General Q & A

This section of @boutSeniors website archives many of the questions you have emailed to us over the past 12 months. Here we answer your queries on pensions, Centrelink, computers, travel assistance, prepaid funerals, lost seniors cards and more!

If you have a question, just email and we will do our best!

Senior Australian Tax Offset

Q. Frederick
I am a 62 years old male. As such, I am not pension age. My wife will be over 63.5 years by next June. As such, she will reach pension age. Because I am working, she will not receive a pension. However, there is a tax rebate for Senior Australians. Because my wife is not eaning money, her Senior Australian tax rebate cannot be used. But, this unused amount is normally transferrable to the spouse. However, because I am not at pensioner age, I am not sure if I can use my wife’s unused Senior Australian rebate. Will you be able to answer this question please?

A.We’ve sought an answer from the ATO who inform us that both parties must be eligible for the Senior Australian Tax Offset, i.e. both of pensionable age, before the unused portion can be transferred.

I attach a link to some more information from the ATO’s website.

http://ato.gov.au/individuals/content.asp?doc=/content/36498.htm&pc=001/002/025/006&mnu=3388&mfp=001/002&st=&cy=1

Migrating to Australia

Q.Guy
I am a British pensioner considering moving to Australia to be closer to my son, daughter-in-law and grandchildren. I am concerned, however, what effect this will have on my pension payments. I have tried contacting your consulate but was left even more confused than ever with their answer. Can you help me understand if this will be financially detrimental? And are there any helpful websites for people like me thinking of making such a big move?

A.Provided by Hank Jongen, Centrelink General Manager
There are a couple of websites you can visit to find out how your situation may be affected by a move to Australia. To find out how your British pension would be affected if you choose to live in Australia, you should talk to the United Kingdom (UK) Department of Work and Pensions about your British pension. The website for the Department is http://www.dwp.gov.uk/index.asp

As a prospective migrant from the UK, you should also be aware of the minimum amount of time you have to live in Australia before becoming eligible for Australian Age Pension. Previously, an Agreement between the UK and Australia provided early access to Australia’s social security system, but that Agreement has ceased. Now, you will need 10 years qualifying residence before being eligible to claim Australian Age Pension.

Other Australian payments may be available after living in Australia for two years, for example, Special Benefit may be available for people who are experiencing hardship.
Further information is available from the Australian Department of Family, Housing, Community Services and Indigenous Affairs website:
http://www.facsia.gov.au/internet/facsinternet.nsf/international/uk-uk_info_migrants_prospective.htm

Australia’s social security payments are generally subject to an income and assets test. So should you qualify for a payment, the amount of income and assets you have will affect how much you can be paid. You can find out more about the Age Pension income and assets test by visiting www.centrelink.gov.au I hope you find this information useful.

Age Pension allowance

Q.Juanita
I am a 75-year-old widow and grandmother who has been offered part time work at my grand daughter’s school. I am very excited at the thought of rejoining the work force (thank goodness someone thinks I’m still useful!), but wonder how much income I can earn before my (full) Age Pension is reduced or taken away completely?

A.Provided by Hank Jongen, Centrelink General Manager
The Age Pension is income tested, so you need to tell Centrelink about any income you earn.

For a single Age Pensioner your Age Pension payments will not be affected if your income from all sources is $138.00 per fortnight or less. If you commence employment then your employment income will be added to any other income that you receive. 

You can receive a part pension if your income from all sources is $1,519.50 per fortnight or less. This amount is higher if your Age Pension includes Rent Assistance. 

If your income exceeds $1,519.50 per fortnight your Age Pension payments will completely cut out.

Age Pension payments are also assets-tested, so any shares, investments or property you own other than your family home may also affect your pension payments.

Seniors can test their eligibility for Age Pension by visiting their local Centrelink Customer Service Centre, logging onto the Centrelink website at www.centrelink.gov.au or calling 13 2300.

Age Pension query

Q.Mark
I am 59 and on the Disability Pension.  I was born 14.4.49, when do I transfer to the Age Pension?

A.Provided by Hank Jongen, Centrelink General Manager
The Age Pension is a safety net giving people who have reached Age Pension age adequate income in retirement.
To qualify for Age Pension a man must be aged 65 or over, but women qualify for Age Pension at different ages. From 1 July 1995 the minimum age for women to receive Age Pension began to increase.
By 2014, the minimum qualifying age for women will be 65 years, making it the same for everyone. Until then, the qualifying age for women depends on their date of birth.

Click here to view the Age Pension table which shows when women qualify.

Allocated annuity

Q. David
I want to cash in the remaining amount of my Allocated Annuity, how would that affect my pension?

A. Provided by Dante De Gori, Technical Manager - Business Support, ClearView Retirement Solutions & MBF Life Limited
The rule with Centrelink is that unless they are notified otherwise, any commutation (lump sum withdrawal) will be treated as additional income from their allocated annuity/pension and therefore affect the income test for the Age Pension.

If you notify Centrelink that it is a Lump Sum withdrawal then it will not be treated as income but rather the treatment will depending on what the client does with the money. For example if they place it into their bank account then the value of that bank account will be assessable under the assets test and then deemed under the income test.

Allowable earnings

Q. Ron
I am about to retire, but have been asked if I would be prepared to assist on a casual basis in the future, if needed. Could you please advise me how much a person about to go on the full age pension is allowed to earn per week without affecting their pension.  My husband is on the full age pension already.

A.Provided by Centrelink General Manager, Hank Jongen
Centrelink works out the pension rates under the income test and the assets test and pays whichever is the lower of the two rates

As the Age Pension is income and assets tested, you need to tell Centrelink about any income you earn and any shares, investments or property you own other than your family home, as it may affect your pension payments.

To receive the full Age Pension, the combined income of you and your partner needs to be less that $240 each fortnight. Any income over this amount reduces the rate of pension payable by 20c in the dollar for each member of a couple.

In order to receive a part payment per fortnight, the combined income of a couple needs to be less than $2538.50 (including pharmaceutical allowance).

Under the assets test, to receive a part pension, couples who own their own home can have combined assets up to $856,500, while couples who do not own their home can have assets up to $981,000. As I said, the home itself is not counted as an asset.

I would suggest that you take a look at the Pension Bonus Scheme before you retire. If you register for the scheme, when you reach Age Pension age and work a minimum of 960 hours over the next 12 months, you may be entitled to a tax-free lump sum bonus when you do claim the Age Pension. Centrelink offers confidential, free, independent and expert information through the Financial Information Service (FIS). FIS Officers can give you information to assist in planning for your future and retirement.

And don’t forget to ask about Utilities Allowance, Telephone Allowance and even Rent Assistance if you don’t own your own home.

To find out more about the Pension Bonus Scheme or any Centrelink Retirement payments, services or products, call 13 2300, visit your nearest Centrelink office or log on to the Centrelink website http://www.centrelink.gov.au .

Emergency mobile communication

Q. Judy
I was wondering if there is a product that can be worn by a pensioner in & out of home for emergency calling.
My father is 85 and lives alone and there are no relatives living in a close proximity.  All family live in another state.

A. There is a system called VitalCall, that is operated by Chubb.  They provide a simple to use mobile device that can be activated by pressing a large button.  Once connected to a member of staff, who can access previously supplied information, they will arrange for the necessary emergency service to attend.  For more information, call 1300 360 808 or visit their website by clicking the link below.

www.chubb.com.au

Commonwealth Carelink Centres

Q. John & Jasmine
What help is available for pensioners to stay in their own homes?

A. There are so many factors which determine what help is available, i.e. physcial ability and financial position.  Commonwealth Carelink Centres will give you precise and up-to-date information on what is available in your area.  You can contact them by calling 1800 052 222, or visit their website by clicking the link below.

