The rules for those who move overseas

Will Wayne still be eligible for the pension after living in the Philippines?

How moving overseas affects Age Pension

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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    COMMENTS

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    cupoftea
    5th Mar 2018
    10:24am
    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
    MICK
    6th Mar 2018
    3:06am
    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.
    Razor
    5th Mar 2018
    10:29am
    You should have informed Wayne that as he is currently 54 he will not be eligible for the OAP until he is 67.
    Cowboy Jim
    5th Mar 2018
    10:57am
    In 13 years' time it might be 70, Razor!
    Cowboy Jim
    5th Mar 2018
    10:40am
    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.
    jackie
    5th Mar 2018
    10:58am
    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.
    Triss
    5th Mar 2018
    11:56am
    Count Amanda Vanstone in as well, Jackie.
    Taubs
    5th Mar 2018
    11:59am
    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.
    Cowboy Jim
    5th Mar 2018
    12:07pm
    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.
    Veritas
    5th Mar 2018
    12:18pm
    I agree Cowboy Jim - Medicare is a bigee. AND do you trust some of these overseas medical centres???
    Rae
    5th Mar 2018
    12:06pm
    I wouldn't count on any welfare 13 years from now at the rate the LNP are destroying the welfare system with policy changes.
    Cowboy Jim
    5th Mar 2018
    12:09pm
    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!
    Rae
    5th Mar 2018
    1:29pm
    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.
    Rae
    5th Mar 2018
    1:30pm
    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.
    Veritas
    5th Mar 2018
    12:13pm
    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.
    Razor
    5th Mar 2018
    2:59pm
    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.
    Razor
    5th Mar 2018
    3:01pm
    Do not need rent assistance here, I rent a nice 3 bedroom place with great gardens for 50 bucks a week.
    Veritas
    5th Mar 2018
    3:34pm
    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
    Razor
    5th Mar 2018
    4:02pm
    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.
    Anonymous
    5th Mar 2018
    5:55pm
    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.
    Veritas
    5th Mar 2018
    6:01pm
    Fair point Radish
    Razor
    5th Mar 2018
    7:01pm
    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.
    Veritas
    5th Mar 2018
    9:04pm
    Fair point Razor from you too. It pays to do background checks - always
    cupoftea
    5th Mar 2018
    12:28pm
    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
    KSS
    5th Mar 2018
    12:39pm
    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?
    islandguy
    5th Mar 2018
    12:36pm
    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.
    Elizzy
    6th Mar 2018
    8:56pm
    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.
    cupoftea
    5th Mar 2018
    12:37pm
    oh I forgot our PM bank accounts in the Cayman islands why pay tax when you are PM
    cupoftea
    5th Mar 2018
    1:01pm
    And I'm back again the PM is paying $ 250 million on a private plane for the PM and the plane will be named after him tell that to the OAP
    Veritas
    5th Mar 2018
    1:06pm
    It really ticks me off when people bash the PM for being well off. He wasn't born with a silver spoon. Raised by his mother (single parent) he was a diligent student, went to Uni (scholarship) went into finance, worked hard, ended up climbing the ladder at Goldman Sachs Merchant Bank. If more people grabbed their opportunities they too might have 'Harbourside Mansions' - sadly I have not - but I don't begrudge him his !!!!!
    Puglet
    5th Mar 2018
    1:45pm
    Turnbull was raised by his father. He likes to pretend he and his dad were poor and that’s an insult to those who are REALLY poor - can’t afford heating, not sure how to pay bills and have to choose between food or paying for visit to the dentist. He was born with a silver spoon somewhere in his anatomy. Turnbull and his dad lived in a very wealthy suburb on the North Shore and he was sent to one of the most expensive schools in Oz. Through his dad’s contacts and his educational success he landed plum jobs that most of us would never get because we don’t have the rich people’s networks. His dad earned a big salary and left a lot of it to Malcolm. . Even Turnbull has backtracked on his claim he lived in poverty. Turnbull’s career in finance has been blotted by various financial scandals. Admittedly he had the benefit of marrying Lucy a very rich woman in her own right and good for them. Lucy’s family’s financial and political contacts helped them to get up millionsire’s ladder.
    Veritas
    5th Mar 2018
    3:36pm
    You are right Puglet, it was his father, but it wasn't all plain sailing. Good luck to him.
    cupoftea
    5th Mar 2018
    1:13pm
    I must of read wrong about our fearless PM who got left property worth $1.5 million that is a silver spoon pal
    Veritas
    5th Mar 2018
    1:38pm
    It's must have not must of - I rest my case dreamer
    cupoftea
    5th Mar 2018
    1:45pm
    KSS there is a house in Sydney its called Kirribilli so I believe with security, cooks, correct me if I'm wrong
    Veritas
    5th Mar 2018
    1:51pm
    He does not live at Kirribilli dreamer, that residence is only for official functions He lives in his own house when in Sydney. KSS is right. You really need to read more and comprehend a whole lot better.
    Cowboy Jim
    5th Mar 2018
    2:47pm
    PM Bashing was not really the purpose of this topic, or do I miss something there?
    Anonymous
    5th Mar 2018
    5:57pm
    I find these subjects always end up being about politicians..no one can stick to the subject.
    jackie
    8th Mar 2018
    8:11am
    Veritas.....He doesn't live at Kirribilli because his home is more luxurious.
    cupoftea
    5th Mar 2018
    2:43pm
    Puglet need I say anymore

