Age Pension residency requirement

Does Jon have to remain in Australia for two years after claiming the pension?

Age Pension residency requirement

Jon is living in the Philippines but is planning to return to Australia to claim an Age Pension. He would like to know if he needs to remain here for two years.

Q. Jon

I have been living away from Australia for the last eight years, but I’m returning in early October. I’m now almost 72, my health is ailing and I’m almost deaf.  It’s not easy to live on pension in Australia and I have a family here in Philippines of whom I have to take care.  As I understand, I have to stay an Australian resident for two years before I can go back to my family in Philippines. This is a great burden on me, for health and financial reasons. Can you advise on any way to help me to return to my family in the Philippines?

A. From what I can gather, you are returning to Australia to claim an Age Pension, which you could have claimed when you were 65, but haven’t.

When you return to Australia, you can submit your claim for an Age Pension. However, once granted, you will have to remain in Australia for two years until you can return to the Philippines.

The only way that this two-year residency period can be waived is if the country in which you choose to reside has an international social security agreement with Australia, which the Philippines does not have. You can view a list of countries which do have agreements by clicking the link below.

International Social Security Agreements.





    COMMENTS

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    dougie
    13th Oct 2014
    10:26am
    If a person chooses to live in another country to achieve some sort of benefit I feel that this is a rort to come back and want the government ie. we people, to fund your lifestyle. If you want to be in another country accept that you should become naturalised and live on the benefits that country provides. If you wish to remain with your family do this or bring them here and live on the pension if it is due. The decision belongs to the individual.
    Jerry
    13th Oct 2014
    10:31am
    Here, Here, also goes for these dual citizenships as well.
    raymondp
    13th Oct 2014
    12:10pm
    My sentiments exactly. Why should we Australians support your Philippines holiday?
    You should have thought about your "old" age a little bit earlier.
    ourjeffie
    13th Oct 2014
    12:20pm
    I agree. It sounds like Jon wants to have his cake and eat it too
    Philhal2
    29th Jan 2016
    2:53am
    I seriously think that the majority of comments here come from welfare recipients or greedy stupid people . I worked and paid taxes for 45 years . Often at more than 53 cents in the $ . I also employed other people for about 1/2 of that time . What did the Australian Government do with my taxes ???? Most of my life I was informed by " the government that these exorbitant axes were to provide for my old age and to support our own aged pensioners of that time period . Bull , they were used to pay dole bludgers and support immigrants . Then they changed their tune and introduced compulsory super . Now we have a nation of non income producers , unemployed and immigrants , so now the Government wants to bone us again and deny any sniff of a decent chance to enjoy life .
    I hope when your turn comes they make you bend over and shaft you as well you foolish people . I suffered a major heart attack 8 years ago , I claimed nothing , but made the choice to sell my assets and see some of the world . It is now pension age and I also expect to be treated as a leper by a bunch of useless non productive cretins who think they have some rights > YOU DON"T , you have not built this country which you now suck dry , and want to feed on the bones of those that did build a great Nation .You have done nothing except perform like leeches , sucking out the lifeblood of a Nation and giving nothing back to it . Show some respect for those who created this great food bowl for you .But ALZHEIMERS led me to forget , you have no respect for anything .
    Jerry
    13th Oct 2014
    10:29am
    Well the next thing will be that Jon will expect the Australian people to pay for his medical cost and funeral as well. If he has already been away from this wonderful country and think things are better there, then stay in the Phillipines.
    Simo
    13th Oct 2014
    10:45am
    i agree you have Not Been paying any taxes to the Australian Government so you should NOT get any AGED Pension you chose to dip the wick in the Philipines so just Stay there and live under their Law, DO NOT even bring your other Family back to Australia and expecvt the Auatralian People to support them as well just stay there for ever ..
    Pass the Ductape
    13th Oct 2014
    1:33pm
    Oh Simo! Such fervour for a true understanding of the way things should be. Great stuff! Tell it like it is my friend.....What a pity those who tend to sit on the greener side of politics don't appear to see things from your perspective. Watch now as we see these jokers come to life. Bloody wankers!
    Sweatshop Greed
    13th Oct 2014
    10:45am
    Why do people always assume that people living overseas do so by choice? There are other circumstances. After being made redundant at 57 years of age, I tried for work in Victoria, and WA, but was unsuccessful. After being in finance all my life, I decided to do a course that would allow me to teach English as a Second Language. I was then able to find employment in Thailand, where I taught until I was 57 years old. I returned to Australia, did my 2 years, then went back to Thailand to live with my wife of 10 years.

    While we were both in Australia we house sat, which was the only way I could make ends meet.

    We also visited Immigration, who said the single pension wasn't enough to maintain my wife on, so she had to return to Thailand.

