Read about the

Senior Australian
of the Year in our
feature story
Seniors
News
FOR
ISSUE 90 | MARCH/APRIL 2013
A publication offering information, guidance and inspiration to Australian senior citizens
Clean Energy Supplement payments begin
Evas caravan cooking adventures
Senior veterans still serving
Outback tech
Express Plus Seniors App
NEWS FOR SENIORS | ISSUE 90 2
INTRODUCTION
In this issue
FEATURES
Message from the Minister 4
Feature story 5
Online 101 10
Grey Nomads 18
Anzac Day 2013 20
Letters to the Editor 26
Contacts 31
Still inspiring
Life as an Australian with
more than half a century
behind you comes with a lot
of responsibility.
As a community we look to
our senior members to be the
counsellors, nurturers and
healers for us all.
There have been many such
gures who have taken
part in altering our path
as a nation. The Senior
Australian of the Year award
was created in recognition
of this critical role, and we
are proud to celebrate the
2013 recipient, Emeritus
Professor Ian Maddocks AM,
in this edition.
Every year, the Australia Day
awards reect our nations
identity, displaying our
evolving relationship with the
rest of the world, our love of
sport, our multiculturalism,
our belief in tolerance and
fairness and the special status
of Australias Aboriginal and
Torres Strait Islander people.
DISCLAIMER The Australian
Government has attempted to
ensure the information in this
publication is accurate. However,
the Government does not warrant
that the information is accurate or
complete nor will it be liable for
any loss suered by any person
because they rely in any way on
it. You should contact your local
Department of Human Services
oce or Department of Veterans
Aairs state oce for full details
of any entitlements and services to
which you may be eligible, or how
any pending changes in legislation,
programs or services may aect you.
News for Seniors editorial enquiries
Email: editornfs@humanservices.gov.au
Mail: Editor, News for Seniors
PO Box 7788
Canberra BC, ACT 2610
News for Seniors incorporates information for service
pensioners, war widows and widowers.
If you would like to receive
News for Seniors in a language
other than English or if you
are vision impaired and
would like to receive an audio
version, call 131 202.
To view English and
non-English versions go to
humanservices.gov.au/
newsforseniors
19
Cover image
Emeritus Professor Ian Maddocks AM,
2013 Senior Australian of the Year.
humanservices.gov.au 3
TECHNOLOGY
10
HEALTH
16
As David Marr noted, Money
and power arent the point
here. The rich have no place
on the list. Raw success isnt
enough. There has to be
something more, some sense
of distinction that lifs a
candidate out of the ruck of
the famous. (The Australian,
26 January 2012).
Life is a highway
Over the past decade, more
seniors have been opting to
spend time and money on the
open road.
Its predicted that, by 2050,
the number of Grey Nomads
will more than double the
thousands already setting
o today.
These days they travel in
comfort, with UHF radios,
solar panels and barbeques.
Some even have access to
digital television whilst on
the road.
Read more about the
caravanning craze and life on
the open road on page 18.
Tech talk
Staying connected in later
life is becoming the catch-cry
for the over 55 age group in
the 2010s.
Online technology has become
an increasingly eective way
of communicating with the
world; be it with immediate
friends and family, overseas
relatives or colleagues.
While there are many
traditionalists out there,
increasingly people of all ages
are becoming aware of how
digital communication may
benet them.
Take for instance the Murray
Bridge community in rural
South Australia. The Murray
Mallee Aged Care Group
recognised the potential for
the seniors they care for to
be able to connect with their
community from the comfort
of their own homes. A three-
year government-funded
project ensued, keeping
both seniors and their
service providers connected
and informed.
Read more about older
Australians powering ahead
online in our Technology
section (page 10), along with
other articles to help you join
them today.
LIFESTYLE
18
NEWS
6
PAYMENTS
24
News for Seniors advertising enquiries
Contact: CouchCreative
Email: sales@couchcreative.com.au
The Department of Human Services and the Commonwealth
of Australia do not endorse and are not responsible for the
views, products or services oered or provided by advertisers.
NEWS FOR SENIORS | ISSUE 90 4
INTRODUCTION
Message from the Minister
In Australia we have the opportunity to break
down barriers to build a strong inclusive
society. One where people have the right to
live their lives the way they wantwhere
they can achieve their aspirations and be
valued by their community. Where people,
having worked hard for the majority of their
lives are able to feel secure and supported by
their government.
My Department works hard to help keep you
connected to the world around you. We strive
to create stronger, more resilient people
and communities through access to clear
information and tailored services.
The work of our Smart Centres is a good
example of this. Our Smart Centres handled
about 38 million calls last nancial yearthe
highest ever recorded.
Another great way to stay connected to
government support and services is through
our online services. Already, over 600 000
age pensioners have registered to use the
Departments online services to conduct
their business and stay connected with us.
Our mobile apps, one of which is designed for
seniors, are already making it easier for people
to reach us where and when they want to.
I look forward to being a part of the
development of future service delivery
innovations and getting to know the seniors
sector even better so that we can work
together in the interests of older Australians
right across Australia.
Senator the Hon Jan McLucas
Minister for Human Services
I am honoured to be appointed as the
Minister for Human Services, afer having
served as the Parliamentary Secretary for
Disabilities and Carers for the past two and
a half years and afer nearly a decade of
being involved in the disability, carers and
health sectors.
humanservices.gov.au 5
Ita Buttrose is certainly not about to take her
responsibility as 2013 Australian of the Year lightly.
In accepting the Australia Day award she promised that
she would use her title to reverse what she perceives as
ageist attitudes in our society. Just because youre old,
doesnt mean youre not a person.
Ms Buttrose, 71, was acknowledged for her
groundbreaking media career in the traditionally male-
dominated world of print media, as well as her ongoing
dedication to raising awareness of health issues such as
Alzheimers disease and breast cancer.
The achievements attributed to Ms Buttrose as
Australian of the Year and Emeritus Professor
Ian Maddocks AM, who was awarded Senior Australian
of the Year, are not without similarities.
Now 82, Professor Maddocks is a renowned palliative