    5th Mar 2018
    3:33pm
    Only 54 and instead of thinking about saving and being financially independent , he's thinking about going straight onto taxpayer teat after not paying Australian Tax for 13 years

    Says it all really
    Cowboy Jim
    5th Mar 2018
    4:01pm
    Raphael - 13 years is a long time. He will have more sense by then -
    or maybe more money since he is in business. There is always hope.
    Lescol
    5th Mar 2018
    4:22pm
    Australian citizens should be paid an OAP based upon years of work in Oz and age. It should not depend upon assets, location, etc, Should the person choose to live oveersaes then so be it. I I find this matter obtrustive and really unjustifible. I welecome a change in the thinking of the national government. The needed thinking change will occur.

    cheers
    Veritas
    5th Mar 2018
    4:32pm
    Within reason Lescol. Providing you have paid taxes, although I suppose this would not apply if you can't work for whatever reason, but you must be a resident. I do believe though that you have the right, once you are on the OAP to live overseas.
    Razor
    5th Mar 2018
    5:04pm
    Veritas , if you have a 35 year working life in Australia you can live wherever you choose and get the full pension less supplements of course. If you only have 20 years you would get 20/35ths, but can still live overseas.
    Razor
    5th Mar 2018
    5:04pm
    Veritas , if you have a 35 year working life in Australia you can live wherever you choose and get the full pension less supplements of course. If you only have 20 years you would get 20/35ths, but can still live overseas.
    Veritas
    5th Mar 2018
    5:19pm
    I have a 50 year working life Razor, a full OAP, and a small piggy bank. 2008 depleted my super somewhat.
    I believe immigrants get part pensions from their native country - where they are applicable eg England.
    As I said, I would love to join you in Bali, but can't - ah well. All the best, Cheers
    Cowboy Jim
    5th Mar 2018
    5:27pm
    Yes Veritas - I get $100 a month from my native country, been here
    since 1970 but still get it. CentreLink helped getting it if needed.
    All people in Bali - good luck and may your health keeps up. Might have a few problems there myself and had a look at the hospitals over there.
    Razor
    5th Mar 2018
    5:46pm
    Cowboy, I had major surgery at Bali Royal Hospital in Denpasar 3 months ago, believe me mate, as good as any hospital in Australia.
    Veritas
    5th Mar 2018
    5:59pm
    I believe the hospitals are very good Razor. I don't use wacky baccy though it's codeine based pain killers (on prescription) that I use for migraines and back surgery that went wrong. Not allowed in your neck of the woods. Looking maybe Vanuatu?????
    Razor
    5th Mar 2018
    7:08pm
    Someone has misinformed you mate. If you have a legit prescription of course they are allowed here. I strongly recommend you make some more enquiries.
    Veritas
    5th Mar 2018
    9:05pm
    I rang the embassy in Canberra
    Razor
    5th Mar 2018
    11:15pm
    Mate if you mean you called the Indo embassy in Canberra I can understand. They would not know shit from clay. I'm telling you if you have a prescription you have nothing to worry about.
    Veritas
    6th Mar 2018
    9:13am
    It was Indo Razor - You serious Razor? I was told if I had 1 tablet in my bag even with a script and a letter from my doctor I would be arrested
    Razor
    6th Mar 2018
    11:05am