    Sure, living here is far less expensive, but I do that on a single pension, and the government made sure that it was not possible for us to live in Australia. My wife loves Australia, and won the hearts of many with her cooking and hard work, especially in the garden. If it were possible, we would be still there, but that was financially impossible. We now have a good and comfortable life in Northern Thailand.
    dougie
    13th Oct 2014
    10:53am
    Sorry Sweatshop but you made the choice, not the Government." In the bed we make we lay."
    Philhal2
    29th Jan 2016
    2:55am
    I seriously think that the majority of comments here come from welfare recipients or greedy stupid people . I worked and paid taxes for 45 years . Often at more than 53 cents in the $ . I also employed other people for about 1/2 of that time . What did the Australian Government do with my taxes ???? Most of my life I was informed by " the government that these exorbitant axes were to provide for my old age and to support our own aged pensioners of that time period . Bull , they were used to pay dole bludgers and support immigrants . Then they changed their tune and introduced compulsory super . Now we have a nation of non income producers , unemployed and immigrants , so now the Government wants to bone us again and deny any sniff of a decent chance to enjoy life .
    I hope when your turn comes they make you bend over and shaft you as well you foolish people . I suffered a major heart attack 8 years ago , I claimed nothing , but made the choice to sell my assets and see some of the world . It is now pension age and I also expect to be treated as a leper by a bunch of useless non productive cretins who think they have some rights > YOU DON"T , you have not built this country which you now suck dry , and want to feed on the bones of those that did build a great Nation .You have done nothing except perform like leeches , sucking out the lifeblood of a Nation and giving nothing back to it . Show some respect for those who created this great food bowl for you .But ALZHEIMERS led me to forget , you have no respect for anything .
    Simo
    13th Oct 2014
    11:09am
    i agree Dougie, if you choose to live else where then stay there
    margie
    13th Oct 2014
    11:12am
    And right here we can see the sense of entitlement which pervades our society, you are living in another country and not contributing to this country but expect a pension, no wonder Australia is in trouble. What other country in the world keeps on handing out to people money and benefits to those who have done nothing or very little to earn this help. Stand outside any Centrelink office and watch the large amount of people driving up in their new 4x drives to collect their 'entitlement', I have worked all my adult life paying for my own home and small car, and now receive the age pension and I sure as hell can not afford such expensive vehicles.
    Emps
    13th Oct 2014
    12:24pm
    What other country ?? Both Germany and the UK, and much..much more in the way of handouts and benefits.
    margie
    13th Oct 2014
    1:15pm
    Well Emps, I looked up pensions in Germany and they have a scheme based on the Pay as you go (or redistributive) model. Funds paid in by contributors (employees and employers) are not saved (or invested) but are used to pay current pension obligations. They are financed by payroll tax at 19.6% . The UK has a state paid model which currently pays 113.10 pounds per week which equates to $209.73 per week in Australian dollars, this is less than we receive here.
    niemakawa
    13th Oct 2014
    1:46pm
    If a person is receiving an Australian age pension and has some entitlement to a pension from another Country, then Centrelink will make you apply for it. Otherwise they may reduce your pension. That person may not have lived in the foreign Country for decades. So why does Centrelink force people to apply for any overseas entitlement. They have paid their taxes in Australia most of their working lives. So the reverse should apply. An Australian person living overseas should seek a pension entitlement from this country if they meet the criteria. They should not have to live here to receive a pension.
    Philhal2
    29th Jan 2016
    2:56am
    I seriously think that the majority of comments here come from welfare recipients or greedy stupid people . I worked and paid taxes for 45 years . Often at more than 53 cents in the $ . I also employed other people for about 1/2 of that time . What did the Australian Government do with my taxes ???? Most of my life I was informed by " the government that these exorbitant axes were to provide for my old age and to support our own aged pensioners of that time period . Bull , they were used to pay dole bludgers and support immigrants . Then they changed their tune and introduced compulsory super . Now we have a nation of non income producers , unemployed and immigrants , so now the Government wants to bone us again and deny any sniff of a decent chance to enjoy life .
    I hope when your turn comes they make you bend over and shaft you as well you foolish people . I suffered a major heart attack 8 years ago , I claimed nothing , but made the choice to sell my assets and see some of the world . It is now pension age and I also expect to be treated as a leper by a bunch of useless non productive cretins who think they have some rights > YOU DON"T , you have not built this country which you now suck dry , and want to feed on the bones of those that did build a great Nation .You have done nothing except perform like leeches , sucking out the lifeblood of a Nation and giving nothing back to it . Show some respect for those who created this great food bowl for you .But ALZHEIMERS led me to forget , you have no respect for anything .
    nomad88
    13th Oct 2014
    11:16am
    Most Australian Citizens have EARNED their Pension once they have reached pension age.It should not matter where they live to receive what is their right. If someone is more "adventurous" and willing to swap a financially hard live in beautiful but expensive Australia for a financially comfortable life elsewhere, than they should not be deprived of what they have earned over a lifetime of working and contributing in Australia.
    In any case, poor Pensioner will not be able to contribute much anymore to Australian coffers. On the contrary, they often become a financial burden in that they require years and years of medical and old age care.
    We have a huge number of people in this country who have never contributed a penny to any welfare but receive it for years and years nevertheless.
    It is a minority who want to live and die comfortably overseas, so let them be.
    niemakawa
    13th Oct 2014
    3:30pm
    I agree.
    Jen
    13th Oct 2014
    5:24pm
    Absolutely agree nomad88. I read some of the "sentiments" above and just shake my head at this one-eyed, narrow-minded older generation. Jealousy perhaps, that some want to make the most of their lives and not sit in a cheap bedsit with the lights out, no heating or cooling, until they drop dead. These pensioners are pensioners because they've paid tax for their pension all their lives. Good on them if they want to enjoy their lives to the max. What on earth does it matter to you where they spend their money?
    Andy Leucite
    13th Oct 2014
    11:37am
    The ISSA link mentioned at the end of the article doesn't seem to work.
    Drew
    13th Oct 2014
    12:27pm
    Hi Andy,

    Thanks for letting us know. It should now be working.

