejoining the work force (thank goodness someone thinks I’m still useful!), but wonder how much income I can earn before my (full) Age Pension is reduced or taken away completely?
A.Provided by Hank Jongen, Centrelink General Manager
The Age Pension is income tested, so you need to tell Centrelink about any income you earn.
For a single Age Pensioner your Age Pension payments will not be affected if your income from all sources is $138.00 per fortnight or less. If you commence employment then your employment income will be added to any other income that you receive.
You can receive a part pension if your income from all sources is $1,519.50 per fortnight or less. This amount is higher if your Age Pension includes Rent Assistance.
If your income exceeds $1,519.50 per fortnight your Age Pension payments will completely cut out.
Age Pension payments are also assets-tested, so any shares, investments or property you own other than your family home may also affect your pension payments.
Seniors can test their eligibility for Age Pension by visiting their local Centrelink Customer Service Centre, logging onto the Centrelink website at www.centrelink.gov.au or calling 13 2300.
Age Pension query
Q.Mark
I am 59 and on the Disability Pension. I was born 14.4.49, when do I transfer to the Age Pension?
A.Provided by Hank Jongen, Centrelink General Manager
The Age Pension is a safety net giving people who have reached Age Pension age adequate income in retirement.
To qualify for Age Pension a man must be aged 65 or over, but women qualify for Age Pension at different ages. From 1 July 1995 the minimum age for women to receive Age Pension began to increase.
By 2014, the minimum qualifying age for women will be 65 years, making it the same for everyone. Until then, the qualifying age for women depends on their date of birth.
Click here to view the Age Pension table which shows when women qualify.
Allocated annuity
Q. David
I want to cash in the remaining amount of my Allocated Annuity, how would that affect my pension?
A. Provided by Dante De Gori, Technical Manager - Business Support, ClearView Retirement Solutions & MBF Life Limited
The rule with Centrelink is that unless they are notified otherwise, any commutation (lump sum withdrawal) will be treated as additional income from their allocated annuity/pension and therefore affect the income test for the Age Pension.
If you notify Centrelink that it is a Lump Sum withdrawal then it will not be treated as income but rather the treatment will depending on what the client does with the money. For example if they place it into their bank account then the value of that bank account will be assessable under the assets test and then deemed under the income test.
Emergency mobile communication
Q. Judy
I was wondering if there is a product that can be worn by a pensioner in & out of home for emergency calling.
My father is 85 and lives alone and there are no relatives living in a close proximity. All family live in another state.
A. There is a system called VitalCall, that is operated by Chubb. They provide a simple to use mobile device that can be activated by pressing a large button. Once connected to a member of staff, who can access previously supplied information, they will arrange for the necessary emergency service to attend. For more information, call 1300 360 808 or visit their website by clicking the link below.
Commonwealth Carelink Centres
Q. John & Jasmine
What help is available for pensioners to stay in their own homes?
A. There are so many factors which determine what help is available, i.e. physcial ability and financial position. Commonwealth Carelink Centres will give you precise and up-to-date information on what is available in your area. You can contact them by calling 1800 052 222, or visit their website by clicking the link below.
Moving interstate
Q. Keith
We are thinking of moving from SA to Victoria.
Do you know where we might find information to compare concessions on such things as council rates,electricity, gas, wood and car registration. We need to compare these to ensure we can afford to live there once we move.
Any help would be appreciated.
A. Many thanks for your email and interest in AboutSeniors.
Below is a link to a document which lists concessions available to those living in Australia, which may give you an idea of whether you can afford to make the move or not.
http://www.office-for-children.vic.gov.au/policy-planning-funding/state/guide
Long haul travel
Q. Johan
My mother is 81 years old and wheelchair bound as her left leg was amputated some years ago. We are emigrating to Australia and want to take her with us. How will she handle a 10 hour flight and how will she manage to get to the toilets etc. There will be a person flying with her but is it possible for her to get on and off the toilets?
A. All airlines will offer assistance through airports, and for getting on and off flights, if booked in advance and many airlines will allow for a carer to travel with your mother, however, they will be solely responsible for her wellbeing, i.e. making sure she gets to the toilet, is comfortable during the flight, etc. Also, she will not be allowed to take her own mobility aid onboard, the airline will provide a cabin suitable aid.
Depending on the size of aircraft, there may be disabled toilets onboard, though she may have to cope with standard aircraft sized toilets.
