When your age starts to get the better of your health, you will most likely find that your healthcare expenditure increases. This article talks about the Commonwealth Seniors Health Card (CSHC).

Basically, the Commonwealth Seniors Health Card (CSHC) is a concession card that provides those retirees that are eligible with a variety of benefits. There are however some eligibility requirements for this particular type of concession card:

  • You must have reached Age Pension age – below is a table from Centrelink website detailing the age pension ages eligibility:
People born between Eligible for Age Pension at age
Before 1 July 1952 65
1 July 1952 and 31 December 1953 65½
1 January 1954 and 30 June 1955 66
1 July 1955 and 31 December 1956 66½
1 January 1957 and later 67
  • You must be an Australian resident and reside in Australia
  • You must meet an income test, namely have adjusted taxable income (which includes income from an account-based income stream) less than what is detailed in the below table:

Income Test* (20 September - 31 December 2019)

Family Situation Income Threshold*
Single $55,808 per annum
Couple (combined) $89,290 per annum
Illness separated couple (combined) $111,616 per annum

* Add $639.60 to the abovementioned income threshold amounts for each child in your care

  • You must be in receipt of a Centrelink (i.e the Age Pension) or Department of Veterans’ Affairs (i.e. Age Service Pension) income support payment

To submit a claim form for this type of concession card, you can visit a Centrelink office, complete the form online via your myGov account or complete by paper.

This concession card (if eligible) is not just limited to health benefits either. Below are examples of other benefits available:

  • Bulk billed GP appointments (at the discretion of your GP);
  • Access to pharmaceuticals (prescription medicines) at concessional rates;
  • Reduction in cost of out-of-hospital expenses above a concessional threshold, through the Medicare Safety Net;
  • Energy Supplement – a tax-exempt payment to assist with household expenses including energy costs;
  • Electricity Rebate, a $340.85 rebate once a year to help cover the cost of power bills;
  • Access to public dental services in QLD.

If you would like to discuss your eligibity, please contact your PJT Advisor on 5413 9300.