    Kind Regards,
    Drew
    mogo51
    13th Oct 2014
    12:28pm
    What arrogance is displayed by some of the posters here in relation to this person's wish to live overseas. You are correct he must stay back in Australia for 2 years. Lets look at the facts, he is 72 and it appears on the information we have, that he worked in Australia until aged 64/65 so would have worked here from an early age and at least 40 years but likely more.
    I believe he should be granted the o/seas option without 2 years back in Australia, if in fact that is the case. Benefits are handed out with great gusto by the Government to illegal immigrants and many who have only a very short term of Australian residence.
    I wonder if these people were in the same situation as Jon, whether they would be making such ill informed comments on this forum.
    Surely he is no different from another who retires at 65 in Australia and can live where he wishes? Jon has funded himself for the past 7 years. Living on the pension in Australia is extremely difficult, having said that we receive a very fair pension, the problem is rising costs of living, that outstrips pension benefits. Not everyone is fortunate enough to have healthy superannuation benefits regrettably.
    The comments expressed by some of the contributors here are from mindless individuals who have no independent thoughts, but express what they see and read in the media.
    Why would this man not be entitled to benefits like the ones throwing the stones here?
    dougie
    13th Oct 2014
    12:42pm
    Mogo,
    I take it that I am one of those referred to as arrogant and mindless, far from it I do not believe that I am arrogant or mindless as it would seem that I am prepared to think about a subject discuss it and then post my thoughts. This does not make me either arrogant or mindless but just a person who it would seem has a different opinion to yours. I do not call you mindless or arrogant but look upon you as an individual who has a right to speak his mind and to be respected for that action. Others respect your right to speak please accept that they too have a right to think and speak.
    dougie
    13th Oct 2014
    12:42pm
    Mogo,
    I take it that I am one of those referred to as arrogant and mindless, far from it I do not believe that I am arrogant or mindless as it would seem that I am prepared to think about a subject discuss it and then post my thoughts. This does not make me either arrogant or mindless but just a person who it would seem has a different opinion to yours. I do not call you mindless or arrogant but look upon you as an individual who has a right to speak his mind and to be respected for that action. Others respect your right to speak please accept that they too have a right to think and speak.
    Anonymous
    15th Oct 2014
    4:11pm
    Mogo - you're absolutely right.

    The one's criticising Jon are jealous he has a hot young Thai wife who cooks excellent food, does all the chores and gives hism an exotic Thai massage every night.

    Too right - he worked hard all his life, paid taxes, went to live in Thailand, and now wants to return.
    He is entitled to his single pension, but the wife being too young, could go on newstart once her (citizenship) papers are finalised

    The bludging criticism applies no matter which country you choose to retire. Whre you live is irrelevant.
    Sweatshop Greed
    13th Oct 2014
    12:37pm
    How was it my choice dougie.

    My options, were move overseas where I could work for a living, or stay in Australia, and stay on the dole, I had tried for six months to get work. My choice was to work.

    I should add that at this time I had paid Australian taxes for 35+ years.

    When I was back in Australia with my Thai wife of 8 years, we went to Centrelink as our first intention was hopefully to settle there. However, the single pension wasn't enough to support my wife, and she was not allowed to get work, so she had to return to Thailand while I finished my 2 years.

    I would like to hear what you would have done in my position. Live here alone, or move back to live with my wife?
    Sconny
    13th Oct 2014
    12:52pm
    mate you should ignore some of the comments that seem to infect this forum by their ignorance and lack of understanding. I suspect many of these fools have never been farther than Bribie Island. You seem to have done your time and paid your dues here so good onya...I'm as jealous as hell and if I could've I would've
    dougie
    13th Oct 2014
    2:08pm
    Sweatshop,

    What would I have done? I do not know as I have not been placed in that circumstance. However my comments are made on the feelings that I have regarding this matter. You choose to disagree and that is fine, they are your feelings and you are entitled to do as you and your conscience and the law of or country allows. Do not let another's feelings on a subject appear to be an insult to you as this is not always the case.
    Anonymous
    15th Oct 2014
    4:14pm
    Sweatshop

    At what point would she have been eligible to go to work.
    Surely she will get permanent residency and therefore entitled to work
    XYZ
    13th Oct 2014
    12:37pm
    I have been overseas for 20 years and have paid tax in Australia the whole time on the rental income from my flat in Sydney. Further, this tax is at the higher "non-resident" tax rate. In the last few years I have been ill and if I were to sell my place here in Singapore and pay off the mortgage, there will be nothing left to show for all these years. I need to return to Aust as there is no universal health care here and I cannot afford the health costs (medical/hospital) here. My wife is a PR in Australia. Can anyone tell me if PR's qualify for the pension (i.e. she is married to me - a citizen). Both our children are Aust citizens. We have been married for almost 30 years. appreciate advice from members of this group.

    Thanks AG
    XYZ
    13th Oct 2014
    12:41pm
    Just to add, I also paid income tax for over 20 years working in Australia before we moved overseas. My wife also paid income tax for 7 years. Thanks, AG
    Anonymous
    15th Oct 2014
    5:45pm
    Many keep saying because we all paid taxes we are "entitled" to an aged pension.
    This is incorrect.

    "In Australia the age pension is NOT automatically available to everyone who is of age pension age."

    Centrelink has rules about what you can own (the assets test) and how much income you can receive (the income test) before you are entitled to a full or part pension. If your assets or income exceed the limits set by Centrelink you wil lNOT be entitled to the pension.

    Both tests apply. You may be under the asset limit but over the income limit, or vice versa. Centrelink will use the test that results in the lower amount of pension payable.

