Pension eligibility

To be eligible for the Age Pension you must meet certain criteria which is assessed by the Department of Human Services. This includes:

Qualification age

The current qualification age for the Age Pension is 65 years of age for men and women. From 1 July 2017, this will increase by six month every two years, until it reaches 67 by 1 July 2023. To calculate when you will be eligible to claim for an Age Pension, view the table below:

Date of Birth

Qualifying age at

1 July 1952 to 31 December 1953

65 years and 6 months

1 January 1954 to 30 June 1955

66 years

1 July 1955 to 31 December 1956

66 years and 6 months

From 1 January 1957

67 years


Residency requirements

When claiming the Age Pension, you must be resident in the country and must have lived in Australia as a citizen for a continuous period of 10 years, or for several periods which total over 10 years and include a continuous period of five years in total. There are certain exemptions and you can find out more at HumanServices.gov.au

Income test

Any income you earn will be subject to the income test to assess whether or not you will be granted an Age Pension. Currently you can earn $164 per fortnight for singles before your Age Pension is affected. If you chose to work past Age Pension age, the Work Bonus will be applied and $250 of income from wages will be excluded from assessment.

Asset test

Your claim for an Age Pension will also be subject to an asset test and should you exceed the asset disqualification limit, you will not receive an Age Pension. There are certain exemptions from the asset test, such as your main residence if owned. The current asset disqualification limits for a single, full Age Pension applicant are $250,000 for a homeowner and $450,000 for a non-homeowner.

Age Pension Guide: Download Our Free Retirement and Pension eBook

Working out your financial position is the first step to deciding whether or not you can consider retirement. YourLifeChoices Age Pension guide will provide you with the necessary information you need to get your retirement underway.

You can find out more about Age Pension eligibility by viewing our articles below.

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