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Home / In retirement / Age Pension

How do I apply for the Age Pension?

July 1, 2019 by Regan Welburn Leave a Comment

Reading time: 7 minutes

We’ve all heard of the horror stories of people waiting longer than 6 months for their Age Pension claims to be processed by Centrelink.

When you submit an Age Pension claim you’re joining a queue a mile long and getting it right the first time can save an incredible amount of time and frustration.

This article is a step-by-step guide to claiming the Age Pension and getting it right the first time.


Note: While many Australians refer to it as the ‘Aged Pension’, the official name is the Age Pension.

The Age Pension also shouldn’t be confused with an account based pension that you receive from your superannuation.


First – a little background

Not everyone will be entitled to a full Age Pension, some will only be entitled to a part pension. Our social security system is designed to act like a safety net (the more you have the less you’ll get).

As your rate of payment will be determined based on your means (income and assets), you are required to provide Centrelink with evidence of your financial situation as part of the claim process.

Getting this evidence together is time consuming but avoids lengthy delays with requests for more information.


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The Age Pension age is currently 66 years but is gradually increasing to 67 over the coming years. Please see the table below to ascertain what your Age Pension age is.

Date of birthAge Pension ageDate that Age Pension age changes
Born between 1 January 1954 and 30 June 195566 years1 July 2019
Born between 1 July 1955 and 31 December 195666 years and 6 months1 July 2021
Born from 1 January 1957 onwards67 years1 July 2023

Note: You also need to pass the Age Pension residency rules.

Learn whether you may be eligible for the Age Pension.

When can you claim for the Age Pension?

You are able to claim for the Age Pension 13 weeks prior to turning Age Pension age however this may not always be the best option. The best timing of your claim submission will depend on if you’re still working, have any upcoming overseas travel and if you have structured your assets to maximise entitlements already.

If you submit your claim on the day you turn Age Pension age, in most cases you’ll be waiting between 2 weeks and 2 months to be paid. The caveat to this is that you have provided all of the necessary documentation to support your claim in the format that Centrelink demands (they are pedantic about the supporting evidence – we’ll go into this later).

In most cases, Centrelink will back pay you for the time taken to process your claim (from the date of submission to the date of grant).

If you lodge a claim after you reach your Age Pension age (because you were still working, or forgot to apply) Centrelink will not back pay you to you when you reached Age Pension age (only to your claim submission date).

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The back pay is great because you don’t miss out on payments for the time taken to process your claim however, it’s a good idea to set aside 3 months of living costs in your bank accounts. The point I’m making is – do not expect to be paid immediately… it’s a slow process when it comes to your payments being granted.

The Age Pension can be claimed online through a MyGov account. For those of you who are unaware what MyGov is – it is an online portal that is the home for the majority of your Government services (ATO, Medicare, Centrelink, Department of Veteran Affairs, Aged Care). For those of you who do not have a computer or are not tech savvy there is an option to still use the paper-based Age Pension claim. The writing is on the wall… these will eventually be phased out.

Utilising MyGov provides a guided Age Pension process and is quite user friendly. I certainly recommend claiming this way as opposed to paper based.

Note: The process below is different if you are already receiving payments and decide to transfer to the Age Pension – see this link for more information.


Here are the 3 steps for claiming your Age Pension

  1. Open a MyGov account
  2. Complete your Confirmation of Identity with Centrelink
  3. Submit your Age Pension claim online via your MyGov account

We’ll now go through the nuts and bolts of each step to make life easier for you.


1. Open a MyGov account

  • Go to my.gov.au
  • Click ‘create an account’ and follow the steps to establish a new account.
  • Remember your username and password (keep these safe for future reference).

*NOTE – You are only allowed to use one email address per MyGov account. For couples, you will need to have separate email addresses and separate MyGov accounts.

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2. Complete your confirmation of identity with Centrelink

  • Head into your local Centrelink office, let the customer service officer know you’re going to be claiming the Age Pension and need to complete the ID check.
  • Ask the staff member to provide you with your Centrelink CRN (Customer Reference Number). Write this down and keep it safe.
  • Ask the staff member to CONFIRM YOUR IDENTITY – To complete this process you will need to provide your driver’s license, passport and a bank card or ATM card *must provide originals, not copies* If you do not have the listed documentation please click on this link for other forms of acceptable documentation.
  • Please ask the staff member to provide you with a MYGOV LINKING CODE (write this down and follow the next step to complete activation of your MyGov account).
  • When you get home: Login to your MyGov account and click on the ‘link a service tab’. Follow the procedure to link Centrelink by utilising the MyGov linking code you obtained on your visit to Centrelink. If you get stuck you can call MyGov on 132 307.

This will complete the establishment of an online account with Centrelink and will satisfy the identification requirements (you will never have to go into Centrelink ever again).


3. Submit your Age Pension claim online via your MyGov account

You will need to log into your MyGov account and click on the Centrelink icon now that it has been linked to your account.

Click on the ‘make a claim’ icon and follow the link to claim the Age Pension.

There are two types of information that you’re going to be providing with your claim – your personal information and your financial information.

Here is an overview of what to have ready. This is not an exhaustive list but covers what is required for 95% of Age Pension claims. Some claims can be quite complex depending on your situation.

Personal Information

  • Your Customer Reference Number.
  • Your Tax File Number.
  • Passport if you have ever traveled overseas.
  • Citizenship details or visa details if you weren’t born in Australia.
  • Bank details for the account you would like your pension payments to be paid into.
  • Accommodation details (your living arrangements).

