14th Jul 2014
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Couple's Age Pension quandary
Couple's Age Pension quandary

Jeff would like to know if he will receive a single or couples' Age Pension when he reaches Age Pension age before his wife.

Q. Jeff

I will reach the Age Pension age in four years, but my wife will not be eligible for another eight years. I know it’s complicated, but if I was eligible for a full Age Pension, would I receive a single pension - $766 (wife not working and not eligible for pension), or $577.40 as half of a couples’ pension?

A. When you reach the Age Pension age and your wife has not, you will still be assessed under the income and assets test as part of a couple, and will receive the couple's rate of Age Pension, one member eligible.

If your wife does not work and is not eligible for an Age Pension, she may be eligible for Newstart Allowance. You can find out more by visiting HumanServices.gov.au.

Given that you have four years until you are able to claim an Age Pension, it would be timely to consult an independent financial advisor, who can provide strategies to maximise your superannuation income and retirement funding.

You may also find it useful to download a copy of YOURLifeChoices' Your retirement and the Age Pension.





    COMMENTS

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    Daisy
    26th Jul 2014
    3:17pm
    Am I able to get the carers pension I care for my Daughter who has a mental illness but we don't live together anymore but I still care for her on a daily basis
    Blossom
    29th Jul 2014
    10:33am
    You may be able to get a carers allowance which is less. Check with Centrelink. THey are very helpful. You many need to arrange an appt. at your nearest office. I did this under different circumstances and got my now late Mum an increase.
    Young Simmo
    29th Jul 2014
    12:11pm
    Daisy, my wife and I are 74 and on the couples pension, and I also get a carers extra payment of $118.00 per fortnight. In addition to that we gat a $600.00 payment at the start of each July.
    Another handy thing is you can borrow $500 from Centrelink and pay it back at $38 / Fortnight interest free. It helps with Car and House insurance and Car rego etc, and you don't really feel the 38 bucks.
    Young Simmo
    29th Jul 2014
    12:11pm
    Daisy, my wife and I are 74 and on the couples pension, and I also get a carers extra payment of $118.00 per fortnight. In addition to that we gat a $600.00 payment at the start of each July.
    Another handy thing is you can borrow $500 from Centrelink and pay it back at $38 / Fortnight interest free. It helps with Car and House insurance and Car rego etc, and you don't really feel the 38 bucks.
    Young Simmo
    29th Jul 2014
    12:12pm
    Daisy, my wife and I are 74 and on the couples pension, and I also get a carers extra payment of $118.00 per fortnight. In addition to that we gat a $600.00 payment at the start of each July.
    Another handy thing is you can borrow $500 from Centrelink and pay it back at $38 / Fortnight interest free. It helps with Car and House insurance and Car rego etc, and you don't really feel the 38 bucks.
    Young Simmo
    29th Jul 2014
    12:14pm
    Oop's my puter is having a coronary.
    SuziJ
    19th Oct 2017
    6:38pm
    Daisy, if you are still caring for your daughter on a daily basis you may still be eligible for the Carer Payment & the Carer Allowance.