With regards to how your mother will cope with the long flight, that really depends on how well she is physically, notwithstanding her disability. Long haul flights are tough on even the most able bodied and active passenger, so perhaps a discussion with her physician is required before you consider making the trip.
Before booking anything, you really need to contact the airline and explain your mother’s situation as you know best her abilities and the airline will be able to advise you accordingly. SAA require you to complete a medical questionnaire prior to travel so they can assess how best to cater for a passengers medical needs.
We hope that she is fit enough to make the journey and you all can get on and enjoy your new life in Australia.
Sydney discounts
Q. Joe and Peggy
Good Day We are planning to travel to Australia from America in November and will be spending about a week in Sydney before going on a cruise. Will we be able to take advantage of senior rates at attractions and transportation. Also is there a website you can recommend to us to plan our time in Sydney. Thank you for your time and assistance.
A. Many thanks for your email and interest in AboutSeniors.
Certain businesses in Sydney offer discounts to holders of a Seniors’ Card, which is issued by individual States to their residents who meet the necessary criteria. Although not bound to do so, many business will honour this discount if you have proof of your senior status, so it always pays to ask.
Below we have provided links to what we consider to be three of the best sites giving information on what’s on in and around Sydney and NSW.
www.visitnsw.com
www.sydneyaustralia.com
www.whats-on-in-sydney.com.au
We hope you both have a wonderful and safe trip.
Reverse mortgages
Q. Mary
We are struggling to make ends meet on the Old Age Pension (husband nearly 71 years old), Partners Allowance (I am 63 years old), and a little bit of interest from my superannuation.
We like staying in our unit, and wondered if you have heard about the Bendigo bank - they have a scheme in which they can “buy half your home”. I am nervous about selling to anyone other than my children (who can’t afford to do this) and wondered if you had any advice for us....and our friends who are also considering doing this. Thank you
A. There are many older Australians who find themselves in the same position as you do. A reverse mortgage, as this type of loan is commonly know as, is one way to fund your lifestyle however, it is a major financial decision and should not be taken lightly.
In the first instance, I suggest you contact SEQUAL (Senior Australians Equity Release Association of Members) who are as close to a governing body on this type of lending that there currently is. They have lots of tips and advice as to what you should look out for, how the loans actually work in practice and a list of members who provide such loans. You can visit their website by clicking the link below.
www.sequal.com.au
Also, the services of a good, independent financial advisor should be sought. If you don;t already have a trusteed planner, then visit the Financial Planning Association’s website by clicking the link below. They will assist you to find a reputable and certified planner in your area.
www.fpa.asn.au
With all matters financial, it pays to be cautious and have as much impartial information to hand as possible. We hope that the two links above help make your decision easier.
One-off bonus payment
Q.Jill
As aged pensioners I believe we are entitled to a $500 bonus from the Government to help with escalating costs.
Can you tell me where I can find information on this? Have searched Centrelink website but can’t find any mention of it, only the utilities allowance, but this is not what I am referring to. The amount I’m referring to is the one-off the previous Government gave us last year and the current Government promised us this year.
A. The information given on the one-off bonus payment is limited. The $500 will be paid to individuals who are of aged pension age and are eligible for either the Utilities Allowance or the Seniors Concession Allowance will be entitled to the payment. Both eligible members of a couple will receive the bonus and these bonuses will be paid to recipients by 30 June 2008.
As yet, there is no date given for the payment but as we are fast approaching June 30, it should be very soon.
If you need any further information, you should contact your local Centrelink office.
National Seniors Card
Q. Bruce
Just found your great site. I’ve read about the use of seniors cards interstate and was wondering if the Rudd government has been aproached to have an Australian Seniors Card or facilitate the use of one state’s card in other states?
A. You are correct, one of the Rudd Government’s pre-election promises was to extend seniors discounts for travel across state borders into a National discount scheme. This has yet to be delivered - we are keeping a close eye on this issue and will report updates in our weekly Enewsletter.
Super co-contribution
Q. Graham
I have just finished reading the article on the government co-contribution. I am wondering if I am eligible?
I am 62 and have retired owing to a heart problem. I work as a mystery shopper and earn approximately $200 per month which is declared to Centrelink. I have an ABN. My pension is $459 per fortnight. If I was to contribute $1000 per year to my super fund would I be entitled to the co-contribution?
