If you’re over 67 and don’t qualify for the Age Pension, don’t assume there’s nothing else available to you.
You may still be eligible for the Commonwealth Seniors Health Card – and it could save you money on healthcare and other everyday costs.
The big difference? There’s no assets test
Unlike the Age Pension, the Commonwealth Seniors Health Card doesn’t look at your assets.
So, even if you own your home, have a decent super balance or hold other investments, you could still qualify.
Instead, eligibility is based on your adjusted taxable income, along with deemed income from certain account-based income streams.
From 20 September 2026, the income limits are:
- $105,048 a year for singles
- A combined $168,076 a year for couples
That means plenty of self-funded retirees who aren’t eligible for the Age Pension may still qualify.
What could you get?
Depending on your circumstances and where you live, the card may give you access to:
- Cheaper prescription medicines
- Bulk-billed doctor visits, at the doctor’s discretion
- A lower Medicare Safety Net threshold
- Other healthcare, transport or household concessions
It’s easy to overlook – especially if you’ve already been told you don’t qualify for the Age Pension.
But no Age Pension doesn’t necessarily mean no concessions.
Not sure whether you’re eligible? Get in touch and we’ll help you work it out.
Want to know more? Read my articles: “Got More than $1.5 Million in Super? Here Are Three Tax Traps to Watch Out For” and “Still Working at 60? A Transition to Retirement Strategy Could Save You Thousands”.
P.S. Are you ready for retirement? Take our free assessment to find out.
