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.
- 4.3.2.35 Income exempt from assessment - section 8(11) exempt lump sums
- 4.4.1.30 Scope of deeming
- 4.4.1.40 Exemption of financial investments from deeming
- 4.6.3.80 Exempting the principal home - sale proceeds (for homes sold between 01/07/2007 & 31/12/2022)
- 4.6.3.90 Exempting the principal home - sale proceeds (for homes sold on or after 01/01/2023)
- 4.6.5 Assessing personal assets & financial investments
- 4.6.5.110 Failed financial investments
- 4.6.5.20 Assessing Fixed Term Deposits, Bonds, Securities
- 4.6.5.60 Assessing loans & guarantor arrangements
- 4.6.5.65 Loans that no longer exist
- 4.6.5.70 Assessing insurance bonds & policies
- 4.6.5.75 Treatment of superannuation & roll-over investments under the assets test
- 4.7.2.10 Assessable Income from Private Companies pre-01/01/2002
- 4.7.3.60 Summary of Assessable Income from Trusts pre-01/01/2002
- 4.8.1.10 Overview of superannuation
- 4.8.1.20 Types of Superannuation Funds
- 4.8.2 Assessment of superannuation investments
- 4.8.2.10 Principles for assessing superannuation investments
- 4.8.2.20 Early release of superannuation
- 4.9.2 Asset-Test Exempt (ATE) Income Streams
- 4.9.2.10 Characteristics of pre-20/09/2004 asset-test exempt income streams
- 4.9.2.15 Characteristics of asset-test exempt income streams purchased from 20/09/2004 & before 20/09/2007
- 4.9.2.20 Extension of asset test exemption to pre-20/9/98 defined benefit income streams
- 4.9.2.25 Asset Test Assessment of ATE Income Streams Purchased from 20/09/2004 & before 20/09/2007
- 4.9.2.30 Income test assessment of asset-test exempt income streams
- 4.9.2.40 Commuting an asset-test exempt income stream
- 4.9.2.50 Joint income streams
- 4.9.3.10 General provisions for asset-tested income streams
- 4.9.3.20 Means test assessment of asset-tested income streams (short term)
- 4.9.3.30 Means test assessment of asset-tested income streams (long term)
- 4.9.3.40 Account-based Income Streams - Relevant Number where Reversionary Beneficiary Exists
- 4.9.4.10 Background to income streams paid from SMSFs or SAFs
- 4.9.4.20 General Provisions for Assessing Income Streams Paid from SMSFs or SAFs
- 4.9.4.40 Actuarial valuation certificate for lifetime or life expectancy ATE income streams paid from SMSFs or SAFs
- 4.9.5 Life expectancy, pension valuation factor & payment factor tables
- 4.9.5.05 Table of life expectancy - payments commenced before 01/07/1983
- 4.9.5.10 Table of life expectancy - payments commenced on or after 01/07/1983 to 31/08/1988
- 4.9.5.20 Table of life expectancy - payments commenced on or after 01/09/1988 to 30/04/1993
- 4.9.5.30 Table of life expectancy - payments commenced on or after 01/05/1993 to 31/12/1995
- 4.9.5.40 Table of life expectancy - payments commenced on or after 01/01/1996 to 31/12/1999
- 4.9.5.45 Table of life expectancy - payments commenced on or after 01/01/2000 to 31/12/2004
- 4.9.5.46 Table of life expectancy - payments commenced on or after 01/01/2005 to 31/12/2009
- 4.9.5.47 Table of life expectancy - payments commenced on or after 01/01/2010 to 31/12/2014
- 4.9.5.48 Table of life expectancy - payments commenced on or after 01/01/2015 to 31/12/2019
- 4.9.5.49 Table of life expectancy - payments commenced on or after 01/01/2020 to 31/12/2024
- 4.9.5.50 Table of life expectancy - payments commenced on or after 01/01/2025
- 4.9.5.60 Pension valuation factors for defined benefit income streams
- 4.9.7.30 Income & Assets Test Assessment of Payments Arising from a Structured Settlement