    My ex is still eligible for the both, as he cares for me in my home on a daily basis, even though we are separated and living in separate households.
    Dot
    29th Jul 2014
    10:16am
    My husband is 9 years older then me. He went on the old age pension when he turned 65, I on the other hand was to go on Newstart Allowance which I refused. I had no intention of paving the footpath applying for jobs while at the same time seeing all those foreigners and boat people receiving every benefits and help from our taxes. We as refugees after World War 2 were given nothing and had to work to survive. Every 6 months had to go to Cenrelink to justify my health card and even there foreigners were employed. I am bl---y angry that True Blue Aussies have become 2nd class citizens in this country.
    bletch
    29th Jul 2014
    12:11pm
    What a joke, it is a lot to look forward to isnt it. Perhaps they are sending us a message to split up in order for both to get a full pension?
    Either that or eat cat food and wrap yourself in blankets !
    Adrianus
    4th Aug 2014
    9:06am
    Dot, I hear you loud and clear. Don't worry, many of us feel the same way, and many are just too busy to go toe to toe with the lefty nutjobs who clog up the public opinion arena with their self righteous babble. Hey true blue don't say you've gone, say you've knocked off for a smoko and you'll be back later on.
    Adrianus
    4th Aug 2014
    9:06am
    Dot, I hear you loud and clear. Don't worry, many of us feel the same way, and many are just too busy to go toe to toe with the lefty nutjobs who clog up the public opinion arena with their self righteous babble. Hey true blue don't say you've gone, say you've knocked off for a smoko and you'll be back later on.
    Blossom
    29th Jul 2014
    10:36am
    Daisy, check with Centrelink. You may be able to get a Carers Allowance which is less but better than nothing. I found them very helpful.
    bletch
    29th Jul 2014
    12:06pm
    And to continue, my wife currently earns $34000 a year and when I retire at 66-67 is it right that i will get a part pension from the $577.40 because she is still working so in that scenario
    TWO of us have to live off $34000 + as well ?
    Min
    29th Jul 2014
    1:03pm
    Try being on a single Pension and paying 100 percent of electricity, Rates, Insurances, Phone, Car registration,repairs and services, petrol etc. I get $550 a fortnight from Centrelink and with my Super that comes to $32,000 per year Income. Everything goes up and I may get a dollar or so increase with CPI. It is a couples world but most of them think I am better off because I have Super and on my own...but not true at all. We don't have a Voice.
    bletch
    29th Jul 2014
    1:58pm
    Hi Min $32000 year for 1 person and in my case $34000 a year for 2 people to live off.....how do we survive ???
    Min
    29th Jul 2014
    1:04pm
    Try being on a single Pension and paying 100 percent of electricity, Rates, Insurances, Phone, Car registration,repairs and services, petrol etc. I get $550 a fortnight from Centrelink and with my Super that comes to $32,000 per year Income. Everything goes up and I may get a dollar or so increase with CPI. It is a couples world but most of them think I am better off because I have Super and on my own...but not true at all. We don't have a Voice.
    Min
    29th Jul 2014
    1:04pm
    Try being on a single Pension and paying 100 percent of electricity, Rates, Insurances, Phone, Car registration,repairs and services, petrol etc. I get $550 a fortnight from Centrelink and with my Super that comes to $32,000 per year Income. Everything goes up and I may get a dollar or so increase with CPI. It is a couples world but most of them think I am better off because I have Super and on my own...but not true at all. We don't have a Voice.