care specialist whose work helping the terminally
ill correlates with his passionate advocacy for peace.
He has been a key leader for many years in both the
Medical Association for the Prevention of War and the
International Physicians for Prevention of Nuclear
Waran organisation which was awarded the Nobel
Peace Prize for its work in 1985.
When asked by ABC journalist Ashley Hall why he
believes he won the award, Professor Maddocks said:
Well partly because Im old... He then went on to
say, ...and partly, I guess, people are interested in
some of the things that Ive been able to do in this
rather extended life. But I think mainly its a matter
of celebrating palliative care, which has been the
discipline Ive been involved in for the last 25 years.
And thats care of the dying, its about how you
can make terminal illness into something which is
positive and which a family can feel happy with as they
see the departure of the loved one going well.
If theres someone who you think should be
considered for the Australian of the Year Awards 2014,
nominate them with a form you can get from any
Commonwealth Bank branch, ll out the online form at
australianofheyear.org.au or call 1300 655 193.
Australian of the Year Awards
FEATURE | ITA BUTTROSE AND EMERITUS PROFESSOR IAN MADDOCKS
Emeritus Professor Ian Maddocks AM,
2013 Senior Australian of the Year
Inset: Ita Buttrose, 2013 Australian of the Year
Image courtesy of National Australia Day Council
NEWS FOR SENIORS | ISSUE 90 6
NEWS
Australia and Latvia
new social security agreement
On 1 January 2013, the social security agreement
between Australia and Latvia started.
If you have lived in Latvia, the new agreement may be able
to help you receive an Australian Age Pension and/or one of
the following Latvian pensions:
Age pension
Survivors pension.
The agreement allows you to combine your periods of
residence in Australia and Latvian insurance periods to
help you qualify for benets from both countries.
If you think you may be eligible to receive a Latvian pension,
but have not received claim forms yet, you can call our
International Services to arrange for the forms to be sent
to you. We also provide a free service to help you ll in
forms and photocopy and certify original documents needed
for your claim. We will verify your periods of residence in
Australia and send the claim documents to Latvia.
For more information:
visit the Department of
Human Services website
humanservices.gov.au/
international and download
the Social Security Agreement
between Australia and Latvia
factsheet, available in English
and Latvian
call the Department of Human
Services, International Services
call centre on 131 673, or
call 131 202 to speak to
someone in a language other
than English.
The Express Plus Seniors
App is ready to download
for a simple, fast and mobile
way for you to do your
Centrelink business.
If you get the Age Pension
and have a smart phone or
tablet you may be able to use
Express Plus Seniors.
Retired Victorian academic
Patricia Reeve has been
making the most of her
Express Plus Seniors App since
it was launched in December
last year.
Its another option and people
can choose which option suits
them best, but its so exible I
think Ill be using this one all
the time, Patricia says.
I can report my fortnightly
income while Im working
part-time and having a
part pension. Theres also
my correspondence with
the Department I can have
on here so I dont have to
remember where Ive led it
or not led it or shoved it in
the cupboard. And I can get
access to that anywhere.
Express Plus Seniors also
allows you to:
claim an Advance Payment
request a Centrelink
statement, income
statement and payment
summary
view money you owe
store letters and documents
in the Secure Vault
get receipt numbers for
your transactions
capture and upload
documents
use a reporting timesheet
to record daily earnings
report your income.
Express Plus Seniors
humanservices.gov.au 7
Express Plus Appsconnecting
with Centrelink just got easier
All it takes is four simple steps to get connected:
Register 1
Download 2
Log on 3
Set up 4
For more information about Express Plus Apps,
visit humanservices.gov.au/expressplus
Apple, and the Apple logo are trademarks
of Apple Inc., registered in the U.S. and
other countries.
App Store is a service mark of Apple Inc.
Google Play is a trademark of Google Inc.
1
0
2
8
2
.
1
2
1
2
Its like having a service centre on your mobile device. There is an
Express Plus App for Families, Job Seekers, Students and Seniors.
FAMILIES JOB SEEKERS STUDENTS SENIORS
HUMS 40886 Express Plus_Press_A4_AW_R.indd 1 1/02/13 2:16 PM
NEWS FOR SENIORS | ISSUE 90 8
NEWS
Financial Information Service
Leaving the country?
Update your income before you go....
If you are a Commonwealth
Seniors Health Card holder
and are planning to travel
outside Australia for more
than six weeks, you should
update your income amount
before leaving to avoid a
lengthy re-claim process.
New rules from 1 January 2013
mean that your Commonwealth
Seniors Health Card will be
cancelled if youre outside
Australia for more than six
weeks. If you update your
income amounts before you
leave and contact us as soon
as you can when you return to
Australia, this will allow for a
quick re-claim to be done over
the phone.
This sort of re-claim can only
be made within 13 weeks of
your card being cancelled.
If its between 13 and 26
weeks of cancellation you will
have to re-claim either online
or by paper claim. Afer 26
weeks, you will need to make
a full claim either online or
by paper claim.
For more information go to
humanservices.gov.au/
seniorshealthcard or
call 132 300.
Financial knowledge
can help you make
informed decisions to
manage your nances.
The Department of
Human Services Financial
Information Service (FIS)
ocers provide free,
independent education and
nancial information through
seminars, or you can talk to
a FIS ocer over the phone
or by appointment. You do
not need to be receiving a
government payment to talk
to them.
Financial Information Service
ocers provide information
to help people make informed
decisions about investment
and nancial issues.
They are not nancial
planners and do not give
or sell advice or purchase
investment products.
The seminars are aimed at
people in the workforce,
people who are about to retire
and people who have already
retired. They are free, and you
can attend as many as you
like. Families and groups are
welcome at all seminars, but
bookings are essential.
Topics covered in the
seminars include:
creating wealth
understanding
superannuation
understanding diferent
kinds of investments
Age Pension, and
accommodation options
in retirement.
You can contact the Financial
Information Service by
calling 132 300. Go to
humanservices.gov.au/s
to nd a list of local seminars
and then call 136 357 to
make a booking.
humanservices.gov.au 9
FREE Hearing Aids
for Pensioners
*
Title
First name
Last name
Address
Suburb
State Postcode
Date of Birth
/ /
Phone
( )
Email
@