- 4.9.8.10 Specific provisions for assessing income streams
- 4.9.8.20 Assessment of non-performing income streams
- 4.9.8.30 History of the treatment of income streams
- 5.2.2.20 Additional payments - April 1943 to March 2018
- 5.2.3.20 Widow class A & supporting parent's benefit (sole parent pension) - additional payments from October 1956 to January 1993
- 5.5.1.20 Pensioner couple, no children
- 5.5.1.40 Pensioner couple, 3 children
- 5.5.1.80 Partnered pensioner couple - compensation effect on partner
- 1.1.A.306 Asset-test exempt income stream
- 1.1.E.260 Extreme financial hardship - income stream withdrawals
- 1.1.I.110 Index number
- 1.1.I.70 Income stream
- 1.1.N.03 National Disability Insurance Scheme (NDIS) amount
- 1.1.R.70 Recent index number, base index number
- 4.13.2.10 Treatment of specific lump sums
- 4.6.2.10 General provisions for exempt assets
- 4.9.2.10 Characteristics of pre-20/09/2004 asset-test exempt income streams
- 4.9.2.15 Characteristics of asset-test exempt income streams purchased from 20/09/2004 & before 20/09/2007
- 4.9.2.40 Commuting an asset-test exempt income stream
- 4.9.2.50 Joint income streams
- 4.9.4.20 General Provisions for Assessing Income Streams Paid from SMSFs or SAFs
- 4.9.4.30 Documentation Required for Assessment of Lifetime or Life Expectancy ATE Income Streams Paid from SMSFs or SAFs
- 4.9.4.40 Actuarial valuation certificate for lifetime or life expectancy ATE income streams paid from SMSFs or SAFs
- 4.9.7.30 Income & Assets Test Assessment of Payments Arising from a Structured Settlement
- 4.9.8.20 Assessment of non-performing income streams
- 1.1.A.306 Asset-test exempt income stream
- 1.1.I.110 Index number
- 1.1.I.70 Income stream
- 1.1.R.70 Recent index number, base index number
- 4.13.2.10 Treatment of specific lump sums
- 4.9.2.10 Characteristics of pre-20/09/2004 asset-test exempt income streams
- 4.9.2.15 Characteristics of asset-test exempt income streams purchased from 20/09/2004 & before 20/09/2007
- 4.9.2.40 Commuting an asset-test exempt income stream
- 4.9.2.50 Joint income streams
- 4.9.4.20 General Provisions for Assessing Income Streams Paid from SMSFs or SAFs
- 4.9.4.30 Documentation Required for Assessment of Lifetime or Life Expectancy ATE Income Streams Paid from SMSFs or SAFs
- 4.9.4.40 Actuarial valuation certificate for lifetime or life expectancy ATE income streams paid from SMSFs or SAFs
- 4.9.7.30 Income & Assets Test Assessment of Payments Arising from a Structured Settlement
- 4.9.8.20 Assessment of non-performing income streams
- 4.9.2.15 Characteristics of asset-test exempt income streams purchased from 20/09/2004 & before 20/09/2007
- 4.9.2.40 Commuting an asset-test exempt income stream
- 4.9.5.80 Payment factors for market-linked income streams
- 4.9.7.30 Income & Assets Test Assessment of Payments Arising from a Structured Settlement
- 4.9.8.20 Assessment of non-performing income streams
- 1.1.S.370 Student income bank (YA, Austudy)
- 4.2.1.20 Additional Free Area for Dependent Children
- 4.3.9.10 Income from maintenance, property settlements & life interest
- 6.1.1.10 General provisions for income & assets reviews
- 1.1.A.230 Arm's length loan
- 1.1.A.240 Arm's length transaction
- 1.1.A.62 Adjusted taxable income (CSHC)
- 1.1.E.100 Employment
- 1.1.F.160 Foreign income (dependent YA)
- 1.1.I.170 Intending employee (YA)
- 1.1.J.30 Job search activities (higher rate MOB)
- 1.1.J.40 Job search activities (standard rate MOB)
- 1.1.S.20 Salary or wage earner
