Should I apply for the pension even if I know I’m not eligible?

Dorothy knows she is not eligible for the Age Pension, but should she apply anyway?

Should I apply for the pension even if I know I’m not eligible?

Dorothy knows she is not eligible for the Age Pension, but wonders if she should go through the process anyway?


Q. Dorothy
I have reached the age when I'm eligible for the Age Pension. I'm sure I won't get anything because we have too many assets. However, I'm wondering if I should go through the process of claiming so that I'm "on the books" as it were, in case there are other benefits I can get?

A. This is a very labour-intensive way of finding out the benefits that you are entitled to and we wouldn’t recommend going through the process of applying for the Age Pension as a fun way to pass the time.

Depending on your exact situation, you may be eligible for a Commonwealth Seniors Health Card. This card helps with the cost of prescription medicines and other health services, if you are of pension age but do not qualify for the Age Pension.

If you don’t qualify for a payment from Centrelink or the Department of Veterans Affairs, have reached Age Pension age, meet the income test and are an Australian resident currently living in Australia, then you will be eligible for the Commonwealth Seniors Health Card.

The Commonwealth Seniors Health Card provides you with cheaper medicine under the Pharmaceutical Benefits Scheme, a bigger refund for medical costs when you reach the Medicare Safety Net and bulk-billed doctor visits (depending on your doctor).

Your state or territory government and local council may offer you more. They may lower your:

  • electricity and gas bills
  • property and water rates
  • healthcare costs, including ambulance, dental and eye care
  • public transport fares

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    Disclaimer: All content on YourLifeChoices website is of a general nature and has been prepared without taking into account your objectives, financial situation or needs. It has been prepared with due care but no guarantees are provided for ongoing accuracy or relevance. Before making a decision based on this information, you should consider its appropriateness in regard to your own circumstances. You should seek professional advice from a Centrelink Financial Information Services officer, financial planner, lawyer or tax agent in relation to any aspects that affect your financial and legal circumstances.


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    19th Jul 2019
    I'm about to give up reading YLC. I'm so sick of the "PensionChecker" popping up every time I read an article!!!
    Polly Esther
    19th Jul 2019
    This I believe is an "I'm going to have a go at stirring everyone up and if I succeed I'll get off on it" article.
    19th Jul 2019
    Go to the Centrelink website or make an appointment with a Centrelink Financial Adviser to get the correct answer
    19th Jul 2019
    The headline is simply a lead in to the infomercial and pensioncheck popup. It makes no claims to be anything other than clickbait – "Are you eligible for an Age Pension? Do you know your rights? The PensionChecker™ tool has all the information you need."
    19th Jul 2019
    Jeez, what a bunch of grumpy old buggers!

    If the article doesn't appeal to you then don't read it and why comment? Sometimes people just like to grizzle!

    I was actually interested to know whether it was worth making an application and frankly, for someone on the margins of the asset or income test, it wouldn't hurt to have a crack and understand what they need to do to qualify. It may be that rearranging one's financial arrangements could make the pension accessible.

    The point of the article is that many people lose sight of the fact that a CSHC is a valuable right. Good advice.
    19th Jul 2019
    exactly. If the article doesn't appeal to you then don't read it, pointless complaining as it was clear what it was about.
    21st Jul 2019
    Yes, apply anyway.....Centrelink's so disfunctional (as per recent unveilings of Centrelink fraud, some for 10+yrs), you may be accepted & dead before they find out. Sorry this may sound a bit callous, just don't trust Centrelink.

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