YES, please contact me to make an appointment
for a FREE hearing test at my nearest AudioClinic.

Please complete and mail postage-free to:

AudioClinic, Reply Paid 509, North Ryde BC NSW 1670
* Conditions apply to clients under the Australian Government Hearing Services Program. PRIVACY STATEMENT: The information you provide is
collected by AudioClinic Australia in compliance with the Privacy Act (Cth) 1988. You can view AudioClinic Australias full privacy policy by visiting
www.audioclinic.com.au/privacy-policy. By providing your contact details, you agree to be contacted by AudioClinic Australia on hearing health
for an indenite period. AudioClinic Australia may share your information with afliates, contractors or service providers who act on our behalf, are
subject to condentiality agreements and will only use that information for the purposes for which we provide it. Except where you are otherwise
notied, AudioClinic Australia will not make your personal details available to unrelated third parties. AudioClinic Australia does not sell or rent the
personal information it collects. You can opt out of receiving information at any time by calling 1800 057 220. AC00096 12/12
Eligible pensioners may be
tted at AudioClinic with
free hearing aids funded by
the Australian Government
Hearing Services program.*
Special benets are also
available for self-funded
retirees or people still working.
AudioClinic offers FREE
hearing tests at over 200
locations Australia-wide.
Cut out and post the form
or freecall 1800 043 502
to make an appointment.
216081 1212 AC00096 News For Seniors Advert.indd 1 20/12/12 3:14 PM
NEWS FOR SENIORS | ISSUE 90 10
TECHNOLOGY | ONLINE 101
As we get older it can feel
that the summits have all
been reached. But what if the
world could be at our feet
once moreor even better, at
our ngertips?
Thats a feeling that
Cassandra Cooke knows well.
At 65, she lives with chronic
back pain and a health
condition that requires her
to be on oxygen 24 hours a
day. Its hard to leave home
for long periods of time, and
everyday errands can be
a struggle.
But Cassandra is still stocking
her own pantry, living
independently, and seeing
her family and friends all
the time.
Whats her secret? A home
computer. With email and
online shopping, the powers
all in Cassandras hands.
Being able to email my
friends and talk to my Dad
with a web camera via the
internet is very important to
me, Cassandra says. Since
its not easy for me to leave
the house, it really keeps my
spirits up.
So when Cassandras
computer broke down in
late October, there was no
time to spare. A friend gave
Cassandra the number for
WorkVentures, a not-for-
prot enterprise oering
low-cost computers.
I wasnt sure if I would
be eligible to purchase a
computer from WorkVentures,
but when I phoned them
they had no hesitation. They
were absolutely wonderful,
Cassandra says. I explained
to them that I needed a
computer to order groceries
online and they were so
understanding of the urgency
that they built a computer
for me and had it sent over
within 24 hours.
Cassandra applied for an
advance on her Age Pension
to cover the cost of the
computer, which she will
pay back in $30 fortnightly
instalments. I borrowed the
money right away so I could
get the computer as soon
as possible. Everyone was
so helpful.
Now WorkVentures wants to
spread the word to seniors.
Our goal is to help those
whove traditionally been on
the wrong side of the digital
divide to take charge of their
lives through technology,
says WorkVentures CEO
Arsenio Alegre. Our
aordable and user-friendly
computers are important; but
so too are the friendly sta
on the free WorkVentures
hotline and the video
tutorial package.
WorkVentures oers
refurbished computer
packages, including video
tutorials and delivery, from
$269. For more information
contact WorkVentures on
1800 112 205 or collect a
Low Cost Computer yer from
any Centrelink Service Centre.
Low-cost computers expand your horizons
There are moments in life when the world is at your feet. Racing down the hill with the
training wheels o your bike. Cashing your rst pay-cheque from your very rst paying
job. Setting o on the trip of a lifetime, with a dream but no xed plans. Its freedom.
I wasnt sure if I would be eligible to
purchase a computer from WorkVentures, but
when I phoned them they had no hesitation.
They were absolutely wonderful...
humanservices.gov.au 11
The original and the best
PHONE 7 DAYS ON FREECALL 1800 111 811
www.mrspeggs.com.au
(+P&H)
Large

