Age Pension: does the two-year residency rule apply?

Will Albert lose his Age Pension when he returns overseas?

Older man worried about losing his pension

Albert is keen to head back to Australia to see his grandchildren but has been told that he will lose his Age Pension if he then returns overseas. Surely this can't be fair?

Q. Albert
I live overseas, having moved for financial reasons when I retired four years ago at age 67. I receive a full, single Age Pension – of course there are no extras.  I have to pay for my own medical and medication costs but it’s still far cheaper to live here than in the country I love, which is Australia.

I am told if I come back to Australia for more than six weeks and then return overseas, I will lose my Age Pension. Is it true that I have to actually remain in Australia for two years before I can again depart to live permanently overseas? If so, how can this be fair?  I worked all my life from age 15 and see an Age Pension as it was originally designed and as our politicians enjoy, i.e. an entitlement.

I am planning a trip back home to Australia to spend time with my grandkids so I need to know exactly what I can and cannot do.

A. We’re not sure who gave you the information but it’s incorrect.

The two-year residence only applies to those who return to Australia to make a claim for the Age Pension. They must then remain in the country for two years or they will have their Age Pension stopped when they leave.

You will be able to come back to Australia and spend some time with your grandchildren, who I’m sure will be delighted to see you, without your Age Pension being affected.

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    COMMENTS

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    MICK
    31st Jul 2017
    10:25am
    I guess people have to decide whether they are Australians or not. Whilst I can sort of understand the belief that citizens who retire overseas want their pension I am not all that sure this is fair as we are either Australians or we are not.
    I'm sure that point of view will bring out the knives but I am commenting on what I perceive to be double standards.
    Anonymous
    31st Jul 2017
    11:14am
    MICK, not a knife thrust, just an observation. Albert is a single man and could well have found everlasting love in another country but the love of his life cannot get a visa to enter Australia. Would you deny Albert his happiness? He is not giving up his citizenship.
    MICK
    31st Jul 2017
    12:08pm
    See your point and fair comment.
    AussieTuca
    31st Jul 2017
    12:28pm
    Mick, I don't think it is a matter of being an Australian or not nor loyal to this country nor double standards. Your assumptions are incorrect. One, like me, works for 40 years or more in here and one is entitled to an Age Pension. Working all those years one paid the due taxes and have the right to the pension and is entitled to do with it whatever one wants.

    Not a fair comment at all...
    MICK
    31st Jul 2017
    1:05pm
    There's that word 'entitlement' again. Seems to be what is going around the heads of every other citizen these days.
    I would think it pertinent to only pay pensions to people who live in Australia. Just imagine if every foreign born Australian went back to their country of origin. That would end this nonsense immediately.
    Pensions need to be paid to RESIDENTS only as this is what helps the LOCAL economy. Departure for maybe 10 weeks a year ok.

    Sorry if that does not fit with your situation but we should all be supporting our own economy, not that of other countries. The issue of working here and paying taxes has nothing to do with this issue. If you think so then please explain our universal pension as Australians were once taxed for this purpose and it was rolled into consolidated revenue and now the pension is means tested so that it can be denied t people who are doing ok but who are in no way rich.
    TREBOR
    31st Jul 2017
    4:02pm
    Do politicians etc lose their pension if they move overseas... another government handout after all and heavily subsidised by the long-suffering public.....???
    TREBOR
    31st Jul 2017
    4:03pm
    They are Australian citizens, Mick - resident or not.....
    HKW
    31st Jul 2017
    4:55pm
    Aussie Tuca, you are SPOT ON !!!
    MICK
    31st Jul 2017
    5:02pm
    Who should be getting the pension IN AUSTRALIA Trebor. The belief that we should be paying pensions to ex pats is the rhetoric of those who 'choose' to live in another country.
    I do not believe that pensions should not be portable. You either live in this country or live in another country and become a part of the fabric of that country. Should not have it both ways! Sorry.
    TREBOR
    1st Aug 2017
    4:19am
    Yeee-usssh- but then there are entitlements and Entitlements - politician perks are an entitlement and thus are malleable according to the going rate etc, Pensions etc are an Entitlement full and sacred, bought and paid for.

    There's your difference....

    We pay ex-pats Pension because they've contributed to the pot and they retain their Australian citizenship.. ask anyone in Earl's Court if they are a Pom or an Aussie...

    (ask anyone in Bankistan if they are a Muslim or an Aussie... guess what).... just saying...
    Anonymous
    1st Aug 2017
    6:33am
    So those who go and live overseas to achieve a better living standard in their later years SHOULD get a pension, but those who go without comforts to save so they can have a better lifestyle in old age SHOULDN'T get a pension. Something seriously unfair there.
    TREBOR
    1st Aug 2017
    5:59pm
    You're always welcome to move to Offshoria, Rainey - you wouldn't lose a cent by doing so if you have an income strand all worked out ... so why would you persecute the pensioner who does the same?
    Anonymous
    3rd Aug 2017
    4:44am
    I'm not persecuting anyone, Trebor. I'm merely saying that it's seriously unfair to favour one method of enhancing one's retirement living standards over another. If a part-pensioner living in Australia is to be deprived of an improved living standard as punishment for saving, why is it fair to let a full pensioner take their income off shore and improve their living standard? It's the double-standard I oppose.