Commonwealth Carelink Centres

Moving interstate

Q. Keith
We are thinking of moving from SA to Victoria.
Do you know where we might find information to compare concessions on such things as council rates,electricity, gas, wood and car registration. We need to compare these to ensure we can afford to live there once we move.
Any help would be appreciated.

A. Many thanks for your email and interest in AboutSeniors.

Below is a link to a document which lists concessions available to those living in Australia, which may give you an idea of whether you can afford to make the move or not.

http://www.office-for-children.vic.gov.au/policy-planning-funding/state/guide

Long haul travel

Q. Johan
My mother is 81 years old and wheelchair bound as her left leg was amputated some years ago. We are emigrating to Australia and want to take her with us. How will she handle a 10 hour flight and how will she manage to get to the toilets etc. There will be a person flying with her but is it possible for her to get on and off the toilets?

A. All airlines will offer assistance through airports, and for getting on and off flights, if booked in advance and many airlines will allow for a carer to travel with your mother, however, they will be solely responsible for her wellbeing, i.e. making sure she gets to the toilet, is comfortable during the flight, etc.  Also, she will not be allowed to take her own mobility aid onboard, the airline will provide a cabin suitable aid.

Depending on the size of aircraft, there may be disabled toilets onboard, though she may have to cope with standard aircraft sized toilets.

With regards to how your mother will cope with the long flight, that really depends on how well she is physically, notwithstanding her disability.  Long haul flights are tough on even the most able bodied and active passenger, so perhaps a discussion with her physician is required before you consider making the trip.

Before booking anything, you really need to contact the airline and explain your mother’s situation as you know best her abilities and the airline will be able to advise you accordingly.  SAA require you to complete a medical questionnaire prior to travel so they can assess how best to cater for a passengers medical needs.
We hope that she is fit enough to make the journey and you all can get on and enjoy your new life in Australia.

Sydney discounts

Q. Joe and Peggy
Good Day We are planning to travel to Australia from America in November and will be spending about a week in Sydney before going on a cruise. Will we be able to take advantage of senior rates at attractions and transportation. Also is there a website you can recommend to us to plan our time in Sydney. Thank you for your time and assistance.

A. Many thanks for your email and interest in AboutSeniors.

Certain businesses in Sydney offer discounts to holders of a Seniors’ Card, which is issued by individual States to their residents who meet the necessary criteria.  Although not bound to do so, many business will honour this discount if you have proof of your senior status, so it always pays to ask.

Below we have provided links to what we consider to be three of the best sites giving information on what’s on in and around Sydney and NSW.

www.visitnsw.com
www.sydneyaustralia.com
www.whats-on-in-sydney.com.au

We hope you both have a wonderful and safe trip.

Reverse mortgages

Q. Mary
We are struggling to make ends meet on the Old Age Pension (husband nearly 71 years old), Partners Allowance (I am 63 years old), and a little bit of interest from my superannuation.
We like staying in our unit, and wondered if you have heard about the Bendigo bank - they have a scheme in which they can “buy half your home”.  I am nervous about selling to anyone other than my children (who can’t afford to do this) and wondered if you had any advice for us....and our friends who are also considering doing this. Thank you

A. There are many older Australians who find themselves in the same position as you do.  A reverse mortgage, as this type of loan is commonly know as, is one way to fund your lifestyle however, it is a major financial decision and should not be taken lightly.

In the first instance, I suggest you contact SEQUAL (Senior Australians Equity Release Association of Members) who are as close to a governing body on this type of lending that there currently is.  They have lots of tips and advice as to what you should look out for, how the loans actually work in practice and a list of members who provide such loans.  You can visit their website by clicking the link below.

www.sequal.com.au

Also, the services of a good, independent financial advisor should be sought.  If you don;t already have a trusteed planner, then visit the Financial Planning Association’s website by clicking the link below.  They will assist you to find a reputable and certified planner in your area.

www.fpa.asn.au

With all matters financial, it pays to be cautious and have as much impartial information to hand as possible.  We hope that the two links above help make your decision easier.

One-off bonus payment

Q.Jill
As aged pensioners I believe we are entitled to a $500 bonus from the Government to help with escalating costs.
Can you tell me where I can find information on this? Have searched Centrelink website but can’t find any mention of it, only the utilities allowance, but this is not what I am referring to.  The amount I’m referring to is the one-off the previous Government gave us last year and the current Government promised us this year.

A. The information given on the one-off bonus payment is limited.  The $500 will be paid to individuals who are of aged pension age and are eligible for either the Utilities Allowance or the Seniors Concession Allowance will be entitled to the payment. Both eligible members of a couple will receive the bonus and these bonuses will be paid to recipients by 30 June 2008.

As yet, there is no date given for the payment but as we are fast approaching June 30, it should be very soon.

If you need any further information, you should contact your local Centrelink office. 

National Seniors Card

Q. Bruce
Just found your great site.  I’ve read about the use of seniors cards interstate and was wondering if the Rudd government has been aproached to have an Australian Seniors Card or facilitate the use of one state’s card in other states?

A. You are correct, one of the Rudd Government’s pre-election promises was to extend seniors discounts for travel across state borders into a National discount scheme.  This has yet to be delivered - we are keeping a close eye on this issue and will report updates in our weekly Enewsletter.

Super co-contribution

Q. Graham
I have just finished reading the article on the government co-contribution. I am wondering if I am eligible?
I am 62 and have retired owing to a heart problem. I work as a mystery shopper and earn approximately $200 per month which is declared to Centrelink. I have an ABN. My pension is $459 per fortnight. If I was to contribute $1000 per year to my super fund would I be entitled to the co-contribution?

A. Many thanks for your email and interest in AboutSeniors.  Unfortunately we do not hold a financial services licence and therefore are not qualified to advise whether or not you would be eligible for the co-contribution.  We would suggest contact the Financial Planning Association, who, as part of Financial Planning Week have experts on call to answer questions such as these.  You can access their site via the tile on our homepage, click the link below, and send your question to their experts.

http://www.aboutseniors.com.au/

We would love to know what the outcome is, it gives us a great idea of what people are entitled to, and helps us to keep people informed.

Bonus & CPI carer payment

Q. Graeme
Has any one got a rough idea when these payments will occur?

A. There has been no date set as yet for payment of the bonus payments other than they will be made this financial year, before 30 June 2008.  Should we be advised when they will be paid, we will post it on our site.

Retirement villages

Q. Simba
I do not have a house of my own and would like to get some information on retirement villages where people can rent.
I have a friend who rents a small one bed unit through the Uniting Church at Springwood NSW. I understand that you have to put your name down on a waiting list.
Do you know of other similiar organisations where I can seek the same thing. Is there a listing available Australia wide or state by state?
I gather that by law, some (or all) retirement villages have to offer something like 20% of their accommdation to people who do not have their own house and need to rent. Is this true?

A. The Retirement Village Association have lots of useful information of their website, which you can access by clicking the link below.  This will give you details of all the villages that are in your area.  They also have the contact details of state offices, which should be able to put you in touch with those in your area that deal with renting properties in retirement villages

Retirement Village Association

Reverse mortgages

Q. Fred
Can you point me in the right direction to borrowing money on my house which is not paid back untill you die and you don’t pay interest Thanking you in anticipation

A. The first port of call for any advice, information or possible recommendations on reverse mortgages should be Senior Australians Equity Release Association of Lenders (SEQUAL).

Ambulance services, WA

Q.Claude
I have been given conflicting advice regarding this topic, hence my query… Do Seniors qualify for ambulance services in WA without any fees/charges (of course providing they are in an emergency situation)?
I am currently covered by private insurance, but was informed that this was not required by Senior Citizens.
Would appreciate your clarification.