- 1.1.T.05 Target foreign income (dependent YA)
- 1.2.5.30 Sickness allowance (SA) - description
- 2.2.11 Disability & carer verification
- 2.2.7 Jobseeker payment & youth allowance verification
- 3.6.7.32 Assessment of income for CA
- 3.6.7.34 Treatment of income components for CA
- 3.9.3.30 Assessment of income for CSHC
- 3.9.3.33 Employer provided benefits - school fees, private health insurance & low interest loans
- 3.9.3.34 Employer provided benefits - housing assistance
- 3.9.3.36 Target Foreign Income
- 6.1.1.10 General provisions for income & assets reviews
- 6.2.2.10 PA reviews
- 6.2.6.10 SpB reviews - quarterly & annual intensive reviews
- 1.1.A.290 Asset
- 1.1.D.05 Daily accommodation payment, daily accommodation contribution (residential aged care)
- 1.1.H.75 Homeowner
- 1.1.I.140 Ineligible homeowner
- 1.1.P.165 Pension year
- 1.1.P.365 Pre-pension year
- 1.1.P.389 Primary producer, primary production
- 1.1.P.390 Primary production (assets, liabilities)
- 1.1.U.50 Unrealisable asset
- 3.8.1.100 Ineligible homeowners & RA
- 4.1 Deprivation of income & assets
- 4.10 Historical income & assets limits & information
- 4.1.1 General provisions of deprivation
- 4.1.2.10 Disposal of assets pre 1 July 2002
- 4.12.10.10 Disposal of Assets to a Private Trust or Private Company Before 01/01/2002
- 4.12.11 Primary Production Controlled Private Trusts & Controlled Private Companies
- 4.12.4.30 Determining Homeowners & Non-Homeowners where the Home is Owned by a Private Company or Private Trust
- 4.6.3.20 Determining homeowners & non-homeowners
- 4.6.3.40 Determining Homeowners & Non-Homeowners where Home Owned by a Company or Trust
- 4.6.3.50 Assessing dual occupancy homes
- 4.6.3.60 Exempting the principal home - temporary vacation of property
- 4.6.3.80 Exempting the principal home - sale proceeds (for homes sold between 01/07/2007 & 31/12/2022)
- 4.6.4.10 General provisions for special residences
- 4.6.6.20 Overseas real estate, partner's share of a business & assets not readily accessible
- 4.6.7.10 General provisions for hardship
- 4.6.7.110 Notional ordinary income - person's farm used by a family member
- 4.6.7.120 Notional ordinary income - other farming situations
- 4.6.7.130 Rate calculation under the hardship provisions
- 4.6.7.50 Unrealisable assets - unable or unreasonable to sell or borrow against
- 4.6.7.80 Notional ordinary income - overview
- 4.6.7.90 Notional ordinary income - non-farm property & other assets
- 4.6.8.60 Long term (20-year) continuous attachment to land
- 5.5.6 Samples of assets test hardship calculations
- 1.1.A.110 Aged care (residential)
- 1.1.A.58 Adjacent land
- 1.1.C.25 Care situations
- 1.1.L.50 Liquid assets
- 1.1.P.20 Parental home (JSP, YA, DSP, RA)
- 1.1.P.390 Primary production (assets, liabilities)
- 1.1.P.420 Principal home
- 1.1.R.15 Real assets (HEAS)
- 1.1.R.160 Rent (RA)
- 1.1.R.180 Rent payable (RA)
- 1.1.R.50 Reasonable security of tenure
- 1.1.S.25 Sale leaseback (agreement, residence)
- 1.1.S.70 Security (HEAS)
- 1.1.T.45 Temporarily absent from a care situation
- 1.1.T.50 Temporary accommodation (RA)
- 3.2.6.20 Rules that determine the need to live away from home for YA
- 3.4.5.20 Security for HEAS
- 3.4.5.90 Repayment of a HEAS loan
- 3.8.1.100 Ineligible homeowners & RA
- 3.8.1.104 Special RA rules for young single people
- 3.8.1.90 Temporary accommodation & RA
- 4.1.6 Deprivation related to home & accommodation transfers
- 4.12.11.10 Aggregation Assessments of Controlled Primary Production Private Trusts & Private Companies