A. Many thanks for your email and interest in AboutSeniors. Unfortunately we do not hold a financial services licence and therefore are not qualified to advise whether or not you would be eligible for the co-contribution. We would suggest contact the Financial Planning Association, who, as part of Financial Planning Week have experts on call to answer questions such as these. You can access their site via the tile on our homepage, click the link below, and send your question to their experts.
http://www.yourlifechoices.com.au/
We would love to know what the outcome is, it gives us a great idea of what people are entitled to, and helps us to keep people informed.
Bonus & CPI carer payment
Q. Graeme
Has any one got a rough idea when these payments will occur?
A. There has been no date set as yet for payment of the bonus payments other than they will be made this financial year, before 30 June 2008. Should we be advised when they will be paid, we will post it on our site.
Retirement villages
Q. Simba
I do not have a house of my own and would like to get some information on retirement villages where people can rent.
I have a friend who rents a small one bed unit through the Uniting Church at Springwood NSW. I understand that you have to put your name down on a waiting list.
Do you know of other similiar organisations where I can seek the same thing. Is there a listing available Australia wide or state by state?
I gather that by law, some (or all) retirement villages have to offer something like 20% of their accommdation to people who do not have their own house and need to rent. Is this true?
A. The Retirement Village Association have lots of useful information of their website, which you can access by clicking the link below. This will give you details of all the villages that are in your area. They also have the contact details of state offices, which should be able to put you in touch with those in your area that deal with renting properties in retirement villages
Reverse mortgages
Q. Fred
Can you point me in the right direction to borrowing money on my house which is not paid back untill you die and you don’t pay interest Thanking you in anticipation
A. The first port of call for any advice, information or possible recommendations on reverse mortgages should be Senior Australians Equity Release Association of Lenders (SEQUAL).
Ambulance services, WA
Q.Claude
I have been given conflicting advice regarding this topic, hence my query… Do Seniors qualify for ambulance services in WA without any fees/charges (of course providing they are in an emergency situation)?
I am currently covered by private insurance, but was informed that this was not required by Senior Citizens.
Would appreciate your clarification.
A.If you are an aged pensioner then you qualify for free ambulance services in WA and senior citizens over 65 years of age get 50% discount. For more information on free and reduced ambulance services, click the link below.
Australian pensions overseas
Q.Graham
My position is I am 64 next birthday and have been living in Thailand for 4 years. I brought 80,000 AUD here and have been living on this money. I have money invested in Aust. and am still paying tax. I have been told to get the aged pension at 65 I would have to stay in Australia for 2 years or I would lose it if I travelled outside Australia. I phoned centrelink and was told that I could return now and get newstart and then get the pension. This seems unbelieveable that I have worked all my life in Australia and am a 5th generation Australian, also have paid taxes all my life. Centrelink also told me that they did not consider this. I consider this to be discrimination against someone who has done the right thing. My mother is still alive and my son and his children are in Adelaide. I travel home at least once a year to visit. I have emailed Centrelink but cannot get a personal response. I would be grateful for any information you can give me or any suggestions you may have.
A.We have passed your details to our Centrelink contact and asked them to respond to you direct. In the meantime, we suggest you contact National Information Centre on Retirement Investments (NICRI), who can advise the best course of action for money you have invested in this country and may also be able to advise on your pension issue.
For more information on NICRI, click here.
Lost money
Q.Don
A couple of weeks ago you mentioned the email address of either ASIC or the ATO and said there were many unclaimed bank accounts and insurance policies awaiting owners. I have deleted that newsletter but wonder if you could supply me with that contact number/address?
A.The website you’re looking for that has detailed information on how to claim “lost money” is http://www.fido.gov.au/fido/fido.nsf
Hiking clubs
Q.Denise
Can you advise if there are any hiking clubs in the Pine Rivers Council(Moreton Bay) area.
A.There are many hiking and bushwalking clubs in Queensland and I would suggest getting in touch with the Queensland Federation of Bushwalking Clubs, you can access there website by clicking here. Also, there are a couple of links below that have details of other clubs in the Queensland are which may be of interest to you.
http://www.brisbane-australia.com/103353.php
http://www.bbw.org.au/links.htm
Utilities allowance
Q.Cassandra
I was wondering do we get the $125.00 payment 4 times per year or $500. I am not sure hope you can help.
A.Thank you for confirming you were enquiring re the Utilities Allowance. This payment is paid four times a year, on or in the fortnight after 20 March, 20 June, 20 September and 20 December. For more information on this allowance, click here.
