Concession Cards, Supplements & Allowances

Reproduced from Centrelink's "A Guide to Australian Government Payments 1 January - 19 March 2010"

Pensioner Concession Card
Automatic Issue Health Care Card
Claim Required Health Care Card
Pension Supplement
Commonwealth Seniors Health Card
Seniors Supplement
Telephone Allowance
Utilities Allowance

Pensioner Concession Card

A Pensioner Concession Card is automatically issued to:

  • All age pensioners, Department of Veterans' Affairs Service pensioners and war widows receiving income support supplement. Income support pensions include Age Pension, Disability Support Pension, Wife Pension, Carer Payment, Parenting Payment (Single), Bereavement Allowance, and Widow B Pension;

  • Newstart Allowance, Parenting Payment (Partnered) and Youth Allowance (job seeker) recipients assessed as having a partial capacity to work or who are a single principal carer of a dependent child;

  • Older benefit recipients, that is: People aged 60 years or over who are receiving Newstart Allowance, Partner Allowance, Widow Allowance, Parenting Payment (Partnered), Sickness Allowance, or Special Benefit, and have been in continuous receipt of one or more of these payments (or an income support pension) for nine months or more.

  • Participants in the Pension Loans Scheme who are qualified to receive a part-rate pension.

Once people are no longer qualified for these payments, they must generally stop using their Pensioner Concession Card. However, in some instances, certain people can retain their Pensioner Concession Card for a short period after returning to work. These provisions are designed to assist people to make the transition from income support to work.

  • Disability Support Pensioners retain their Pensioner Concession Card for 52 weeks after losing qualification for the pension due to employment of 15 hours or more per week or because of the level of earnings from employment.

  • Wife Pension Recipients retain their Pensioner Concession Card for 52 weeks after qualification for payment if their partner has been receiving Disability Support Pension, and their partner loses qualification for the pension due to commencing employment of 30 hours or more per week, or because their partner's income from employment causes them to lose qualification for Disability Support Pension.

  • Older Benefit Recipients (as defined above) retain their Pensioner Concession Card for a further 26 weeks if their payment stops due to the person or their partner commencing employment, or due to the level of earnings from this employment.

  • Parenting Payment (Single) Recipients retain their Pensioner Concession Card for 12 weeks after losing entitlement to Parenting Payment (single) due to an increase in income due to employment. A Health Care Card is issued for the balance of 26 weeks, i.e. a further 14 weeks provided the recipient has been in constant receipt for the past 12 months of either:

    • an income support pension (except for a Special Needs Pension), or

    • an income support benefit (other than Austudy or Youth Allowance paid to students).

  • Newstart and Youth Allowance Recipients (job seekers):

    • Retain their Pensioner Concession Card for 52 weeks after losing qualification due to employment income, if they have been assessed as having a partial capacity to work, or

    • Retain their Pensioner Concession Card under the same provisions as Parenting Payment (single) recipients (see above), if they are the single principal carer of a dependent child.

A Pensioner Concession Card extension is also available, under certain circumstances, to people under age pension age who remain qualified for certain payments during a nil rate period under the Working Credit scheme.


Automatic Issue Health Care Card

The Health Care Card is automatically issued to people who are not qualified for a Pensioner Concession Card who are receiving:

  • Newstart Allowance, Partner Allowance, Sickness Allowance, Special Benefit, Widow Allowance and Youth Allowance (job seeker only).

  • Parenting Payment (partnered), Exceptional Circumstances Relief Payment, Farm Help Income Support and those entitled to receive the maximum rate of Family Tax Benefit Part A by fortnightly instalments.

  • Mobility Allowance.

  • Carer Allowance paid to parents/carers in respect of a child with a disability. The card is issued in the child's name. Other parents/carers of children with a disability who do not receive Carer Allowance may receive a Health Care Card subject to less stringent disability-related eligibility criteria.

Once people are no longer receiving these payments, they must generally stop using their Health Care Card. However in some instances, people can retain their Health Care Card for up to 26 weeks after returning to work. This provision is designed to assist people to make the transition from income support to work. The provision applies to long-term recipients of Newstart Allowance, Sickness Allowance, Partner Allowance, Special Benefit, Widow Allowance and Youth Allowance (job seeker). Former long-term recipients of Parenting Payment (single), Newstart Allowance and Youth Allowance (job seeker) who are a single principal carer of a dependent child also qualify for a Health Care Card extension (in addition to a 12 week Pensioner Concession Card extension).

A Health Care Card extension is also available, under certain circumstances, to people who remain qualified for certain payments during a nil rate period under the Working Credit scheme.


Claim Required Health Care Card

Specific types of Health Care Cards can be claimed in the following circumstances:

  • A low-income Health Care Card is available on application to people with income below certain levels. Once eligible, the qualifying income limits may be exceeded by up to 25 percent before eligibility for the card is lost. The income test applies to average weekly gross income for the eight weeks immediately prior to applying for the card. Income limits for the period 20 September to 19 March 2009 are:

    Single $452.00 pw
    Couple (combined) $753.00 pw
    Single or couple with one child $787.00 pw
    For each additional child add $34.00 pw

    These limits (except for the child add-on) are indexed twice yearly, in March and September, based on movements in the Consumer Price Index.