    Min
    29th Jul 2014
    1:05pm
    Try being on a single Pension and paying 100 percent of electricity, Rates, Insurances, Phone, Car registration,repairs and services, petrol etc. I get $550 a fortnight from Centrelink and with my Super that comes to $32,000 per year Income. Everything goes up and I may get a dollar or so increase with CPI. It is a couples world but most of them think I am better off because I have Super and on my own...but not true at all. We don't have a Voice.
    Min
    29th Jul 2014
    1:05pm
    Try being on a single Pension and paying 100 percent of electricity, Rates, Insurances, Phone, Car registration,repairs and services, petrol etc. I get $550 a fortnight from Centrelink and with my Super that comes to $32,000 per year Income. Everything goes up and I may get a dollar or so increase with CPI. It is a couples world but most of them think I am better off because I have Super and on my own...but not true at all. We don't have a Voice.
    Min
    29th Jul 2014
    1:05pm
    Try being on a single Pension and paying 100 percent of electricity, Rates, Insurances, Phone, Car registration, repairs and services, petrol etc. I get $550 a fortnight from Centrelink and with my Super that comes to $32,000 per year Income. Everything goes up and I may get a dollar or so increase with CPI. It is a couples world but most of them think I am better off because I have Super and on my own...but not true at all. We don't have a Voice.
    Min
    29th Jul 2014
    1:05pm
    Try being on a single Pension and paying 100 percent of electricity, Rates, Insurances, Phone, Car registration, repairs and services, petrol etc. I get $550 a fortnight from Centrelink and with my Super that comes to $32,000 per year Income. Everything goes up and I may get a dollar or so increase with CPI. It is a couples world but most of them think I am better off because I have Super and on my own...but not true at all. We don't have a Voice.
    Min
    29th Jul 2014
    1:06pm
    Try being on a single Pension and paying 100 percent of electricity, Rates, Insurances, Phone, Car registration, repairs and services, petrol etc. I get $550 a fortnight from Centrelink and with my Super that comes to $32,000 per year Income. Everything goes up and I may get a dollar or so increase with CPI. It is a couples world but most of them think I am better off because I have Super and on my own...but not true at all. We don't have a Voice.
    Min
    29th Jul 2014
    1:09pm
    Couples get more than those on a single Part Pension with the Super added but we pay 100 percent of electricity, Rates, Insurances, Phone, Car registration, repairs and services, petrol etc. I get $550 a fortnight from Centrelink and with my Super that comes to $32,000 per year Income which is less than Centrelink couples. Everything goes up and I may get a dollar or so increase with CPI. It is a couples world but most of them think I am better off because I have Super and on my own...but not true at all. We don't have a Voice.
    Min
    29th Jul 2014
    1:10pm
    Couples get more than those on a single Part Pension with the Super added but we pay 100 percent of electricity, Rates, Insurances, Phone, Car registration, repairs and services, petrol etc. I get $550 a fortnight from Centrelink and with my Super that comes to $32,000 per year Income which is less than Centrelink couples. Everything goes up and I may get a dollar or so increase with CPI. It is a couples world but most of them think I am better off because I have Super and on my own...but not true at all. We don't have a Voice.
    Hawkeye
    30th Jul 2014
    3:27pm
    Min, I'd shut-up if I were you. You get more than most contributors here. You get comparatively more than I do ($41,000 super only, for 2 people, with no concessions, rebates or allowances for another 6 years yet).