Autumn gardens
Q.Paul
What should I be doing to my plants to get them ready to survive winter?
A.Plants generally do their own preparation for the pending Winter, for example, deciduous plants lose their leaves, and herbaceous perennials die back and retreat underground.
Tidy the garden, pruning off any unruly growth. Pull out spent flowering annuals and remains of harvested vegetables.
Mulch or re-mulch moist garden beds helps to keep the soil temperature warmer and prevents the soil from freezing.
Rake up fallen Autumn leaves and put them back onto garden beds or into the compost bin
Q.Drew
What plants should I be planting that will thrive in winter conditions and give my garden a bit of colour during the cold season?
A.Your garden doesn’t need to be dull in winter. There are an extensive choice of annuals, perennials and shrubs which bring your garden alive during this time. Plant annuals such as violas, pansies, and primula. From seedlings it will take 8-12 weeks to fully establish and provide welcome colour in your garden throughout Winter.
Some hardy permanent plants which flower during the Winter include helleborus, flowering japonica, euryops, cheiranthus, camellias, correa, proteas and ‘Winer Cheer’ kniphofias.
For perfume and flowers try growing daphne, sarcococca, pink luculia, mahonia and wintersweet (Chimonanthus praecox).
Q.Helen
Are there any vegetables that I can plant now that will be ready to eat in winter?
A.Often the vegetable patch is left fellow (empty) in Winter. There are many vegetables that can be grown through the cooler months including: broccoli, cabbage, cauliflower, carrots, lettuce, silverbeet, leeks, spinach, broad beans, and parsnips. For best results consult a vegetable guide for your local climate which will provide suggested varieties and planting times.
Asset limits
Q.Ann
Hi, could you pelase tell me how much money you can have in the bank without it interfering with the pension? Our house is only worth $90.000.
A.Answer provided by Centrelink General Manager, Hank Jongen
Thanks for your question, Ann. Firstly, a person’s primary residence is exempt from the assets test for Age Pension, so the value of your home is not counted by Centrelink.
If you have no other assets, and are a single pensioner, you can have $70,333 in the bank or invested before your pension starts to be affected. If you are a member of a couple, and have no other assets, you can have combined savings and investments of $122,333 before your pension starts to be affected under the income test.
M4/M5 cashback scheme
Q.Bern
Could you please give me information regarding rebates from M4 and M5 motorways, my brother has a form which he fills in each time he gets his statement and they send him back a refund cheque, could you please inform me how to go about it.
A.You can find out more about the M4/M5 cashback scheme by clicking the link below. This will give you details of residency requirements and how to claim.
WorkVentures
Q.Bev
Can you advise if we have a supplier for laptop computers amongst those that give seniors a discount. I have misplaced my book of discounters.
A.WorkVentures offer refurbished PC’s and laptops to those on Centrelink benefits, you can find our more by clicking the link below.
Also, if you hold a Seniors Card, you can get details of discounts on offer by contacting the Seniors Card office in the state you live. You can find out details of these by clicking the link below.
Life activities club
Q.Morag
I would like to know if you could advise me regarding my mother. Just lately she has mentioned that she gets a bit lonely (she lives by herself since my dad died 7 years ago) and would like someone to have a cuppa with and a chat. As she finds it a bit difficult to get around, and she also stresses when she has to go somewhere she is not familiar with, I wondered if you had people who visit people at home for a cuppa and a chat. If you could help me with this (mum is 78) and a lovely lady who loves a chat. I talk to her every couple of days (I work full time) and my son takes her to church every Sunday but she would like someone her own age to talk to.
A.How lovely for your mother that she has a family that cares so so much. We think a Life Activites Club would be perfect for her, the nearest one to where she lives is Brighton. They arrange all sorts of events that are geared towards the over 50s getting more active and involved in their local community One of the nice things about these clubs is that they undertsand people are a little apprehensive about going along to things on their own and they will arrange for someone to pick your mother up on her first visit.
For more information, visit their website by clicking the link below. We’d love to hear how your mother gets on.
Dentures
Q.Vesna
I was wondering whether you could help me. Both my parents are pensioners. My dad is on the old age pension and my mother is in the process of Centrelink changing her from disability support pension to age pension (early January, 2008)
My parent’s next door neighbour today told my mum that as from 1st January, 2008 pensioners are entitled to $4,000.00 towards the cost of their dentures. Is this true? Could you please send me a reply at your earliest convenience as mum is in the process of getting new ones made.