    Personally, I think every Australian who worked and paid taxes for several decades should receive the full pension regardless of where they live. Having paid their dues, they are entitled to their reward. We don't tell rich superannuants that their money isn't their unless they meet this rule about how much they can have and that rule about where they can live and yet another rule about how much they can give to their needy children or grandchildren. Why should those who paid into a different retirement funding system, in accordance with the rule of the day, be bullied and deprived?
    Therese
    31st Jul 2017
    11:21am
    Dear Mick, this problem is not unique to Australia. I came as a 23 old to Australia from Switzerland and now I am 69. I worked all those years here in Australia and paid tax. When I retired I was told by Centrelink I must apply first the pension from Switzerland. I have worked in total as a junior 3 years in Switzerland. I get now mustic 158 Swiss Francs per month. Why should the Swiss people have to pay me a pension when I have not contributed to the Swiss economic all those years. It was Keating who introduced this International Tax Agreement. Very few Australian people have any ideas how pensions realy work. How do you think what the view is of a Swiss person. It unfortunately works both ways.
    Thai Traveller
    31st Jul 2017
    11:53am
    There are many reasons why those of us on the age pension choose to live overseas in their retirement.
    One can live near the sea without paying a fortune for rental, or further north where it's cooler in Thailand, afford to go to see a film in a top quality theatre for $4.00, eat out with a beer for $5.00, rent an apartment with pool and security for a reasonable amount.
    Yes, we can collect our pensions after a lifetime of working in Australia; it's minus rent support, and a few other add-ons; we pay for every doctor's visit, buy our own medication, pay for the dentist (1/3 of Aussie costs), pay for surgery.
    It's up to the individual; we lose some, we gain some, and we collect the pension every month, the same as every other pensioner does in Oz.
    MICK
    31st Jul 2017
    12:12pm
    Swings and roundabouts TT. The only thing I would add is that money spent IN AUSTRALIA helps the local economy. If everybody did what you did then the system would collapse.
    Good luck to you. Whilst we travel a lot we do call Australia home. The only thing which will change that is a pending dictatorship (thing Turkey) and then we'll be gone. We all have to be careful who we vote for......and at the least I thank God that Herr Abbott is gone.
    jackie
    31st Jul 2017
    12:15pm
    Thai Traveller...A friend of mine has been living there for over 10 years and will never return here to live. He says Australians are being ripped off by their government.
    micko
    31st Jul 2017
    12:34pm
    Mick...I doubt all pensioners are moving overseas and threatening to bring the financial system to its knees.
    And last time I looked Australia was no longer a penal colony, meaning we have freedom to move overseas after spending 40/50 years working and paying taxes? A pension goes a lot further in SE Asia. Would you deny some poor pensioner a right to some happiness in their twilight years? Why just sit around paying enormous energy bills, petrol and food costs till you eventually fall off the perch?
    A bit of empathy please.
    MICK
    31st Jul 2017
    1:08pm
    You are missing the point. Read my last response to first post.
    It sounds to me like self interest is being put ahead of the national interest. Special rules might be fine for those who have used the current rules but that is the fault of politicians who cannot normally see past the ends of their noses.
    micko
    31st Jul 2017
    10:24pm
    Still haven't convinced me. I know plenty of ex-pats and they all have contributed to Australia in some way. Some are ex military, some ran businesses, some were teachers, some raised families, their children continuing to contribute. Great that they can now enjoy their retirement, wherever they choose, after years of grinding away. And no argument will convince me otherwise.
    Charlie
    31st Jul 2017
    12:09pm
    How do they fiqure out the dollar exchange rate for Australians wanting to live overseas. In some countries the Australian dollar would buy better accommodation than in Australia, in other countries it would buy less. This is why its a real can of worms trying to compensate people living overseas for a benefit that was designed for Australian economic conditions.
    nettiser
    31st Jul 2017
    12:19pm
    You think the pension caters for the economic conditions if this country? Dream on We are well below the poverty line compared to politicians on pensions
    niemakawa
    1st Aug 2017
    2:21am
    Anyone that decides to live outside of Australia takes the exchange risk themselves. Payment can be made by Centrelink in AUD or to a nominated account in local currency in which the person resides.
    niemakawa
    1st Aug 2017
    2:21am
    Anyone that decides to live outside of Australia takes the exchange risk themselves. Payment can be made by Centrelink in AUD or to a nominated account in local currency in which the person resides.
    niemakawa
    1st Aug 2017
    2:21am
    Anyone that decides to live outside of Australia takes the exchange risk themselves. Payment can be made by Centrelink in AUD or to a nominated account in local currency in which the person resides.
    niemakawa
    1st Aug 2017
    2:21am
    Anyone that decides to live outside of Australia takes the exchange risk themselves. Payment can be made by Centrelink in AUD or to a nominated account in local currency in which the person resides.
    jackie
    31st Jul 2017
    12:12pm
    Australia has become a very expensive country to live in and I can see why those on low incomes are wanting to move overseas. This country is not the same Australia it used to be, it's Australasia.
    MICK
    31st Jul 2017
    1:11pm
    Agree.....and apparently there is nil inflation (ha, ha,ha). Also wage and salary earners are denied wage increases and are being driven into part time work so that the workforce is turned into dependent slaves....for the top end of society to plunder.
    Australia has indeed become both an expensive place to live and one where the divide between the top and bottom has been accelerating for a number of years. Where we are heading is a function of who is currently running the country and who these governments are controlled by.
    Anonymous
    31st Jul 2017
    2:16pm
    MICK, you have swallowed the unions' lie that wage and salary earners are being denied a wage rise. Fair Work Australia granted a 3.3% rise of the basic wage to take effect last 1st July. Sure it can be argued that inflation has overtaken this rise but the fact remains that there are age rises.

