The Guides to Social Policy Law is a collection of publications designed to assist decision makers administering social policy law. The information contained in this publication is intended only as a guide to relevant legislation/policy. The information is accurate as at the date listed at the bottom of the page, but may be subject to change. To discuss individual circumstances please contact Services Australia. Totalising to Qualify for an Indian Benefit

Totalising for an Indian benefit

Article 15 of the Agreement covers totalisation to qualify for an Indian benefit.

Entitlement to an Indian old-age benefit is subject to a minimum insurance period of 10 years.

People who do not have the minimum insurance period for an Indian pension can add periods of Australian working life residence accrued after the commencement of the Agreement (1 January 2016) and before the person reaches retirement age as specified in the Employees' Pension Scheme 1995 (58 years) to the Indian insurance periods to meet the minimum requirement.

Note: In order to use the Agreement to totalise for an Indian benefit, a person must have Indian insurance periods of at least 12 months.

Act reference: SS(IntAgree)Act Schedule 31 Republic of India

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