A.If you are an aged pensioner then you qualify for free ambulance services in WA and senior citizens over 65 years of age get 50% discount.  For more information on free and reduced ambulance services, click the link below.

www.ambulancepolicy.health.was.gov.au

Rent assistance

Q.Denise
I would like to know if my husband and myself are entitled to rental assistance. We rent in the private market and my husband is working but not myself. What is the limit in order to qualify for rental assistance?

A.Answer provided by Centrelink
Rent Assistance is a payment provided to help Centrelink customers paying private rent or service and maintenance fees in a retirement village. To be eligible for Rent Assistance you must be receiving a payment from Centrelink (including more than the base rate of Family Tax Benefit Part A), which have their own income and assets limits. For more details, call Centrelink on 13 2300 or visit www.centrelink.gov.au and search ‘Rent Assistance’ to find information and factsheets.

Allowable earnings

Q.Malcolm
According to Centrelink rules a single pensioner is allowed to earn an additional income of approximately $130.00 per fortnight without affecting their pension. Enquiries at Centrelink regarding the amount of earnings allowable for a married couple met with the response “you tell us what you and your wife are earning and we’ll tell you if it is within the guidelines”.

When I told them I am the only earner and that they already have that information they said “oh well, you already know what the allowable earnings are”. Is it possible that the allowable fortnightly earnings of a married couple, regardless of which partner actually does the earning, is different to that of single pensioner?

A.Answer provided by Centrelink
The pension income test uses a couple’s total combined assessable income, and then based on that income calculates their pension entitlement. Assessable income for pensions includes earnings but also income from all other sources such as investments, rental income or from businesses.
Pensioners who are members of a couple can earn up to $232 per fortnight combined without it affecting their Age Pension payments. Any income earned over this amount will reduce each member of the couple’s pension by 20 cents in the dollar. When couples are receiving more than $2530.50 per fortnight in combined income no pension is payable.
A single pensioner can earn up to $132.00 per fortnight without it affecting their Age Pension payment.

Australian pensions overseas

Q.Graham
My position is I am 64 next birthday and have been living in Thailand for 4 years. I brought 80,000 AUD here and have been living on this money. I have money invested in Aust. and am still paying tax. I have been told to get the aged pension at 65 I would have to stay in Australia for 2 years or I would lose it if I travelled outside Australia. I phoned centrelink and was told that I could return now and get newstart and then get the pension. This seems unbelieveable that I have worked all my life in Australia and am a 5th generation Australian, also have paid taxes all my life. Centrelink also told me that they did not consider this.  I consider this to be discrimination against someone who has done the right thing. My mother is still alive and my son and his children are in Adelaide. I travel home at least once a year to visit. I have emailed Centrelink but cannot get a personal response. I would be grateful for any information you can give me or any suggestions you may have.

A.We have passed your details to our Centrelink contact and asked them to respond to you direct.  In the meantime, we suggest you contact National Information Centre on Retirement Investments (NICRI), who can advise the best course of action for money you have invested in this country and may also be able to advise on your pension issue.

For more information on NICRI, click here.

Lost money

Q.Don
A couple of weeks ago you mentioned the email address of either ASIC or the ATO and said there were many unclaimed bank accounts and insurance policies awaiting owners.  I have deleted that newsletter but wonder if you could supply me with that contact number/address?

A.The website you’re looking for that has detailed information on how to claim “lost money” is http://www.fido.gov.au/fido/fido.nsf

Hiking clubs

Q.Denise
Can you advise if there are any hiking clubs in the Pine Rivers Council(Moreton Bay) area.

A.There are many hiking and bushwalking clubs in Queensland and I would suggest getting in touch with the Queensland Federation of Bushwalking Clubs, you can access there website by clicking here.  Also, there are a couple of links below that have details of other clubs in the Queensland are which may be of interest to you.

http://www.brisbane-australia.com/103353.php
http://www.bbw.org.au/links.htm

Utilities allowance

Q.Cassandra
I was wondering do we get the $125.00 payment 4 times per year or $500.  I am not sure hope you can help.

A.Thank you for confirming you were enquiring re the Utilities Allowance.  This payment is paid four times a year, on or in the fortnight after 20 March, 20 June, 20 September and 20 December.  For more information on this allowance, click here.

Autumn gardens

Q.Paul
What should I be doing to my plants to get them ready to survive winter?

A.Plants generally do their own preparation for the pending Winter, for example, deciduous plants lose their leaves, and herbaceous perennials die back and retreat underground.
Tidy the garden, pruning off any unruly growth.  Pull out spent flowering annuals and remains of harvested vegetables.
Mulch or re-mulch moist garden beds helps to keep the soil temperature warmer and prevents the soil from freezing.
Rake up fallen Autumn leaves and put them back onto garden beds or into the compost bin

Q.Drew
What plants should I be planting that will thrive in winter conditions and give my garden a bit of colour during the cold season?

A.Your garden doesn’t need to be dull in winter. There are an extensive choice of annuals, perennials and shrubs which bring your garden alive during this time. Plant annuals such as violas, pansies, and primula. From seedlings it will take 8-12 weeks to fully establish and provide welcome colour in your garden throughout Winter.

Some hardy permanent plants which flower during the Winter include helleborus, flowering japonica, euryops, cheiranthus, camellias, correa, proteas and ‘Winer Cheer’ kniphofias.
For perfume and flowers try growing daphne, sarcococca, pink luculia, mahonia and wintersweet (Chimonanthus praecox).

Q.Helen
Are there any vegetables that I can plant now that will be ready to eat in winter?

A.Often the vegetable patch is left fellow (empty) in Winter. There are many vegetables that can be grown through the cooler months including: broccoli, cabbage, cauliflower, carrots, lettuce, silverbeet, leeks, spinach, broad beans, and parsnips. For best results consult a vegetable guide for your local climate which will provide suggested varieties and planting times.

Asset limits

Q.Ann
Hi, could you pelase tell me how much money you can have in the bank without it interfering with the pension? Our house is only worth $90.000.

A.Answer provided by Centrelink General Manager, Hank Jongen
Thanks for your question, Ann. Firstly, a person’s primary residence is exempt from the assets test for Age Pension, so the value of your home is not counted by Centrelink.
If you have no other assets, and are a single pensioner, you can have $70,333 in the bank or invested before your pension starts to be affected. If you are a member of a couple, and have no other assets, you can have combined savings and investments of $122,333 before your pension starts to be affected under the income test.

M4/M5 cashback scheme

Q.Bern
Could you please give me information regarding rebates from M4 and M5 motorways, my brother has a form which he fills in each time he gets his statement and they send him back a refund cheque, could you please inform me how to go about it.

A.You can find out more about the M4/M5 cashback scheme by clicking the link below. This will give you details of residency requirements and how to claim.

M4/M5 cashback scheme

WorkVentures

Q.Bev
Can you advise if we have a supplier for laptop computers amongst those that give seniors a discount.  I have misplaced my book of discounters. 

A.WorkVentures offer refurbished PC’s and laptops to those on Centrelink benefits, you can find our more by clicking the link below.

WorkVentures

Also, if you hold a Seniors Card, you can get details of discounts on offer by contacting the Seniors Card office in the state you live.  You can find out details of these by clicking the link below.

Seniors Card

Life activities club

Q.Morag
I would like to know if you could advise me regarding my mother.  Just lately she has mentioned that she gets a bit lonely (she lives by herself since my dad died 7 years ago) and would like someone to have a cuppa with and a chat.  As she finds it a bit difficult to get around, and she also stresses when she has to go somewhere she is not familiar with, I wondered if you had people who visit people at home for a cuppa and a chat.  If you could help me with this (mum is 78) and a lovely lady who loves a chat.  I talk to her every couple of days (I work full time) and my son takes her to church every Sunday but she would like someone her own age to talk to.