A.Answer provided by Centrelink General Manager, Hank Jongen.
Thanks for your question Vesna. Centrelink is responsible for issuing Pensioner Concession Cards, which helps identify whether a person is in receipt of a pension. And while many people can access discounts on dentures and glasses because they are a Centrelink customer, those services are provided by State Governments. For information about whether you’re mother is eligible for money for her dentures, I’d recommend you contact your State Government.
Free eye glasses
Q.Jane
I have been trying to find out some information on the Centrelink site and there doesn’t seem to be any info on getting glasses. I believe one can get free glasses if you have the PCC, is that right? I have the kept the prescription.
A.Answer provided by Centrelink General Manager, Hank Jongen.
The Pensioner Concession Card provides customers with a range of discounts Jane, for example the Federal Government provides a discount on medicines through the Pharmaceutical Benefits Scheme and a range of other assistance is available through State Governments, such as discounted public transport. Centrelink doesn’t offer discounts on prescription glasses, so I recommend contacting your State Government to see if they can help you.
Age pension while overseas
Q.Alex
Hello my elderly mother (Australian living in QLD) may come to live with me for a while in the USA. Can she still receive her pension, benefits etc if she stays with me for 6 months? Can she get assistance in the cost of her travel to her location with me, she is elderly and suffers from several medical situations?
A.Answer provided by Centrelink General Manager, Hank Jongen.
In most cases, customers receiving Age Pension can continue to be paid if they spend time overseas. Depending on the period of time a person is away, their rate of payment may be affected. Australia has a social security agreement with the USA, which means people can sometimes continue to receive their payments for longer than they would otherwise. Because a range of factors affect whether you can receive Age Pension while overseas, it’s important your mother contact Centrelink about her planned trip as soon as possible. Contact Centrelink’s International Services Team on +61 3 6222 3455 for more information
Disability support pension
Q.Tony
I am receiving a part DSP, my wife works full time, I would like to know that if my wife refuses to give me the info that is required by Centrelink (her wage details) in order for me to get my support pension, Is my wife legally obliged to supply that information?. Although married and have joint bank accounts and live in the family home, we do live seperate lives, and enjoy our own seperate closed off space within the family house.
A.Answer provided by Centrelink General Manager, Hank Jongen.
You’re right that Centrelink needs to know about your wife’s income in order to assess your eligibility for Disability Support Pension. The income and assets you and your partner have can impact on your rate of payment. Although your wife isn’t legally obliged to supply information to you to pass on to Centrelink, failure to do so will mean Centrelink cannot pay you because we can’t calculate your correct rate. If you are already being paid and your wife’s income changes, you must let Centrelink know to avoid an overpayment that you would have to repay. Contact Centrelink as soon as possible on 13 2717 to discuss your situation further.
Travel tips
Q.Michael
Hi, I have a question you might be able to help me with. A couple of years back, I had some books sent to me, from different states, like cheap motels, food and travel. As I’m off in May to visit NSW and QLD, I’m wondering if you could let me know where I can obtain these books.
A.You can obtain useful information from the tourist board for the states you are visiting. The links below will provide details of these.
If you hold a Seniors Card, you can also get in touch with the state offices who will advise of any reciprocal arrangements they have with other states to provide discounts to card holders. You can access contat details by clicking the link below.
Have a great trip!
Seniors card
Q.Brigitte
My father is aged 62 and he receives a disability pension from Centrelink. Should we be applying for a senior card?
If yes, where do I obtain a form?
A.Brigitte, Seniors Cards are issued to those aged 60 and over, not working full time and who meet the residency requirements. They are issued by state offices, details of which can be found by clicking the link below.
Retirement Villages
Q.Florence
Is there a web site where I can look at the 50 plus villages available in the South East Qld area?
A. For more information on retirement viallges in your area, we would suggest you visit the website of the Retirement Villages Association. The RVA gives information on what to look for in a village as well as promoting villages that meet requried standards. You can visit their website by clicking on the link below.
Sport for over 50s
Q.Phyl
Would some clever person be able to tell me where the place is people of any age can compete in walking, running etc. i.e 50’s, 60’s, 70’s, 80’s, 90’s and even 100’s. I have looked under Veterans, and Seniors and Masters Games but cannot find what I am looking for. I would just like to have a look and see if I could walk and maybe run a bit and throw a Javlin and the hammer and maybe the disc, and have the fun of meeting other oldies and training, more than anything and going to competitions also.
