9.4.3.80 AoS - Joint & Several AoSs

Joint & several AoSs

If an individual applicant does not meet the income test requirements for providing an AoS, the option of entering into a joint AoS arrangement is available.

In a joint AoS, up to 3 people sign the AoS, and are held equally liable for any social security debts that arise as a result of the AoS.

All assurers must be Australian residents who are over the age of 18 years.

A person who gives an AoS is required to demonstrate a sustained minimum income for the current financial year and the previous financial year. If the person does not have available evidence of income for the previous financial year, they will be required to provide evidence for the current financial year and the year before the previous financial year.

Example 1: In 2014-15 the income requirement for each adult involved in the AoS was $14,362.40 per annum (NSA rate as at 1 July).

Carol's income details are as follows: $24,000.00 in 2012-13, $25,000.00 in 2013-14. Her current income for 2014-15 is $26,000.00. Carol wishes to provide an AoS for her sister, Pamela, who has applied for a visa with a mandatory (bonded) AoS provision. There are 2 adults (1 assurer and 1 assuree) involved in the AoS. Carol does not meet the income test requirement of $28,724.80 per annum for a mandatory (bonded) AoS.

Together with her friend Sarah, they decide to provide a joint AoS. Their income, when combined would total the following amount:

  2012-13 2013-14 Current income (2014-15)
Carol $24,000 $25,000 $26,000
Sarah $20,000 $21,000 $22,000
Total $44,000 $46,000 $48,000

As there are now 3 adults (2 assurers and 1 assuree) involved in the AoS, the combined income of Carol and Sarah needs to be at least $43,087.20 per annum for them to be approved as assurers. Carol and Sarah meet the AoS income test requirement. They are both liable for the repayment of any social security debt if Pamela receives a social security payment during the AoS period. Centrelink will recover the money from either assurer or both of them.

In some instances one of the joint assurers may have zero income and no TNA for a particular financial year. However, as long as the total combined amount of income for both assurers is over the required income threshold for that year then the income test requirements are met.

Example 2: In 2014-15, the income requirement for each adult involved in the AoS was $14,362.40 per annum (NSA rate as at 1 July).

John and Mary wish to become joint assurers for their sister Raylene and Raylene's husband David who have applied for a visa with a mandatory (bonded) AoS provision. Their income when combined would total the following amount:

  2012-13 2013-14 Current income (2014-15)
John $26,000 $58,000 $46,000
Mary $25,000 $0 (No TNA) $30,000
Total $51,000 $58,000 $76,000

As there are 4 adults (2 assurers and 2 assurees) involved in the AoS, the income requirement is $57,449.60 per annum. The combined income of John and Mary for 2014-15 and 2013-14 exceeds the required income amount, and therefore they meet the AoS income test requirement. They are both liable for the repayment of any social security debt during the AoS period. Centrelink will recover the money from either assurer or both of them.

Example 3: In 2014-15, the income requirement for each adult involved in the AoS was $14,362.40 per annum (NSA rate as at 1 July).

Jemma, who is single and does not have any children, wishes to provide an AoS for Jane who has applied for a visa with a discretionary (unbonded) AoS provision. DIBP has decided that an AoS is required in this instance. Jemma's taxable income was $15,000.00 in 2012-13 and $23,000.00 in 2013-14. Her current income is $9,000.00. There are 2 adults (1 assurer and 1 assuree) involved in the AoS. Jemma does not meet the income test requirement, which is $28,724.80 per annum.

Together with her friend Norm they decide to provide a joint AoS. Their income when combined would total the following amount:

  2012-13 2013-14 Current income (2014-15)
Jemma $15,000 $23,000 $9,000
Norm $1,000 $12,000 $10,000
Total $16,000 $35,000 $19,000

There are now 3 adults (2 assurers and 1 assuree) involved in the AoS. Jemma and Norm need to have a combined income of at least $43,087.20 to meet the income test requirement. For the current financial year and any previous financial year, their combined income falls below the required income amount. Therefore, Jemma and Norm do not meet the income requirement to give an AoS. They would need to find another person to provide a joint assurance in order to meet the AoS income test requirement.

Example 4: In 2014-15, the income requirement:

  • For each adult involved in the AoS was $14,362.40 per annum (NSA rate as at 1 July).
  • For each of the assurer's children under 18 years of age was $2,204.60 per annum (base rate of FTB Part A plus the rate of FTB Part A supplement as at 1 July).

Anton and Mai wish to become joint assurers for their friend Merindah who has applied for a visa with a mandatory (bonded) AoS provision. Anton has 2 dependent children who are under 18 years of age. Their income would total the following amount:

  2012-13 2013-14 Current income (2014-15)
Anton $35,000 $43,000 $50,000
Mai $25,000 $30,000 $35,000
Total $60,000 $73,000 $85,000

As there are 3 adults (2 assurers and 1 assuree) and 2 children involved in the AoS, the income requirement is $47,496.40. Anton and Mai jointly meet the AoS income test requirement. They are both liable for the repayment of any social security debt if Merindah receives a recoverable social security payment during the AoS period. Centrelink will recover the money from either assurer or both of them.

Act reference: SSAct Part 2C.4 Determinations

Social Security (Assurances of Support) (FaHCSIA) Determination 2007

Policy reference: SS Guide 9.4.3.30 AoS - Minimum Income Requirements, 9.4.3.60 AoS - Income Requirements & Family Circumstances of Potential Assurer

Last reviewed: 1 July 2015