A.How lovely for your mother that she has a family that cares so so much.  We think a Life Activites Club would be perfect for her, the nearest one to where she lives is Brighton.  They arrange all sorts of events that are geared towards the over 50s getting more active and involved in their local community One of the nice things about these clubs is that they undertsand people are a little apprehensive about going along to things on their own and they will arrange for someone to pick your mother up on her first visit.

For more information, visit their website by clicking the link below.  We’d love to hear how your mother gets on.

www.life.org.au

Dentures

Q.Vesna
I was wondering whether you could help me.  Both my parents are pensioners.  My dad is on the old age pension and my mother is in the process of Centrelink changing her from disability support pension to age pension (early January, 2008)

My parent’s next door neighbour today told my mum that as from 1st January, 2008 pensioners are entitled to $4,000.00 towards the cost of their dentures.  Is this true?  Could you please send me a reply at your earliest convenience as mum is in the process of getting new ones made.

A.Answer provided by Centrelink General Manager, Hank Jongen.
Thanks for your question Vesna. Centrelink is responsible for issuing Pensioner Concession Cards, which helps identify whether a person is in receipt of a pension. And while many people can access discounts on dentures and glasses because they are a Centrelink customer, those services are provided by State Governments. For information about whether you’re mother is eligible for money for her dentures, I’d recommend you contact your State Government.

Free eye glasses

Q.Jane
I have been trying to find out some information on the Centrelink site and there doesn’t seem to be any info on getting glasses. I believe one can get free glasses if you have the PCC, is that right? I have the kept the prescription.

A.Answer provided by Centrelink General Manager, Hank Jongen.
The Pensioner Concession Card provides customers with a range of discounts Jane, for example the Federal Government provides a discount on medicines through the Pharmaceutical Benefits Scheme and a range of other assistance is available through State Governments, such as discounted public transport.  Centrelink doesn’t offer discounts on prescription glasses, so I recommend contacting your State Government to see if they can help you.

Age pension while overseas

Q.Alex
Hello my elderly mother (Australian living in QLD) may come to live with me for a while in the USA. Can she still receive her pension, benefits etc if she stays with me for 6 months? Can she get assistance in the cost of her travel to her location with me, she is elderly and suffers from several medical situations?

A.Answer provided by Centrelink General Manager, Hank Jongen.
In most cases, customers receiving Age Pension can continue to be paid if they spend time overseas. Depending on the period of time a person is away, their rate of payment may be affected. Australia has a social security agreement with the USA, which means people can sometimes continue to receive their payments for longer than they would otherwise. Because a range of factors affect whether you can receive Age Pension while overseas, it’s important your mother contact Centrelink about her planned trip as soon as possible. Contact Centrelink’s International Services Team on +61 3 6222 3455 for more information

Disability support pension

Q.Tony
I am receiving a part D S P, my wife works full time, I would like to know that if my wife refuses to give me the info that is required by Centrelink (her wage details) in order for me to get my support pension, Is my wife legally obliged to supply that information?. Although married and have joint bank accounts and live in the family home, we do live seperate lives, and enjoy our own seperate closed off space within the family house.

A.Answer provided by Centrelink General Manager, Hank Jongen.
You’re right that Centrelink needs to know about your wife’s income in order to assess your eligibility for Disability Support Pension. The income and assets you and your partner have can impact on your rate of payment. Although your wife isn’t legally obliged to supply information to you to pass on to Centrelink, failure to do so will mean Centrelink cannot pay you because we can’t calculate your correct rate. If you are already being paid and your wife’s income changes, you must let Centrelink know to avoid an overpayment that you would have to repay. Contact Centrelink as soon as possible on 13 2717 to discuss your situation further.

Travel tips

Q.Michael
Hi, I have a question you might be able to help me with.  A couple of years back, I had some books sent to me, from different states, like cheap motels, food and travel.  As I’m off in May to visit NSW and QLD, I’m wondering if you could let me know where I can obtain these books.

A.You can obtain useful information from the tourist board for the states you are visiting.  The links below will provide details of these.

NSW
QLD

If you hold a Seniors Card, you can also get in touch with the state offices who will advise of any reciprocal arrangements they have with other states to provide discounts to card holders.  You can access contat details by clicking the link below.

Seniors Card

Have a great trip!

Seniors card

Q.Brigitte
My father is aged 62 and he receives a disability pension from Centrelink.  Should we be applying for a senior card?
If yes, where do I obtain a form?

A.Brigitte, Seniors Cards are issued to those aged 60 and over, not working full time and who meet the residency requirements.  They are issued by state offices, details of which can be found by clicking the link below.

Seniors Card

Retirement Villages

Q.Florence
Is there a web site where I can look at the 50 plus villages available in the South East Qld area?

A. For more information on retirement viallges in your area, we would suggest you visit the website of the Retirement Villages Association.  The RVA gives information on what to look for in a village as well as promoting villages that meet requried standards.  You can visit their website by clicking on the link below.

Retirement Village Association

Sport for over 50s

Q.Phyl
Would some clever person be able to tell me where the place is people of any age can compete in walking, running etc. i.e 50’s, 60’s, 70’s, 80’s, 90’s and even 100’s. I have looked under Veterans, and Seniors and Masters Games but cannot find what I am looking for. I would just like to have a look and see if I could walk and maybe run a bit and throw a Javlin and the hammer and maybe the disc, and have the fun of meeting other oldies and training, more than anything and going to competitions also.

A.Dear Phyl
Thank you for your query re walking and running clubs for “grownups”…we have done some research for you and recommend the following starting points – and congratulate you on your desire to keep moving!!!

Australian Runner magazine is a source of excellent events for runners of all ages. It is available from newsagents or by subscription – see the website http://www.ausrun.com.au/ for further information.
Aus Runner’s sister website, Start to Finish Events is another great source of events for those who like to run fast, to jog, to walk, or perhaps stroll with a pram. They are terrific activities through which to connect with like minded athletes. Website http://www.ausrun.com.au/start_to_finish/home_stf.html Another site that lists local running clubs by state is http://www.coolrunning.com.au/runningguide/wiki/index.php/VIC_Clubs - this takes you through to the Victorian page as you are interested in Latrobe Valley locations.
And for more general Athletics information, Australian Masters Athletics Inc lists national activities and clubs for those wanting to get off the couch and head out into the great outdoors for fun and fitness! Check out state links on this site http://www.australianmastersathletics.org.au/

Let us know how you get on.

Seniors’ Internet Fund

Q.Trevor
You mentioned the Labour Party’s promise to set up a Seniors’ Internet Fund. Does such a fund exist yet, and if so, how may I access further information about it?  I look forward to your reply & thank you in anticipation.

A.This fund hasn’t yet been established and we’ll be sure to advise when it is.  Telstra run a programme called Connected Seniors, which offer grants to community based organisation which meet certain criteria.  For more information, click on the link below.

Telstra Connected Seniors

Also, it may be worthwhile getting in touch with your local ASCCA club.  You can find out more details by visiting the ASCCA page on our website

Pension payment dates

Q.Maureen
Is there a calender or list of 2008 aged penson payment dates? I am making a calender for Mum and would like to put the pension days on it.

A.Unfortunately there is no list of pension payment dates that we’re aware of however, I’m sure if you contact Centrelink direct, they will be able to advise when payment is due.  You can find their contact details be cliking on the link below.

Centrelink Contacts

Overseas pensions

Q.Heather
I am a Canadian by birth, Montreal 1948, and moved to Australia in 1975, and now an Australian citizen too. I worked in Montreal from 1966 to 1975 and would like to enquire about a canadian pension.
Can you advise who and where I should approach.

