The rules for those who move overseas

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Wayne is moving to the Philippines to live and work and is seeking advice on how that will affect his eligibility to receive an Australian Age Pension. 

Wayne: I am moving to the Philippines to live and start a small business with my wife. I am currently aged 54 and not eligible for the Age Pension. My question is will I be eligible to go straight on to the Age Pension at 65 or will I have to reside in Australia for two years before I can receive an Age Pension? 

A: As the Philippines does not have an International Social Security Agreement with Australia, you will need to return to Australia to claim an Age Pension and remain here for two years before returning to the Philippines.

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Written by Janelle Ward

62 Comments

Total Comments: 62
  1. 0
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    Does not mater that you lived in Australia for 54 years you are still a pauper according to the politicians and wait till the capitalists answer that

    • 0
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      The writing is already on the wall with the current rich man’s government. Retirees need to think back about how many times this lot have come after them, from reducing or removing pensions to telling people to sell up their houses and spend the money. Next will be Death Duties. It is coming. This lot will bring it in. Give them time.

  2. 0
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    You should have informed Wayne that as he is currently 54 he will not be eligible for the OAP until he is 67.

  3. 0
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    In my experiences I find that in situations like that the wife is approx. 15 years or so younger and with a business she would be working so the income and asset test would apply
    to her as well when Wayne is 67. So that would be the first hurdle and yes, Wayne would have to come to Australia to apply and would have to reside here for 2 years. However, it’s a
    long way off (him being 54) and things can change rather rapidly. Way to early to make plans.

  4. 0
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    It’s alright for our ex pat politicians like Mr Joe Hockey, to live overseas whilst collecting a pension and working though. Please Australia set rules on these politician pensions too.

  5. 0
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    I am currently 63 and already retired in Australia. I have very limited funds and would be eligible for the aged pension when I reach the age of 66 I think however as I am struggling to pay the cost of living in Australia I am looking to move overseas by the age of 65 where I can live for less money. I am thinking either Spain or Penang. Will I be able to claim the Aust Pension whilst living in either of these countries or will I need to be residing in Aust to be able to claim.

    • 0
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      Spain being cheap? Do not forget they changed into Euro money and
      things have changed drastically since then. Penang in Malaysia is a better prospect. You might still have to stay here though after applying for the OAP, normally 2 years. Look on the net for expat pension permit conditions for said countries and you might find that even the full pension from Australia being insufficient to qualify.
      People do not seem to realise the benefit of Medicare in this country and overseas they are required to get private health insurance. Looked into it extensively for mates of mine and after all considerations they are all still living here.

    • 0
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      I agree Cowboy Jim – Medicare is a bigee. AND do you trust some of these overseas medical centres???

  6. 0
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    I wouldn’t count on any welfare 13 years from now at the rate the LNP are destroying the welfare system with policy changes.

    • 0
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      Not only the Liberals, Rae! who changed the pension age? MR Rudd
      that’s who. They are all the same – Shorten will cut you short as well!

    • 0
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      Yes indeed they are all the same and destroying the past wealth willy nilly. I’m already short as I’m not eligible and I hope I never will have to rely on them as they are unreliable.

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      Having said that it was the LNP who sold our assets away blithely and the LNP budgets that betrayed my trust in any long term promises ever made by either party.

  7. 0
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    It’s a sad comment on our society when pensioners are talking about moving overseas because the cost of living is too high. I am 68 and on the pension. I sold my home and rent a unit in a retirement village. I am not ‘well off’ but I survive. Is overseas living really so cheap? And is the pension really so portable? You won’t get rent assistance I’ll bet.

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      Veritas, I am on the OAP and live in Bali. I can assure you that anyone can live well here on 30 grand a year. If you want to forgo a few luxuries make that 25 grand. That, plus the weather and way of life here certainly make it worthwhile.

    • 0
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      Do not need rent assistance here, I rent a nice 3 bedroom place with great gardens for 50 bucks a week.

    • 0
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      I would love to do the same Razor. BUT I am on pain medication and it is taboo in Bali – Indonesia. I wish it wasn’t. Good luck to you, Cheers

    • 0
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      So you are on the medicinal herb Veritas? Yes not a good idea to try that here. All the best with your plans, whatever they be mate.

    • 0
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      All is well in Bali until you need decent medical care. ..then people set up a GoFund me page to get home.

      I could not care less where people choose to live as long as they take on the responsibility when things go belly lup.

    • 0
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      Fair point Radish

    • 0
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      So just how many people Radish? I just had major surgery and paid the full cost myself. Yes I could have flown back and had Medicare pay it, but I chose not to. To live here on a retirement visa you must have full medical and life insurance. So if we are talking about OAP that live here that is a ridiculous statement.

    • 0
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      Fair point Razor from you too. It pays to do background checks – always

  8. 0
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    Jackie, Hockey is a ambaserda he would not know what a electricity bill was like let alone our fearless prime minister who lives in his wife’s house so I believe and and claim just under $300 a night tell that to an OAP

    • 0
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      What are you talking about Dreamer? Mr Turnbull lives in his own home in Sydney and at the Lodge in Canberra when in session. Where is he claiming just under $300 a night?

  9. 0
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    Is there a movement or petition we can be part of to demand that it doesn’t matter where you live once you’re on the pension? My wife and I are struggling with the cost of living in Oz and would be financially far better off overseas.

    • 0
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      Islandguy, I think that there will be increasing pressure in the years to come for people to be able to do exactly as you say, with far fewer rules and restrictions on the part of Clink. At the moment the ease and ability to live overseas on an Aus pension depends on negotiating the Clink rules and an individual’s rights to live as a non national of any given country – or dual nat as the case may be. See my reply to Taubs further down page.

  10. 0
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    oh I forgot our PM bank accounts in the Cayman islands why pay tax when you are PM

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