    If you exceed the assets or income test, you will lose your entitlement to the pension or it will be reduced.'
    Philhal2
    29th Jan 2016
    2:58am
    I seriously think that the majority of comments here come from welfare recipients or greedy stupid people . I worked and paid taxes for 45 years . Often at more than 53 cents in the $ . I also employed other people for about 1/2 of that time . What did the Australian Government do with my taxes ???? Most of my life I was informed by " the government that these exorbitant axes were to provide for my old age and to support our own aged pensioners of that time period . Bull , they were used to pay dole bludgers and support immigrants . Then they changed their tune and introduced compulsory super . Now we have a nation of non income producers , unemployed and immigrants , so now the Government wants to bone us again and deny any sniff of a decent chance to enjoy life .
    I hope when your turn comes they make you bend over and shaft you as well you foolish people . I suffered a major heart attack 8 years ago , I claimed nothing , but made the choice to sell my assets and see some of the world . It is now pension age and I also expect to be treated as a leper by a bunch of useless non productive cretins who think they have some rights > YOU DON"T , you have not built this country which you now suck dry , and want to feed on the bones of those that did build a great Nation .You have done nothing except perform like leeches , sucking out the lifeblood of a Nation and giving nothing back to it . Show some respect for those who created this great food bowl for you .But ALZHEIMERS led me to forget , you have no respect for anything .
    stekmer
    13th Oct 2014
    12:44pm
    Wow - such insightless, narrow minded bigotry is hard to come by these days.

    I'm in my sixties, have worked in Australia since age 17 and plan to retire to Indonesia in a few years time, where my retirement funds will go a lot further.

    I anticipate returning to Australia if or when my health declines and I need to access the services that my taxation has contributed to over 35 years of my working life in Australia.

    Australian citizens choosing to live outside of Australia and use whatever mix of personal or public funds they are eligible to, have every right to do so and cost the current Australian tax payers no more (and probably less) than if they remained living in Australia and drawing on their full entitlements.
    margie
    13th Oct 2014
    1:22pm
    I do not think that anybody is saying that if a person has worked and is entitled to the pension, that he can't have it. The point was Jon has to reside in Australia for 2 years to access his money and if that is the law, that is what he has to do, until or if the law is changed.
    Pass the Ductape
    13th Oct 2014
    1:53pm
    Sorry stekmer, but that doesn't really compute with me! I find it difficult to accept that you spend your aged pension money in another country, even though you've paid taxes here in Australia for some considerable time. The taxes you've paid would in no way compensate for the amount of money you are likely to receive in benefits - all things being equal and you live to a ripe old age. Then you say you want to return to Australia to take advantage of our over burdened health system when the need arises - a system for which you have not contributed one cent to since moving overseas - unless of course you are paying into a private health fund here in Australia. In that case, I don't have a problem with it.
    Pass the Ductape
    13th Oct 2014
    1:57pm
    Sorry again stekmer! I just noticed you wrote 'retirement funds' which doesn't necessarily equate to an aged pension. Still......
    Anonymous
    15th Oct 2014
    1:40pm
    There are rules in place; if a person abides by those rules and meets the criteria for accessing an aged pension (i.e. the assets and income test and residency requirements) whether we agree with them or not is fine by me.

    The Australian taxpayer is funding the pension after all.
    particolor
    15th Oct 2014
    4:14pm
    And Humbled by it !!
    Sweatshop Greed
    13th Oct 2014
    1:44pm
    When you have worked, and paid taxes in a country for more than 35 years, don't you think you are just as entitled to that country's pension as someone who has been receiving unemployment benefits for years and not contributing?
    Pass the Ductape
    13th Oct 2014
    2:01pm
    Look on the bright side Sweatshop! It's kept a few at Centrelink in employment - and sad to say - that's the way a great many of the unemployed think. :)
    Anonymous
    15th Oct 2014
    4:16pm
    You are entitled sweatshop.
    Ignore the morons.
    Anonymous
    16th Oct 2014
    2:18pm
    If a person has contributed to this country during their working life by paying taxes and meet the criteria for getting an aged pension they are entitled, in my view, to live where they like.

    It does stick in my craw though that we have newcomers to this country who will "never"contribute as they will be on welfare forever due to their age, lack of English and qualifications to hold down a job.
    niemakawa
    13th Oct 2014
    1:47pm
    Um!
    XYZ
    13th Oct 2014
    2:23pm
    No answer to my query about my wife? She is an Australian PR. Will she qualify for aged pension? Thanks.
    Anonymous
    15th Oct 2014
    4:19pm
    XYZ

    10 year residence requirements. This requirement has to be met by any person who wants to receive an age pension. The 10 year qualifying residence requirement states that you have to be living in the country continuously for a period of 10 years. If you have lived in Australia on and off, then the total of all such periods of residence must be equal to or more than 10 years. Within these smaller periods, there should be at least one period where you have lived in Australia continuously for five years.

