The Pension Bonus Scheme allows eligible Australians to receive a bonus when they eventually claim the Age Pension after postponing their retirement. Claiming your Pension Bonus, however, comes with specific steps and timing requirements. Here’s a comprehensive guide on how to claim your Pension Bonus and avoid missing out on valuable financial support.
Table of Contents
Step 1: Get Ready to Claim
Before you start your claim, ensure you have everything in place. The easiest way to claim your Pension Bonus is online, but there are specific steps to follow:
Set Up Your Online Accounts
- Centrelink Account: First, make sure you have a Centrelink online account linked to your myGov account. If you don’t have these accounts set up, take the time to create them before starting your claim.
- Documents & Proof of Work Test: You’ll need to have supporting documents ready, such as proof that you’ve met the work test. You may also need to prove your identity to Centrelink.
- Partner’s Claim: If your partner is also registered in the Pension Bonus Scheme, they’ll need to submit their own claim, or you can both use the same paper claim form.
Step 2: Submit Your Claim
Online Claims
If your Centrelink account is linked to myGov, follow these steps to make your claim:
- Sign In to myGov: Go to the myGov website and sign in.
- Select “Make a Claim”: Under the “Older Australians” section, click on Get started and follow the prompts to complete your claim for both the Age Pension and Pension Bonus.
Paper Claims or Other Methods
If you can’t claim online:
- Print and complete the Claim for Age Pension and Pension Bonus form.
- Alternatively, you can call the Older Australians line or visit a Centrelink service center to submit your claim.
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Step 3: After You Submit Your Claim
Once your claim is submitted, Centrelink will process it and notify you of the result. You’ll receive a letter outlining your claim status via:
- myGov Inbox
- Centrelink online account
- Express Plus Centrelink mobile app
If you don’t have electronic letters set up, you’ll receive a letter by mail. Centrelink will also contact you if any additional information is required.
Step 4: Once Your Claim is Approved
If your claim is approved, Centrelink will review your eligibility for the Pension Bonus Top Up 13 weeks after granting you the Age Pension. The top-up payment will be automatically assessed—there’s no need to take further action.
When Should You Claim the Pension Bonus?
Timing your claim can make a significant difference. You must claim your Pension Bonus within 13 weeks of one of the following events:
- Ceasing Work: When you stop meeting the work test (typically when you retire).
- End of Non-Accruing Membership: When a period of non-accruing membership ends.
Important: If you miss the 13-week window, Centrelink may:
- Reduce the bonus amount
- Refuse to pay the bonus at all
Special circumstances (such as serious illness) may allow you to claim beyond the 13-week deadline, but this is assessed on a case-by-case basis.
Supporting Documents and Identity Verification
Proving Your Identity
Before claiming a payment, you must verify your identity. Here’s how:
- Centrelink Customer Reference Number (CRN): To claim, you need a CRN. You can get one by verifying your identity online, over the phone, or in person at a service centre.
- Identity Assistance: If you’re having trouble gathering documents, Centrelink can help.
Identity Verification for Partners and Nominees
If your partner is involved in the claim (e.g., you’re applying for the Pension Bonus together), they also need to prove their identity. If you’re claiming a Low Income Health Care Card, Farm Household Allowance, or other services, ensure your partner’s identity is verified.
Nominees and Carers
If you have an authorised nominee handling your claim, they can verify your identity on your behalf. Similarly, if you’re a carer, you may need to prove the identity of the person you care for when claiming specific allowances.
Additional Help and Support
If you’re unsure about any part of the claim process, or if you need help proving your identity, the Financial Information Service (FIS) is available to provide guidance on your options. You can make an appointment to speak with an officer or ask about the timing of your claim.
Maximizing Your Pension Bonus Claim
- Claim Timely: Always claim within the 13-week window to avoid reductions or disqualification from the bonus.
- Prepare Documents Early: Have your identity and work test documents ready to avoid delays.
- Use Online Services: Claiming online is the quickest and easiest way to submit your application.
By following these steps, you’ll ensure a smooth process for claiming your Pension Bonus along with your Age Pension. If you need further assistance, don’t hesitate to reach out to Centrelink or a qualified advisor.
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