$
199
Small
$
189
D
ISCO
U
N
T
FO
R SEN
IO
RS
Folds fat
Portable
Easy to reach
Ultra-strong
Ideal for indoors
Energy saving
Lightweight (3kg)
Holds a washload
Fully assembled
Two year warranty
Queen sheet pictured
Its easy
to reach!
Large (10 lines) L 171 W 75 H143cm
Small (8 lines) L 145 W 60 H130cm
Call today for a FREE Tour Brochure
TOLL FREE 1800 074 363
www.bomboraresort.com.au
Gold Coast Tours
priced from
$850 for singles or
$7
5
0
per person twin share
for 7 Nights!!
BOMBORAS ALL INCLUSIVE
TOUR PACKAGES INCLUDE
l Gold Coast Explorer (7 nights)
l Scenic Sunshine Coast (7 nights)
l Tweed Coast Escape (7 nights)
l Outback Queensland Adventure (13 nights)
l Cairns & Cooktown (7 nights)
l The Gulf Of Carpentaria (8 nights)
l Incredible East Coast of Queensland (10 nights)
l Darwin & Kakadu Top End Special (6 nights)
l Real Red Centre Tour (8 nights)
l Kimberley Coast WA(9 nights)
l Port Stephens & Hunter Valley (7 nights)
l Cape York Expedition (9 Nights)
Bombora has its own
resort in Coolangatta,
Queensland. From here
guests can participate
in some of our fantastic
tour packages. Other tour
packages are operated
from other incredible
destinations through out
Australia.
Bombora is 100% Australian, family owned and operated for over 40 years.
We pride ourselves in maintaining our 5 star service to all of our clients.
Vec-BOMBORA_Cover_1.pdf 1 25/10/12 5:26 PM Vec-BOMBORA_Cover_1.pdf 1 25/10/12 5:26 PM
Vec-BOMBORA_Cover_1.pdf 1 25/10/12 5:26 PM
N
o
w