    Look up
    http://www.humanservices.gov.au/customer/services/centrelink/age-pension
    Polly Esther
    13th Oct 2014
    2:25pm
    Is there a time limit on making a claim for any allowances, say for instance, old age pensions? If there isn't, well there jolly well should be. When this fellow could have claimed when he turned 65 and didn't, perhaps he may have been saying at that time I don't need this, and therefore I don't want it. I think after 7 years of "not needing it", and therefore obviously not wanting it, then perhaps he should keep on not needing it and now, simply not apply for it.
    particolor
    13th Oct 2014
    3:10pm
    Ask Him if He's OK for Socks and Undies ??
    Blossom
    13th Oct 2014
    3:23pm
    Try getting Citizenship and a Medicare Card if you migrate to Australia after retiring, pay tax on the funds you brought into Australia with you, then later bought a house freehold with part of it. later they wanted to build another to their liking but were only allowed to own one house at a time. They don't come from a country where there was conflict, they paid their fares out here, basically invested in Australia's economy and paid tax on it. Apparently they have applied for Citizenship on more than one occasion. They therefore get no rebate on medical expenses of any sort from Medicare, even though they paid huge taxes for a few years after they arrived. They have made Aust. home and have no wish to return to live where they migrated from.
    It is widely known about an Australian couple one of whom the elderly Mum is still living in England and is almost blind. They wanted to bring her to Australia and guaranteed to claim not Govt. assistance or pension for her at all + employ a couple of nurses full time to help care for her. Despite their pleas they were refused so they sold their business for a considerable sum and migrated to England (one is Australian) to care for her. Aust. is missing out on taxes from them and employment for staff they were going to employ.
    particolor
    13th Oct 2014
    3:29pm
    Coming here now to live is like Breaking into San Quinton !!
    Mike
    13th Oct 2014
    4:39pm
    I am amazed at the hostility by the ignorant people on this blog. First of all, you only get a pension for your Australian working life where you have paid taxes. Then when you decide to live overseas as a pensioner, you get no rent assistance and no medical help. So where is your problem? Even if you do come back to Australia, where is the RORT as you paid 30 years of taxes???? Get a life before you play the bigot.
    mogo51
    13th Oct 2014
    5:24pm
    I am just as amazed as you Mike. The misinformation and biased reporting of the press on these matters, where it is suggested that Aussie pensioners go overseas and 'live like a king' is total nonsense. I am overseas and certainly find that I can have a few more luxuries than back in Australia where the pension is barely enough to scratch out a living. Not that it is inadequate, just the cost of living is flying higher every day and it does not keep up!
    The narrow minded few throw out the nonsense of some the the blogs here will never go away, they are blissfully ignorant.
    niemakawa
    13th Oct 2014
    6:18pm
    I agree. There is no rort, but there are many people who resent and are envious of those that have made the move. Good luck to you and everyone that enjoys the life beyond Australia.
    Kezzo
    13th Oct 2014
    6:25pm
    I see the same old names appear ...the same racist people who have achieved zero in there lives bitching about other who may get a little more than they do .... I left Aussie 8 years ago because I could not find work ..for 2 years I was told I was over experienced, I found work ion another country ,,, on returning to Aussie I still could not get work so again returned overseas ... I can get my pension in Aussie ,,but I am held as a financial prisoner in Aussie.. You cant even go outside for a holiday,, if you do your pension is stopped... Totally stupid ..... cheaper to pay a pensioner who lives overseas than to have him/her living in Aus ... the savings are huge .... and to you narrow minded basta_ds ..have a great day
    niemakawa
    13th Oct 2014
    6:29pm
    Absolutely. They should drop the "2 year" waiting period before a person can leave Australia. It makes so much sense as you and a few others have described.
    betteroverseas
    13th Oct 2014
    11:02pm
    good on you Jon. Sorry some people are so negative about spending your time abroad. You've earned it mate. I have a family in the Philippines and hope one day to be able to move there permanently myself. unfortunately alot of people in Australia knock people wanting too retire abroad. Maybe theyve never been abroad and are just scared of what they know nothing about, others may be just flat out racists (I come from a farming background and have seen plenty of anti-asian sentiments before. mate I would suggest googling: old age pension proboards. there are a great bunch of people there with alot of info on retiring abroad. this fine country of ours is going down the gurgler... Asia is moving ahead in leaps and bounds and will leave our country for dead. its the perfect retirement climate and the people are lovely... all the best with your plans mate!
    micky d.
    13th Oct 2014
    11:36pm
    Biggotry (as described by some), ignorance (which seems mostly to be the case) or a combination of both seems to be shown by most posters.
    To get some perspective why not start by looking at the many known as well as non-admitted rorters of the Social services who are resident right here in dear old Oz.
    Then shift your biggotry to those who have taken up residence overseas.
    Next look at the aspect of ignorance. How many of those negative posters have ever experienced any of the conditions they so deplore?
    Also please explain how you think these persons,now residing overseas, are rorting anything from anyone here.
    Well let me tell you I have lived overseas and I can tell you a few things ....FACTS...free of guess and surmise.
    My wife and I are now living back in Australia where we are costing the tax-payer (regrettably and apologetically) a lot more than when we were living overseas for 6 years.
    Firstly, our overseas pension became substantially increased upon our return.
    Secondly, our call on pharmacy benefits and Medicare claims became active after these benefits are withdrawn. This was the case was the case, also, with free hearing aids for both of us.
    Surgery has regrettably also become a charge against the public purse.
    Prior to our return we managed our own health costs overseas where services and medicines were considerably cheaper and equally as good. Never did we draw on the purse of the Australian taxpayer.
    Staying overseas after a period of some 3 plus years ( this is variable with legislation) categorises one as a Non-Resident Australian with the ensuing liability of Non-Resident's Tax (then 29%) of every single dollar earned in Australia - including the age pension.
    So the one hand is generously handing out an age pension of say, $100 and the other hand reaches out and takes $29 of those back.
    Get your facts correct ...those of you who detract without any real information or knowledge and know that sometimes your opinions just aren't worth sharing.
    Bigottry/ignorance/jealousy ???? - or just plain nastiness.
    Sally
    14th Oct 2014
    4:07am
    There seems to be quite a few people who are against us -Aussies living abroad- and age pensions. How many of you receive pensions from Britain and other countries, I would say there are quite a few. If a person was born in the country, educated, worked since the age of 16, served in the armed services, including one year overseas, why haven't they the right to a pension. They have EARNED the right to have aged pensions - HAVE YOU????
    particolor
    14th Oct 2014
    8:30am
    YES !!
    niemakawa
    14th Oct 2014
    11:26am
    Of course you are right. Any educated would agree.
    Adrianus
    14th Oct 2014
    12:05pm
    Sadly no, I'm not old enough. But when I grow up........
    Longfellow
    14th Oct 2014
    12:12pm
    If we cannot qualify for the state pension for whatever reason – we need to find alternative way to make money

    So thinking “outside the proverbial box – and Government pension - I found and have,

    MY DIY Pension – it will not make me money to retire this year - maybe next year? –

    And get this – my DIY pension costs One (1 ) yes one US dollar a day – paid weekly.