- 4.12.4.30 Determining Homeowners & Non-Homeowners where the Home is Owned by a Private Company or Private Trust
- 4.12.5.20 Apportioning a Liability of a Controlled Private Company or Controlled Private Trust
- 4.3.8.30 Income from real estate
- 4.4.2 Deeming of Financial Investments
- 4.6.2.10 General provisions for exempt assets
- 4.6.3 Assessing the principal home
- 4.6.3.10 General provisions for assessing the principal home
- 4.6.3.20 Determining homeowners & non-homeowners
- 4.6.3.30 Defining the principal home
- 4.6.3.40 Determining Homeowners & Non-Homeowners where Home Owned by a Company or Trust
- 4.6.3.50 Assessing dual occupancy homes
- 4.6.3.60 Exempting the principal home - temporary vacation of property
- 4.6.3.70 Exempting the principal home - care situations
- 4.6.4.10 General provisions for special residences
- 4.6.4.20 Hostels or low care facilities assessed before 01/10/1997
- 4.6.4.30 Assessing retirement villages
- 4.6.4.40 Assessing sale leaseback residences
- 4.6.5.10 Assessing personal effects, household contents, vehicles & cash
- 4.6.7.10 General provisions for hardship
- 4.6.7.100 Notional ordinary income - net value of a farm
- 4.6.8 Assessing land adjacent to the principal home
- 4.6.8.10 Defining land adjacent to the principal home
- 4.6.8.20 Defining title document & exceptions
- 4.6.8.30 Grandfathering provisions for more than one title
- 4.6.8.40 Private land use test
- 4.6.8.50 General provisions for the extended land use test
- 4.6.8.60 Long term (20-year) continuous attachment to land
- 4.6.8.70 Determining the effective use of the land
- 4.7.2.30 Treatment of Assessable Assets - Private & Unlisted Public Companies - Not Assessed Under Trusts & Companies Rules
- 4.7.4.20 Primary Production Aggregation Assessment for Sole Traders & Partnerships
- 5.1.8.30 Common provisions affecting calculation of a rate
- 6.1.2.40 Reviews - Sale of Home & Temporary Absence from Principal Home
- 7.2.1 Pre-departure arrangements for portable payments
- 1.1.E.130 Entry contribution
- 1.1.R.270 Retirement village
- 1.1.R.280 Retirement village resident
- 3.8.1.102 Special RA rules for people in accommodation for older people (life interest rules)
- 4.6.4.10 General provisions for special residences
- 4.6.4.30 Assessing retirement villages
- 1.1.E.130 Entry contribution
- 1.1.G.65 Granny flat (resident, interest)
- 3.8.1.102 Special RA rules for people in accommodation for older people (life interest rules)
- 4.1.1 General provisions of deprivation
- 4.1.6 Deprivation related to home & accommodation transfers
- 4.1.7 Deprivation related to farm transfers
- 4.6.4.10 General provisions for special residences
- 4.6.4.70 Granny flats - additional features
- 6.1.5 Reviews of granny flat reasonableness
- 1.1.E.130 Entry contribution
- 1.1.H.70 Home equity conversion agreement
- 1.1.S.25 Sale leaseback (agreement, residence)
- 3.8.1.102 Special RA rules for people in accommodation for older people (life interest rules)
- 4.6.4.10 General provisions for special residences
- 4.6.4.40 Assessing sale leaseback residences
- 1.1.E.240 Extra allowable amount
- 1.1.S.255 Special residence, special resident
- 1.1.S.435 Supported residential services
- 3.8.1.102 Special RA rules for people in accommodation for older people (life interest rules)
- 4.6.3.20 Determining homeowners & non-homeowners
- 4.6.4.10 General provisions for special residences
- 4.6.4.50 Granny flats - features, rights & interests
- 1.1.A.110 Aged care (residential)