Financial Information

  1. Current bank balances (showing account holders names and account numbers). These are best obtained from your bank (ATM slips are not accepted by Centrelink). The balance shown must be within 14 days of application.
  2. Current superannuation statement (showing account holder, account number, superannuation provider, investment options and units owned in each investment option). The balance shown must be within 14 days of application.
  3. Current Income Stream Schedule for any income stream you have (allocated pension, annuity, superannuation income stream). These are obtained from your super fund. If you have an SMSF you will need to complete the SA330 form – this is a doozy, you may require professional assistance to complete this.
  4. If you have a self-managed super fund (SMSF) provide your most recent SMSF tax return. Only required if your super fund is in the accumulation phase. If you are in the pension phase please complete the SA330 form listed above.
  5. Share statements (latest share dividend statement is acceptable, must show company and number of shares owned and who owns them, for example you, your partner or jointly owned).
  6. Current managed fund statements (showing account holders name, account number, investment options and units owned in each investment option). The balance shown must be within 14 days of application.
  7. 2 most recent payslips (if you are currently working as an employee).
  8. Latest full personal income tax returns (if you are own an investment property, run a sole trader business or a partnership). Financial statements for the business will also be required (balance sheet, profit and loss statement, depreciation schedule and notes supporting the financials)
  9. Details about any investment property or holiday home that you have (council rates notice, tax return). Centrelink will require the rental property schedule in your tax return along with the completion of a MOD R form. If you have a loan on the investment property please provide a current mortgage statement showing the balance owed along with the original loan documentation showing the properties used as security for the loan.
  10. Latest company or trust and personal income tax returns (if you are involved in a private company or trust). Financial statements will also be required (balance sheet, profit and loss statement, depreciation schedule and notes supporting the financials).
  11. Current overseas (foreign) pension details. This should be documentation from the overseas pension department showing your regular payments in their currency.
  12. Compensation documentation for any lump sums or ongoing payments you have received or are still receiving. The completion of a MOD C form will also be required.

At the end of your Age Pension claim you will be required to upload scanned images of your financial information to support your claim. Once this has been uploaded then you will click ‘submit’ and your claim joins the queue.


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Now it will be a matter of just waiting for Centrelink to process your claim. The processing times vary wildly depending on the demand and their resources at any point in time.

The silence can be deafening while you’re in the queue and Centrelink will not advise you where you are in relation to expected processing times.

There are only three different types of communication you’ll receive form Centrelink after submitting your claim.

  1. Your Age Pension has been granted (perfect)
  2. You are required to provide more information
  3. Your Age Pension has been declined (due to exceeding the income or assets test)

If you are required to provide more information try to get this back to Centrelink immediately. It will help save any further back and forth.

If your Age Pension application has been declined it is a good idea to call Centrelink on 132300.

The rejection letters provide minimal information. The only way to find out why you’ve been rejected is to call. It may be a simple mistake by Centrelink that has caused the rejection that can easily be rectified over the phone.

Alternatively, you can wait until your financial situation changes and falls within the acceptable limits to submit a new application.

Claiming the Age Pension is quite an epic process and a time consuming one at that. After everything is in place you can enjoy your retirement! Be sure to advise your utility providers that you have your concession card to obtain any discounts.

You will need to notify Centrelink of any changes to your circumstances when you are in receipt of the Age Pension. Now that you have a MyGov account this can easily be achieved by updating your situation via the ‘My Profile’ or ‘Income and Assets’ section.

Note: The process is different if you are already receiving payments and decide to transfer to the Age Pension – see this link for more information.

The information contained in this article is general in nature.

Regan Welburn is the director of My Pension Manager, an administration service specialising in Age Pension applications and dealing with Centrelink. Regan previously worked for Centrelink as a Financial Information Service Officer and has an intricate knowledge of the Social Security system.

Want to master the Age Pension rules?

Become a SuperGuide Premium member and access independent expert guidance on topics such as:

  • how much Age Pension you could be eligible for (including our Age Pension calculator)
  • ways you can maximise your Age Pension entitlement
  • how your super affects the Age Pension
  • detailed guides and case studies on applying for the Age Pension, the Commonwealth Seniors Health Card and state seniors cards

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Learn more about preparing for retirement in the following SuperGuide articles:

What to do if the market tanks and you’re retired, or close to it

October 1, 2020

Countdown to retirement: Tips to help kickstart your retirement plans

June 1, 2020

Guide to transition-to-retirement pensions (TTRs or TRISs)

March 22, 2020

Financial advisers give tips on preparing for retirement

March 11, 2020

Five common financial mistakes people make just before retirement

October 1, 2019

5 ways sequencing risk affects your retirement

September 1, 2019

How to navigate the different phases of retirement

August 9, 2019

Timing counts if you plan to retire this year and start a super pension

July 21, 2019

Retiring soon? Here are 5 questions you need to answer first

July 15, 2019

Adjusting to retirement: 8 factors that can help

December 3, 2018

Learn more about the Age Pension in the following SuperGuide articles:

Age Pension rates (March 2020 to March 2021)

September 18, 2020

Age Pension calculator: How much could you be eligible for?

September 18, 2020

Age Pension income test limits (July 2020 to March 2021)

September 18, 2020

Age Pension assets test limits (July 2020 to March 2021)

September 18, 2020

Case studies: How is the Age Pension assessed?

September 17, 2020

How to maximise your Age Pension

September 17, 2020

Am I eligible for the Age Pension?

September 3, 2020

Deeming rates (and calculator) for the Age Pension income test

July 1, 2020

How does your super affect the Age Pension?

March 1, 2020

What are the Age Pension residency rules?

March 1, 2020

Are you getting your slice of the Age Pension Work Bonus?

November 13, 2019

Retirement age calculator: When can you access your super or the Age Pension?

August 7, 2019

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