    Those who have not had a wage rise in the past three years are those who have signed an EBA which cannot be altered by the FWA decision. It's also a lie that unions are spreading that 700,000 workers will lose their penalty rates. The actual figure of those affected is about 100,000 and they will only lose a fraction of their penalty rates, not all of them. The other 600,000 odd are working under an EBA which, in some cases, have reduced penalty rates.
    MICK
    31st Jul 2017
    9:17pm
    The ABS has verified that the top is accelerating and wage and salary workers are stuck in first gear. Why else do you think that increases in prices is hurting so much.
    The 3.3% wage rise was limited to the minimum wage. How does that help the other millions of wage and salary earners? And let's not forget the normal business lobby response of 'we'll be ruined'. Here's a quote from one of the tabloids:

    "Employers have slammed the decision as “devastating”, warning the increase would significantly impede employment growth."

    When does it ever change.

    You seem to have it in for the union movement OM. Without unions workers of any colour would be the slaves that the top demands. This is my issue and your man Malcolm is leading the Party put in power to bring this about.

    You need to be fair in your comments OM. Nobody who looks at both sides objectively could agree with your comment as it avoids real scrutiny of the culprits.
    TREBOR
    1st Aug 2017
    4:21am
    El Grande Republica Da San Austrador, aka Austrochine....

    (one of my developing books, if I ever get the time again - is titled Austrochine)....
    Andy
    31st Jul 2017
    1:20pm
    sorry Mick you just one of those stuck in the mud people too scared to walk out your front door
    MICK
    31st Jul 2017
    9:18pm
    I have the guts to tell it like it is. Never seen you here before Andy. who owns you?
    Andy
    31st Jul 2017
    1:20pm
    sorry Mick you just one of those stuck in the mud people too scared to walk out your front door
    inextratime
    31st Jul 2017
    1:46pm
    Ok for every argument there's an opposite argument. So the money paid to someone living overseas does not get spent in Australia. OK so what about all the expat poms who get a pension from the UK but spend their money in Australia. A pension which is not means tested and paid dependant on how much was paid into the National Health Scheme when they worled there. So has anyone totted up how many Aus pensioners live overseas against how many expat brits live here and the difference in overall pension paid.. I doubt it so a bit of a flawed argument all round imho.
    cupoftea
    31st Jul 2017
    4:48pm
    inex i worked in the uk for ten years so i will get part pension of them
    what i get of them i believe will be taken of what i get if anything of the australian goverment after forty years work here i will take whati can and nobody is going to dictate to me where i live
    cupoftea
    31st Jul 2017
    4:48pm
    inex i worked in the uk for ten years so i will get part pension of them
    what i get of them i believe will be taken of what i get if anything of the australian goverment after forty years work here i will take whati can and nobody is going to dictate to me where i live
    Joy Anne
    31st Jul 2017
    2:03pm
    The whole laws about losing pension with this Turnbull govt is disgraceful. People from the UK live here and still get the UK pension and don't have to worry. The Politian's get their pension regardless living overseas or not.
    niemakawa
    1st Aug 2017
    2:16am
    I would be happy to pay their pensions as long as they move overseas, never to return.
    niemakawa
    1st Aug 2017
    2:47am
    I am referring to the politicians of course.
    floss
    31st Jul 2017
    2:14pm
    I once thought I could never leave Australia but now after becoming a self funded retiree and the way we have been treated over the last 2 years it may be the way to go. perhaps swooping one third world for another.
    niemakawa
    1st Aug 2017
    2:48am
    Yes the Government is swooping and heading for your bank account and assets.
    bartpcb
    31st Jul 2017
    2:34pm
    Most of the people here seem to be under the impression that the Age Pension is some sort of gift, gratuity, charity, from the government!!! It most certainly is NOT. Historically taxes were put UP by a given percentage to finance 'the pension'. The 'Pension box' was NOT to be used for any other purpose. It grew so big it became to attractive for governments not to dip into it to help them get out of their economic incompetence, so they put the 'untouchable funds' into 'General revenue' and used it as they felt the need. The Aged Pension is OUR money, not charity. If someone has worked here for 40 odd years or more the Aged Pension is THEIR money and they are entitled to it regardless of where they choose to live when they retire.
    Old Geezer
    31st Jul 2017
    4:19pm
    Nope OAP is welfare nothing more so get used to it!
    TREBOR
    1st Aug 2017
    4:22am
    *ignored*
    Anonymous
    1st Aug 2017
    6:39am
    Absolultely correct, bartpcb. We are being ROBBED. But goodness, the money has to come from somewhere to keep giving to the well-to-do! All those tax cuts and obscenely generous concessions to fat cats who rorted the system for years to build their wealth, then claim to get nothing and whinge constantly and demand MORE MORE MORE. It has to come from somewhere, and the strugglers are fair game.
    Suze
    2nd Aug 2017
    2:05pm
    Sadly it is the Labor party that emptied the Pension Fund which they called hollow logs

    Given half the chance the Labor Party would also empty out the Superannuation Fund.

