Most useful information for working

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  1. If you need to attend an assessment
  2. What happens during and after the assessment

If you have a reduced capacity to work

If you have a medical condition that affects your ability to work, you’ll need to tell us. You may have a reduced capacity to work but we’ll need to assess this.

Income

Most types of income count in your income test. We use this and your assets test to assess if you can get a payment, and to calculate your rate of payment.

Sole trader or partnership income

Business income is counted in the income test.

  1. Top payments
  2. Income Bank

What an Income Bank is

Your Income Bank allows you to earn credits where your income is less than $528 a fortnight.

  1. Help for myGov, online accounts and mobile apps
  2. Centrelink online account help guides

Centrelink online account help - Upload documents

Instructions on how to upload and submit documents using your Centrelink online account.

  1. Top payments
  2. Income Bank

How an Income Bank works

You can earn up to $528 a fortnight under the personal income test before we reduce your payment.

Assets test for allowances

We use the assets test to help us work out if you can be paid an allowance and how much you'll get.

Liquid assets waiting period

The liquid assets waiting period is between one and 13 weeks.

  1. Centrelink self service
  2. Electronic messaging

How to manage electronic messaging

Your options and obligations for electronic messaging.

  1. Help for myGov, online accounts and mobile apps
  2. Centrelink online account help guides

Centrelink online account help - Update your family income estimate

Make sure your family income estimate is accurate to help you to avoid being overpaid or underpaid.

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Page last updated: 17 November 2025.
QC 60158