A.Dear Phyl
Thank you for your query re walking and running clubs for “grownups”…we have done some research for you and recommend the following starting points – and congratulate you on your desire to keep moving!!!
Australian Runner magazine is a source of excellent events for runners of all ages. It is available from newsagents or by subscription – see the website http://www.ausrun.com.au/ for further information.
Aus Runner’s sister website, Start to Finish Events is another great source of events for those who like to run fast, to jog, to walk, or perhaps stroll with a pram. They are terrific activities through which to connect with like minded athletes. Website http://www.ausrun.com.au/start_to_finish/home_stf.html Another site that lists local running clubs by state is http://www.coolrunning.com.au/runningguide/wiki/index.php/VIC_Clubs - this takes you through to the Victorian page as you are interested in Latrobe Valley locations.
And for more general Athletics information, Australian Masters Athletics Inc lists national activities and clubs for those wanting to get off the couch and head out into the great outdoors for fun and fitness! Check out state links on this site http://www.australianmastersathletics.org.au/
Let us know how you get on.
Seniors’ Internet Fund
Q.Trevor
You mentioned the Labour Party’s promise to set up a Seniors’ Internet Fund. Does such a fund exist yet, and if so, how may I access further information about it? I look forward to your reply & thank you in anticipation.
A.This fund hasn’t yet been established and we’ll be sure to advise when it is. Telstra run a programme called Connected Seniors, which offer grants to community based organisation which meet certain criteria. For more information, click on the link below.
Also, it may be worthwhile getting in touch with your local ASCCA club. You can find out more details by visiting the ASCCA page on our website
Pension payment dates
Q.Maureen
Is there a calender or list of 2008 aged penson payment dates? I am making a calender for Mum and would like to put the pension days on it.
A.Unfortunately there is no list of pension payment dates that we’re aware of however, I’m sure if you contact Centrelink direct, they will be able to advise when payment is due. You can find their contact details be cliking on the link below.
Sudoku problem
Q. Hi, when i go to the Sudoku page, all i get is the YOURLifeChoices page with no Sudoku puzzle, is there something i am doing wrong?
Regards, Geoff
A. Hi Geoff
There are a couple of things you will need to try. My first suggestion would be to try and open the page with a different browser, for example if you are trying with Internet Explorer currently, download Mozilla Firefox and try and view the page with that.
If that does not work, then you may need to download java. I believe if you click the link below and download/install it may help.
Part pension
Q.Keith
I am a widower and about to receive the age part pension. Please advise the limit I can earn without affecting the pension.
A.Answer provided by Centrelink General Manager, Hank Jongen.
The Age Pension is income tested, so you need to tell Centrelink about any income you receive. You must inform Centrelink of the gross amount of wages you earn (ie before tax is deducted) as well as the value of all financial assets you have. Assets such as investments and loans are deemed to be earning income at a certain rate regardless of the actual rate. As a single person, if your total income is under $132 per fortnight, your Age Pension payments will not be affected. Above this income free area, your pension is reduced by 40 cents for every dollar of income you have so that you can still receive a part pension if your assessed income does not exceed $1,490.75 per fortnight (or more if you also receive Rent Assistance). Please note Age Pension payments are also assets-tested. You should contact Centrelink on 13 2300 for further information about how earnings affect the Age Pension.
Dancing shoes
Q.Rasa
I’m a 54 y/o, divorced woman who is still active and would like to do some swing (or similar) type dancing lessons in order to have some fun, stay fit and meet new friends in Sydney in my age group. Do you know of any websites or organisations which could give me some contacts?
A.Dancing is a great way to stay fit, meet people and have fun. The Sydney Dance Company run seniors classes in different dance types. For more information, click the link below. Have fun!
Competitions
Q.I was rather disappointed that I could not enter your competitions because I live in ACT. I have entered and won prizes through another publication so I cannot understand why this should happen with your competions.
A.We understand your frustration at not being able to enter our competions and by clicking on the link below, you can read our interpetation of the ACT Gambling and Racing Commission laws.
It is at the discretion of other publications how they chose to interpret such laws.
Pre-paid Funerals
Q.Frank
I’m a pensioner and my wife is in a nursing home, we are both on single old age pensions and I was wondering about the best way to go about prepaid funerals and also if there is any assistance for funerals etc, from Centrelink when we die?
