Banks, building societies or credit unions

Select the 'Yes' option if you have money held in a bank, credit union or building society account. This includes:

Bonds or debentures

Bond:

A paper issued by a person, government or corporation that shows that you have lent them money and they will pay you back with a fixed interest rate.

Debenture:

A corporate or government bond, acknowledging a debt, that pays a fixed rate of interest that is backed by their credit status.

Cash on hand

Enter the amount of cash you have on hand. This does not include money in your bank accounts or cash held to meet day-to-day expenses and to pay outstanding bills. Enter the amount in whole dollars without any cents. For example, an amount of $100.25 can be entered as $100

Income from work

Income from work includes wages, salaries, bonuses, penalty rates, overtime, commission or honoraria, stipends and voluntary salary sacrificed contributions to superannuation.

Important Note: Do NOT include income from self-employment in this question.

Employer's names

You must enter the name of your employer in this field.

For example, Katie Jane Citizen OR St Marcus's Nursing Home.

You can enter blanks, hyphens and apostrophes, but not in a consecutive series. You cannot type a blank, hyphen or apostrophe first. For example, 'Oshea cannot be accepted but O'Shea can be.

ABN

Enter your employer's Australian Business Number (ABN) in this field, for example, 11111111111. ABN's contain 11 digits only.

Your employer's trading name and ABN is printed on your payslip. If you do not have a payslip, you can:

You only need to tell us the employer's ABN the first time you advise income for that employer.

If your employer does not have an ABN, you do not need to enter anything in this field.

Contact phone number

Enter your employer's contact telephone number in this field, for example, 0212345678. If you are unsure of this phone number, you can leave this field blank.

Reference code

Enter the alpha or numeric code that your employer uses to identify you on their record, for example, 124

Part-time

Select this option if you are employed on a part-time basis.

Generally part-time employment means you are employed on an irregular basis or casual with no set design or routine to when you work and with no expectation by either side that there will be regular ongoing employment. Part-time workers are also often:

Permanent (part-time)

Permanent part-time workers generally receive the same conditions as full-time employees except that wage and leave entitlements are on a proportionate basis to the hours worked.

For example, they may be paid an hourly rate the same as a full-time employee but for less hours and have entitlements to sick leave and annual leave.

Permanent (full-time)

Select this option if you are employed on a permanent or full-time basis.

Permanent full-time workers are usually required to work at least 35 hours a week. They are entitled to minimum conditions set by an Award, agreement or industrial laws.

Casual (full-time)

Select this option if you are employed on a casual or full-time casual basis.

Casual workers are employed on an hourly basis and actual hours may range from a minimum period up to the same hours as a permanent full-time employee. The employee is paid an extra loading on top of the normal rate to make up for the lack of other benefits such as annual and sick leave. Casual workers are not guaranteed ongoing work. Under some Awards they can opt to be full-time casuals or part-time casuals subject to certain conditions.

Amount earned

Enter the gross amount you earn in Australian dollars as a whole dollar amount. For example, a weekly income of $47.80 gross can be entered as $48.

Hours worked

Enter the hours that you work on a weekly basis as a whole number, for example, if your weekly hours total 14.75 hours, enter as 15. If your hours of work vary, then enter an average weekly hour figure.

Fringe benefits

An employer provided benefit (fringe benefit) is any right, privilege, service, in-kind payment or facility that an employee receives, or assigns to someone else from their employment. Employers are now required to include the total amount of any employer provided benefits on the Group Certificates where the amount is greater than $1000.00. These can include a car, school fees, health insurance, loan, salary sacrifice, housing, expense or financial investment benefits, but does not include exempt benefits.

Other employment

Select the 'Yes' option if you are currently receiving income from more than 1 job.

Gross income

This is your total weekly income before tax is deducted.

Compensation, insurance and/or damages

Compensation or damages Compensation is defined in subsection 17(2) of the Act (Social Security Act 1991) as a payment (whether it is made within or outside Australia) that is made wholly or partly in respect of lost earnings or lost capacity to earn resulting from personal injury. Compensation includes:

Real Estate

Your home is not included in the assets test for your payment. However, where the home is on more than two hectares, the value of the land in excess of the two hectares is included as an asset. Additionally, any real estate, such as another house or unit, vacant land, a holiday home or property related to a business is included as an asset.

The market value of your real estate assets can affect the rate of any payment that is subject to the assets test.

Please also include any real estate that is still being paid off.

For further information, go to 'Do you own real estate assets and receive a Centrelink payment?' Factsheet

Private Trust

Select the 'Yes' option if you and/or your partner are or have been involved in a private trust including as trustee, appointor or beneficiary.

Private trusts include family trusts, testamentary trusts and those fixed trusts with fewer than 50 members. They do not include fixed trusts with more than 50 members, self managed superannuation funds or any public trusts (e.g. listed property trusts or equity trusts). For further information, go to Private Trusts and Private Companies Factsheet

Select the total number of trusts from the drop down box if you have answered 'Yes' to this question.

Then, of those trusts, select how many are Special Disability Trusts in the additional drop down box displayed.