- 1.1.B.70 Board & lodging (RA, SpB)
- 1.1.C.25 Care situations
- 1.1.G.50 Government rent (RA)
- 1.1.I.140 Ineligible homeowner
- 1.1.N.140 Nursing home or high level care home
- 1.1.R.160 Rent (RA)
- 1.1.R.180 Rent payable (RA)
- 1.1.R.190 Rent threshold (RA)
- 1.1.S.400 Sub-tenant in public housing (RA)
- 2.2.13.20 RA - verification required
- 3.1.5.70 The lump sum bereavement payment - member of a couple
- 3.8.1.100 Ineligible homeowners & RA
- 3.8.1.10 Qualification for RA
- 3.8.1.106 Special RA rules for couples & families with children
- 3.8.1.108 Assessing RA payable
- 3.8.1.110 Sharers provisions for RA
- 3.8.1.60 Payments that may be treated as rent
- 3.8.1.70 Board & lodging for RA
- 3.8.1.80 Government rent & RA
- 3.8.1.90 Temporary accommodation & RA
- 4.6.3.20 Determining homeowners & non-homeowners
- 4.6.4.20 Hostels or low care facilities assessed before 01/10/1997
- 4.6.4.30 Assessing retirement villages
- 5.5.1.70 Single person, no children, receiving RA
- 6.2.7.10 RA reviews
- 1.1.R.150 Remote area (RAA)
- 1.2.7.80 Remote area allowance (RAA) - description
- 3.8.8.10 Qualification for RAA
- 3.8.8.20 Payability of RAA
- 3.8.8.40 Usual place of residence for RAA
- 7.1.3 Payments & concession cards with limited portability
- 1.1.E.105 Employment termination payment (ETP)
- 1.1.L.50 Liquid assets
- 1.1.U.20 Unavoidable or reasonable expenditure (JSP, YA, PP, Austudy)
- 3.1.2.20 Liquid assets test waiting period
- 3.1.2.30 Treatment of liquid assets
- 3.1.3 Notification & recipient obligations
- 3.7.4.10 Qualification for CrP - general provisions
- 4.2.8.40 Independent YA - partner income test & limits
- 4.3.4.40 Hardship provisions for the IMP
- 4.6.2.10 General provisions for exempt assets
- 5.4.6.40 Formula for calculating special employment advance payments
- 1.1.I.120 Industrial action (JSP, YA, Austudy, PP & SpB NVH recipients)
- 3.3.1.10 Qualification for PA
- 3.7.2.100 SpB when partner is unable to provide support
- 1.1.A.375 AWOTE, relevant AWOTE, AWOTE weeks
- 1.1.I.195 Intermittent work
- 1.1.S.60 Seasonal work
- 1.1.S.61 Seasonal/intermittent work earnings
- 1.1.W.15 Weeks: seasonal work, intervening & self-supported
- 3.1.7.10 Who is affected by the SWPP
- 3.1.7.50 Sample calculations - SWPP
- 3.2.3.30 Waiting, preclusion & exclusion periods for YA
- 3.6.1.50 Payability of DSP
- 8.1.2.40 Claim determination - payment specific provisions
- 1.1.M.100 Medical evidence (DSP, JSP & partial capacity to work)
- 1.1.P.65 Partial capacity to work (JSP, YA (job seeker), PP & SpB (NVH))
- 1.1.R.133 Relevant minimum wage (DSP, MOB, Partial capacity to work & CA)
- 3.11.7 Mutual obligation requirements for people with a partial capacity to work
- 3.2.3.10 Qualification for YA
- 1.1.C.240 Compensation
- 1.1.C.250 Compensation affected payment
- 1.1.D.16 Damages
- 1.1.E.10 Economic loss compensation
- 1.1.N.110 Non-economic loss compensation
- 1.1.P.180 Periodic payments period
- 1.1.S.42 Saved compensation affected payment
- 3.1.9 Compensation provisions
- 3.1.9.10 Compensation & payability
- 3.15.2.20 Payability of ES
- 3.4.11.20 Payability of PBBP
- 3.6.2.40 Assessment of permanent blindness for DSP
- 3.9.1.70 LIC - assessment of income
- 4.13 Compensation
- 4.13.1 Overview of Compensation
- 4.13.1.10 What is compensation
- 4.13.1.20 Assessment of compensatory type payments
- 4.13.1.25 Treatment of specific compensatory type payments
- 4.13.1.30 Effect of compensation on compensation affected payments
- 4.13.1.50 Exemptions from the compensation provisions