    If you have “time’ meaning you’re youngish it is possible to make it work without spending a single cent!
    Where does the money come from would be a good question -

    Answer

    The Multi-Billion dollar advertising industry . To learn more you need to ask me to send you full details (no cost)

    II need to login and spend around five (5) minutes every day on a computer ( that’s the “work” covered).

    To get involved you will need an open mind – (minds – like parachutes, minds work best when open) and be able to think outside the box –

    By a unique method of financial reserve cash flow engineering designed by the proven to be trusted administrator
    is designed Never to fail

    BUT it will take “Time”

    I do not see there is any more risk than paying assurance company’s executives to enjoy all afternoon company expense(your) lunches! –

    but in all things there is “Risk”

    The designer could Jump under a bus ( not going to happen) even then he has back up .

    I worked out the “Rick to Reward Ratio” - and decided YES!

    Look - The only real Guarantee there is in this life - one day the Good Lord will call “Time ”

    I am 81 but as this financial engineering method is designed never to fail and as I reckon I have a few more miles in the tank –

    I went for it and spent two hundred dollars to pay a few weeks in advance.

    By the time my $200 has been used – My DIY pension will be close to be “self Funding”
    and I will be able to take cash out – but Hey just enough to pay a few bills but not enough to make life easy –

    That will take time – possibly a year – but don’t know where else I can find a DIY pension (or any genuine means of many retirement money for such low cost and effort)?

    If I’m not round to collect –the kids can have fun at my expense – great!

    The system has become extremely popular and over 20,000 happy member from around the world are on board –
    if anyone wants to get involved - the sooner the better!!!

    I put my Son , Daughter and 3 grandsons in but only as free members - my current (small private) pension say’s

    I can’t afford a dollar a day for all of them .

    The point is, as they (my family) are young, and have time to use the feature which allows free members to leverage time for money which “over time ?(a lot of it)

    \They (my family) will be make money to easily pay their mortgage, and in the case of the Grandsons – afford a decent car and still accumulate a very substantial long term pension fund

    One Dollar day keeps debt away

    Keep smiling and good luck to Jon - we all need to "Live"

    Longfellow.
    particolor
    14th Oct 2014
    12:28pm
    Signed... Arthur Daily ...
    Anonymous
    18th Oct 2014
    9:58am
    The only thing missing from Longfellows post is some flashing pop-ups saying, "WAIT!! DON'T LEAVE THIS PAGE!! YOU'LL MISS OUT ON THE GREATEST OPPORTUNITY EVER PRESENTED TO YOU IN YOUR LIFE!!"

    Unfortunately, Longfellow, the world is full of schemes such as the X100K plan.
    They are dodgy at best, they rely on signing up thousands of other suckers, they rarely produce the "great wealth" advertised, and they always leave people who sign up, disappointed, and quite often bitter about foolishly trusting others with suspect financial schemes.
    Adrianus
    18th Oct 2014
    12:34pm
    Longfellow, I have seen a lot of schemes over the years and the one that I like best is.
    When you start work you commit to keeping 10% of what you earn throughout your life.
    Over the years you invest wisely and do not put it at risk.
    Do not spend it, no matter what the circumstances.
    If you do this you will get to a stage in your life when your money will earn more than you do at work.
    Teach your kids this and ask them to teach their children.
    Pem
    14th Oct 2014
    4:57pm
    I was an Expat who has only recently heard about the claiming of the Age Pension and the two year residence rule three months ago. I have spent considerable time trying to determine the rules and their intentions. I feel that the reference listed below provides the clearest guidelines for Expats or former residents considering living on the pension in Australia or overseas in the future.
    Visit http://guides.dss.gov.au/guide-social-security-law/7/1/4
    to be informed about requirements for Former Residents of Australia Receiving a Portable Pension (for Age, DSP, WP, WidB, BVA).
    Lescol
    19th Oct 2014
    4:08pm
    There are times I am embarassed to be Australian. If a person is entitled to a pension then it should be paid. Simple.

    Should a person choose to live away from Oz they will be taxed upon every dollar received and pay their own way for medical, etc. Should we penalise further? In fact, we should actively enjoy people to retire overseas!!