    Interesting that the Politician's Fund is secure.
    floss
    31st Jul 2017
    3:16pm
    It is strange Mick how some people like to attack low paid Union members but are silent about the salary of Bank C.E.O.s any where between 10 or 15 million annually ,as soon as they post their comments they loose all credibility with me, perhaps they feel they must defend their way of life.
    KB
    31st Jul 2017
    3:59pm
    Age pension should be for people living in Australia.I understand that Albert moved overseas for financial reasons. Age pension is designed for pensioners with living costs in Australia.It should only be paid while retirees are on holidays overseas for a short period of time. If people want to leave the country for financial reasons then people should not expect the pension.
    Dave R
    31st Jul 2017
    4:33pm
    Utter crap. The age pension is for everyone over the retirement age and should also be universal, not means tested.
    Other countries pay the pension to their citizens who retire in Australia and in fact there is a net inflow of money because of that.
    Some of you shoot yourselves in the foot with your posts that the pension should only be paid if resident here because if we did that other counties would probably retaliate and Australia would be the loser economically.
    Dave R
    31st Jul 2017
    4:33pm
    Utter crap. The age pension is for everyone over the retirement age and should also be universal, not means tested.
    Other countries pay the pension to their citizens who retire in Australia and in fact there is a net inflow of money because of that.
    Some of you shoot yourselves in the foot with your posts that the pension should only be paid if resident here because if we did that other counties would probably retaliate and Australia would be the loser economically.
    niemakawa
    1st Aug 2017
    2:23am
    Dave R, you are correct.
    TREBOR
    1st Aug 2017
    6:01pm
    Fine and good, Dave R - you get a pension and pay income tax at the going scale for all income, benefits and deemed fringe benefits over and above that.
    Anonymous
    3rd Aug 2017
    4:49am
    I agree, Trebor. That's how it should be. But equally, the tax system needs reform to eliminate all the rorts and dodges for the wealthy - both during their working life and in retirement.
    Aussie
    31st Jul 2017
    4:15pm
    I think you all forgeting that if we live overseas we are actually saving over $4, 000 dollar a year .....we only get the basic pension ..... is not a question if you are Australian or not ...do not be ridiculous just think if you have a full pension + rental assistance .....can you live in AU the same u can live Overseas ??????.
    Please think and do the numbers I will publish a list of all gov. Savings so you are informed ....WE ARE SAVING THE GOV. LOT'S OF MONEY BY LIVING OVERSEAS.... I will prove that in my next comment
    saintagnes
    31st Jul 2017
    4:26pm
    In my personal opinion you should have to reside in the country which is paying you the pension. It is not an entitlement but a wlefare payment to those who are not self sufficient. And yes I am a pensioner
    Old Geezer
    31st Jul 2017
    5:11pm
    Agree if you want to live overseas then collect the pension in that country instead.
    Aussie
    31st Jul 2017
    5:42pm
    I give up with you guys .... How a person can live a reasonable live with 1,020 dollars a fortnight ??? Please give me a detail account how can you do that with just your pension and I promise I shut up .... and do not insult me please just be proactive and help us and consider that you are renting and do not have a property to sell and downsize or super account so please tell me how ....

    And OG not all countries have pension arrangements so will be imposible to collect any pension from some countries.

    Saintagnes ... Just a simple questions I ask you ... Do you own your home ??? Do you have super account with some money ??? ... if you do please think again and assume you do not have a home and no super .... can you live in AU the same way you live now ?????
    andy mack
    31st Jul 2017
    5:49pm
    Isn't it curious that so many contributors to this argument Mick, Old Geezer and their ilk, fail to understand concept of citizenship versus residency. And that a person can be a citizen of Australia by birth, naturalisation, descent or acquisition. Why would anyone seek to deprive an Australian citizen of their entitlement to an age pension because they choose to live overseas - for whatever personal reason or whatever period.
    Has none of you self confessed ignoramuses heard of a reciprocal agreement entered into by the Australian government for the payment of pensions to citizens of participant nations living abroad?
    The kind of agreement we have entered into with the UK, Malta, Italy and Greece - - - to name a few?
    You forget the enormous debt Australia owes to the citizens of those countries, and to Ireland, the former Yugoslavia, Lebanon, Turkey etc, etc and begrudge the payment of a demonstrably inadequate age pension to those who choose to return to the country of their birth to retire. This is a debt which arose soon after the end of World War II - a time when Australia became an energised economy focused on infrastructure and industrialisation. (Tell me please, what evidence of industrialisation and economic independence do we find in the egocentric and complacent nation this is Australia today?)
    The sooner you superannuated fossils realise that Australians are citizens of the world the better - and at the same time why not endeavour to focus on the big issues - of which there are many.
    Old Geezer
    31st Jul 2017
    6:10pm
    ...and you forget not a penny they spend helps our economy. So why should we pay for someone to support another economy. If no pension in that country then too bad as you chose to live there.
    Aussie
    31st Jul 2017
    6:54pm
    I have collected all this information from Centrelink site and some news reports - I suggest you all think about this PATRIOTIC way some pensioners doing or are about to do by leaving Australia and live Overseas - Please consider this savings (OG Pls. Have a read)
    --------------------------------------------------------------------------------
    Australian Pension savings if you move overseas