A.To find out how to apply for your Canadian pension or what you may be due, you should get in touch with Service Canada, which offers access and information to a wide range of Government of Canada programs and services.  You can visit their website by clicking on the link below.

Service Canada

Q.Veronica
Hi there I was wondering if you can help me, I am 63 and I think I am old enough to get my Australian pension in May (although my husband still works so probably won’t qualify) but as I worked for a few years in the UK before coming to Australia and then returned to the UK in 1975 and worked for a short time, then I was wondering if I would eligible for a UK pension and if so how would I go about applying for it.

Any information you could send me on this matter would be much appreciated.

A. If you paid National Insurance contribution whilst working in the UK then you should qualify for a UK pension. The Pension Service in the UK have their own website which has many FAQ’s and information relating to UK pensions, this would be the best place to start.  They also have contact details which should help you apply for what you are due.  You can visit their website by clicking the link below.

The Pension Service

Sudoku problem

Q. Hi, when i go to the Sudoku page, all i get is the @boutSeniors page with no Sudoku puzzle, is there something i am doing wrong?
Regards, Geoff

A. Hi Geoff

There are a couple of things you will need to try. My first suggestion would be to try and open the page with a different browser, for example if you are trying with Internet Explorer currently, download Mozilla Firefox and try and view the page with that.

If that does not work, then you may need to download java. I believe if you click the link below and download/install it may help.

http://www.java.com/en/download/index.jsp

Part pension

Q.Keith
I am a widower and about to receive the age part pension.  Please advise the limit I can earn without affecting the pension.

A.Answer provided by Centrelink General Manager, Hank Jongen.
The Age Pension is income tested, so you need to tell Centrelink about any income you receive. You must inform Centrelink of the gross amount of wages you earn (ie before tax is deducted) as well as the value of all financial assets you have. Assets such as investments and loans are deemed to be earning income at a certain rate regardless of the actual rate. As a single person, if your total income is under $132 per fortnight, your Age Pension payments will not be affected. Above this income free area, your pension is reduced by 40 cents for every dollar of income you have so that you can still receive a part pension if your assessed income does not exceed $1,490.75 per fortnight (or more if you also receive Rent Assistance). Please note Age Pension payments are also assets-tested. You should contact Centrelink on 13 2300 for further information about how earnings affect the Age Pension.

Centrelink contacts

Dancing shoes

Q.Rasa
I’m a 54 y/o, divorced woman who is still active and would like to do some swing (or similar) type dancing lessons in order to have some fun, stay fit and meet new friends in Sydney in my age group. Do you know of any websites or organisations which could give me some contacts?

A.Dancing is a great way to stay fit, meet people and have fun. The Sydney Dance Company run seniors classes in different dance types. For more information, click the link below. Have fun!

Competitions

Q.I was rather disappointed that I could not enter your competitions because I live in ACT.  I have entered and won prizes through another publication so I cannot understand why this should happen with your competions.

A.We understand your frustration at not being able to enter our competions and by clicking on the link below, you can read our interpetation of the ACT Gambling and Racing Commission laws.

Competition entry

It is at the discretion of other publications how they chose to interpret such laws.

Pre-paid Funerals

Q.Frank
I’m a pensioner and my wife is in a nursing home, we are both on single old age pensions and I was wondering about the best way to go about prepaid funerals and also if there is any assistance for funerals etc, from Centrelink when we die?

A.At present, there is no assistance from Centrelink with the cost of funerals, however, for more information on the possible benefits a prepaid funeral plan or bond may have on your Centrelink assesment, click the link below.

Centrelink

Also, you may wish to contact the AFDA (Australian Funeral Directors Association)who will be able to give you more advice on how to chose the best plan for you and your wife.  You can access their website by clicking the link below.

AFDA

Keep dancing

Q.Rasa
I’m a 54 y/o, divorced woman who is still active and would like to do some swing (or similar) type dancing lessons in order to have some fun, stay fit and meet new friends in Sydney in my age group.  Do you know of any websites or organisations which could give me some contacts?

A.Dancing is a great way to stay fit, meet people and have fun.  The Sydney Dance Company run seniors classes in different dance types.  For more information, click the link below.  Have fun!

Sydney Dance Company

Irish travel card

Q.Ann
I would like to know if I would be entitled to an Irish travel card.  I receive a part pension from Ireland but am not sure if this entitles me to a travel pass.

A.To be entitled to an Irish travel card, you must be over 66 years of age and residing permanetly in Ireland.  For further information on Irish travel cards, please click the link below.

Irish Travel Card

Retirement village start-up

Q.Seema
I am interested in running a small retirement village for my religious community.  What are the first steps and what am I required to do?

A.Your first point of contact should be the RVA (Retirement Village Association).  They can advise on all aspects of setting up a retirement village.  You can find more details for the RVA by clicking on the link below.

RVA

Financing retirement accommodation

Q.Graeme
I recently visited some retirement villages, and was told that it is not possible to obtain a normal mortgage to finance purchase of a property.  My question is - are there any retirement villages/over 50’s resorts available that one can obtain a normal mortgage on?

A.Brian at the RVA (Retirement Village Association) has kindly answered this question for us.
In theory, a person who acquires a strata-title unit is able to take out a mortgage to help fund the purchase price - BUT if the unit is within a retirement village, the owner/operator would have most likely had a caveat imposed on title.

This would take precedence over any mortgage - so that any mortgage provided to the purchaser by a bank or other financial institution would therefore in effect become a second mortgage. As a consequence, it is beyond the ‘comfort level’ of banks to lend money for the purchase of a unit in a strata-titled retirement village and as a general rule, will not entertain it.

However - despite the above - some banks may consider loaning a modest proportion of the purchase money in some circumstances in exchange for a mortgage - but as indicated above, this is very rare.

As those who purchase a unit with a different type of tenure (loan/lease,loan/licence etc) do not own the title to the land - it is not possible for them to take out a mortgage with the land title as security.

Volunteering overseas

Q.Barbara
I want to do volunteer work while in India.  Can you help me with any contact details you may have through any church/volunteer associations please?

A.Volunteering while travelling overseas is a great way to get a real flavour for the country you are visiting and gives something to those who need it most.  We suggest getting in touch with Australian Volunteers International who can give you the most up-to-date and correct information.  You can access their website by clicking on the link below.

Australian Volunteers International

Seniors Card

Q.Avril
I am about to reach my majority! Please could you tell me how I go about getting a seniors card etc?
A.Seniors Cards are issued to those aged 60 and over, not wworking full time and who meet the residency requirements.  They are issued by state offices, details of which can be found by clicking the link below.

Seniors Card State Offices

National Seniors Association

Q.Mandy
I am enquiring on behalf of my parents (57/58) about a seniors card they heard about that they could pay a small sum for. I’m not sure where to look for a contact number about this for them.

A.I think the card they are referring to is the Nation Seniors Association card, which can be purchased for a small sum by those over 50 years of age.  You can find out more details by clicking on the link below.

National Seniors Association

Lost Seniors Card

Q.Warren
Recently I have not been able to locate my Seniors Card, and it would be most appreciated if a replacement could be sent to me.
A.To report your Seniors Card lost, you must contact the office in the state in which you reside, and therefore your card was issued.  You can access this information by clicking the link below.

Seniors Card Territory Offices

Getting ready for retirement

Q.James
Thanks for your latest edition of ‘About Seniors’. I have found it really helpful, especially the quiz about retirement planning.  I am 68 years old and have decided to fully retire and thought I had some plans in place, but am finding it difficult to begin to live the retirement life.  I keep thinking about work and the money I had coming in and the people I worked with and the sense of meaning gained from work. It is hard to give it up.  Is there anywhere you can go to help talk about some of the difficulties and to plan what one is going to do with their life? Is a Life Coach someone who could help or a Psychologist or Psychiatrist or maybe someone else?