    There is no assets test for the low-income Health Care Card.

  • A foster child Health Care Card is available, on application, to assist foster children and carers. The card can be claimed by the foster carer on behalf of the child. The foster child Health Care Card is issued only in the name of the child, and can only be used to obtain concessions on services used by the child. The foster child Health Care Card is not means tested.

  • An ex-Carer Allowance Health Care Card is available, on application, to 16-25 year old full-time students with a disability or a severe medical condition. The card can be claimed by students who were in receipt of a Carer Allowance Health Care Card on the day before their 16th birthday. The ex-Carer Allowance Health Care Card is issued in the name of the student and is not means tested.

Certain residence requirements must be met to qualify for any type of Health Care Card; contact Centrelink for details.


Pension Supplement

  • A Pension Supplement is added to the regular fortnightly payment made to recipients of Age Pension, Carer Payment, Wife Pension, Widow B Pension, Bereavement Allowance, Disability Support Pension (except if aged under 21 without children) and to certain other income support payment recipients if the person has reached age pension age.

  • The maximum Pension Supplement combines the value of Telephone Allowance, Utilities Allowance, the GST Supplement and Pharmaceutical Allowance and an additional amount. It is currently $56.10 a fortnight for singles and $84.60 a fortnight for couples, combined.

  • The minimum Pension Supplement is an amount below which the Pension Supplement does not fall until income or assets reach a level that would otherwise reduce a total pension including Pension Supplement to nil. The minimum amount is currently $30.20 a fortnight for singles, and $45.60 for couples combined.

  • A Pension Supplement basic amount (former GST Supplement) is paid to recipients of Parenting Payment (Single) under age pension age and to those eligible for Pension Supplement who are absent from Australia for more than 13 weeks. Pension Supplement above the basic amount can only be paid to those pensioners who live in Australia. The basic amount is currently $19.60 a fortnight for singles and $32.80 for couples, combined.

Commonwealth Seniors Health Card

The Commonwealth Seniors Health Card is targeted at self-funded retirees of Age Pension age who do not qualify for an Age Pension because of assets or income levels.

To qualify for a Commonwealth Seniors Health Card a person must make a claim for the card, and meet the following criteria:

  • not be receiving an income support pension or benefit or a Department of Veterans' Affairs service pension or income support supplement, and

  • be of Age Pension age, and

  • must be living permanently in Australia and be:
    - an Australian citizen, or
    - a holder of a permanent visa, or
    - New Zealand citizen who arrived on a New Zealand passport.

  • available to newly arrived migrants after 104 weeks in Australia as an Australian resident or Special Category Visa holder (some exemptions may apply).

  • must be in Australia to retain card.

  • have an annual adjusted taxable income of less than $50,000 for singles; $80,000 for couples (combined income); and $100,000 combined or $50,000 each for couples separated by illness, respite care or prison. An amount of $639.60 per year is added for each dependent child. There is no assets test.

Seniors Supplement

Seniors Concession Allowance and Telephone Allowance for holders of the Commonwealth Seniors Health Card have been combined into a Seniors Supplement. The last quarterly payments of Seniors Concession Allowance and Telephone Allowance for Commonwealth Seniors Health Card holders will be made soon after 20 September 2009. The rate of Seniors Supplement is $785.20 a year for single cardholders and $592.80 a year for a cardholder who is partnered. The Seniors Supplement will be paid quarterly in December, March, June, and September. The first quarterly payment was paid soon after 20 December 2009.


Telephone Allowance

Telephone Allowance is a quarterly payment to assist with the cost of maintaining a telephone service; it is not paid to assist with the cost of telephone calls.

Telephone Allowance is paid to telephone subscribers who receive the Disability Support Pension and who are aged under 21 years without children and to Parenting Payment (Single) recipients who are under age pension age. Telephone Allowance is also paid to telephone subscribers who receive certain social security allowance payments and are in specific circumstances.

A higher rate of Telephone Allowance is payable to recipients of Disability Support Pension who are aged under 21 years without children if they or their partner have a home internet connection.

The current rate of Telephone Allowance is $93.60 per year ($23.40 per quarter). The higher rate of Telephone Allowance is $140.80 per year ($35.20 per quarter) for home internet subscribers. This amount is shared between both members of an eligible couple. The payment is made in January, March, July and September each year.

For most pensioners and other income support recipients who have reached age pension age, the value of Telephone Allowance has been either added into the Pension Supplement (page 22) or forms part of the rate paid under transitional arrangements. The last quarterly payment of Telephone Allowance for these recipients will be made soon after 20 September 2009.


Utilities Allowance

Utilities Allowance is a quarterly payment to recipients of Widow Allowance and Partner Allowance who are under age pension age, and to Disability Support Pension recipients (under 21 without children) to assist with meeting the cost of utilities bills. The payment is made in March, June, September and December each year and is adjusted to increases in the Consumer Price Index in March and September. The current annual rate is $522.00 for singles and $261.00 for each eligible member of a couple.

For most pensioners and other income support recipients who have reached age pension age, the value of UA has been either added into the Pension Supplement (page 22) or forms part of the rate paid under transitional arrangements. The last quarterly payment of UA for these recipients will be made soon after 20 September 2009.

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