    Still, it would be only fair if the pensions that we have paid for through our taxes all our lives were paid to us all in full. But, we know that's not gunna happen, especially under this LIBERAL NAZI PARTY government, who need those funds to subsidise the rich.

    I can't see the difference between the pension scheme, that we have paid for all our lives through taxes, and superannuation, except that if our super was stolen from us like our pensions have been, then people would be in jail.
    Min
    29th Jul 2014
    1:24pm
    sorry...please delete the repeated comments. It would not accept my comment so I kept pushing the enter button
    particolor
    29th Jul 2014
    2:39pm
    Saying it 10 Times was enough Thanks !! We got the Message !! It sounded a lot like someone else Who Banks $600 a Month on the Pension ?? I pay all of that above on Half that Money Less all Your Perks ...
    particolor
    29th Jul 2014
    2:41pm
    Saying it 10 Times was enough Thanks !! We got the Message !! It sounded a lot like someone else Who Banks $600 a Month on the Pension ?? I pay all of that above on Half that Money Less all Your Perks ...
    Micky
    29th Jul 2014
    3:53pm
    I have been getting the aged pension for 3 years, my wife gets nothing and when i queried the amount i was receiving, I was told I would only get half of the married couple's pension.
    I was told by the Centrelink customer operator that if i wanted the full single pension i would have to divorce my wife of 30 years. AS IF THAT WAS GOING TO HAPPEN
    Micky
    29th Jul 2014
    3:53pm
    I have been getting the aged pension for 3 years, my wife gets nothing and when i queried the amount i was receiving, I was told I would only get half of the married couple's pension.
    I was told by the Centrelink customer operator that if i wanted the full single pension i would have to divorce my wife of 30 years. AS IF THAT WAS GOING TO HAPPEN
    Micky
    29th Jul 2014
    3:53pm
    I have been getting the aged pension for 3 years, my wife gets nothing and when i queried the amount i was receiving, I was told I would only get half of the married couple's pension.
    I was told by the Centrelink customer operator that if i wanted the full single pension i would have to divorce my wife of 30 years. AS IF THAT WAS GOING TO HAPPEN
    Micky
    29th Jul 2014
    3:53pm
    I have been getting the aged pension for 3 years, my wife gets nothing and when i queried the amount i was receiving, I was told I would only get half of the married couple's pension.
    I was told by the Centrelink customer operator that if i wanted the full single pension i would have to divorce my wife of 30 years. AS IF THAT WAS GOING TO HAPPEN
    Micky
    29th Jul 2014
    3:53pm
    I have been getting the aged pension for 3 years, my wife gets nothing and when i queried the amount i was receiving, I was told I would only get half of the married couple's pension.
    I was told by the Centrelink customer operator that if i wanted the full single pension i would have to divorce my wife of 30 years. AS IF THAT WAS GOING TO HAPPEN
    Micky
    29th Jul 2014
    3:53pm
    I have been getting the aged pension for 3 years, my wife gets nothing and when i queried the amount i was receiving, I was told I would only get half of the married couple's pension.
    I was told by the Centrelink customer operator that if i wanted the full single pension i would have to divorce my wife of 30 years. AS IF THAT WAS GOING TO HAPPEN
    Micky
    29th Jul 2014
    3:54pm
    I have been getting the aged pension for 3 years, my wife gets nothing and when i queried the amount i was receiving, I was told I would only get half of the married couple's pension.
    I was told by the Centrelink customer operator that if i wanted the full single pension i would have to divorce my wife of 30 years. AS IF THAT WAS GOING TO HAPPEN
    Micky
    29th Jul 2014
    3:54pm
    I have been getting the aged pension for 3 years, my wife gets nothing and when i queried the amount i was receiving, I was told I would only get half of the married couple's pension.
    I was told by the Centrelink customer operator that if i wanted the full single pension i would have to divorce my wife of 30 years. AS IF THAT WAS GOING TO HAPPEN
    Micky
    29th Jul 2014
    3:54pm
    I have been getting the aged pension for 3 years, my wife gets nothing and when i queried the amount i was receiving, I was told I would only get half of the married couple's pension.
    I was told by the Centrelink customer operator that if i wanted the full single pension i would have to divorce my wife of 30 years. AS IF THAT WAS GOING TO HAPPEN
    Micky
    29th Jul 2014
    4:03pm
    What the hell!!!!!!!! how come this has been posted 9 times ????
    nico
    29th Jul 2014
    11:30pm
    I married; notified Centrelink and had my pension slashed nearly 40%. The irony of it all is my wife is not eligible for consideration and her income coupled with my reduced pension add up to less than when I was on a full pension.
    nico
    29th Jul 2014
    11:30pm
    I married; notified Centrelink and had my pension slashed nearly 40%. The irony of it all is my wife is not eligible for consideration and her income coupled with my reduced pension add up to less than when I was on a full pension.