Special Disability Trusts

A Special Disability Trust is established by parents and immediate family members to plan for the future care and accommodation needs of a person with a severe disability. For further information, go to the Special Disability Trusts Factsheet.

Private Company

Select the 'Yes' option if you and/or your partner are or have been involved in a private company including as director or shareholder; OR have a loan to a private company or transferred shares in a private company since 1 July 2007.

A company is a separate legal entity, set up to run a business or to hold investments, registered under Corporations Law, owned by shareholders and managed by its directors who are elected by the shareholders.

A private company is a company that meets at least two of the following three criteria in relation to the end of the last financial year:

OR it is a company that has come into existence since the end of the last financial year. For further information, go to Private Trusts and Private Companies Factsheet

Select the total number of private companies from the drop down box if you have answered 'Yes' to this question.

Self-employed, a sub-contractor or involved in any type of business

Select the 'Yes' option if you and/or your partner are or have been self-employed, a sub-contractor or involved in any type of business in the last 12 months.

A sub-contractor or sole trader is self-employed, operating a farming enterprise or working independently being contracted for a particular service. The person chooses when, where, how and for whom that service is performed.

For further information, go to Sole Traders/Self-employed Factsheet

If you have answered 'Yes' to any of the above questions, you will be required to complete additional form/s.

Income and investment details

Superannuation in the accumulation phase

Superannuation is an investment for a person's retirement, to provide financial resources during their retirement years. Money is accumulated during the person's working life in specialised superannuation accounts. The period during which moneys are contributed to the fund is known as the accumulation phase.

The different types of superannuation investments are Superannuation Funds, Self Managed Superannuation Funds (SMSFs), Small APRA Funds (SAFs), ATO Small Superannuation Accounts and Retirement Savings Accounts.

Scholarship, bursary or educational assistance

Scholarship payments may be treated as income (unless otherwise excluded). For Youth Allowance and Austudy purposes, a scholarship may not be included as income if the scholarship:

Certain scholarships awarded outside Australia have been exempted from the income test by the Minister for Family and Community Services.

Commonwealth Education Costs Scholarship

A Commonwealth Education Costs Scholarship (CECS) is paid by universities or higher education providers to assist with costs incurred to study. A CECS has four categories of scholarship: including CECS-Ordinary; a CECS-Priority Discipline; a CECS- Associate Degree and a CECS-Indigenous Enabling.

Commonwealth Accommodation Scholarship

A Commonwealth Accommodation Scholarship (CAS) is paid by universities or higher education providers to assist with costs incurred by students who are required to live away from home to undertake their course. A CAS has four categories of scholarship: including the categories of CAS-Ordinary; a CAS-Specialist; a CAS-Associate Degree and a CAS-Indigenous Enabling.

Indigenous Access Scholarship

An Indigenous Access Scholarship (IAS) is a one-off scholarship payment by universities or higher education institutions, to assist Indigenous students to undertake either an eligible enabling course or an undergraduate course.

Date of commencement

Please provide the date your scholarship was first paid or will be first paid. If you cannot remember the exact date, please provide an approximate date. This can be, for example, your course start date

Description

Provide the full official title of the scholarship as indicated in the scholarship grant letter or contract.

Reference

Please provide the reference number used by the organisation that pays or will pay your scholarship.

Date of commencement

Please provide the date your scholarship was first paid or will be first paid. If you cannot remember the exact date, please provide an approximate date.

Amount

Please provide the amount you receive, or expect to receive in dollars and cents. If you are not paid or expect not to be paid in currency, please provide the monetary value of your scholarship.

Frequently

Please indicate how often you receive, or expect to receive this payment.

Period

Provide the period the scholarship is paid or expect to be paid for, full year, six months, etc.

Match or sporting payments

Select 'Yes' to this question if you receive any income from match or sporting employment. For example, coaching a sporting team where you are paid for each coaching session, or playing in a sporting team where you are paid as part of a contract.

Investments

Select 'Yes' to this question if you are receiving or you have received any of the investments listed under this question on your 'Make a Claim' Income and investment details page.

For further information go to: Financial Investments

Following Income

Select 'Yes' to this question if you are receiving or you have received any of the income types listed under this question on your 'Make a Claim' Income and investment details' page.

Government payments

Select 'Yes' to this question if you are receiving or you have received any of the government payments listed under this question on your 'Make a Claim' Income and investment details' page.

Pension from Department of Veterans Affairs

For further information go to: About Department of Veterans Affairs

Community Development Employment Project (CDEP)

For further information go to: About Community Development Employment Project

New Enterprise Incentive Scheme

For further information go to: About New Enterprise Incentive Scheme

Income or have investments

Select 'Yes' to this question if you have any other income or investments you have not already advised us about.

Given away any cash, assets, personal property or income in the last 5 years

Select 'Yes' to this question if you have disposed of or gifted any of the following;

in the five years prior to submitting this online claim.

Sold any assets, personal property for less than their value in the last 5 years

Select 'Yes' to this question if you have disposed of or gifted any of the following in the five years prior to submitting this online claim:

Gifting

What is gifting?

Gifting is the term often used when you or your partner:

For further information go to: link to Factors - Disposing of Assets

Surrendered rights to any cash, assets, personal property or income in the last 5 years.