A.At present, there is no assistance from Centrelink with the cost of funerals, however, for more information on the possible benefits a prepaid funeral plan or bond may have on your Centrelink assesment, click the link below.
Also, you may wish to contact the AFDA (Australian Funeral Directors Association)who will be able to give you more advice on how to chose the best plan for you and your wife. You can access their website by clicking the link below.
Keep dancing
Q.Rasa
I’m a 54 y/o, divorced woman who is still active and would like to do some swing (or similar) type dancing lessons in order to have some fun, stay fit and meet new friends in Sydney in my age group. Do you know of any websites or organisations which could give me some contacts?
A.Dancing is a great way to stay fit, meet people and have fun. The Sydney Dance Company run seniors classes in different dance types. For more information, click the link below. Have fun!
Irish travel card
Q.Ann
I would like to know if I would be entitled to an Irish travel card. I receive a part pension from Ireland but am not sure if this entitles me to a travel pass.
A.To be entitled to an Irish travel card, you must be over 66 years of age and residing permanetly in Ireland. For further information on Irish travel cards, please click the link below.
Retirement village start-up
Q.Seema
I am interested in running a small retirement village for my religious community. What are the first steps and what am I required to do?
A.Your first point of contact should be the RVA (Retirement Village Association). They can advise on all aspects of setting up a retirement village. You can find more details for the RVA by clicking on the link below.
Financing retirement accommodation
Q.Graeme
I recently visited some retirement villages, and was told that it is not possible to obtain a normal mortgage to finance purchase of a property. My question is - are there any retirement villages/over 50’s resorts available that one can obtain a normal mortgage on?
A.Brian at the RVA (Retirement Village Association) has kindly answered this question for us.
In theory, a person who acquires a strata-title unit is able to take out a mortgage to help fund the purchase price - BUT if the unit is within a retirement village, the owner/operator would have most likely had a caveat imposed on title.
This would take precedence over any mortgage - so that any mortgage provided to the purchaser by a bank or other financial institution would therefore in effect become a second mortgage. As a consequence, it is beyond the ‘comfort level’ of banks to lend money for the purchase of a unit in a strata-titled retirement village and as a general rule, will not entertain it.
However - despite the above - some banks may consider loaning a modest proportion of the purchase money in some circumstances in exchange for a mortgage - but as indicated above, this is very rare.
As those who purchase a unit with a different type of tenure (loan/lease,loan/licence etc) do not own the title to the land - it is not possible for them to take out a mortgage with the land title as security.
Volunteering overseas
Q.Barbara
I want to do volunteer work while in India. Can you help me with any contact details you may have through any church/volunteer associations please?
A.Volunteering while travelling overseas is a great way to get a real flavour for the country you are visiting and gives something to those who need it most. We suggest getting in touch with Australian Volunteers International who can give you the most up-to-date and correct information. You can access their website by clicking on the link below.
Seniors Card
Q.Avril
I am about to reach my majority! Please could you tell me how I go about getting a seniors card etc?
A.Seniors Cards are issued to those aged 60 and over, not wworking full time and who meet the residency requirements. They are issued by state offices, details of which can be found by clicking the link below.
Lost Seniors Card
Q.Warren
Recently I have not been able to locate my Seniors Card, and it would be most appreciated if a replacement could be sent to me.
A.To report your Seniors Card lost, you must contact the office in the state in which you reside, and therefore your card was issued. You can access this information by clicking the link below.
Getting ready for retirement
Q.James
Thanks for your latest edition of ‘YOURLifeChoices’. I have found it really helpful, especially the quiz about retirement planning. I am 68 years old and have decided to fully retire and thought I had some plans in place, but am finding it difficult to begin to live the retirement life. I keep thinking about work and the money I had coming in and the people I worked with and the sense of meaning gained from work. It is hard to give it up. Is there anywhere you can go to help talk about some of the difficulties and to plan what one is going to do with their life? Is a Life Coach someone who could help or a Psychologist or Psychiatrist or maybe someone else?
A.When many of us are faced with a change in our lifestyle we can find it a little daunting and having someone to talk to is always useful. I would suggest your first point of contact is your GP, who can talk through your options with you and may, under the Government’s Mental Health Plan, be able to refer you to a Psychologist. This is covered under the Medicare Benefits Scheme and should be at little or no cost depending on your circumstances. We also have details of some pre-retirement courses which may help and again, are at little or no cost. If you get in touch with us and advise the area and state you live in, we’ll source some information for you.
