Most useful information for retirement years

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  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. Home Equity Access Scheme
  2. How to apply

Supporting documents for the Home Equity Access Scheme

When applying for the Home Equity Access Scheme loan, you’ll need to give us some supporting documents. If you don’t, we can’t assess your application.

  1. Work Bonus
  2. How it works

Types of income we apply the Work Bonus to

We apply the Work Bonus to employment and self-employment income. You need to tell us how much you earn so we can apply the Work Bonus and income test.

Lump sums while on income support

A lump sum is a one-off amount of money. They can count in your income test and may affect your payment from us.

  1. Age Pension
  2. How to manage your payment

Working while you’re getting Age Pension

If your income goes over the cut off point, we'll pay you $0 for that fortnight. In some situations, we can suspend your Age Pension.

  1. Commonwealth Seniors Health Card
  2. How to claim

Supporting documents for Commonwealth Seniors Health Card

We’ll ask you for some documents and information to support your claim for a Commonwealth Seniors Health Card.

  1. How much you can get
  2. Choosing your loan payments

Maximum rate of pension for a loan under the Home Equity Access Scheme

The maximum pension rate we use for a Home Equity Access Scheme loan includes any supplements you get.

  1. Top payments
  2. Home Equity Access Scheme

How to apply under the Home Equity Access Scheme

Complete the following steps to apply under the Home Equity Access Scheme. Before you start, check if you're eligible.

  1. Top payments
  2. Financial Information Service

What the Financial Information Service is

The Financial Information Service helps you make informed decisions about your finances.

Payment schedule and rates for people outside Australia

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

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Page last updated: 17 November 2025.
QC 60146