A
v
a
i
l
a
b
l
e
2
0
1
3

T
o
u
r

B
r
o
c
h
u
r
e

N
o
w

A
v
a
i
l
a
b
l
e
2013NewsForSeniorsAd.indd 1 5/12/12 1:09 PM
Make the internet your own
Senator Jan McLucas: I rely on the internet
to keep up with all the news. I have online
subscriptions to the major newspapers.
Being a senator from North Queensland,
I regularly travel to dierent parts of Australia.
Its handy to know what the weathers doing, so
bom.gov.au is a necessity for me!
Senator Stephen Conroy: Im proud to support
Internet Basics, a new website the Government
has developed specically for newcomers to
the web. You can learn how to set up an email
account, how to nd what youre looking for
using search engines, and connect with family
and friends in a safe and secure manner.
Its available online at Internetbasics.gov.au
or through the Governments Digital Hubs
program. Visit dbcde.gov.au/digitalhubs to see
if theres a hub near you.
Arsenio Alegre: Im a big fan of Skype.
It allows two people to video chat wherever
they are in the world, at a much lower cost than
a landline or mobile phone call. Facebook is
another great way to swap news with friends
and keep an eye on what the grandkids are up
to. WorkVentures has developed new tutorials
to get people started, based on the questions
that seniors have asked us in the past. Further
information about courses and training oered
by WorkVentures can be found on our website,
workventures.com.au
Hank Jongen: I encourage all seniors who
are online to sign up for our online services
at australia.gov.au Once youre registered,
its a fast and easy way to stay on top of your
entitlements. You can also keep up with all
the news from the Government through our
website, humanservices.gov.auincluding
News for Seniors!
Have you got a favourite
website or online service?
Send in your tips for the next
edition of News for Seniors.
NEWS FOR SENIORS | ISSUE 90 12
The Australian Bureau
of Statistics tells us that
the number of older
Australians using the
internet almost doubled
between 2003 and
2009a survey revealed
that 42 per cent of people
aged 60 or over accessed
the internet within the
previous 12 months. And
the trend is on the up.
Senior surfers are mostly
using it for email, accessing
chat sites and government
services, paying bills
and shopping.
And with more seniors
getting online, theres a new
demand for fast and reliable
access. Thats where the
National Broadband Network
(NBN) comes into play.
Under this federal
government program,
93 per cent of Australian
homes and businesses will
receive a super-high-speed
optical bre connection
that will replace the ageing
copper network currently
used for home phones and
the internet. The remaining
7 per cent in regional and
remote areas of Australia will
be connected to xed wireless
and satellite technologies,
both of which oer fast,
more reliable broadband
internet connections.
Nan Bosler, president of
the Australian Seniors
Computers Club Association,
says: With the increased
capacity and speed so many
more things are going to be
possible. Its just fantastic
to help seniors open up
new doors.
Some NBN telephone plans
are oering untimed national
calls for just 10 cents, and
calls to countries around
the world from just a cent
a minute. The NBN could
also mean you can stay in
your own home for longer,
building on the experience of
people like Cassandra Cooke
(on page 10). And its not just
the groceries that will come
home-delivered.
David Ryan, from the
Grampians Rural Health
Alliance, says: People with
chronic diseases, like diabetes
or heart failure or asthma,
will be able to have their
condition remotely monitored.
Theyll be at home. Theyll be
able to take their blood sugar
levels or their peak ows, and
also have a video consult with
a nurse in a remote location.
The National Broadband
Network means better access
to healthcare for people
around the country, says
Dr Penelope McNulty from
Neuroscience Research
Australia. Well be able to
take therapy to them, instead
of asking them to come to us.
So its a brave new world
with a place for every senior.
Move over, Gen Y
Australias seniors are getting online.
TECHNOLOGY | ONLINE 101
humanservices.gov.au 13
Computer tutors
wanted for
broadband kiosks
New Broadband for Seniors kiosks
are continuing to open around the
country, with about 2,000 now active
across Australia.
The volunteer tutors based in the kiosks
provide people aged 50 years and over with
free, personalised support and training in
how to use a computer and the internet in an
environment that is welcoming and suited to
their needs.
Andrew Leung, himself a senior, has been a
volunteer tutor at the Finbar Neighbourhood
House kiosk in Richmond, Victoria, since the
kiosk began in 2010.
He volunteers four days a week and has even
been known to make house calls if people are
unable to attend tutorials or have purchased a
new computer and need help setting it up.
I think one-on-one tutoring for seniors is very
important, he says.
It is far more eective this way, as it enables
privacy and builds condence as each senior is
individual and dierent.
The communication ties developed at the
kiosks are a lot more far-reaching than the
immediate group, with participants ofen
taking their new-found knowledge back to
friends and family to encourage them to
get online.
Seniors are more interested in learning how
to connect with their family and friends afer
nding out about family trees or by accessing
information about their favourite pastime or
hobby, Andrew says.
A seniors life is enriched once they no longer
fear the internet, and feelings of isolation and
loneliness are also reduced.
Broadband for Seniors kiosks are
always looking for new volunteer
tutors, like Andrew, who are able
to spare some time to help other
older Australians connect with
their community.
Organisations interested in hosting a
Broadband for Seniors kiosk, or seniors keen to
volunteer as a tutor, should call the Broadband
for Seniors helpline on 1300 795 897 or
email info@necseniors.net.au
Locations of Broadband for Seniors
kiosks across Australia are available from
the Broadband for Seniors website at
necseniors.net.au
Why compromise
your lifestyle and
freedom because of
di culty getting up
and down the stairs?
Direct from the
manufacturer
For straight or curved
staircases
Indoor and outdoor lifts
Free home assessment
Fast installation
Safe & reliable
An Acorn Stairlift could be
the key to retaining your
independence, while still being
able to enjoy the beauty and
space of the home you love.
CALL US NOW FREE ON
1800 284 204
FOR A FREE NO OBLIGATION QUOTE
B
e
s
t P
ric
e
G
u
a
ra
n
te
e
d
NEWS FOR SENIORS | ISSUE 90 14
TECHNOLOGY | ONLINE 101
Outback tech
The mere suggestion that we are unable
to survive without technology is enough
to siphon a groan from some of us, but
there is certainly no denying that in a lot of
respects it has made life somewhat easier.
The senior inhabitants of
the Murray Malleea vast
grain-growing and sheep-
farming area in rural South
Australiahave recently
turned to technology to
alleviate the negative eects
of their geographical isolation.
The Murray Mallee Aged
Group Incan aged care
service provider based in
Murray Bridgerecently
completed a research project
funded by the Australian
Governments Department
of Health and Ageing, aimed
at keeping their senior
citizens engaged with
the wider community via
online technology.
Participants engaged in
the three-year project
Linking Rural Older People
to Community through
Technology were provided
with their choice of a
laptop or tablet, 3G internet
connection and self-directed,
personalised tuition.
The research entailed using
these new technologies
to strengthen community
connections for older
people who choose to
age at home and, as a
result, are at risk of social
isolation, Project Manager
Bernadette Boag explains.
It also allowed us to explore
ways to streamline service
delivery for providers in
the aged care sector in the
Murray Mallee region.
Bernadette says the
participants embraced the
opportunity to learn and
connect with the technology.
In order to dispel the
myths that older people
are disengaged from the
wider world, we rst need
to understand their needs
and preferences for learning
and using new technologies
and then incorporate
these into their daily life,
Bernadette says.
humanservices.gov.au 15
See the Great South East
Brisbane
Gold Coast
Sunshine Coast
North Stradbroke Island
Mt Tamborine
and much more!
Includes
Accommodation
All breakfasts, lunches & dinners
Morning & afternoon teas
Full day trips every day
KOALA RESORT BRISBANE FAMILY OWNED AND OPERATED
5 DAYS 4 NIGHTS
P
E
R
P
E
R
S
O
N

T
W
IN
S
H
A
R
E
EX BRISBA
N
E
$
6
9
2
Phone Lyn now for your full colour brochure
FREECALL 1800 156 252
OR (07) 3245 6555
A
B
N

