Commonwealth Seniors Health Card concessions explained

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Sandra has just found out that she may be entitled to a Commonwealth Seniors Health Card (CSHC), but would like to know what concessions and benefits she would receive with this card.

Q. Sandra
I have recently applied for the Commonwealth Seniors Health Card. Up until now, I didn’t know that one existed for people of retirement age who are still working.

In my case, I’m 65 and working part time so I believe I meet the criteria, but this hasn’t been confirmed by Centrelink.

However, I need to know what this card entitles me to.

I know that it entitles me to Pharmaceutical Benefits Scheme (PBS) medicine, but what about concessions on utilities, car registration, and house and contents insurance?

A. The CSHC is granted to those over Age Pension age who do not qualify for an Age Pension due to their income and assets, but whose income is less than the threshold. Currently, these are:

  • $52,796 (single)
  • $84,472 (couple)
  • $105,592 (couple separated by illness).

These thresholds were indexed on 20 September 2017.

The CSHC does entitle you to some concessions, mainly PBS medicines. State and territory governments and local councils provide other concessions so these can vary greatly depending on where you live. You would have to contact the relevant government and council departments to confirm which concessions are offered.

Also, the concessions granted for CSHC holders are often not as extensive as those you would be entitled to if you had a Pensioner Concession Card.

As you are working part time, you may also be entitled to a Seniors Card, which is issued by state and territory governments. Eligibility criteria differs between governments, but generally you need to be over 60 and not working full time. You can find out more at ‘Seniors Card explained’.

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Is it worth making a pension claim if income is too high?

Should Michael make a pension claim even though he'll fail the income test?


Total Comments: 16
  1. 0

    Am going through this at present. I am amazed at the the level of irrelevant questions which are asked which have absolutely nothing to do with assessment and everything to do with wanting to pry.
    I suspect that this form is information gathering, for reasons unknown, and I fail to understand why existing legislation has not stopped this.
    YLC should read the form. Unbelieveable. Maybe give this some Press.

  2. 0

    i`ve just been through this process. However, I did not qualify as my wife is working full time.
    I`m in Queensland and have a Qld Government Seniors card which gives me discounted registration, small electricity discount and public transport.

  3. 0

    A lot better than N.S.W.yes the form is a hard to follow and i can see some people will need help and it should have been automatic if you lost your pension card.Just another Fed. Gov. stuff up but we expect that.

  4. 0

    My wife applied for the Common Seniors Health Card, shortly after she turned 65, some 8 months ago. She received numerous letters asking for additional information, which we took to Centre Link.

    But they continued to ask for additional information , all of which she had already supplied ( even Centre Link could not explain why they kept asking for ‘additional info’ .)

    Out of frustration so we started to send the info via registered post, to Canberra , but still no luck.
    A few weeks ago we got a letter, stating her application had been canceled and she must apply again…..

    To me, this is just gross incompetence .

    • 0

      Dancing with Centrelink is like dancing on the edge of a black hole. Some people just get swallowed up.
      The only required documents are – your identity, Tax notice of assessment and Centrelink schedules if you have an income stream. Give the application another shot – don’t let the government win the war by making people give up.

    • 0

      41 alpha the gov is paying serco to answer calls there office is in the uk it going to be like a lot of things gone offshore in stead of employing are own i dont know when this is going be, you will know it by the broken english

  5. 0

    I was told that all those who lost their PCC after Scumbag Hockey who called disabled rorters whilst he himself was rorting the Travel Allowance not one but several multiples of $288 a night WOULD have their PCC replaced by the CSHC. Then later Turnbull announced those that lost their PCC due to scumbag Hockeys changes to the assets test would have their PCC replaced. WELL, we were just over the limit on 1st January, so lost our PCC several months later. We were ASTOUNDED to learn that not only would we NOT get our PCC card back, but also were not entitled to the CSHC. SO SOMEONE THAT WAS JUST UNDER THE $1.2MILLION ON JANUARY1ST WAS ENTITLED. , BUT SOMEONE JUST OVER $815000 ON JANUARY1ST WAS NOT ENTITLED. I wrote to my MP but of course no answer. Maybe dirtbag Turnbull can explain this.

    • 0

      Mike, get a grip. Yes governments do things we hate but please move on. You are letting this have a very unhealthy effect on you. Any couple living on $81,500 are soooo lucky. I happily live on much, much less. Please, stop the hate and start enjoying your very large income.

    • 0

      I agree mike. The Assets and Income tests should be abolished. Pensions and all the add-ons for all those who apply and qualify.

    • 0

      “Scumbags”….”Dirtbags”….how easy it obviously is for a “LOWLIFE” such as yourself….. to name tag other fellow humans…..

      …….(“lowlife” is being very generous in describing you!)

  6. 0

    If indeed Mike has $815 K, not $81.5 K then he is exceedingly well off.

    • 0

      See Chris, I couldn’t even get my head around the full figure! Either way he should be enjoying it and leaving the govt benefits for those who actually do need a little help.

  7. 0

    Go to a Centrelink office.

    • 0

      we did that 3 months ago sat in there for 2.5 hrs paid parking every hr as well . 2.5 hrs after traveling 145 kms then 145km back home. and we were unable to see anyone in c/link midland , we only wanted to sort out csh card . we sent in forms but still have not heard from them in two and a half months. we live in the country

    • 0

      we did that 3 months ago sat in there for 2.5 hrs paid parking every hr as well . 2.5 hrs after traveling 145 kms then 145km back home. and we were unable to see anyone in c/link midland , we only wanted to sort out csh card . we sent in forms but still have not heard from them in two and a half months. we live in the country



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