    Interesting times eh?
    gumtree
    23rd Oct 2014
    11:03am
    Uninformed negative comments against an Australian who has 'paid his dues' as well as deferred his rights to claim the aged pension. He lived the required period in Australia and presumably worked and paid his taxes. His entitlement to the aged pension will be reduced including forfeiture of access to aged pensioner benefits including Medicare so it is cheaper for Australian taxpayers. Instead of criticising an Australian for wanting to access his rights "overseas" criticise the illegal immigrants and the ISIS fanatics who live in Australia then promote beheading Australians.
    XYZ
    23rd Oct 2014
    12:05pm
    I am a bit scared when I read some of these posts and they seem to imply that if I return to Australia (lived and worked overseas for 21 years) I will not get government medical coverage? Is this correct. I have paid taxes all these years on the rent from my flat and of course paid income tax for around 20 years before I left in 1993. Also sent much money back to Aust over the years to pay for kids education and accommodation for them in Australia. I am a citizen (6th generation Australian). Are you saying that I will not get Medicare? Now I am in my 60s and assume I will need it as I age? Thanks.
    gumtree
    23rd Oct 2014
    12:15pm
    You will get the usual benefits when you return to Oz (unless the government changes the rules). For the time you are overseas your access to Oz entitlements like Medicare is withheld. When you come back to live you have to stay in Oz 2 years before you can get 'portability' overseas of the basic aged pension. I have no idea why this is the rule - it makes no sense to me.
    XYZ
    23rd Oct 2014
    12:05pm
    I am a bit scared when I read some of these posts and they seem to imply that if I return to Australia (lived and worked overseas for 21 years) I will not get government medical coverage? Is this correct. I have paid taxes all these years on the rent from my flat and of course paid income tax for around 20 years before I left in 1993. Also sent much money back to Aust over the years to pay for kids education and accommodation for them in Australia. I am a citizen (6th generation Australian). Are you saying that I will not get Medicare? Now I am in my 60s and assume I will need it as I age? Thanks.
    XYZ
    23rd Oct 2014
    12:05pm
    I am a bit scared when I read some of these posts and they seem to imply that if I return to Australia (lived and worked overseas for 21 years) I will not get government medical coverage? Is this correct. I have paid taxes all these years on the rent from my flat and of course paid income tax for around 20 years before I left in 1993. Also sent much money back to Aust over the years to pay for kids education and accommodation for them in Australia. I am a citizen (6th generation Australian). Are you saying that I will not get Medicare? Now I am in my 60s and assume I will need it as I age? Thanks.
    XYZ
    23rd Oct 2014
    12:05pm
    I am a bit scared when I read some of these posts and they seem to imply that if I return to Australia (lived and worked overseas for 21 years) I will not get government medical coverage? Is this correct. I have paid taxes all these years on the rent from my flat and of course paid income tax for around 20 years before I left in 1993. Also sent much money back to Aust over the years to pay for kids education and accommodation for them in Australia. I am a citizen (6th generation Australian). Are you saying that I will not get Medicare? Now I am in my 60s and assume I will need it as I age? Thanks.
    Wittyone
    23rd Oct 2014
    10:15pm
    I am a 64 year old nurse and live in the UK. Paid non resident taxes etc on primary residence and now face paying capital gains tax on the last 9 years if I sell (doesnt matter if I live back in it for a period of time or not). Thanks Australia. Came home recently and unable to procure even a maternity relief job in my specialty, so here I am in Scotland. Also receive a non means tested British part pension which mostly is not transferable to good old Oz although I could live in heaps of other places without being penalized. So much for the Commonwealth! I am free to come and go when I like and authorities have been more than pleasant to deal with. It is hard to believe I would be exiled in my own country for 2 years at I time I should be enjoying retirement and visiting overseas friends!! The cost of monitoring Centerlink's draconian rules must be huge and for what?
    When I mention this overseas, people can't believe Australia would treat its Seniors so unfairly. Oh, I also get free bus travel all over Scotland as I am over 60 (not means tested).

    Yes, I would love to come home but life would be restrictive and tough. Instead of whinging about people taking their pension out of the country,some of these narrow minded contributors should be lobbying to improve the system!!
    particolor
    23rd Oct 2014
    10:47pm
    Its useless Wittyone !! You may as well talk to Your Sulphur Crested Cockatoo as try to talk to another type of Polly here !! I Understand Your Angst !!
    Polly want a Payrise ! Er!! Sqwaaark!! Cracker !!
    Nobby
    28th Jul 2015
    3:16am
    Are you people crazy? This guy left Australia when he was 64 !!!!!!
    This guy has presumably lived and worked in Australia until he was 64 years old, 1 year before he qualified for the Aged Pension.
    At that time he went to the Philippines and fell and love and got married.
    He now has a family there, that means a wife and kids.
    If he had wanted to bring his family back to Australia, how hard would that have been for him even if it was just his wife, when he was 64 years old.
    Do you know how hard it is to bring anyone into Australia as your bride or fiance?
    So unless she can sneak onboard a boat that can make it here then it is a long expensive and time consuming process.
    So let us look at what his options are...
    He can leave his wife and kids and live back here alone and getting about $440 a week.
    He can bring his wife and kids to Australia to live on welfare, for a couple and lets say 2 kids (I believe his kids are entitled to Citizenship).
    Or, We can let him stay with his family and we can pay him $350 a week (saving $90+ a week).
    Let us not forget that he could have returned when he was 65 years old and started his pension from then. But did not and missed out for 7 years of Pension totaling $160,000.
    gumtree
    28th Jul 2015
    9:49am
    Note if you live overseas with a 'lifelong' partner (as defined by Centrelink) you will be assessed as a 'couple' for the aged pension & your pension will be reduced from the 'single' rate. I'm told this is regardless of whether that person is an Australian resident or not or has the right to work in Australia or not. Sounds amazing that the C/link arm can stretch so far! Tried to get confirmation in writing from C/link without success. Anyone know the 'rules'?'
    Lescol
    28th Jul 2015
    10:47am
    I'm really saddened to thing that if a person is able to satisfy the pension conditions aka employment history, asset tests, etc then it should be paid. Simple.