Surrendered rights means a legally enforceable interest in income or an asset that has been given away.

Transfer any assets

Where an asset is transferred or sold and adequate financial considering is not received, this will be considered disposal of assets i.e. you have deprived yourself of the benefit of this asset. Disposal of assets are treated in the same way as gifting.

Household contents and personal effects

Enter the current market value of your household and personal effects to the nearest whole dollar amount. For example an amount of $2125.70 can be entered as $2126

Personal effects and household contents include:

Permanent fixtures are regarded as part of the home and not as household contents.

The following are NOT personal effects and household items:

Asset type

From the drop down box, select the type of asset you have.

Description

Enter the description of the asset you have selected from the drop down box. For example, if you have selected a motor vehicle as your asset, describe the type of motor vehicle you own, the make, model, year, etc.

Date of purchase

Enter the date that you purchased your asset. If you are unsure of what this date is, please provide an approximate date, for example, 10/01/2002

Market value

Market value is generally taken to be the price a buyer in the open market is prepared to pay for a good or service.

Amount owed

Enter any amount owing on the asset that you own in a whole dollar figure, for example, an amount of $5500.70 can be entered as $5500. If the amount owing is greater than the current market value, enter the current market value as negative values cannot be entered.

Percent(%) owned

Enter the percentage of the asset that you own. For example, a joint asset with a partner would mean you own 50% of that asset. Enter as 50, you do not need to include the % percentage sign.

Other assets

Select 'Yes' to this question if you have any other assets you have not already advised us about.

Partner

For Centrelink purposes, a partner is a person of the opposite sex above the age of consent that you are married to or are living with in a marriage like relationship

Important Information - Same Sex relationship

You will be presented with a 'Same sex relationship' warning page if you select your partner's sex to be the same as your own. If you have not provided these details about your marital status and your partner by error, you will most likely be considered single for Centrelink purposes.

A person who is in a same sex relationship can only be considered as partnered for Centrelink purposes if they are legally married to their partner, and the marriage is valid under the Australian Law (the marriage Act 1961). According to the Marriage Act, marriage means 'the union of a man and a woman to the exclusion of all others, voluntarily entered into for life'.

If you have told us you are not married, we will collect no further details about your partner during this online claim. The Customer Service Officer who processes your claim will make a decision about your marital status, and contact you if necessary for any further information. If you do not agree with the decision made by the Customer Service Officer, you can ask for the decision to be reviewed by them, or an Authorised Review Officer.

Age of consent rules

You will be presented with an 'age of consent' warning page if you enter your or your partner's date of birth as a date that is less than the allowable age of consent rules for the State or Territory you that you live in. For the purposes of this online claim, you will be considered single and no further details about your partner will be recorded.

The following table lists the age of consent in all States and Territories, including the higher age that applies in some States where a person is in a position of authority over the other person. For Example: A guardian or school teacher.

State/Territory Age of Consent Higher Age of Consent
ACT 16 years Does not apply
NSW 16 years 17 years
NT 16 years Does not apply
QLD 16 years Does not apply
SA 17 years 18 years
TAS 17 years Does not apply
VIC 16 years 18 years
WA 16 years 17 years

Marriage like relationship

A marriage-like relationship exists if 2 people of the opposite sex can be considered to be living together as husband and wife. A marriage-like relationship is determined by circumstances including:

Income from country other than Australia

If you are receiving income from a country other than Australia, please provide the relevant details and for more information go to: About Overseas Income

Funeral Services

The purchase of pre-paid funeral expenses is considered a funeral contract and can be exempt from the Assets Test. A pre-paid funeral is one where an advance payment is made by you for funeral services agreed by contract at the time. There is no limit to the amount that you may invest in a pre-paid funeral. If you have a pre-paid funeral and a funeral bond, only the pre-paid funeral is exempt.

Some pre-paid funerals are paid for with a funeral bond assigned to the funeral director. If it meets pre-paid funeral conditions, i.e. a contract for future services exist, then it is treated as a pre-paid funeral and not as a funeral bond.

Last Updated 08 September 2012.

Home Equity Conversion Loans and Reverse Equity Mortgages

A home equity conversion loan or a reverse mortgage is a mortgage secured against your own home. Generally you do not have to make any repayments until the property is sold or you pass away. You can generally take this as either a lump sum or as a regular ongoing amount. The interest compounds over the life of the loan.

Investment loans

Have you borrowed the money to purchase investments such as managed investment and shares? This type of loan is sometimes called a margin loan. A margin loan is a loan that uses your shares and managed investments as security for borrowing. This type of borrowing can also be known as 'gearing'. We need details of the current market value of the portfolio (investments, etc) and the current loan balance. These can be obtained from statements you receive from the lender. The current loan balance will be deducted from the gross value of your investments used as security for the loan.

Investment loans not required to be declared

Answer 'No' to this question if the only investments you have borrowed money to purchase are not shares, direct investments (such as bonds or debentures) or managed investments. This question does not include money borrowed to fund assets such as real estate, or loans that are secured against your principal place of residence.

Last Updated 08 September 2012.