A.When many of us are faced with a change in our lifestyle we can find it a little daunting and having someone to talk to is always useful.  I would suggest your first point of contact is your GP, who can talk through your options with you and may, under the Government’s Mental Health Plan, be able to refer you to a Psychologist.  This is covered under the Medicare Benefits Scheme and should be at little or no cost depending on your circumstances.  We also have details of some pre-retirement courses which may help and again, are at little or no cost.  If you get in touch with us and advise the area and state you live in, we’ll source some information for you.

Photo ID

Q.Gail
I receive the @boutSeniors newsletter and I was reading in the recent letter that you can get Photo Identification if you do not possess a drivers licence. Could you please give me of details of places in Western Australia that I can get one?

A.The Department of Planning and Infrastructure in Western Australia currently issues “proof of age” cards, which can be used in lieu of a driving licence when asked to provide photo ID.  You can find out the requirements, process for obtaining such a cards, as well as where they are issued by clicking on the link below.

Department of Infrastructure and Planning

Budget gardening

One of the best ways to save money and keep fit is to grow your own vegetables and plants.  Our gardening expert Teena answers two questions received on this very subject.

Q.Paul
I’d love to grow my own vegetables to cut down on my grocery bill but find it expensive to get started and imagine it to be difficult due to the current water restrictions.  Are there any tips you can give me to getting started cheaply?

A. Besides benefiting the household budget, growing vegetables at home is rewarding, good fun and ideal way of ensuring vegetables consumed are grown organically, or without chemicals.

Grow vegetables quickly for the best flavour. Nutrient rich soil is best.  Before planting incorporate plenty of compost produced from your compost bin or worm farm. All Organic waste products from the kitchen or garden including vegetable and fruit scraps, egg shells, lawn clippings, etc. can be used to produce valuable compost.

While vegetables are growing apply liquid fertiliser made by making a ‘tea’ mixture from manure or compost, diluted with water.

When harvesting vegetables leave one or two plants to mature and set seed. This can be collected and sown next season. Grow herbs such as basil, parsley and chives, and vegetables such as lettuce, tomatoes and pumpkin.

And finally although watering is difficult, particularly for areas with water restrictions I would collect any clean tap water from the home and use it on the vegetable patch.

Q.Betty
I take great pleasure in spending time in my garden and would love to do more to it but find plants form nurseries cost too much on my income.  Any ideas on which plants I can take cuttings from and how to make sure they grow?

A. Propagating plants at home is great fun and brings out your ‘nurturing’ qualities.
Firstly I would visit your local library to get a propagating book. It will describe methods of producing a variety of plants by a range of different propagating methods.  Perennials can be multiplied by division. Hydrangeas, pelargoniums and lavenders can be grown by cuttings.  Layering is the best method to grow woody plants such as magnolias, camellias and viburnums.

Man out of work

Julie’s looking for advice on how best to help her 50 something partner back into the workforce

Q. Julie
My partner is 52 and has been out of work for years.  He has various capabilities, legal and accounting, professional driving etc.  He feels he is discriminated against because of his age, particularly as staff in employment agencies are usually very young!  How can he get work?  Do you have any suggestions?

A. Our HR guru Gary suggests that it may be time for your partner to visit a career counsellor and work out what he wants to do with his remaining work life and how to go about achieving this.  A career counsellor will charge between $100 and $150 but this is an investment in your future.  Too often recruiters do not “get” what senior applicants have to offer.  It is worthwhile learning how best to present your skills and experience to maximise your chance of getting a job.  For more details contact the Australian Association of Career Counsellors via their website, www.aacc.org.au.

Walking friends needed

Heidi’s mother is looking for some friends with whom she can go walking and get more active.

Q. Heidi
My mother would love to find a group of women around her age that went out walking that she could join for a bit of exercise and to make new friends. She’s a 58-year-old house wife, so I’m not sure if she is too young yet for help with a Senior matter.

A. Never too young – we assist 30 and 40 year olds as well as the 60+ age group.  We would like to suggest that you contact a wonderful man called Alan Waddell who walks the streets of Sydney.  He really is an inspiration to all and I’m sure would be able to assist your mother with finding a group of like minded people with whom she can enjoy walks with.  We’ve attached a link to his website and hope this helps your mother getting out and about and being more active.

www.walksydneystreets.net/index.htm

Computer Courses

This week we’ve received several questions regarding computer courses and have chosen one to answer here that best represents what people want to know.

Q. Kim
I am trying to find a really basic computer course for my parents, my father has a vague knowledge, he basically plays games on it and mum knows nothing.
We are trying to encourage Dad to get better on the computer so as he can go to Uni and do History. Do you have any suggestions please of a good computer course for them?

A. The best place for both your parents to start would be ASCCA (Australian Seniors Computer Club Association).  They run clubs throughout Australia and have courses for the complete novice to those who maybe have a little knowledge.

You can find their details via the link below.

www.aboutseniors.com.au/index.php/articles/category/ASCCA

Visiting Tasmania - Seniors Card

We’ve had a few questions concerning Seniors Cards and Technology recently and we’ve featured a few that may help answer some of your questions too.

Q.Pam
My husband and I will be visiting Tasmania in June. Would it be possible to have whatever directories are available?

A. Please click on the link below and that will take you to the Seniors Card website.
/index.php/articles/category/seniors_card/
This will provide you not only with the contact details for the Tasmanian branch (which I have listed below) but a great deal of information which you may find relevant.

Level 4, 144 Macquarie Street Hobart
Postal Address:
GPO Box 123
Hobart Tasmania
Australia 7001

General administrative enquiries
Phone: 1300 13 55 13
Fax: (03) 6233 4164
Administrative Assistant
Pam O’Malley
Email:

Administrative Assistant
Trish Price
Email:

Seniors Card

Q.Peter
I am a self-funded retired New Zealander, now permanently living in Queensland and am aged 61, interested in getting a seniors card. According to the Seniors web site, I am ineligible for a Queensland Card, however I read that an Australian seniors card is valid in New Zealand. Looking on the New Zealand seniors card web site I find that I probably would be able to get their card, but that it would not be valid here in Queensland. Could you please tell me where you think stand in this regard.

A. Please refer to the link below which will allow you to contact the Seniors’ Card Queensland office and find out what you are eligible for.
http://www.communities.qld.gov.au/contacts/ and
http://www.communities.qld.gov.au/seniorscard/

Also worth a look is /index.php/articles/category/seniors_card/

It is also worth bearing in mind that many businesses will honour seniors card discounts to those visiting the state if they can prove their age, so its always worth asking if they will.

Forwarding Emails

Q.Lorraine
I have got a computer problem that l am hoping you can help me with. I wish to forward some e-mails, after removing all other people’s names that have received this e-mail before me. The e-mail also has some pictures and this is where the problem exists. I am using Windows Vista, Business.
These are the steps that l have been doing........
click onto CREATE MAIL
enter the e-mail address of whoever l wish to sent the e-mail to
minimise this Create Mail Box to the taskbar
select the message that l want to send from my inbox
highlight the part of the message that l want to send
Right click onto the highlighted part
select COPY
bring up the message box that l put onto the taskbar
Left Click in the blank area where the message goes
Right Click and select Paste
send message
Now the problem is, that at this stage l get a message that says SOME OF THE PICTURES IN THIS MESSAGE WILL NOT BE FOREWARED. DO YOU STILL WANT TO PROCEED?(or wording very similar to this). If l proceed to forward the message, then the -mails are sent without any pictures, only the text is sent. This happens with every e-mail that l send after deleting everyone else’s names. If l don’t get rid of the other people’s names, then the pictures in the e-mail are forwarded o.k.

