- age 65
- meet an income and assets test
Eligibility & payment rates
Age requirements for Age Pension
Your eligibility for Age Pension depends on when you were born.
Women born before 1 January 1949 reach qualifying age at 64 and a half, and women born between 1 January 1949 and 30 June 1952 at age 65.
Qualifying age for men born before 1 July 1952 is age 65.
From 1 July 2017, the qualifying age for Age Pension will increase from 65 years to 65 and a half years. The qualifying age will then rise by six months every two years, reaching 67 by 1 July 2023. See table below.
|Date of birth||Qualifying age at|
|1 July 1952 to 31 December 1953||65 years and 6 months|
|1 January 1954 to 30 June 1955||66 years|
|1 July 1955 to 31 December 1956||66 years and 6 months|
|From 1 January 1957||67 years|
Payment rates for Age Pension
There are different rates of Age Pension payments for single people and couples. Your rate also depends on your income, assets, and other circumstances.
|Pension rates (per fortnight)||Single||Couple each||Couple combined||Couple each
separated due to ill health
|Maximum basic rate||$776.70||$585.50||$1,171.00||$776.70|
|Maximum Pension Supplement||$63.50||$47.90||$95.80||$63.50|
The transitional arrangements apply to certain pensioners who were receiving part pensions as at 19 September 2009 and only applies until they would get an equal or higher rate under the new rules. Rates are indexed by CPI only.
|Pension Reform Transitional Arrangements Rates (per fortnight)||Single||Couple each||Couple combined||Couple each
separated due to ill health
Income test for pensions
Your income can affect the amount of payment you receive from us.
Assets test for Age Pension
The value of various assets you own can have an effect on your eligibility for a pension.
Refer to the assets test limits to view the current maximum value your assets can have before they affect your pension.
Asset Hardship provisions
If you are in severe financial hardship and have little or no entitlement to a payment, you can apply to be paid under the Asset Hardship provisions.
Residence requirements for Age Pension
To be eligible for Age Pension you must satisfy residence requirements. You must be:
- an Australian resident on the day you lodge your claim, and
- be physically present in Australia on the day you lodge your claim
You also need to have been an Australian resident for a continuous period of at least 10 years, or for a number of periods that total more than ten years, with one of the periods being at least five years, unless you:
- are a refugee or former refugee, or
- were getting Partner Allowance, Widow Allowance or Widow B Pension immediately before turning Age Pension age, or
- are a woman whose partner died while you were both Australian residents, and you have been an Australian resident for two years immediately before claiming Age Pension
If you have lived or worked in a country with which Australia has an international social security agreement, it may help you meet these residence requirements.
Other benefits while receiving Age Pension
Depending on your circumstances, you may be entitled to other payments and services such as:
Check if you are eligible for this payment before you start your claim.
You can submit a claim up to 13 weeks before you meet the age and residence requirements for Age Pension.
Once you have read about eligibility the next steps are:
- find out what you need before you start your claim
- begin a claim
- submit your claim
- provide your supporting documentation
- we will assess your claim and let you know the outcome
Managing your payment
You can do most of your Centrelink, Medicare and Child Support business using self service. There are options using mobile apps, online services or phone self service.
Change of circumstances while receiving Age Pension
You need to tell us if your circumstances change when you are receiving a payment. For example, if:
- your personal circumstances change
- you change your address
- your income changes
If you do not tell us about the changes within 14 days your payment may be affected. You may be overpaid benefits and you will probably have to pay the money back. If you deliberately do not tell us about changes, you could be charged with fraud.
While you are not required to advise if you leave Australia, you should contact us if you want to know how your payments may be affected.
Advance payment options
You may be eligible to receive part of your Centrelink payment in advance.
Age Pension while travelling outside Australia
To get your payment while outside Australia you must continue to meet the qualification rules for that payment.
Foreign pensions while receiving the Age Pension
If you have lived or worked outside Australia, and you are claiming or receiving Age Pension, you may also be asked to apply for a pension from that country and advise us of the outcome.
Your partner may also be required to claim a foreign pension if he or she has lived or worked outside Australia, even if they are not claiming a payment from us.
We can help you claim any foreign pension.
If you are receiving a foreign pension, this may affect the amount of Age Pension you receive. We use a commercial exchange rate to work this out.
For information on the current rates, phone Freecall 1800 050 041.
Someone to deal with us on your behalf
If you would prefer to have someone else handle your business with us, you can authorise a person or an organisation to deal with us on your behalf.
Weekly payment option
You can receive your income support payment weekly, instead of fortnightly in certain circumstances.
Help reporting your income
How much you earn affects your payment. We need to know what you have earned each fortnight so you are paid the right amount.
International arrangements for Age Pension
Find out more about Australia’s international and citizenship arrangements for Age Pension.
Select the options that describe your circumstances then explore a suggested list of possible Centrelink and Medicare payments and services online.
Select your state and topics of interest to find links to government and community organisation support.