    Should a person choose to live away from Oz they do do have the right to vote, they will be taxed upon every dollar received and pay their own way for medical, etc. Should we penalise further? In fact, we should actively enjoy people to retire overseas as it is much cheaper!
    Philhal2
    29th Jan 2016
    2:52am
    I seriously think that the majority of comments here come from welfare recipients or greedy stupid people . I worked and paid taxes for 45 years . Often at more than 53 cents in the $ . I also employed other people for about 1/2 of that time . What did the Australian Government do with my taxes ???? Most of my life I was informed by " the government that these exorbitant axes were to provide for my old age and to support our own aged pensioners of that time period . Bull , they were used to pay dole bludgers and support immigrants . Then they changed their tune and introduced compulsory super . Now we have a nation of non income producers , unemployed and immigrants , so now the Government wants to bone us again and deny any sniff of a decent chance to enjoy life .
    I hope when your turn comes they make you bend over and shaft you as well you foolish people . I suffered a major heart attack 8 years ago , I claimed nothing , but made the choice to sell my assets and see some of the world . It is now pension age and I also expect to be treated as a leper by a bunch of useless non productive cretins who think they have some rights > YOU DON"T , you have not built this country which you now suck dry , and want to feed on the bones of those that did build a great Nation .You have done nothing except perform like leeches , sucking out the lifeblood of a Nation and giving nothing back to it . Show some respect for those who created this great food bowl for you .But ALZHEIMERS led me to forget , you have no respect for anything .
    Retired
    17th Oct 2016
    2:18pm
    Most of the comments supporting the 2 year rule above are made by Coalition Trolls who are paid to make these comments.
    Australia is the only country in the world that has this 2 year overseas rule.
    Australia would save money if it paid pensioners extra to live overseas.
    Just go to any doctors waiting room and see that pensioners make up the majority of people in the waiting room. The Australian Govt. would save a fortune on Medicare by moving these pensioners overseas. As usual the mean spirited Australian Govt is shooting itself in the foot.
    Further more the Coalition had better wake up very quickly that their aged pensioner policies will get them booted out at the next election (if they do not improve aged pensioners lives). This fact became evident in the Newspoll held immediately after the miserly $3.40 September aged pension increase. In this poll voters over the age of 65 years turned against the Coalition.
    NB: 65% to 70% of the over 65 years of age group has traditionally voted for the Coalition. This statistic is changing because the Coalition would rather give the Corporations a tax cut than take care of older Australians.
    particolor
    17th Oct 2016
    2:23pm
    Did I see Age Pension Increase mentioned there ? I never noticed it ??
    When did this happen ? :-(
    Philhal2
    18th Oct 2016
    9:15pm
    Now let me understand , My great, great grandparents , my great grandparents , my grandparents , my parents and myself , all worked hard in sometimes difficult and low paying jobs ,all believing we were building a future for Australia and Australian people . We paid taxes and each generation was told the same lie about how our Government was to take care of us in the future and how great Australia would be .Well let me see , we have Centrelink , Telstra , CBA , no public utilities and a pathetic bunch of political and Government penises to show for it , ? oops forgot all about illegals , Terrorists and other assorted immigrants , long term unemployed and "incapacitated long term unemployed , living on Taxpayers money and sinking this Nation further and further in to debt .
    Now don't any of you penile tossers tell me we are not entitled to a pension when you parasites are not even capable of pulling your own weight or feeding yourselves unless your on government handouts of some type or another and don't tell me you work !" for the Government" because there is no evidence of any form of work or service or competency ever to have been observed in hundreds of years .
    You save money by putting the elderly who worked hard and served this country into 3rd world poverty inside Australia !
    You resent their retirement and even more are jealous of them being able to spend their last few years living with some dignity and comfort elsewhere .
    You and your ilk are the lowest form of human to have ever lived in Australia or to call yourselves Aussies . You are not , you have no idea of a fair DAYS WORK FOR A FAIR DAYS PAY OR ANY CONCEPT OF A fair go . I can not wait until you finally send Australia broke and you all get what you deserve , for you reap what you sow . You are parasites and you breed parasites , there will be no pensions , no super and no retirement , for you will be Economic slaves to World powers .
    particolor
    18th Oct 2016
    9:33pm
    All the things you mentioned from ( Let Me See) DONT WORK :-( :-(
    I want a REFUND !! :-) :-)
    And the last paragraph was a donation to our Government ! :-)
    The only thing they will end up with as a Reward will be Chinese Water Torture :-) :-)
    gumtree
    18th Oct 2016
    11:27pm
    Be black (very dark),muslim & a so called refugee and we will support u from the savings on the aged pension!
    particolor
    19th Oct 2016
    4:15pm
    So that's where it went !:-( Never Mind we got the GST part of it ! 10%= $3.60 :-) :-)
    Russell
    8th Oct 2018
    7:50pm
    I am an Australian born citizen and I worked until I was injured at the age of 68 and because of the GFC I lost a lot of my super but because of my age I did not have the time to recoup it and because of both my employer and the insurance company I was forced to live on the remainder of my super until my court case at which I was shafted by both the company and the insurance because of my age. I live in Thailand because of the climate as I have restricted movement in my arm and I am pain free, if I lived in Australia then I would be on 5-6 Codiene based medication a day for the pain. I have worked since I left school in 1958 at the age of 15 until I turned 68 which is above the legal retirement age and some of you say I should not be entitled to the Australian OAP. Dougie the "Rort" that I am benefiting from is the rort of living pain free.


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