Applying for the government Age Pension

You can fall within the income limits for the government Age Pension even if you have a job. So, you might be eligible even when you’re working!

The earliest date you can apply is 13 weeks before your 67th birthday. Late applications won’t receive backpay, so aim to apply as soon as possible.

Processing times can vary, but it may take several months to receive your first payment after submitting your application. If there’s an error in your application, it can take even longer.

You might be eligible regardless of your partner’s age. While you’re assessed as a couple, you can still be eligible for your half of the government Age Pension before your partner turns 67. 

You will likely need your Tax File Number, statements for your super and bank accounts, and details for any investments you have – such as an investment property or shares.

A full pension means that you will receive the maximum pension payment. A part pension means that your income or assets are too high to receive the maximum pension payment, but you’re still eligible for some financial support. Take a look at how your income and assets affect your payment amount.

Yes, it can change, so it’s a good idea to regularly check whether you meet Age Pension requirements. Especially since thresholds can increase and you’ve likely spent some of your retirement savings over time. Retirement Essentials’ eligibility calculator can help with this.

It’s common to value the things we love at a higher price than they are worth. How you value your items can affect your Age Pension payment. Overestimating their value may reduce how much you’re eligible to receive.

On top of the Age Pension, you may also be eligible to receive concessions and financial support such as the Commonwealth Seniors Health Card, Pensioner Concession Card, Pension Supplement, and Rent Assistance. Check the Services Australia website for details.