    In Australia the full maximum pension payment is $1,020.50 x fortnight or $26,533 dollars a year (26 Fortnights) for single pensioner including Rental assistance of $132.20 x Fortnight

    Base payment 808.30
    Supplement 65.90
    Energy 14.10
    Rental assistance 130.60

    Total Full pension 1,020.50

    Plus we need to include the following payments that the government provide us pensioners

    • Medicare
    • Free Hospitals
    • Doctors (Analysis, X-Rays, and many others cover by Medicare)
    • Special Discounts using Seniors Card
    • Discounted medicines
    • Pension Bonus Scheme (If you still working to reduce you income)
    • Career Allowances
    • Abstudy (If needed for the kids or yourself)
    • A VERY LARGE LIST OF GOVERNMENT FREE COMMUNITY SUPPORT
    • Man Many other free government assistance (Ref below websites)

    https://www.humanservices.gov.au/customer/subjects/payments-older-australians#a6

    https://www.humanservices.gov.au/customer/services/centrelink/carer-allowance

    https://www.humanservices.gov.au/customer/subjects/payments-older-australians

    https://www.humanservices.gov.au/corporate/publications-and-resources/guide-australian-government-payments

    If we live overseas for more than 6 weeks our pension is immediately reduced to $831.30 x Fortnight and that is all we are entitle (No other services, No Medicare, Nothing else just $831.30 x fortnight …. That’s it

    This is what we get if we move overseas (In detail) – Nothing else

    Base payment 808.30
    Supplement 23.00
    Energy 0.00
    Rental assistance 0.00

    Total Full pension 831.30

    In Summary each pensioner living overseas will save the government $4,919.20 x Year plus savings for all other services mentioned above that may count for maybe about $15,000 x Year for each pensioner.

    So realistically we can estimate that each pensioner may save the government a total of $19,919.20 x Year.

    Now, according to the information after the Federal Election news there are about 81,000 pensioners and 6,500 disability supported pensioners living outside Australia.

    With this figures we can estimate that we will save the government $1’742,930,000 Dollars a Year ……. OVER 1.7 BILLON DOLLARS x Year

    ----------------------------------------------------------------------------------

    This is all I will say and I leave this for you to Think as we Australians that live or may live overseas do for the local economy

    So if you think that living in Australia and spending the pension in Australia is good for the economy ..... Think again and do the numbers

    See U
    MICK
    31st Jul 2017
    9:23pm
    You miss the bigger picture andy mack. Australians need to help THEIR country to prosper, not other nations.
    If immigrants to our country want to retire overseas then they sell up and move. Their choice. A portable pension should not be a part of this choice.
    You appear to be living overseas and stimulating another economy. Your choice. Australia owes you no living in that country. Nor does it me. Sorry.
    niemakawa
    1st Aug 2017
    2:28am
    Aussie, also apart from what you mention if a person has not accumulated 35 years of residence in Australia then the payment is paid on a pro-rata basis. so 30 years the person will receive 30/35 of the base pension entitlement.
    niemakawa
    1st Aug 2017
    2:28am
    Aussie, also apart from what you mention if a person has not accumulated 35 years of residence in Australia then the payment is paid on a pro-rata basis. so 30 years the person will receive 30/35 of the base pension entitlement.
    niemakawa
    1st Aug 2017
    2:28am
    Aussie, also apart from what you mention if a person has not accumulated 35 years of residence in Australia then the payment is paid on a pro-rata basis. so 30 years the person will receive 30/35 of the base pension entitlement.
    Aussie
    1st Aug 2017
    3:31am
    Correct niemakawa ...This is a cut and paste from the web.

    After 26 weeks your rate will be based on how long you have lived in Australia as an Australian resident between the age of 16 and age pension age. You will usually need to have lived in Australia as an Australian resident for 35 years to get a full means tested rate of Age Pension after 26 weeks overseas.

    And this is the site for everybody information so we all know exactly what in Hell we talking about and there are no misunderstanding and the patriotic Australians will know the legal options available they like it or not .......

    https://www.humanservices.gov.au/customer/enablers/age-pension-while-travelling-outside-australia

    And this are the rates confirmation here....

    https://www.humanservices.gov.au/customer/enablers/payments-while-outside-australia