    Not Senile Yet!
    31st Jul 2014
    4:12am
    Yep....no pension for you.....we are broke......soooo... broke!!!!
    Oh ....what's that????....60 billion for New American Planes......well you want us to stop anyone invading our country don't you???? And to stop the boats...eh???
    Now don't confuse yourself with the Immigration Policy....we need the cheap Labour......What was that???
    No we are not afraid of an invasion from within!! No you do not understand ....they are overseas investors.....no they are not buying Australia......it's just an investment!
    Oh I see...yes we were considering selling the Sydney Harbour Bridge
    .....but then we realised that if we did that.....we may not be able to have the fireworks on it for New Year......but maybe the negotiations to lease it one day a year might succeed to yield a more reasonable rate????
    Oh the increased Population means more tax income as well as the GST!!!! plus the Petrol tax!!
    Well you see the previous party mismanaged the increased revenue....and we have to fix that.....so we are sorry but No Pensions until you are 70....that way we only pay the dole for 5 years 65 to 70......save the country (us) all the money the others lost!!!
    What's that? You can't live on the Dole because inflation has eaten it's value!!!! Well we are sorry....but that is not our problem is it.....because it is now your problem isn't it? Perhaps you should get a job eh?
    Not Senile Yet!
    31st Jul 2014
    4:13am
    Yep....no pension for you.....we are broke......soooo... broke!!!!
    Oh ....what's that????....60 billion for New American Planes......well you want us to stop anyone invading our country don't you???? And to stop the boats...eh???
    Now don't confuse yourself with the Immigration Policy....we need the cheap Labour......What was that???
    No we are not afraid of an invasion from within!! No you do not understand ....they are overseas investors.....no they are not buying Australia......it's just an investment!
    Oh I see...yes we were considering selling the Sydney Harbour Bridge
    .....but then we realised that if we did that.....we may not be able to have the fireworks on it for New Year......but maybe the negotiations to lease it one day a year might succeed to yield a more reasonable rate????
    Oh the increased Population means more tax income as well as the GST!!!! plus the Petrol tax!!
    Well you see the previous party mismanaged the increased revenue....and we have to fix that.....so we are sorry but No Pensions until you are 70....that way we only pay the dole for 5 years 65 to 70......save the country (us) all the money the others lost!!!
    What's that? You can't live on the Dole because inflation has eaten it's value!!!! Well we are sorry....but that is not our problem is it.....because it is now your problem isn't it? Perhaps you should get a job eh?
    Not Senile Yet!
    31st Jul 2014
    4:13am
    Yep....no pension for you.....we are broke......soooo... broke!!!!
    Oh ....what's that????....60 billion for New American Planes......well you want us to stop anyone invading our country don't you???? And to stop the boats...eh???
    Now don't confuse yourself with the Immigration Policy....we need the cheap Labour......What was that???
    No we are not afraid of an invasion from within!! No you do not understand ....they are overseas investors.....no they are not buying Australia......it's just an investment!
    Oh I see...yes we were considering selling the Sydney Harbour Bridge
    .....but then we realised that if we did that.....we may not be able to have the fireworks on it for New Year......but maybe the negotiations to lease it one day a year might succeed to yield a more reasonable rate????
    Oh the increased Population means more tax income as well as the GST!!!! plus the Petrol tax!!
    Well you see the previous party mismanaged the increased revenue....and we have to fix that.....so we are sorry but No Pensions until you are 70....that way we only pay the dole for 5 years 65 to 70......save the country (us) all the money the others lost!!!
    What's that? You can't live on the Dole because inflation has eaten it's value!!!! Well we are sorry....but that is not our problem is it.....because it is now your problem isn't it? Perhaps you should get a job eh?
    fat
    31st Jul 2014
    5:34pm
    we are being discriminated on marital status and age.the government should be held responsible for this discrimation.george
    fat
    31st Jul 2014
    5:39pm
    we are being discriminated on marital status and age.the government should be held responsible for this discrimation.george ps. I only get less than 20,000 a year on pension and savings investments.
    darilor
    4th Sep 2014
    6:43pm
    I am 65 years and 2 months (born 10 July 1949).
    I stopped to work in August this year.
    I could apply for age pension from 10 July 2014 but have already ca AUD 50,000 of income for current financial year.
    Will this income be counted when I am applying for pension?
    Is everything counted as per financial year or starting from date of application for pension?
    darilor
    4th Sep 2014
    6:43pm
    I am 65 years and 2 months (born 10 July 1949).
    I stopped to work in August this year.
