Cruising and the Age Pension

Will Ruth’s three-month cruise affect her Age Pension?

Cruising and the Age Pension
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Ruth is keen to take a much-deserved cruise, but as she is planning on being away for three months, is worried about how this will affect her Age Pension.

Q. Ruth

I’m thinking of taking the cruise of a lifetime, a world cruise, but somewhere I have read that the Age Pension will be cut if I leave the country for more than six weeks. How can that be? A cruise to USA or Europe always is longer than six weeks and I am saddened to think that oldies are to be punished for finally being able to take a cruise in retirement.

I am worried that a three-month holiday will see my pension cut. That will mean my insurances/bills that are on direct debit will not be paid.

Can you please advise me just what is the true situation re cuts for Age Pensioners.

A. Good on you for finally getting around to taking your much-deserved trip.

You can leave Australia temporarily and your Age Pension will still be paid, but your pension supplement may not, as this is stopped after a six-week absence. You should remain on the same rate of Age Pension for up to 13 weeks, when your rate may change and it may change again after 26 weeks. 

I hope this answers your question but you should clarify your individual circumstances with Centrelink. You will need to advise of your intended absence, should they try to contact you while you are away and there is no response, your pension may be stopped.





    COMMENTS

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    Gra
    11th Nov 2013
    10:26am
    DEFINITELY contact Centrelink - preferably face to face with a Client Services Officer in the office if that is possible. Chances are they may even raise some issues you hadn't even thought of. Enjoy your cruise Ruth.
    Ted
    11th Nov 2013
    10:37am
    Just having got off the voyager of the seas I can tell you that 80% of the passengers were over 80 and many of them had been on the ship for several months. You'll be safe with your pension and enjoy your trip. PS do you need someone to take your bags and help you whilst on the cruise lol.
    Allieannie
    11th Nov 2013
    11:36am
    Wow you can afford a 3 month cruise and still get the Aged Pension??? Wow...
    Misterpeter
    11th Nov 2013
    12:38pm
    Maybe because we have always worked hard and not wasted I am 75 and still working a 12 hour day driving in city traffic so when I can I hope I get a good holiday A large part of my earnings go to pay the Centrelink staff to sit in the aircon and play the computer so they can even take part of the wife's pension for their retirement I have also been informed that the bos could be ripping us off if this is so then Centrelink will also get more as they are in cohute with the bosses
    So beware everyone is out to rip off the aged and we cannot complain as we are shown the door fast
    sexeebear
    11th Nov 2013
    12:45pm
    of course you can cruise and still get the pension.. its just a mater of how much the govt takes off you if you have any money or work.
    its also just a mater if priorities and where you want to spend your money. RSL or cruising...... I manage to put 200 per fortnight away which is just over 5k per year and off I go .. for as far as it will take me and then I come home and start again,, I dont drink smoke eat out preferring to travel,, it really is a choice ... get of your arse and make it!!!!!!!!!!!!!!
    Nan Norma
    11th Nov 2013
    2:39pm
    I think some people are a little jealous of others who have obviously saved their money.
    niemakawa
    12th Nov 2013
    10:22pm
    Why shouldn't a pensioner who has provided a savings plan from their own resources find comfort in taking a cruise?. All people of pension age who have paid verifiable taxes through their working life, should be entitled to a pension regardless of their assets or income. Many just go through life wasting money, having children they cannot afford, having fun as they call it and then expect others to pay for their excesses.
    ray from Bondi
    11th Nov 2013
    12:40pm
    any reasonable person would say why is there a need to reduce the age pension while holidaying, I can understand the power subsidy, but if a person is on an extended trip it should be of no concern to the government, just another excuse to to hammer us oldies.
    sexeebear
    11th Nov 2013
    12:48pm
    I agree ... over my lifetime ive paid in a fortune as in highest rate all the time and gst too. so over half my income to the govt so why do I have to get penalised at all as a pensioner.. I didn't penalise the govt when putting it in so why now im taking it out???? and yes ihave 4 lads also paying full tax ..
    Nan Norma
    11th Nov 2013
    2:47pm
    I'm begining to see why the government came up with the separate supplementary pension instead of it all being part of the pension. It so they would have a excuse to stop some of the pension if you go on holiday. Why? If you went for a three month holiday in another state it doesn't get stopped. You're not paying for power then. So why if you go overseas. You still have to buy medicines etc, and maybe pay more.
    Anonymous
    11th Nov 2013
    3:36pm
    if you can afford to go on cruises and have a good time while on the pension, then you're obviously paid too much !!
    from the nanny state
    12th Nov 2013
    8:20am
    I agree Ray.... when you have worked all your life paying taxes to the greedy govt. one should be able to not worry so much about one little holiday. The people who run that govt. certainly don't have to worry on their retirement money with all their extras. When are Australian pensioners going to get a fair go? It's disgusting. I certainly hope this Australian pensioner has a wonderful holiday of a lifetime. She deserves it.
    Princess Mary
    11th Nov 2013
    6:39pm
    I think it is wonderful that a person who has been working so hard all their lives, and still working by the sound of it, and who is eligible for the pension, should be able to spend their savings the way they want. I don't understand why it matters if someone is living in Australia or overseas for a period of time, and they have their pension reduced. I was born in Scotland and would love to do a home exchange in my home town, and perhaps spend 6 months there in the warmer months, but if it would affect my pension, then it would be a concern.
    Kazza
    11th Nov 2013
    7:35pm
    It's the Aged Pension, not Newstart! Does it really matter if Ruth has left the country to spend her hard earned cash on a nice holiday. I sense sour grapes.
    Barbara Mathieson
    12th Nov 2013
    10:26am
    Go for it Ruth ! Enjoy!
    Pyotr
    13th Nov 2013
    4:31pm
    Worth noting: I was overseas for a little over a fortnight earlier this year and notified Centrelink before I left. They sent me a letter outlining all my responsibilities etc., and one sentence stood out: "You don't have to notify us on your return". After I had been back a few weeks, I noticed my pension was slowly diminishing. I contacted Centrelink and was told by a very helpful lady: "Looks like the link from Immigration didn't take". So, tell 'em when you leave and tell 'em when you're back and in the meantime. enjoy!
    ray from Bondi
    13th Nov 2013
    8:46pm
    I still do not understand just why the pension is reduced, it is not right.
    ona
    29th Apr 2015
    9:17am
    ruth injoy
    ona
    29th Apr 2015
    9:17am
    ruth injoy
    Gypsyfeet
    2nd Jan 2016
    6:51pm
    Many seniors with dual citizenship are going back to their country of origin for much needed medical treatment because they can't get it here. Now we have more operations/treatments being taken off the Medicare list. I have just paid $909 for spectacles because of the nature of the script, I have been taken off the 'Special needs' dental service list after 14yrs with a autoimmune disease & cardiac condition, osteoporosis of the gum bone. Waited 14 yrs tossed between 4 hospitals for hip replacements, been waiting since 2011 just for an appointment to see a neurosurgeon for my spine, We are now as worse off as animals who cannot be treated because of cost without insurance. Animals get put out of their misery. They will be putting us down next when we get too expensive to treat. Once you retire, you no longer hear citizens using the term 'Lucky Country' For a $1600 return airfare we could get all these thing done free. This is what has become of Australia turning us into the US, what the hell have they got to be proud of!


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