- at least 65 years old
- meet an income and assets test
Eligibility & payment rates
Age requirements for Age Pension
To be eligible for Age Pension you must be 65 years or older.
From 1 July 2017, the qualifying age for Age Pension will increase from 65 years to 65 years and 6 months. The qualifying age will then increase by 6 months every 2 years, reaching 67 years by 1 July 2023.
|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|
Residence requirements for Age Pension
To be eligible for Age Pension you must satisfy residence requirements.
On the day you submit your claim, you must be:
- an Australian resident, and
- physically present in Australia
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 10 years with one of the periods being at least 5 years, unless you:
- are a refugee or former refugee
- 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 2 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.
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.
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||$788.40||$594.30||$1,188.60||$788.40|
|Maximum Pension Supplement||$64.50||$48.60||$97.20||$64.50|
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. Transitional 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
Check if you are eligible for this payment before you start your claim.
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
Do your Centrelink, Medicare and Child Support business using self service options, including our Express Plus mobile apps, online accounts and 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.
Advance payment options
You may be eligible to receive part of your Centrelink payment in advance. Accessing an advance payment depends on the type of payment you receive, how long you have been receiving it and the amount that you receive.
Age Pension while travelling outside Australia
To get your payment while outside Australia you must continue to meet the qualification rules for Age Pension.
Income and assets from outside Australia
If you and your partner receive income from or own assets in a country other than Australia, 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 if inside Australia, or on our International phone numbers if outside Australia.
Someone to deal with us on your behalf
If you want someone else to handle your Centrelink, Child Support or Medicare business you can authorise them to deal with us on your behalf.
Weekly payment option
You can receive your income support payment weekly, instead of fortnightly, in certain circumstances.
How much you earn affects your payment. We need to know what you have earned each fortnight so you are paid the right amount.
What to do if your account is overdrawn
There is support available to help you manage your money if you have overdrawn your bank, building society or credit union account.
International arrangements for Age Pension
Read 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.
Managing your money
Getting control of your money can be hard, but we’ve got some great advice and tools to help. Read more about budgeting, borrowing and credit, and managing debt, to help manage your money.