How to Avail Australia’s Age Pension While You’re in the Philippines


A massive continent with an undeniable charm, Australia is filled with rich species of plants and diverse wildlife. It has transformed into a developed country boasting with top of the line healthcare, education, and quality of life. The brilliant government system make it a suitable place for retirement or at least for Age Pension.


Let us be honest. If a Filipino citizen who is an Australian resident is torn between retiring in Australia to reap its benefits or in Philippines to reside with their family, he or she will most likely lean on the latter. It is very much doable!


With this life changing transition to retirement, one of your top priorities is to consider applying for a retirement visa and the Age Pension. These two are only granted to the people who meet the standards set by the law. For now, this article will be focusing on the Age Pension.


The Age Pension is a scheme that pays out an alternative to a steady income to qualified Australian residents. It serves as a supplement to help these individuals to handle the costs of living after being inactive in the workforce. Some residents choose to retire outside of Australia as it is more comfortable, relaxing, and affordable.

retirement How to Avail Australias Age Pension While Youre in the Philippines

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Over 60,000 Australians are currently receiving their Age Pensions overseas. This means that they are permanently paid by the scheme through offshore basis. Not everyone can be paid with the same amount for the entire time that they are away. You see, the amount that you will receive may change at certain points based on how long you have been away and your personal situations.

  centrelink How to Avail Australias Age Pension While Youre in the Philippines  

For example: “If you have returned to live in Australia within the last 2 years and you have started receiving Age Pension during this period, you cannot be paid outside Australia until the 2 year waiting period has passed. “


The regulations in this area is complex when it comes to expatriates. This is why it is recommended to seek the professional advice of financial advisors and the government’s Centrelink regarding your claims.


The simplest bullet to fill is to be at least aged 65 to be eligible for the Australian Age Pension. This means that it is the minimum age requirement. The qualifying age will still be based on your year of birth (i.e., please see the “Age Requirements” table – here). This minimum age allowance will soon increase to 65 years and 6 months starting July 2017.


Next, you must be an Australian resident for 10 years and at least 5 of these dwelling period is continuous. Residing in Australia is also necessary on the day of lodging your claim unless if you are claiming it under an International Social Security Agreement. Unfortunately, Philippines is not included in the countries that follow this agreement. This is why you must physically remain in Australia for a certain amount of years before leaving and be paid in the Philippines.


Claims to the Age Pension depend upon the applicant’s ability to meet both the Income and Assets tests. If an applicant’s income or assets exceed specific levels, pension entitlements will gradually reduce.


You must keep all these in mind!


Disclaimer: This article relies on the generalized information provided by the Australian Government. This article shall serve as a springboard or a support only. As always, one size does not fit all. Each situation dictates a different approach. This is why it is best to contact Centrelink for an accurate assessment of your circumstance. Thank you!


Anna Agoncillo

Anna is a Registered Psychometrician and a graduate of Cardiff Metropolitan University, United Kingdom. Earning a bachelor's degree with honors in Psychological Studies, lead her to a career of writing and teaching. She is also the author of the new book entitled Psychology of Love, Money, & Life.

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