6
6

0
6
5

6
1
1

2
9
8
Seniors and
over 40s
NOT ANOTHER PENNY TO PAY
Were Back!
Many of the participants have gone on to
purchase their own devices, so weve set
up a fortnightly drop-in session to support
these now tech-savvy seniors.
As researchers, policy makers and service
providers it is important that we do not
embrace ageist beliefs about older people
being unable to learn and unwilling to
adopt new technologies.
For more information you can
go to murraymallee.org.au or
call 08 8532 2255.
There is a potential demand by this older
cohort for simpler, age specic designs in new
technologies and appropriate training. With the
rapid changes in new technologies and newer
devices being more user friendly, adoption rates
may increase in older cohorts if they are oered
positive opportunities for interaction with new
technologies and appropriate training. (Linking
Rural Older People to TechnologyProject
Summary, August 2012)
In December 2012, the Murray Mallee
Aged Care Group was awarded the
Advantage SA Overall Winner in the
Health Category for South Australia.
NEWS FOR SENIORS | ISSUE 90 16
HEALTH | RECORDS
Control your own
health records
The Ambassador for Ageing, Noeline Brown
(pictured), is encouraging older Australians
to register for an eHealth recorda new way
to manage health information online.
Having an eHealth record means your important
health information is available online as you need
it, day or night, Noeline says.
It also means that the doctors, nurses and other
health professionals involved in your care have
the information they need to make the best
possible decisions about your healthno matter
when or where you may need treatment.
An eHealth record
provides peace of mind
and means not having to
remember every detail of
your medications or tests
when you visit a doctor,
particularly one youve not
seen before.
Most importantly, it is safe and secure and can
be set up so you can have a trusted person, like
a family member or carer, help you manage your
record, if you wish, she says.
The Australian Governments eHealth record was
launched in July 2012 and people can now create
their own record.
As more people register and healthcare
professionals join the system, the better
connected Australias health and hospital system
will become.
Register now for an eHealth record at
ehealth.gov.au or call 1800 723 471.
Little book of life
While we all live in an advanced
technological age, we havent
quite reached the stage where
books are a thing of the past.
Particularly one little best seller!
Almost one million copies of the
Emergency Medical Information
Book have been produced and
distributed since 1999. If you have
one, you will know that it contains
all of your information and medical
records needed in an emergency.
If you dont have one and you
live alone, have any medical
conditions and/or take prescription
medications, you should get one.
This book contains everything a
paramedic needs to know about you
as their patientmedical history,
medications and allergiesso they
can condently treat and get you to
hospital without delay.
The book is available from Rotary/
Lions Clubs in every state in
Australia, sometimes at a cost of
only a gold coin donation to help
cover the cost of production.
Go to emib.org.au for more
information or to download an order
form, or call 08 8264 2117.
humanservices.gov.au 17
Cairns
& Great Barrier
Reef
$999pp $999pp
Melbourne
& Great Ocean Rd
$1199pp $1199pp
Sydney
& Harbour
$1299pp $1299pp
Airlie Beach
Resort Relaxation
$899pp $899pp
$749pp $749pp
from from
from from
Sunshine Coast
& Mooloolaba
Adelaide
& Barossa
$899pp $899pp
from from
from from
Gold Coast
& Australia Zoo
$999pp $999pp
from from
from from
from from
P: 1300 30 55 33 P: 1300 30 55 33
There are more great
value holidays in our
brochure.
Order yours today!
E: reservations@hsptravel.com.au E: reservations@hsptravel.com.au
B
est Value 5 Night Holidays!
B
est Value 5 Night Holidays!
2012
1300 30 55 33
www.holidayspecialpackages.com.au
Standard Inclusions:
Return Airport Transfers*
Quality Accommodation
Breakfasts & Dinners
Sightseeing Day Tours
Exclusive Bonus Offers!
*Excluding Broome
AUSTRALI A
Package Inclusions:
Return airport transfers
5 nights quality
accommodation
Breakfast daily
3 x lunches or dinners
3 or 4 x day tours
Bonus Oer: Buy one
extra night, get another
night free
(including breakfast)
Reward yourself
& take time out
for R and R...
You deserve it!
Reward yourself
& take time out
for R and R...
You deserve it!
Airfares not included, Prices are in $AUD and include GST,
pp = Price per person twin share, Conditions apply.
www.hsptravel.com.au www.hsptravel.com.au
Australias Best Value Senior 5 Night Holidays!
Australias Best Value Senior 5 Night Holidays!
18 NEWS FOR SENIORS | ISSUE 90
Evas caravan cooking
adventures
Most Australians would
rather rough it on the road
in campervans, caravans
and motorhomes than own
a holiday home, according to
recent research.
Eva Stovern and her husband
Thom share this passion with
many fellow trekkers, opting
for a more cost-ecient way
of travelling around Australia
and enjoying the environment
and wildlife.
Spending four to six months
a year caravanning has also
inspired Eva to cook outdoors
and create new recipes to
share with fellow travellers.
I will never forget the day
I decided to write my rst
cookbook, Eva says.
A friend who was visiting
me in my caravan loved my
chicken casserole and an idea
was born.
In Caravan Chef 1 & 2 and
The Complete Caravan Chef
cookbooks, Eva shows how
to cook over 130 meals
out of 30 basic ingredients
most commonly stocked in
peoples pantries.
My recipes are cost eective,
nutritious and easy to