- 4.13.1.60 Effect of Compensation on Low Income Health Care Cards
- 4.13.2.10 Treatment of specific lump sums
- 4.13.2.20 Treatment of Periodic Payments Paid as a Lump Sum
- 4.13.2.30 Compensation part of lump sum - 50% rule
- 4.13.2.40 Compensation part of lump sum - judgement by contested hearing
- 4.13.2.50 Aggregation of multiple lump sums
- 4.13.2.60 Lump Sum Preclusion Period - General
- 4.13.2.70 Commencement of lump sum preclusion period
- 4.13.3.10 Overview of periodic compensation payments
- 4.2.1.10 Pensions income test
- 4.2.4.10 PPS income & assets tests & limits
- 4.3.1.30 Rate of income - couples, blind pensioners & children
- 4.3.5.60 About DVA compensation payments
- 4.3.9.30 Income from personal injury insurance schemes
- 4.3.9.50 Income from gifts, legacies, royalties & native title claims
- 4.6.2.10 General provisions for exempt assets
- 4.9.7.30 Income & Assets Test Assessment of Payments Arising from a Structured Settlement
- 4.9.8.10 Specific provisions for assessing income streams
- 5.5.1.80 Partnered pensioner couple - compensation effect on partner
- 5.5.3.60 Partnered allowance recipient - compensation effect on partner
- 5.5.4.40 PPP, compensation effect on partner
- 6.4 Compensation Recovery
- 6.4.1 Compensation recovery in specific circumstances
- 6.4.2 Overview of Recovery Rules
- 6.4.4 Recovery Rules Specific to Periodic Payments
- 6.7.1.80 Compensation related debts
- 1.1.Q.40 Qualifying study (Austudy, YA, PES, FAA)
- 1.2.7.90 Fares allowance (FAA) - description
- 3.8.9.60 Payment of FAA
- 1.1.N.03 National Disability Insurance Scheme (NDIS) amount
- 4.2.5 CP income & assets tests
- 4.6.2.10 General provisions for exempt assets
- 1.1.L.50 Liquid assets
- 1.1.P.236 Personal financial crisis - OWP
- 1.1.S.125 Severe financial hardship - OWP, SWPP, LAWP, IMP
- 1.1.U.20 Unavoidable or reasonable expenditure (JSP, YA, PP, Austudy)
- 3.1.2.20 Liquid assets test waiting period
- 3.1.2.70 Exemptions from waiting periods
- 3.1.7.80 Waiver of the SWPP
- 4.3.4.40 Hardship provisions for the IMP
- 1.1.L.50 Liquid assets
- 1.2.6.30 Crisis payment (CrP) - description
- 3.7.4.10 Qualification for CrP - general provisions
- 1.1.P.236 Personal financial crisis - OWP
- 1.1.S.125 Severe financial hardship - OWP, SWPP, LAWP, IMP
- 3.1.2.70 Exemptions from waiting periods
- 1.1.P.155 Pension supplement
- 1.2.10.10 Pension supplement - description
- 3.12.1 Pension supplement - qualification & payability
- 1.1.B.25 Bereavement lump sum period
- 1.1.B.30 Bereavement notification day
- 1.1.B.40 Bereavement period
- 1.1.B.50 Bereavement rate continuation period
- 1.1.F.150 First available bereavement adjustment payday
- 3.10.4.20 Notification period for bereavement events - 28 days
- 3.1.5.100 Bereavement payment provisions for PA recipients
- 3.1.5.110 Bereavement payment provisions for PP recipients
- 3.1.5.112 Death of PP recipient's partner
- 3.1.5.30 Bereavement payment provisions for couples
- 3.4.5.90 Repayment of a HEAS loan
- 5.3.1.30 Taxation exemptions related to death
- 6.3.1 Non-payment-specific overpayments
- 7.3.2 CFP exemptions
- 1.1.A.260 Articulated courses (YA)
- 1.1.A.270 Articulated short course sequence (YA, Austudy, PES)
- 1.1.A.28 Accumulator
- 1.1.A.290 Asset
- 1.1.A.310 Assuree, assurer, assurance of support, assurance of support security
- 1.1.A.320 Australia
- 1.1.A.324 Australian Apprentice (YA, Austudy)
- 1.1.A.55 Adequate financial consideration (deprivation)
- 1.1.A.79 Adult with a disability (CA, CP)
- 1.1.B.08 Base year (CA)