A. Our guru at ASCCA has come up with this solution for you!
Can you ask Lorraine to try using the forward function instead of copying and pasting the text. After clicking on the Forward icon she can delete the names and/or test and/or photos from the email she does not want. I’m not sure if this will work, but it is worth a try.

The other issue that comes to mind is that the security settings may prevent the forwarding of pictures.  Firstly make sure the pictures are not open by any other program. Check your security settings: Tools, Options, Security, uncheck “Do not allow attachments...” and uncheck “Block images...”. The error message saying the image “could not be found” is misleading. It really means the image is blocked by security settings.

The latter suggestion comes from MicroSoft website.

Seniors Card

Q. Pino
I am aged 57. Can I get a seniors card?

A. Seniors cards are issued to Australians over 60-years-of-age (check Queensland eligibility). For more information, click here.

Desktop woes

Q. George
Help! My computer’s ‘background’ should be a rose named ‘Double Delight’. All the icons are there but when I right click desktop–properties, I get everything shaded so that I can’t get at the list.

A. Our thanks go to ASCCA members for the following response:
It would seem that your video is setup in ‘default’ drivers mode which means
It is running 16 colours. Windows needs at least 256 colours to make the
backgrounds work.

The first suggestion is either to use the drivers that came on the CD with
the video card or, if it is integrated in the motherboard, use the drivers
provided on that CD. In either case, you will find your image will automatically improve.

The second suggestion is to visit the website of the video card maker and
download the latest drivers for your Operating system, e.g. Windows XP. Once
downloaded, install the drivers as per instructions, usually this means double clicking on the downloaded file and following the prompts.

It’s important to restart after the download is finished. You should then be able to use any background in the list.

When someone dies

Q. Lorraine
What procedure should you follow when somebody dies at home suddenly: (a) if you are present (b) if nobody else is at home? Please help. My niece found her dad dead in the shower and she called the police. It took ten days before the coroner released the body. Did she do the right thing? 

A. We are very sorry to hear about the loss your family has suffered. If the dead person’s medical doctor was unknown and/or could not be notified, your niece did follow the right thing in calling the police. I’m sure the apparent delay in the body being released was due to correct procedures being followed. If you have any doubts, it may be worthwhile trying to speak to your state Coroner’s office. Just enter Coroner and the name of your state into Google to find out more. Or click here for information from Centrelink, plus download their excellent publication by clicking here

Benefits, safety and living arrangements

This issue, @boutSeniors answers your questions on relevant matters to your parents: carer payments, accommodation and personal safety monitor systems.

Q. Carol
I am caring for my mother in my home and was wondering if I am entitled to any financial assistance from Veterans Affairs. She is living with me permanently and has been since February. I am getting a carer’s allowance from Centrelink and part carer payment. She is a war widow and has gold card.

A. I believe you will find the website below useful.
http://www.dva.gov.au/health/pubs/carers/index.htm#assistance

It’s certainly worth giving Veterans Affairs a call on 1300 550 450, and stating your case so you can ask questions and gather all the information required. Hope this helps.

Q. John
Is there any printed info on availability on nursing homes and/or living in a
retirement village with meals supplied?

A. I would suggest visiting @boutSeniors, using the link
below, where it outlines the various options available and gives useful links
to independent bodies which can assist you with the information you require.
To go to the website, click here now

Q. Rene
Can you please advise if/where to purchase a personal monitor that senior citizens wear around their neck in case of emergency? I’m not sure of the correct name for such a gadget but my father-in-law is 82-years-old, lives by himself and although he is very strong and healthy, we just need such a device for his person peace of mind…

A. I know exactly the kind of system you’re looking for, my grandmother had one in the UK which enabled her to stay in her own home and gave the family piece of mind that, should anything happen, we would be alerted quickly.

I would suggest your first port of call to be your father-in-law’s GP. They have lots of useful information and should be able to assist with choosing which type of system would work best for him and advise if the Federal Government covers part of the cost of this service. To read a previous issue of our newsletter which deals with alert systems and hopefully you will find useful, click here. You can also browse our Your Parents section under ‘Aids, equipments and products’. I hope this information assists your search for the correct system for your father-in-law

Concession cards

@boutSeniors staff are here to help you find the answer to questions about, well, almost anything. To read answers to questions about different concession cards and how they work.

Q. Darryl:
I have a veterans affairs card. Can I use this card to get discount on my car registration and other bills? If so, where can I use this card? Additionally, how do I apply to companies to get the discount?

A. Please click on the following site for more information. http://www.dva.gov.au. You can then click on the state that you live in (on the left hand side) and find the contact details for that particular state office.

Q. Pauline:
I have lost my seniors card and I am wondering what to do about it.

A. It’s always stressful when cards go missing! Click on the following link and you should find the detail about the process to get a replacement.

An upsetting query

Q Judi: My mother is 81 years of age and moved into an assisted care unit a couple of years ago. Last year, I sought to move her to Sydney to be closer to my family. I was extremely lucky to find her a placement.

When she first went into assisted care, I sold her unit. The bond, which was asset based, was approx $190,000. They took 85% (I think) of her pension which left her with a few dollars each fortnight. After the bond was paid (plus the interest from when she had moved in until when we received the money from the sale), she was left with about $20,000. This is less than the $29,999 that I was told the Government insisted they be left with when working out the assets – this was because the ‘interest’ was not included in the asset statement. I never got my head around this.

Her second placement was happy to accept a transfer of her bond – which was at this stage $168,810.  All wonderful, until I found out that they actually took more than her pension – only a few dollars; however, I thought that wasn’t right. They informed me that if you pay a bond over $125,000, you are therefore not classified as a ‘pensioner’.

I cannot fathom this. Because my mum managed to look after herself and secure a small property, she is being penalised. She worked nearly all of her life, so paid her taxes. The rent has now been increased and she is now down nearly $40 a month. Then there are her incidentals to pay for – chemist, phone etc. I just don’t think it is right that she has to dip into her savings. I can finance her bits and pieces; however, it is the principle here that is annoying and upsetting me. 

A Although you haven’t managed to give us all the details, I’ve worked on this premise: your Mum paid a $190,000 deposit – now that sum is totally separate from any other daily fees or allowances. Let’s assume that your Mum was there for 24 months – using even the most up to date retention figure of $273.50 per month she should have been left with a transferable bond of about $183,000 – how did it get to $168,000 odd? I talked with the Aged and Community Care Help Line folk and they too feel this is an odd calculation.
I checked with them on the interest payable and it calculates to about $5,000. This can occur when the facility has essentially loaned you the asset (being access to the village), as you haven’t paid the bond. So they charge you for the ‘loan’ – and the retention, for that period of time. Again, the figures don’t quite match up – but I think we’re in the ballpark.
Two things come to mind – it’s not too late to go back to the first home and ask them to explain the bond payout. If this proves hard, or of you feel you are not getting the answers, don’t hesitate to call the Aged Care Complaints Resolution line on 1800 550 552. They can mediate if necessary or point you in the right direction for assistance. As to what might happen to any funds that may be due your Mum – that’s another ant’s nest altogether!
I’m not full of good news for the last query though – the amount your Mum is paying at the new home is pretty standard. I know it seems tough, but if the figures are right, they are playing it by the book. I can’t stress strongly enough to anyone considering moving into a facility to go over every document with a fine tooth comb – and a finer toothed lawyer. The devil, as they say, is in the detail.

Health and Welfare

Q. Earlsley: My husband will retire in July next year. I will continue to work. He would like to get the concession card for his medical and pharmaceuticals as he is dependent on many scripts per day and weekly injections for his Rheumatoid arthritis. 