prepare, Eva says.
Written for two people, there
is no wastage; plus, as an
added bonus, I supply the
shopping list.
Her cookbooks cater for
anyone cooking in limited
space or on a budget, many of
whom are seniors travelling
as a couple. However, single
seniors living alone, students
and young travellers may also
nd them useful.
Travelling within Australia
can be enjoyed on any budget
and on any level of comfort or
ability. Vans are also getting
more luxurious with modern,
well-planned kitchens,
Eva says.
Apart from not being able
to cook for my family, I only
miss my large bathtub at
home when Im on the road.
Follow Eva and Thoms travel
adventure and cooking tips at
caravanchef.com
You can also email Eva at
eva@caravanchef.com and
nd her recipes on YouTube
at youtube.com/user/
CaravanChefTV
EVAS TOP TEN TRAVEL TIPS
Dont say you cant do it.
Avoid driving afer dark.
Take rest stops regularly.
Prepare for all weather
conditions.
Dont overload on
cookbooks.
Always have your
camera handy.
Check and prepare
all equipment before
leaving home.
Top up your fuel
when half full.
Keep in touch with
friends or family.
Treat every day as an
opportunity to savour
our beautiful country.
1
2
3
4
5
6
7
8
9
10
LIFESTYLE | GREY NOMADS
Eva Stovern cooking outdoors on one of her travel adventures
Never miss your
favourite TV shows again!
Travelling around Australia in a caravan is a fantastic
way to take in the beauty of this great country.
However, leaving behind the creature comforts of home
can sometimes feel like youre missing out. This doesnt
have to apply to your favourite TV shows any more.
People living and travelling through regional and remote
areas now have access to at least 16 digital TV channels
through the Viewer Access Satellite Television (VAST) service.
The service is an Australian Government-funded free-to-air
satellite service for people who cant get digital TV through
their normal antenna due to the terrain or remoteness of the
area, or for those travelling in regional and remote areas of
the country.
Already, more than 16,000 travellers have access to TV
wherever they go and can keep up with news or their
favourite shows on the road. It also means the end of
constantsometimes fruitlesssearching for terrestrial TV
signals in a new town.
SBS radio services are also available on VAST and
the ABC will be providing a wide range of its radio services
(including digital radio services) on VAST by
the end of 2013.
Visit digitalready.gov.au or call
1800 201 013 to nd out more about
digital TV and the VAST service.
Cradle Mountain
Chicken Casserole
Serves 2 (35 minutes)
1 teaspoon chicken stock powder
1 cup hot water
350 g chicken llets, chopped
into 2 cm cubes
1 tablespoon plain our
2 teaspoons olive oil
1 small onion, nely chopped
1 garlic clove, nely chopped
3 teaspoons freeze-dried peas
1 medium carrot, chopped
into large dice
3 medium potatoes, chopped into
large dice
100 g cauliower, cut into small
orets
1 teaspoon soy sauce
Dissolve the chicken stock powder
in the hot water. Toss the chicken
in the our until evenly coated.
Heat the oil in a saucepan and
saut the chicken on a medium
heat for two minutes, or until the
meat changes colour. Remove from
the pan and set aside. Top up the
pan with a dash of oil and saut
the onion on a medium heat for one
minute. Add the garlic and cook,
stirring, for one minute, or until
the onion is sof and the garlic is
fragrant. Return the chicken to the
pan. Add the peas, carrot, potatoes,
cauliower, soy sauce and liquid
stock. Cover with a lid and bring
to the boil. Lower the heat and
simmer, stirring occasionally for
15 minutes or until the vegetables
are tender and the chicken is
cooked through. Season to taste
and serve.
Extract from The Complete Caravan
Chef by Eva Stovern (Hardie Grant /
SBS Books, RRP $29.95)
humanservices.gov.au 19
Apply for VAST and meet
eligibility requirements.
Contact your local antenna
installer, check online
retailers, or contact Altech
UEC on 02 9425 5777 to
nd out where you can buy
in personyou can buy
directly from them too.
Purchase a high defnition VAST
set-top box with the smart card
for each TVabout $280 (inc
GST)and $100-$500 for a
satellite dish, depending on the
size of the dish required.
The cost to install VAST is a one-
o cost; there are no ongoing
subscription or other costs.
How can I access VAST? How much is VAST?
NEWS FOR SENIORS | ISSUE 90 20
LIFESTYLE | ANZAC DAY 2013
Senior veterans still serving
Every April Australians pause to honour those
who served the nation in warand the many
veterans who still serve us today, including in
the tiny Victorian town of Warburton.
Bill Major, Secretary and Treasurer of the Warburton
RSL, is not a man to boast. Were nothing special here in
Warburton. We dont blow the trumpet or wave the ag.
We just do things.
The proof is on display all around the local clubhouse.
Boxes of gifs are piled up on the tables ready for
distribution to the troops overseas and the residents of
local nursing homes.
Theyre the work of a formidable team of Legacy widows.
Val and Doreen, wholl visit anyone in need of a friend;
Naomi, who could og ice to Eskimos; Margaret, whose
husband was one of the rst Australians to be posted to
Vietnam; and Gloria and Bonnie, who keep the men in line.
Out the back is a partially nished toolshed, the
headquarters for a new handyman service. Handyman
co-ordinator and Senior Vice President Jamie, with his
assistant Lindsay, will x any problem for an elderly
person living aloneor hell know someone who can.
Leading the show is Keith Thomas, President of
the Warburton Sub-Branch and elder statesman of
Victorias Yarra Valley.
