Super and the age pension

Most Australian’s are eligible for the Government Age Pension. If you’re among them, you can use it to top up your super.

What is the Age Pension? 

The Age Pension is a regular fortnightly income that helps eligible older Australians pay for basic living expenses. As of 20 September 2017, the maximum that a single person on the pension can receive is up to $23,254 per year. For a couple, it’s $17,529 per year (each).

Get pension payments with your super

You don’t have to spend all of your super before you can access the pension. When you transfer your superannuation to a retirement income account (like our Choice Income account) you can draw payments alongside any Age Pension payments that you may be eligible for.

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  • Am I eligible for the Age pension?

    Before you can receive your first pension payment, you’ll need to meet age and residency requirements set by the government.

    If you meet these conditions, you’ll then need to pass two more tests: an Assets test and Income test. These tests are used to determine your eligibility and the Age Pension payment amount you may receive.
  • When can I access the Age Pension?

    If you're eligible for the Age Pension, you'll be able to access it when you reach your qualifying age.


    If you were born... Your qualifying age is
    Before 1 July 1952 65
    1 July 1952 to 31 December 1953 65.5
    1 January 1954 to 30 June 1955 66
    1 July 1955 to 31 December 1956 66.5
     1 January 1957 or after 67 

Are you eligible for the Age Pension? - pdf, 304KB

Learn more about the Government age pension income and assets test.

Questions? We can help.

Book a members' consultation with one of our financial advisers.

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