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  • Claiming the Age Pension - what you need to know

You’ve reached retirement age and it’s time to claim the Age Pension through Centrelink.  This can be a daunting process and the vast majority of seniors have confirmed that applying for the Age Pension was not a great experience. 88 per cent of people can’t be wrong and that’s why we have provided you with some additional information to help and guide you through this process.

Here are the first steps you need to take:

- Confirm that you can claim:  you can submit your claim 13 weeks before you actually reach the Age Pension age – if you’re already eligible, Services Australia will write to you and let you know.

-  Get your documents ready:  you’ll need to provide some supporting documents – what’s required will be specific to your individual circumstances.  As a minimum, you’ll need to provide:

  • Your age
  • Tax file number
  • If you’re single or part of a couple
  • Details on your income and assets.

-  For more information, Services Australia supporting documents has more information.

Claiming online

Services Australia suggests that applying online is the easiest option for many people.  To do this, you’ll need to access your myGov account and have Centrelink linked to your online account.  If you don’t have a myGov account, you’ll need to set one up, and this includes confirming your identity before you can make a claim.

All the information you’ll need to set up your myGov account is here.

If you live outside Australia read how you can claim through an international social security agreement.

Making your claim

Before you proceed, there are a few things you need to remember:

- Make sure you complete your claim within 13 weeks of starting the process.  If you don’t, your claim will expire and you’ll have to do it again.

- Make sure you answer all questions asked and supply all documents requested, otherwise your claim may be delayed.

- The How to claim a Centrelink payment online guide from Services Australia will take you through the step-by-step guide to claiming.

You can track your claim online via the myGov app and once your request has been assessed, Services Australia will either send you an email via myGov, the mobile app or if you didn’t submit your application online, you’ll receive a letter.

The application process will be different for everyone, as it will be based on your personal circumstances (whether you’re claiming at the same time as your partner or not) and on the review of your income and assets.

This article was previously prepared and published by AIA Australia Limited ABN 79 004 837 861 (AIA Australia) prior to Resolution Life’s acquisition of AIA Australia’s Superannuation & Investment life insurance on 1 July 2023.

What you need to know

Any advice on this website is provided by Resolution Life Australasia Limited ABN 84 079 300 379, AFSL No. 233671 (Resolution Life), and is general advice and does not take into account your objectives, financial situation or needs. Before acting on this advice, you should consider the appropriateness of the advice having regard to your objectives, financial situation and needs, as well as the relevant product disclosure statement and/or policy document, available from Resolution Life at resolutionlife.com.au or by calling 133 731, before making a decision on whether to acquire, or continue to hold, the product. 

The Target Market Determinations (TMDs) for our financial products (where applicable) can be found at Target Market Determinations (TMDs). The TMDs describe the key features and attributes of an applicable product that affect whether it is likely to be consistent with the objectives, financial situation and needs of consumers in the target market.

Resolution Life is part of the Resolution Life Group and can be contacted via contact us or by calling the phone number mentioned above.