    I could apply for age pension from 10 July 2014 but have already ca AUD 50,000 of income for current financial year.
    Will this income be counted when I am applying for pension?
    Is everything counted as per financial year or starting from date of application for pension?
    darilor
    4th Sep 2014
    6:43pm
    I am 65 years and 2 months (born 10 July 1949).
    I stopped to work in August this year.
    I could apply for age pension from 10 July 2014 but have already ca AUD 50,000 of income for current financial year.
    Will this income be counted when I am applying for pension?
    Is everything counted as per financial year or starting from date of application for pension?
    darilor
    4th Sep 2014
    6:43pm
    I am 65 years and 2 months (born 10 July 1949).
    I stopped to work in August this year.
    I could apply for age pension from 10 July 2014 but have already ca AUD 50,000 of income for current financial year.
    Will this income be counted when I am applying for pension?
    Is everything counted as per financial year or starting from date of application for pension?
    darilor
    4th Sep 2014
    6:43pm
    I am 65 years and 2 months (born 10 July 1949).
    I stopped to work in August this year.
    I could apply for age pension from 10 July 2014 but have already ca AUD 50,000 of income for current financial year.
    Will this income be counted when I am applying for pension?
    Is everything counted as per financial year or starting from date of application for pension?
    darilor
    4th Sep 2014
    6:43pm
    I am 65 years and 2 months (born 10 July 1949).
    I stopped to work in August this year.
    I could apply for age pension from 10 July 2014 but have already ca AUD 50,000 of income for current financial year.
    Will this income be counted when I am applying for pension?
    Is everything counted as per financial year or starting from date of application for pension?
    darilor
    4th Sep 2014
    6:43pm
    I am 65 years and 2 months (born 10 July 1949).
    I stopped to work in August this year.
    I could apply for age pension from 10 July 2014 but have already ca AUD 50,000 of income for current financial year.
    Will this income be counted when I am applying for pension?
    Is everything counted as per financial year or starting from date of application for pension?
    darilor
    4th Sep 2014
    6:43pm
    I am 65 years and 2 months (born 10 July 1949).
    I stopped to work in August this year.
    I could apply for age pension from 10 July 2014 but have already ca AUD 50,000 of income for current financial year.
    Will this income be counted when I am applying for pension?
    Is everything counted as per financial year or starting from date of application for pension?
    darilor
    4th Sep 2014
    6:43pm
    I am 65 years and 2 months (born 10 July 1949).
    I stopped to work in August this year.
    I could apply for age pension from 10 July 2014 but have already ca AUD 50,000 of income for current financial year.
    Will this income be counted when I am applying for pension?
    Is everything counted as per financial year or starting from date of application for pension?
    darilor
    4th Sep 2014
    6:43pm
    I am 65 years and 2 months (born 10 July 1949).
    I stopped to work in August this year.
    I could apply for age pension from 10 July 2014 but have already ca AUD 50,000 of income for current financial year.
    Will this income be counted when I am applying for pension?
    Is everything counted as per financial year or starting from date of application for pension?
    darilor
    4th Sep 2014
    6:43pm
    I am 65 years and 2 months (born 10 July 1949).
    I stopped to work in August this year.
    I could apply for age pension from 10 July 2014 but have already ca AUD 50,000 of income for current financial year.
    Will this income be counted when I am applying for pension?
    Is everything counted as per financial year or starting from date of application for pension?
    darilor
    4th Sep 2014
    6:43pm
    I am 65 years and 2 months (born 10 July 1949).
    I stopped to work in August this year.
    I could apply for age pension from 10 July 2014 but have already ca AUD 50,000 of income for current financial year.
    Will this income be counted when I am applying for pension?
    Is everything counted as per financial year or starting from date of application for pension?
    darilor
    4th Sep 2014
    6:45pm
    I am 65 years and 2 months (born 10 July 1949).
    I stopped to work in August this year.
    I could apply for age pension from 10 July 2014 but have already ca AUD 50,000 of income for current financial year.
    Will this income be counted when I am applying for pension?
    Is everything counted as per financial year or starting from date of application for pension?

    18th Jun 2015
    2:34pm
    Actually I have just heard of this and was not sure about the things that could have been done over the years. It will be such a shame if you would not be able to implement all of it in the things that you do now. ::: more here :::
    BAT
    11th Sep 2018
    11:16am
    Wow! How come everyone's comments are doubling up? Computer glitch!


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