Most useful information for retirement years

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  1. How to manage your payment
  2. Change of circumstances

Your Age Pension after your partner dies

When your partner dies, we need to reassess your income and assets. To stay eligible for Age Pension you need to meet the thresholds as a single person.

  1. Work Bonus
  2. How it works

Work Bonus balance

We use your Work Bonus balance to offset your eligible income so you keep more of your pension if you’re working.

  1. Top payments
  2. Utilities Allowance

Who can get Utilities Allowance

You get this allowance if you get certain payments from us. You don’t need to apply for it.

Payment schedule and rates for people outside Australia

We’ll pay your pension differently if you live outside Australia on a permanent or long term basis.

  1. Top payments
  2. Work Bonus

How a Work Bonus works

The Work Bonus reduces the amount of your eligible income that is calculated in the income test. This helps us work out your rate of payment.

  1. Retirement years
  2. Most useful information

Home Equity Access Scheme partnered application form (SA310)

Use this form if you have a partner and are applying for loan payments under the Home Equity Access Scheme.

  1. Top payments
  2. Home Equity Access Scheme

Who can get a loan under the Home Equity Access Scheme

You must meet certain requirements to be eligible for a Home Equity Access Scheme loan.

  1. Home Equity Access Scheme
  2. How much you can get

Interest rate for loans under the Home Equity Access Scheme

We charge an annual interest rate of 3.95% that compounds each fortnight on the Home Equity Access Scheme loan balance.

  1. Top payments
  2. Pension Supplement

How much Pension Supplement you can get

The amount of Pension Supplement you get depends if you are single or in a couple.

  1. Home Equity Access Scheme
  2. Who can get it

Qualifying pensions for the Home Equity Access Scheme

You must be eligible for a qualifying pension to access the Home Equity Access Scheme.

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Page last updated: 17 November 2025.
QC 60146