Reapplying for the Age Pension

Ready to reapply for the Age Pension after losing your entitlements? Here’s how.

How to reapply for the Age Pension

At the beginning of last year, more than 300,000 Australians lost Age Pension entitlements when the assets test was tightened.

Prior to December 2016, the taper rate was more generous, reducing entitlements by just $1.50 per $1000 of assets over the threshold. The rate was doubled the following month, and now seniors can expect to lose $3 per $1000 worth of assets over the Age Pension cut-off.

Centrelink assets test limits for full and part Age Pensions were adjusted on 1 July 2018 to allow more seniors to become eligible for payouts. The new thresholds are as follows:

Centrelink asset test limits for full Age Pensions from 1 July 2018

Situation Homeowners Non-homeowners
Single $258,500 $465,500
Couple (combined) $387,500 $594,500
Illness separated (couple combined) $387,500 $594,500

Centrelink asset test limits for part Age Pensions – effective from 1 July 2018

Situation Homeowners Non-homeowners
Single $561,250 $768,250
Couple (combined) $844,000 $1,051,000
Illness separated (couple combined) $993,000 $1,200,000

Many older Australians have made adjustments to their assets in order to again qualify for an Age Pension payment. However, it is important to understand your entitlements will not be automatically restored if your holdings change … you have to notify Centrelink to begin the assessment process all over.

Finance expert Noel Whittaker reports that the easiest way to reapply is by using your Centrelink online account through myGov.

“In most circumstances, the majority of details from your previous claim will be pre-filled for you to make reapplying for age pension more streamlined,” he said.

“You will need to make sure all your details are up to date, including updating your financial circumstances if they have changed since your previous claim. You may also need to provide verification of your current circumstances.”

If you believe your financial circumstances have changed so that your assets are now under the thresholds and you wish to reapply for the Centrelink payment, here is what to do, according to the Department of Human Services general manager Hank Jongen:

The Age Pension will not automatically be reinstated. Those who lost their eligibility for the Age Pension due to the income and assets test changes that came into effect on 1 January 2017, must reapply if their financial circumstances have since changed.

The Department of Human Services has made a range of improvements on the process of claiming an Age Pension.

The new online channel makes it easier for people to apply, and individuals registered with Centrelink can submit their entire application online without the need to visit a service centre.

People can also save the progress of their application while online and log back in to finish it at a later time. This feature is handy for applicants who perhaps need to gather more information or documentation to assist with their claim.

If a person was previously a Centrelink payment recipient, the system will automatically fill in their personal and financial details on the Age Pension claim. Applicants just need to confirm or update the pre-populated information already provided.

Once submitted, applicants can check the status of their claim online at any time using the Claim Tracker.

Applying through the online claiming channel is faster and more efficient, as it ensures all necessary information is submitted at the time of lodgement. However, staff will be available to support people as they complete their claims, whether over the phone or in person at a service centre.

Paper forms are also available to those who need them and can be downloaded from The Department of Human Services, or by calling the Older Australians line on 132 300 and requesting a copy.

Do you think your circumstances have changed sufficiently that you may be eligible for Age Pension payments? Have you tried to reapply for entitlements … and if so, what was your experience?


    Disclaimer: All content on YourLifeChoices website is of a general nature and has been prepared without taking into account your objectives, financial situation or needs. It has been prepared with due care but no guarantees are provided for the ongoing accuracy or relevance. Before making a decision based on this information, you should consider its appropriateness in regard to your own circumstances. You should seek professional advice from a financial planner, lawyer or tax agent in relation to any aspects that affect your financial and legal circumstances.


    To make a comment, please register or login
    5th Sep 2018
    It is time for all of us (that means you) to rant at our MPs and Senators daily to take action for human decency and a huge stress reduction for pensioners

    A pension is not welfare.

    Most economist say we will save taxpayers money by dropping asset testing because of the massive overheads cost in running Centrelink and the 10,000 conflicting rules.

    Hiring more Centrelink staff will only increase taxpayer’s costs for processing the creeping insane red tape monster system politicians and well paid bureaucrats have created.

    Help scrap it now. Become a hero.

    Even poorer New Zealand has a NO ASSET pension so it is cheaper and user friendly.

    Why worry that few million$ earners get it too. That is peanuts to them, not enough for a good vintage champagne.

    Do retired and retiring people really look forward and want 100++ visits to/from Centrelink and be part of 3 million waiting queues and lost calls?

    Does your MP really like being part of the system that allows this indirect abuse of the elderly?

    This abuse is actually sponsored by our government and forced down to Centrelink and borders on a criminal act.

    Why do MPs normally compassionate persons let this Centrelink abuse happen at taxpayers’ expense?

    Some opposition and independent MPs stand to lose their chance at being part of the needed government changes

    We all (that means you) need to tell our MP and senators every day that these criminal asset tests for a pension must be dropped now.


    Please help yourself and others today and every day, pass this demand on to all government, opposition and independent MPs and senators who could help us to get a fair deal on pensions

    Len Spyker
    5th Sep 2018
    please stop
    5th Sep 2018
    Haemorrhiods still playing up Gray Computing ? Must be surely - you've become a pain in the arse for the rest of us. Surprise yourself, and us, try posting something interesting.

    Although I've yet to apply, we've had a tentative interview with a department Financial Officer whom we found to be exceedingly helpful, proffering pertinent advise and offering further assistance should we feel the need. Having already registered on the myGov site will help expedite the application when the time is right.
    20th Jan 2019
    I will be moving to the Philippines if the tax credit ban is made law.
    23rd Apr 2019
    If you are going to get any type of job whilst on the aged pension - a word of warning. Do NOT get a job that leaves you with NO part pension! Always try and have some small part pension coming in. A close friend of mine was on the aged pension - then got a well paid job contract for 8 months. She did realise she would not get any pension whilst she did the job. BUT - it was the re-applying that was a nightmare. It took nearly 8 MONTHS - and all they told her was 'to use your super'. That is NOT what her super was for! She had very little super any way. Yes she eventually got a lump sum back payment, but she cannot put that in to her super. This is grossly wrong, and more so their attitude of 'really don't care'.

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