    ---------------------------------------------------------------------------

    Is not as easy as the patriotic Aussies will think it is complicated and a lot of justification papers to be able to get the pension overseas ..... so that's it ....I finish now ...all the info is there so is clear and easy to understand .......whatever they call the pension a welfare or entitlement or whatever they call it this are the current approved rules if you want to live overseas.
    chrissie
    31st Jul 2017
    5:20pm
    Mick is right. If we have worked and lived here all our lives and get the pension, fine. For those who retire permanently overseas should not get the full pension, maybe a percentage. Floss, I do not consider Australia to be a third world country as stated by you. I travel a lot fortunately and am not on a pension, and experienced many third world conditions in my paid work. I love Australia and fortunately can afford to live here.
    Aussie
    1st Aug 2017
    4:34am
    Good Luck to you chrissie .... that is good and you have work hard to be able to live here OK but not everybody has been as lucky as you .... probably you have a great job maybe UR Engineer or IT professional able to earn good money overseas .... and of course you will spend it here .... Just read my comments on how much we get every fortnight if we move overseas and compare what you have and what we have ....... maybe something for you to think about it .....
    niemakawa
    1st Aug 2017
    4:46am
    That is your right as it is also the right for people to retire overseas and take their aged pension entitlement, whatever that may be, with them.
    andy mack
    31st Jul 2017
    5:58pm
    Isn't it curious that so many contributors to this argument Mick, Old Geezer and their ilk, fail to understand the concept of citizenship versus residency. And that a person can be a citizen of Australia by birth, naturalisation, descent or acquisition. Why would anyone seek to deprive an Australian citizen of their entitlement to an age pension because they choose to live overseas - for whatever personal reason or whatever period?
    Has none of you self confessed ignoramuses heard of the reciprocal agreements entered into by the Australian government for the payment of pensions to citizens of participant nations living abroad?
    The kind of agreement we have entered into with the UK, Malta, Italy and Greece - - - to name a few?
    You forget the enormous debt Australia owes to the citizens of those countries, and to Ireland, the former Yugoslavia, Lebanon, Turkey etc, etc and begrudge the payment of a demonstrably inadequate age pension to those who choose to return to the country of their birth to retire. This is a debt which arose soon after the end of World War II - a time when Australia became an energised economy focused on infrastructure and industrialisation. (Tell me please, what evidence of industrialisation and economic independence do we find in the egocentric and complacent nation this is Australia today?)
    And if I choose to retire to a country which is not a signatory to that Agreement, Thailand, the Philippines, Panama for example, you clowns would argue that I should forfeit the basic entitlement to the aged pension - such as it is! It's not exactly a Set for Life win now, is it me little darlings?

    The sooner you superannuated fossils realise that Australians are citizens of the world the better - and at the same time why not endeavour to focus on the big issues - of which there are many.
    Anonymous
    31st Jul 2017
    7:40pm
    andy mack you are wasting your breath putting up a sane or well thought out argument to this mob, who's only thought is about their own, me, me and more me self protecting and anti government statements, yet none of these self proclaimed knowalls have got a clue what day it is or what could improve this once great country of ours, just read their comments in these columns and other earlier editions of Y.L.C and even the most biased ones of us are thinking what a lot of losers we now-a-days have in Australia. these same contributors over and over come up with the same garbage to every question asked or put by Y.L.C, spruik
    MICK
    31st Jul 2017
    9:27pm
    Ahhhh....heemsjerk the barbarian! You missed your normal spiel about pink batts and school halls. Must be having a bad day again.
    Any comment you ever make is biased. You never provide any facts which can be corroborated. Funny that.
    If you don't like the flack then post on one of your feel good right wing websites rather than one where we throw around ideas and debate the truth as opposed to political propaganda put out by the party.
    floss
    31st Jul 2017
    6:34pm
    Sorry Chrissie I did jump the gun it will happen and one day we will be a third world country unless we change course.
    MICK
    31st Jul 2017
    9:28pm
    Given the destructive last 2 governments which spend up like drunks at a bottle shop with nothing to show other than tax cuts for the rich mates I agree with you floss. We are heading in that direction.
    niemakawa
    1st Aug 2017
    2:31am
    Australia is sailing without a compass.
    TREBOR
    1st Aug 2017
    4:26am
    Yeee-usssh - but the captains are adept at using icebergs as way points....
    andy mack
    31st Jul 2017
    7:56pm
    Thank you heemskerk99 - unfortunately your comments appear to be all too accurate. What a whingey whiney congregation of self interested pseudo patriots we see flaunting their insecurities like medals before us. You must forgive me for omitting to acknowledge the very great contribution the Dutch have made to Australian society over the past 60 years, and more, as have the immigrants from so many other countries - too numerous to list.
    MICK
    31st Jul 2017
    9:30pm
    andy mack = heemsjerk? Looks like a carbon copy to me.
    Instead of selective BS post something worth reading with facts and meat. You have none.
    Anonymous
    1st Aug 2017
    8:05pm
    the typical comment of our rusted on labor micky boy, would not know what day it was but he/she is so blinded by his believes in the labor ideology that any comments of this labor lap dog should be treated with the contempt it deserves.
    Oldman Roo
    31st Jul 2017
    10:24pm
    All my life long I have believed in freedom of movement and have always been suspicious of countries denying their citizens this basic democratic right . For starters if Australia had a more comparable Pension system to that of most OECD countries , no doubt , a large number of Pensioners would stay here and please those of you who think their money should be spend here . They frequently have worked all their life here and should be able to spend their Pension as they choose .
    There are often a number of reasons for people to retire overseas and I know of a number who returned to their country of origin simply because they were lonely here in old age with no other family members in Australia . Allowing a basic right to live a happy last few years for the elderly should not be dictated by Australia,s third world Standard treatment of part and full Pensioners .
    Aussie
    31st Jul 2017
    10:50pm
    Wowowo mate now we talking and yes UR correct many people move back to their country of origen because they get lonely in AU also because is so expensive to have a decent life here is just ridiculous ....
    niemakawa
    1st Aug 2017
    2:12am
    In your circumstances you will not lose your entitlement to the aged pension. You eaned it.
    Anonymous
    3rd Aug 2017
    4:52am
    Agree, but only SOME who earned it get it. Those who saved well suffer unfair punishment and are not allowed to enjoy the lifestyle they worked hard to achieve, but those who didn't can go abroad to improve their lifestyle and not suffer penalty. Seems a bit unfair to me. Not that I have any issue with a pensioner living abroad. It might come to the point where they ALL have to, or starve! The cost of living is just too high here. I just think it's wrong that savers should be deprived of the lifestyle they worked so hard to achieve.
    niemakawa
    1st Aug 2017
    2:13am
    No
    TREBOR
    1st Aug 2017
    4:15am
    By the same reasoning, Mick - we should be compelling all companies and corporations and individuals to spend all their 'profit' here in Australia....

