What are your full entitlements when you retire?

Christina won’t be eligible for the pension but wants to know what other help is available.

What are your full entitlements when you retire?

Christina won’t be eligible for the pension but wants to know what other help is available now that she has been forced into retirement by a redundancy.

•••

Q. Christina
How do I find out what my husband and I are entitled to from the Queensland Government, Brisbane City Council and the Federal Government? My husband is 70 years old and working full-time on a good salary. I am 66 years old and no longer working after being made redundant by the Queensland Government. I volunteer at a koala hospital and in a creek catchment group.

I contacted Centrelink and was told I am not eligible for a pension or for a payment for volunteering or for health or transport cards. I have attempted to find out what I am entitled to, but I have found the system so convoluted and impossible to get a definitive answer. My question is, what am I eligible for? 

A. In most circumstances, a Seniors Card is available to Australians aged 60 and over, who are not working full-time.

The cards are issued free by the relevant state and territory government and enable holders to receive a wide range of discounts on public and commercial activities.

This can be especially useful for those who have retired, or those who are working fewer hours but do not yet qualify for the Age Pension.

Eligibility criteria and concessions available vary, so contact your State/Territory Seniors Card office for details. 

Changes to the Pension Loans Scheme, which came into effect on 1 July, means you are also able to access some of the capital you may have tied up in assets if needed.

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    COMMENTS

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    in2sunset
    12th Jul 2019
    9:55am
    This makes me angry...part of a couple, hubby on good wage, but you want to sponge off the tax payer. The pension (and other benefits) are for people who NEED it, not just want something extra. Plenty of other pensioners would class themselves lucky to be in your situation.
    Mindy
    12th Jul 2019
    10:30am
    Boy, you are an angry old man!! Chill out before you die early.

    It was just a question and the answer was that they only qualified for the seniors card - which really only gets you public transport discounts.
    ourjeffie
    12th Jul 2019
    11:53am
    in2 sunset : If I broke my leg I would be angry, but I wouldn't get angry about a person asking what their entitlements are!

    Mindy, a Seniors Card entitles cardholders to an extensive range of discounts, not just public transport
    sunnyOz
    12th Jul 2019
    12:27pm
    I'm with you 'in2sunset'... totally agree with your comment.
    Greg
    12th Jul 2019
    1:14pm
    It's a Seniors Card, just some discounts off overly inflated prices. Members of many different clubs/organisation can probably get similar discounts, it's not a big deal. The government IS NOT handing out any money to anyone.
    Stuart
    12th Jul 2019
    10:37am
    Make an appointment with the Financial Information Service, which is part of Centrelink.

    They will provide you with advice on exactly what are entitled to.

    I found their assistance invaluable is helping us to understand and claim entitlements.
    ozimarco
    12th Jul 2019
    1:37pm
    Good advice, Stuart. We did that and were advised that, if I split my super with my spouse, who, at that time, was still several years away from pension age, we could draw a part pension. Without this advice, we would have missed out on four years' worth of part pension.

    In many Western European countries, drawing a pension is not regarded as sponging off the government. People there are entitled to a pension, based on the number of years they were employed, regardless of assets. I only worked in my native Belgium for a couple of years, yet I am drawing a small pension from them. Not once have I been asked about our assets. I could be a multimillionaire and it wouldn't make a difference.
    Rae
    13th Jul 2019
    9:13am
    Yes ozimarco but western europe is very civilised compared to the wild west mentality here. We also suffer the tall poppy syndrome which europe seemed to have avoided.

    Europe does not punish saving or investing in the way we do. There is actually incentives to saving there.
    Greg
    12th Jul 2019
    1:16pm
    Human Services website has a great feature, put in your income/situation and all the benefits/services available pop-up for you viewing pleasure.
    KB
    12th Jul 2019
    1:18pm
    The lady was only asking a question. No need to be angry. Seniors Card offers a wide variety of discounts . Discounts off hair buts movies and eating outt
    KB
    12th Jul 2019
    1:18pm
    The lady was only asking a question. No need to be angry. Seniors Card offers a wide variety of discounts . Discounts off hair buts movies and eating outt
    hillwing
    12th Jul 2019
    1:41pm
    YOU wrote "Changes to the Pension Loans Scheme, which came into effect on 1 July, means you are also able to access some of the capital you may have tied up in ASSETS if needed."

    CentreLink write "own REAL ESTATE in Australia that you can use as security for the loan"
    https://www.humanservices.gov.au/individuals/services/centrelink/pension-loans-scheme/who-can-get-it
    Sundays
    12th Jul 2019
    2:06pm
    While her husband is still working, on a good wage there will be no pension. Volunteer work is just that. They should revisit the issue when both retired. Also, if she was made redundant by Qld Government, she does have Superannuation which can be accessed any time.
    Rae
    13th Jul 2019
    9:16am
    And a redundancy pay out. However that doesn't make the discrimination any easier. It's the injustice that is hard to bear as Fern would say.

    Some equality once again would be nice.


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