Photo ID
Q.Gail
I receive the YOURLifeChoices newsletter and I was reading in the recent letter that you can get Photo Identification if you do not possess a drivers licence. Could you please give me of details of places in Western Australia that I can get one?
A.The Department of Planning and Infrastructure in Western Australia currently issues “proof of age” cards, which can be used in lieu of a driving licence when asked to provide photo ID. You can find out the requirements, process for obtaining such a cards, as well as where they are issued by clicking on the link below.
Budget gardening
One of the best ways to save money and keep fit is to grow your own vegetables and plants. Our gardening expert Teena answers two questions received on this very subject.
Q.Paul
I’d love to grow my own vegetables to cut down on my grocery bill but find it expensive to get started and imagine it to be difficult due to the current water restrictions. Are there any tips you can give me to getting started cheaply?
A. Besides benefiting the household budget, growing vegetables at home is rewarding, good fun and ideal way of ensuring vegetables consumed are grown organically, or without chemicals.
Grow vegetables quickly for the best flavour. Nutrient rich soil is best. Before planting incorporate plenty of compost produced from your compost bin or worm farm. All Organic waste products from the kitchen or garden including vegetable and fruit scraps, egg shells, lawn clippings, etc. can be used to produce valuable compost.
While vegetables are growing apply liquid fertiliser made by making a ‘tea’ mixture from manure or compost, diluted with water.
When harvesting vegetables leave one or two plants to mature and set seed. This can be collected and sown next season. Grow herbs such as basil, parsley and chives, and vegetables such as lettuce, tomatoes and pumpkin.
And finally although watering is difficult, particularly for areas with water restrictions I would collect any clean tap water from the home and use it on the vegetable patch.
Q.Betty
I take great pleasure in spending time in my garden and would love to do more to it but find plants form nurseries cost too much on my income. Any ideas on which plants I can take cuttings from and how to make sure they grow?
A. Propagating plants at home is great fun and brings out your ‘nurturing’ qualities.
Firstly I would visit your local library to get a propagating book. It will describe methods of producing a variety of plants by a range of different propagating methods. Perennials can be multiplied by division. Hydrangeas, pelargoniums and lavenders can be grown by cuttings. Layering is the best method to grow woody plants such as magnolias, camellias and viburnums.
Man out of work
Julie’s looking for advice on how best to help her 50 something partner back into the workforce
Q. Julie
My partner is 52 and has been out of work for years. He has various capabilities, legal and accounting, professional driving etc. He feels he is discriminated against because of his age, particularly as staff in employment agencies are usually very young! How can he get work? Do you have any suggestions?
A. Our HR guru Gary suggests that it may be time for your partner to visit a career counsellor and work out what he wants to do with his remaining work life and how to go about achieving this. A career counsellor will charge between $100 and $150 but this is an investment in your future. Too often recruiters do not “get” what senior applicants have to offer. It is worthwhile learning how best to present your skills and experience to maximise your chance of getting a job. For more details contact the Australian Association of Career Counsellors via their website, www.aacc.org.au.
Walking friends needed
Heidi’s mother is looking for some friends with whom she can go walking and get more active.
Q. Heidi
My mother would love to find a group of women around her age that went out walking that she could join for a bit of exercise and to make new friends. She’s a 58-year-old house wife, so I’m not sure if she is too young yet for help with a Senior matter.
A. Never too young – we assist 30 and 40 year olds as well as the 60+ age group. We would like to suggest that you contact a wonderful man called Alan Waddell who walks the streets of Sydney. He really is an inspiration to all and I’m sure would be able to assist your mother with finding a group of like minded people with whom she can enjoy walks with. We’ve attached a link to his website and hope this helps your mother getting out and about and being more active.
www.walksydneystreets.net/index.htm
Computer Courses
This week we’ve received several questions regarding computer courses and have chosen one to answer here that best represents what people want to know.
Q. Kim
I am trying to find a really basic computer course for my parents, my father has a vague knowledge, he basically plays games on it and mum knows nothing.
We are trying to encourage Dad to get better on the computer so as he can go to Uni and do History. Do you have any suggestions please of a good computer course for them?
A. The best place for both your parents to start would be ASCCA (Australian Seniors Computer Club Association). They run clubs throughout Australia and have courses for the complete novice to those who maybe have a little knowledge.
You can find their details via the link below.
www.yourlifechoices.com.au/index.php/articles/category/ASCCA
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