    Or does that 'global economy' only apply to corporations and companies, rich individuals, and poorer people's jobs which some now describe as a 'commodity', and not to pensioners and social security beneficiaries?
    Aussie
    1st Aug 2017
    4:16am
    It is incredible what is happening in our beautiful country ... we no longer able to live in peace trust and believe in our governments they will do the right thing for us Aussie citizen that vote for them.

    Today we live in fear that our accepted pension rules set up for the purpose of assisting us older people to subsist in our great country in peace and acceptable day to day life.

    Now our governments are totally selfish and self centre just working for there re election ???? Why is that ???? we vote for them to look after us but now we have to look after them ????? they are taking peace by peace all our support, happiness and acceptable day by day peaceable existence ... again I ask why ????? so many changes to super, forcing to sell our homes, reducing our payments like the electricity support and more and more ......

    I receive very small pension from USA and I read the Social Security news every week and I wonder why our Centrelink does not do a similar activities to assist us, help us so we do not have to live in constant stress checking MyGov account every day to be sure there are no changes that may affect my pension from decisions made by our politicians without proper consultation or research of the consequences of making a drastic changes.

    This is the Social security public site ... have a look and you will see what they do for US pensioners and other citizens ...

    https://blog.socialsecurity.gov/three-things-every-family-should-do-when-expecting-a-new-baby/

    Crying Aussie ....Yes we are loosing our beautiful country and becoming another third world country ....soon

    How many times a week you check MyGov to ensure is all Ok ??????? are you getting stress because all this changes ???? Are you worry about your future ?????.

    All this is very stressful for us older people....
    niemakawa
    1st Aug 2017
    4:30am
    Agree with your comments. Stress is killing many of us, literally. The constant barage of insults handed out to pensioners by the Government is frightening and disgusting..
    Anonymous
    1st Aug 2017
    7:11am
    Agree completely. Retirees are living in fear. After decades of contributing to this country, they have no security and are constantly copping insults and abuse and a barrage of lies about ''how easy they had it''. It sure is disgusting.
    LiveItUp
    2nd Aug 2017
    7:40am
    Stress is killing you? Well if that is stress then let's hope you never encounter real stress. Stress is the part of life that keeps us going as without it we are not really living. Remember eelfare is onky there to help you when you have no others way to support yourself so if you are not on full welfare then you are crusing. Many of those working are just one pay check away from bankruptcy which I would find very stressful. Stop worring about things that might happen and get a life.
    Aussie
    2nd Aug 2017
    12:48pm
    My dear Bonny ... Has to be you the one to make this kind of statements .... no question on my mind that people like you do not get near my foot ... sorry to say but people without intelligence and real concern for others are so cold that people do not care for them ... and that will be you ... do not worry I will not answer any insults you are going to send me ... I do not have time for people like you ... so this is the last message from me ...Bye Bye Cold person hope you find some compassion on your life maybe need to go to Church and chat with a priest .....
    Anonymous
    3rd Aug 2017
    4:35am
    Bonny, you, like OG, have a comprehension problem. You need to go back to school and learn to read, dear! I said ''retirees are living in fear'', and ''they have no security''. I didn't say anything about me, personally, nor did I identify anyone else specifically. Retirees ARE living in fear. Vast numbers ARE stressed over not being able to afford essentials and worrying about pension rises that don't anywhere near cover the massive increases in the cost of living, as well as about legislative changes that demolish their plans and raid assets they have worked for decades to acquire.

    ''Welfare'' is there in abundance for the privileged who DON'T need it. Every kind of tax dodge and grant and concession you can name is available to boost their well-being, so it's contemptuous and disrespectful to suggest the poor should only be able to avail themselves when they are desperate.

    Aussie is right. You are a cold, unfeeling, heartless and uncaring individual, with no respect for others. And no intelligence either. Intelligent people not only comprehend what they read, they have empathy and concern for the welfare of others - if only because they know the whole of society suffers when there is too much hardship.
    Aussie
    3rd Aug 2017
    1:53pm
    Rainey At least OG has some compassion and provide some feed back he never insult you directly only sideways he he he he he ...... .......
    OG is acceptable in my book but there are 3 ladies that do not respect anybody and normally provide useless comments without any research, compassion or understanding for others ... of course they are just rubbish as far as I concern and they should shut up before they write useless messages.
    andy mack
    1st Aug 2017
    7:01pm
    I think the information Niekarta and Aussie etc have sourced from the Centrelink website - I will call it the "35 Year Rule" is very interesting - and it demonstrates to me that all too often YourLifeChoices will post a simplistic answer to a seemingly simple question - and not properly investigate all the legal ramifications of the subject at hand.
    LESSON - never take the information YLC gives in answer to a question (even a Dorothy Dixer-type question!) as gospel. Always conduct your own investigations at the SOURCE - be that Centrelink, Immigration and Border Protection or a certified professional.
    Furthermore - never be distracted by the unadulterated bullshit posted by time wasters such as Mick and Old Geezer - who luxuriate in the myth that ignorance is bliss.
    Aussie
    1st Aug 2017
    7:50pm
    Well andy mack ... no worries MICK and OG have fun here MICK started this issue and OG with his opinion is Ok they are contributing for others to pick the shit out of us .... but MICK has a lot of good info from time to time and I always read his comments some are way out but is OK ...

