Pension Bonus Scheme

A lump sum payment if you delayed claiming Age Pension, kept working and are registered in the scheme.

Eligibility basics

  • you registered for the scheme before 1 July 2014
  • since you became eligible for Age Pension we haven’t paid you any income support except Carer Payment or Carer Service Pension
  • you pass the work test rules for at least 12 months from when you became a member of the scheme

You can’t register for the Pension Bonus Scheme anymore. If you’re registered for the scheme, you may get a Commonwealth Seniors Health Card.

Eligibility & payment rates

Who can get it

You can’t register for the Pension Bonus Scheme anymore.

Read more about who can get it

Residence rules

To get a pension bonus you must be an Australian resident and in Australia.

Read more about residence rules

Work test

You must work at least 960 hours each year to pass the work test.

Read about the work test


Only accruing membership can count toward your Pension Bonus. Non-accruing membership may allow you to stay in the scheme, even if you can’t work.

Read about accruing and non-accruing membership

How much you get

The bonus amount you can get under the Pension Bonus Scheme depends on how long you've been an accruing member of the scheme.

Read more about how much you can get

If you die before you get your bonus

We don’t transfer your Pension Bonus to your estate if you die before you claim.

Read more about what happens if you die before you get your bonus


Check if you are eligible before you start your claim.


  • find out what you need before you start your claim
  • fill in your claim form
  • submit the form and other documents we ask for
  • wait for us to assess your claim and tell you the result



My bank account is overdrawn

You can get help to manage your money if your bank account is overdrawn.

Read more about what to do if your account is overdrawn


Payment and Service Finder

Find, estimate and compare payments and services you may be eligible for. You can also work out what a change in circumstance might mean for the payments and services you currently receive from us.

Start using Payment and Service Finder

Manage your money


We’ve got advice and tools to help you with budgeting, borrowing and credit, and managing debt.

Read about how to manage your money

Page last updated: 11 December 2017