Seniors cards are part of a free service issued by every state in Australia. The cards allow holders to receive a wide range of discounts on public and commercial activities, including public transport concessions and access to discounts on products and services from participating businesses.
In Australia, you're generally eligible to apply for a Seniors Card from your state or territory government once you turn 60 and are no longer working full time. The cards are non-means tested, but eligibility criteria and the benefits you're entitled to vary depending on where you live.
A Seniors Card gives you access to discounts and benefits on a range of goods and services in your state or territory. You can apply for one if you: are 60 years or over.
aged 60 or over, or will be turning 60 within 3 weeks. living in NSW. an Australian citizen or permanent resident. not working at all or averaging 20 hours or less a week of paid work across a 12-month period (if applying for a NSW Seniors Card)
Age Pension age
65 years and 6 months, if you were born between 1 July 1952 and 31 December 1953. 66 years, if you were born between 1 January 1954 and 30 June 1955. 66 years and 6 months, if you were born between 1 July 1955 and 31 December 1956. 67 years, if you were born on or after 1 January 1957.
Free or lower rates on other healthcare expenses. This can include ambulance, eye checkups, hearing and dental care. Discounts in some states on water and property rates. For example in WA, CSHC holders may be entitled to receive up to 50% rebate on water service charges.
The main difference is that the Pensioner Concession Card is available if you receive certain payments from the government, including the Age Pension. In comparison, to qualify for the CSHC you must not be getting a payment from the government.
In most cases, the CSHC income test threshold is now $90,000 per annum for single people and $144,000 for couples (they measure their combined income against this single threshold). But the thresholds have only been this high since November 2022.
The World Health Organisation believes that most developed world countries characterise old age starting at 60 years and above. However, this definition isn't adaptable to a place like Africa, where the more traditional definition of an elder, or elderly person, starts between 50 to 65 years of age.
The National Seniors Card aims to reduce pension poverty by offering a great selection of discounts and benefits that allow you to save on more than just public transport and healthcare.
Retirement age is a personal decision. Most people retire once they can access their super and/or the Age Pension. An early retiree under 55 years of age is not able to access superannuation or the Government Age Pension so another source of income is needed.
Retirement accounts have a 10% penalty for withdrawals taken before you turn age 59 ½. Therefore, if you retire at 50, you'll need to tap into other resources to finance those first 10 years. Those “other” resources will have to come from traditional savings or by withdrawing from your brokerage accounts.
To assess your eligibility for the Commonwealth Seniors Health Card, Centrelink assess your Adjusted Taxable Income (which includes your defined benefit) PLUS deemed income on your account-based pension (which is not included in your taxable income).
A concession card to get cheaper health care and some discounts if you've reached Age Pension age. To get this card you need to meet all these conditions.
The main purpose of the CSHC is to assist self-funded retirees of age pension qualification age with certain living costs by providing access to Pharmaceutical Benefits Scheme prescription items and certain Medicare services at a cheaper rate and payment of ES if qualified (1.2.
Whether your super is in accumulation or pension phase it is not directly counted in the Commonwealth Seniors Health Card income test.
You must meet an income test to get a Commonwealth Seniors Health Card. What you claim determines how we work out your adjusted taxable income. We use your adjusted taxable income to work out your eligibility for some payments or services.
Seniors Concession Cards. We focus below on two cards provided by the Federal Government; the Pensioner Concession Card (PCC) and the Commonwealth Seniors Health Card (CSHC), comparing the requirements for eligibility and making available a comparison of benefits.
The female staff member asked if I was a pensioner - when I ordered and did I have a pension card? I said yes and showed my pension card and she gave 10% discount on the purchase price. She said that every KFC gave 10% off the purchase price if you showed your pension card.
Introduction. The gold senior/pensioner Opal card gives holders unlimited travel for no more than $2.50 a day, when using public transport services across the Opal network.
To be eligible for a NSW Seniors Card, you must be a NSW permanent resident aged 60 or over, doing no more than an average of 20 hours of paid work a week, across a 12 month period.