    For me this forum is a learning curve from all the Dick H....s around including ladies and mate they are bad bad bad some of them really hit us hard ..... and of course no research of what they are saying just there personal stupid racist comments to overseas born pensioners so I just ignore them because that kind of ignorance do not reach my foot

    Just have fun and as you say get your own research ... I always refer to my sources so I do not write shit .... of course my writing is not perfect but I think is Ok .....
    Anonymous
    1st Aug 2017
    8:08pm
    aussie, think again!
    Aussie
    1st Aug 2017
    8:12pm
    I just respect other people opinions and try to learn and understand is part of my way to avoid mistakes and people that will waste my time ... unless I can have fun and in this case I do have fun in this forum.

    Hope UR Ok and happy ..... Take care
    LiveItUp
    2nd Aug 2017
    7:48am
    There are many ways of looking at things and doing them. It is fascinating to read comments by those who think outside the square and have seemingly radical ideas but that's how humanity prospered. Open your minds to such people instead of ridiculing them. I do.

    The reason why this country is not good today is the mood of the people. People are not gettong pay rises etc in the current low inflation environment. Believe it or not inflation and pay rises really help an economy prosper as it makes people feel good.
    Smurf
    2nd Aug 2017
    11:35am
    There is another way of looking at this. What about all the people living in Australia from other countries that are collecting an overseas pension. They are spending that pension in Australia, so to my mind it all evens out in the big picture. I also believe the age pension was designed as an entitlement for those who had worked all their lives contributing to the community. It's only modern day thinking that wants to now categorise it as something else because they are finding it hard to find the money to pay us. I've worked for 50 years, unlike some of our politicians that serve a few years and continue to get huge entitlements.
    2BOB
    5th Aug 2017
    5:43pm
    Mick ,you go on about pensioners having to spend there money in Australia and boosting the local economy, have you thought about the benefits off not having them here.
    1 No hand outs do drain to the medical system
    2 No rent assist
    3 No rates assist
    4 No power assist
    the list can go on and on , just think of when we get old and have to go into a nursing home. ME FOR ONE WOULD RATHER BE AT HOME with my wife in Thailand
    Aussie
    5th Aug 2017
    7:48pm
    Mate ..... have a look my comments above where I detail the pension if you are overseas .... is a full detail with links to the source of info from Centrelink.

    You will notice that we will save the government over $4,000 x month and if you calculate the number of current O/S pensioners we will save the Gov over 1.7 BILLION dollar X year ....have a look my comments
    andy mack
    5th Aug 2017
    8:17pm
    What a great forum. You go in to it thinking you know it all - - - and at the end of the day you realise just how little you really know.
    Apologies to Mick and Old Geezer for my harsh words - but basically your ill-informed comments are the catalyst that help us turn straw into gold ! (there I go again!)
    Best wishes to all - where patriots or ex-pats (gee.... is it possible to be both?)
    Lookfar
    22nd Sep 2017
    3:21pm
    Mick and all, the point of spending all your money in Australia is fine, but it means no more buying products from ANY overseas manufactureres, - almost impossible in most Supermarkets or any other big importers/suppliers in Australia, - The thing is to spend money on Australian produced products, - not imported products, and an Australian person overseas, addicted to VB and Vegemite, etc, might spend more on Australian products in Thailand than an ozzie shopping at the Reject shop, etc.
    This is hard core economics, but Australia trades with all countries, is a trading nation, to a lesser or greater degree, all over the world, - we are a trading country, and would suffer hugely if we could not trade, - remember the cow torturing in Indonesia that so disgusted many Ozzies, and rightly, but it would be hard to round up the overseas Ozzies to equal the loss of trade there, - stupid overseas exporters and govt bureaucrats, but blaming the incumbent govt, whatever.

    The biggest overseas import is military equipment, - produces nothing in Australia, (what is produced by an exploding piece of ordinancejust money lost, also local manufacturing capability lost as well, and most of that military blah requiring huge ongoing imports, a big lose lose for Oz.
    There is no difference between a million retirees spending ten thousand dollars / year overseas each, or the govt spending ten billion overseas to import American hardware, or whatever, remembering Australia is a direct competitor to the US, -
    Whatever, it is not whether you spend your money on Australian goods/pensions in Thailand, or Chinese goods, Bunnings, etc. in Oz, the money leaves OZ, end of story.

    This is good stuff to think about, for our future survivsl
    geordie
    10th Oct 2017
    11:36am
    Interesting arguments guys and gals. For my two cents worth. If you need a pension to live reasonably then you should get one. If you have a load saved and don't need it, then maybe a part pension or none at all. On the understanding that you've actually paid taxes in the first place. It would also be interesting to hear from the the people saying you have to spend your money in Oz, how much they spend on overseas holidays a year? Probably more that the poor part pensioners abroad.
    Aussie
    10th Oct 2017
    11:56am
    Yes correct ..... read my financial details I wrote at the top .... to give you an idea how much pensioners overseas save this government.


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