    Veritas, I am very serious. You have a script for your medication and declare it you have no problems.
    Razor
    6th Mar 2018
    11:09am
    Someone has pulled your leg big-time mate. People arrive here day in day out with all kinds of ailments, Cancer,Heart,high blood pressure etc.
    Razor
    6th Mar 2018
    11:09am
    Someone has pulled your leg big-time mate. People arrive here day in day out with all kinds of ailments, Cancer,Heart,high blood pressure etc.
    Veritas
    6th Mar 2018
    1:14pm
    Thanks for that, maybe Bali is back on the agenda
    Elizzy
    6th Mar 2018
    9:03pm
    Lescol, I agree. Pressure for what you describe will grow in the years to come as fewer and fewer people are able to pay off a house prior to retirement. I could not retire in Aus for that reason, neither in my country of heritage - both too expensive. I live in another EU country. BTW, Bulgaria has very very cheap houses. Lots of Brits and Dutch going there now!
    MD
    5th Mar 2018
    8:15pm
    In cases such as this and previous articles of varying similarity, one wonders whether the authors: this time Wayne, have chosen to supply the minimum of information in the hope of extracting maximum advise. Questions of this nature regularly seem to volunteer scant information. Were the fine detail supplied, that we might thus interpret the 'full picture', would perhaps cast this (and similar issues) in an entirely different light.
    Waynes' plan for relocating to another country; where he and his family plan a business, will surely benefit both the proposed country and himself and yet he is keen beforehand to establish whether his present country will make good on a foreseeable benefit - yet some 12-13 years down the track. Some folk might see this as Wayne wanting the best of both worlds: and could be interpreted as a somewhat mercenary attitude.
    Questions and corresponding answers to "Australian Age Pension eligibility" should reflect
    more of the big picture thus lending a more concise appraisal and negating any critical benefit of doubt.
    For example: if his wife is younger and they continue the business when he reaches pensionable age, will business income affect his entitlement ?
    Elizzy
    6th Mar 2018
    8:44pm
    Taubs, far easier to claim pension before you depart and receive three or four regular payments before you depart. When you settle permanently in another country Centrelink applies the /35ths rule after 6 weeks - read up on their site. Payments change to monthly. If you are thinking of going to an EU country get an EU passport via heritage rules if you can. You need to move to a country where renting is a life long possibility or be able to purchase a house out right. Check whether your chosen country has an ISSA with Aus. Check and recheck rules for non nationals living in the country. Research cost of medical insurance or whether you may have access to the country's socialised medicine system, if it exists. Check whether you will have to pay tax. Don't forget local taxes and rates. Familiarise yourself with the legal and banking systems. Learn about best ways to transfer money. Go with a firm determination to learn the language. Best of all, rent something for a year and try it out, not forgetting to get prior clearance in writing for your plans from Clink.
    Veritas
    6th Mar 2018
    10:36pm
    All good advice Elizzy also find out about your meds, are they legal and can you get them

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