We are on the understanding that this is not possible if I am working. Is this the case? He will be 61 at retirement. Also, he has the possibility of retiring on a disability allowance. Is this a better option for him while I continue to work?

A. Your husband won’t qualify for the Aged Pension until he is 65 – so retiring on the Disability Support Pension is his only option. This pension does have an income and assets test (which will include your income). You will need to contact Centrelink to find out how much your income will affect his payment. You might also qualify for the Carer Allowance (which does not have an income test)

As to bulk billing clinics, even if the practice does not routinely bulk bill, they will generally bulk bill holders of a Concession Card. Before selecting your new local doctor, ring around to see if the various doctors do bulk bill card holders.

Patient Travel Assistance

Q. Jenny: I‘m a 75-year-old pensioner who needs to go to Melbourne for an operation that cannot be done in Tasmania. Is it possible to get some help in the cost of travel to go there? Accommodation with friends is being arranged. Many thanks for any information you can give.

A. The Tassie state government has a “Patient Travel Assistance Scheme” – you can find more details at the below web address.
Go there

Outlook Express

Q. Camille: Do you know if there is any way of searching ALL folders? (I have a lot, and in the past I was spoilt by using LotusNotes which has this facility). If the answer is "no", do you know if MS Outlook has this facility? If the answer is again "no", can you recommend an email program which has good searching facilities. 

A. You can search all folders by getting the search box to search the highest level folder (in my case this is the ‘inbox') and then click to search ‘all sub-folders'. You might need to use the ‘browse' function to navigate to the top folder.

Rent Assistance for Pensioners

Q. Antonia: Could you please tell me if the amount shown on the Centrelink website for Rent Assistance (Couples, no children) is the amount paid to each person or the amount for the couple (i.e. $97.40 wife and $97.40 husband or $97.40 for both)?

A. This is not very clear on the Centrelink page but we found the table at Summary of Allowance Increases which summarised the recent changes effective 20 September 2006 and it clearly shows that the rate applies to the combined couple. 

Melbourne Living

Q. Monsie: I am going to finally fly to Aussie, on the 10th of November, after having been through so much in my country of birth...Could somebody direct me where is the best place to start looking for a place to live? I am a pensioner. I remember dear Melbourne well, but things have changed, and me too… please direct me! 

A. It's a bit hard to answer your question as I don't know what sort of accommodation you are looking for, or in what area. One website that might help is http://www.domain.com.au/ which has listings for houses to rent and buy as well as shared accommodation. You can also find the population demographics of the suburbs you are interested in. I hope this is a start.

Competition Page

Q. Bryce: Thank you for all the info you gave to me in an effort to rectify the problems I had experienced in the past. Unfortunately nothing helped, so as a last resort I wish to delete the version of seniors from my computer and re install a new version. 

    1. Is this possible?
    2. If so how can I find out how to do this even if it means rejoining @boutSeniors and not causing a stir?

A. Is your problem only the fact that the competition page still shows the September prize? If so, that is because we have not updated it – being so busy with the retirement planning survey and prizes, we ran out of time to do an October competition. So that page has not been updated since September which may explain why all the links look ‘used’.

We will, however, have our usual DVD competition in November, and the competition page will be updated then. If this doesn’t help and your problem is more ‘techo’, please email again.

Lost Pensioner’s Card

Q. David: My wife has mislaid or lost her Pensioner Concession Card, she last remembered using it about 3 weeks ago on a Bus in Sydney. Could you tell us how we can replace it.

A. We're sorry to hear that your wife has lost her Pensioner Concession Card. Unfortunately replacements cards cannot be issued over the counter, but you should contact Centrelink to organise a new card to be sent to you as soon as possible. Follow one of these links for the various ways to contact Centrelink: Telephone them, Write to them, Visit them or Message them.

Overseas Pensions

Q. Nora: I am not sure if this question is within your ''portfolio''.  My husband and I, both Age Pensioners, are currently overseas, absent from Australia for a 6-month holiday visiting our families in two different countries. Before we left, we advised Centrelink of our intended absence giving exact dates to them. Now, a little over three months later, we have accidentally found out that they have suspended our pension because we are overseas. I rang Centrelink to find out why our pension was suspended and was told " That is the rule''. No other was reason given.  I then twice emailed the CEO of Centrelink, first time over a month ago, but he has not replied to my letter. I looked up the Centrelink website, and it clearly states there that an Age Pension continues while a pensioner is overseas on holidays, adding that it may reduce after 6 months. (So far we have been out of the country for only 3 1/2 months). We will need to terminate our holiday early if our pension has been suspended but I cannot get definite answers so you are just one hope I have left to get some answers at this distance.
Thank you. Nora.

A. Not knowing all your circumstances we cannot give you an exact answer. While you are right that you can holiday overseas for 26 weeks with no loss of the Aged Pension, there are various circumstances where this does not apply. 

There is a special ‘overseas' part of Centrelink you should talk to (or email) about this as that is their specialised area. The email address is or you can phone them on +61 3 6222 3455

And Nora replies

Thank you for your very prompt reply to my query. I appreciate that. It appears that it is not the pension itself which has been suspended but the Pensioner Concession card… to use this, one has to be actually living in Australia at the time. Hence, we are unable to claim a Rates Rebate from the Local City Council as our PCC has been suspended.

UK Part Pension

Some words of advice from Sheila

To all UK Part Pension recipients.....

I recently have been holidaying in UK and after 4 weeks I was reading a ‘Saga’ magazine. The writer, Paul Lewis was explaining about ‘Frozen’ pensions and went on to say that any pensioner visiting the UK was entitled to claim the FULL pension whilst in the country. I immediately rang the UK pension office and they said ‘yes’ it would be alright. But sent me a form the next day telling me that I would be paid the full pension from the MOMENT I had contacted them, unless I could give them an explanation why I hadn’t done it before. My answer to that one was that I DIDN’T KNOW. Anyway my reason for this message is to tell other pensioners aiming to visit in the future should notify the department BEFORE leaving Australia.

The Pension Service International Pension Centre (IPC) deals with queries about United Kingdom benefits payable to overseas customers.

If you would like to make a claim to UK State Pension you can visit the e-claims section of our internet site.

For further information please visit our Website, which has general information as well as Australia specific information.

You can contact IPC on +44 191 218 7777 or fax +44 191 218 7293.
If you have speech or hearing difficulties you can contact us using a textphone on +44 191 218 7280.

You can contact us by email at

Hi All

A. We have done some investigations on your behalf and have come up with the following advice on funerals in Western Australia.. The following web page gives some useful information and also includes a link to find your local office to make an application.
Go there
Their brochure is also attached. Your son-in-law should also contact Centrelink on 13 23 00 to find out if he is eligible for:

• Bereavement Payment - a short-term payment for surviving relatives of people receiving various Centrelink benefits.
• The Bereavement Allowance may also apply.

If applicable, some other areas to look at are :

• Commonwealth Department of Veterans' Affairs: For returned service personnel. They may also be entitled to an official war grave.
• Health fund: Some health funds provide a funeral benefit.
• Trade unions, pensioners' associations and various other clubs may provide a funeral benefit.

The Australian Consumers Association also offers some good guidelines on finding a suitable funeral director and how to avoid paying too much:
Go there

The Australian Funeral Directors Association (AFDA) members and the AFDA Trademark represents security, care and professional service. Their members are bound by a strict Code of Ethics and Practice designed to meet both community needs and expectation in all aspects of service delivery. To find a funeral director in your area that is a member of this organisation, visit their website.
Go there

Yvonne, we hope this information will be of some assistance to your family at this difficult time.

@boutSeniors

If you are seeking information and think we can assist, just email us at to see what we can do.