Commonwealth Seniors Health Card benefits
The Commonwealth Seniors Health Card can give self-funded retirees who do not qualify for a government Age Pension or Department of Veteran Affairs payment, the entitlements that others receive from the Pensioner Concession Card.
The concessions and discounts that may be available include:
- Pharmaceutical Benefit Scheme discounts
- Cheaper out-of-hospital medical expenses
- Concessional rail travel
- Extra health, household and transport discounts
These concessions and discounts are offered to self-funded retirees at the discretion of state, territory or local governments and sometimes private businesses.
Many self-funded retirees can maintain their assets (there is no assets test) and continue to make quality investments rather than work out ways to reduce assets to “get on the pension”.
Commonwealth Seniors Health Card eligibility
The Commonwealth Seniors Health Card is available for people who have attained the Age Pension age and have:
- an adjusted annual taxable income not exceeding $50,000 for a single person
- or $80,000 a year combined for a “couple living together”.
- The adjusted taxable income limit for a “couple separated by illness” is $100,000 a year (a limit which also applies to couples separated through respite care or where one partner is in prison).
These income limits are fixed in legislation and not subject to any form of indexation, and also increase by about $640 for each dependent child.
Commonwealth Seniors Health Card applications
You may apply to Centrelink only after attaining Age Pension age, but please always check with Centrelink for more information, including what makes up “adjusted taxable income”.
My wife is 66 I am 76 we are self funded are we eligible for commonwealth card