Were not all seniors in the Warburton sub-branch,
says Keith. And were always changing. Theres a new
generation of soldiers to support on the front-line.
There are dierent responsibilities for people back home.
But RSLs have always been the organisations they needed
to be. Thats why they last.
Its built within you, says Bill. You serve your country,
you serve your community. Go to any country town, and
youll nd a club like ours.
On Anzac Day, we salute them all.
Main photo:
Albert Grulke (far right) with members
and supporters of the Warburton
RSL, L-R, Doreen Woodward, Valmai
Sandstrom, Margaret Grindley,
Keith Thomas, Bonnie Giorgi,
William (Bill) Major, Robert Barber,
Jamie Thomas, Lindsay Fisher and
Naomi Grulke.
Inset: Keith Thomas and
William (Bill) Major in the
Warburton clubhouse.
humanservices.gov.au 21
Veteran volunteerMr Albert Grulke
I started as a volunteer welfare and
pensions ocer with Legacy and
then began working in the local
veteran community.
I try to avoid using the word welfare
because I do not believe that is what we
provide. We, as veterans, support our fellow
veterans, widows and families when they run
up against some of the hurdles of life.
We dont tell people what they should do,
but rather let them know their options and
introduce them to people in our networks who
can help.
We volunteer to help because that is what
soldiers do. We support and protect each other
in good and bad times.
NEWS FOR SENIORS | ISSUE 90 22
humanservices.gov.au 23
Visiting Gallipoli or France
for Anzac Day 2013?
Gallipoli
Anzac Day commemorations at Gallipoli
recognise the 8,700 Australians who died
during the Gallipoli campaignthe rst
major military action fought by Australia and
New Zealand during the First World War.
Up to 10,000 pilgrims attend the
commemorations each year. If youre
planning to attend in 2013 visit
www.dva.gov.au/gallipoli to nd out how
to prepare, what to expect and how to register
for updates.
France
The Anzac Day Dawn Service at the Australian
National Memorial, near Villers-Bretonneux,
honours the 295,000 Australians who fought
on the Western Front and the more than
46,000 who died there.
On average, more than 4,000 people attend the
Dawn Service each year. To receive handy tips
on what to expect, including updates on the
commemorations and trac arrangements,
register at www.dva.gov.au/france
Showrooms in Sydney, Melbourne, Brisbane, Perth, Canberra and regional centres in all states.
Call 1300 622 633 or visit www.scootersaus.com.au for more information.
If you value your independence
and need safe, low cost
transport for local trips, call us
for a free home demonstration.
+ INDEPENDENCE
+ ECONOMY
+ CONVENIENCE
+ SAFETY
From $1390
*
footpath freedom
*excludes models shown
TGA Quality Approved
ASK FOR
BRAND THE
1250
$
1250
$
Scooters
from
FREE
IN-HOME
DEMO
FREE CALL 1800 672 633
For a free in-home demo, brochure or for more information
T.G.A. registered product with full Parts and Service Backup
Over 15 Models to choose from
LIFESTYLE | ANZAC DAY 2013
NEWS FOR SENIORS | ISSUE 90 24
PAYMENTS
How your pension increase is worked out
Pensions are indexed every
20 March and 20 September
to keep pace with changes in
the cost of living.
You may receive less than
the full fortnights increase
in your rst payment afer
20 March or 20 September,
depending on the exact date
of your payment. Afer that,
you will receive the full
fortnightly increase.
The amount of increase
in pension rate can vary
depending on what is
happening to prices and
wages in the economy.
The increase to the full
pension rate is worked out
using a two-step process.
First, the maximum rate of
pension is increased by the
higher of the increase in the
Consumer Price Index (CPI)
and the increase in the
Pensioner and Beneciary
Living Cost Index (PBLCI).
Then, we compare the
result with the latest Male
Total Average Weekly
Earnings (MTAWE), put
out by the Australian
Bureau of Statistics. The
pension is guaranteed not
to fall below a percentage
of this gure, so if wages
have been growing, the
pension sometimes has to be
increased further.
The Consumer Price Index is a
measure of price ination for
all Australians.
The Pensioner and Beneciary
Living Cost Index was
introduced as part of the
Governments Secure and
Sustainable 2009 Pension
Reforms. It takes into account
the kinds of things that
pensioners spend more money
on, like food, electricity
and health, including
pharmaceuticals.
Since the Governments
pension reforms in 2009, the
maximum rate of pension
has increased by about
$207 a fortnight for single
pensioners and about $236
a fortnight for pensioner
couples combined.
Decrease in deeming rates
From 20 March 2013, the
deeming rate decreased
from 3 to 2.5 per cent for
the rst $45,400 of total
nancial investments
held by a single pensioner
or to the rst $75,600
for a pensioner couple.
For nancial investments
in excess of these
amounts, the deeming
rate decreased from
4.5 to 4 per cent.
The Minister for Families,
Housing, Community
Services and Indigenous
Aairs, Jenny Macklin,
said that the deeming
rates had been reduced
to better reect returns
available to pensioners on
their investments.
The deeming rates are used to
assess income from nancial
investments for pension and
allowance purposes.
Based on these deeming rates,
under the income test a single
pensioner whose only income
is from nancial investments
can have $115,800 in
investments and still receive
a full pension, while a
pensioner couple can have
$202,500 and still receive a
full pension.
If pensioners earn more than
the deeming rates, the extra
income is not assessed.
For more information
call 132 300 or visit
humanservices.gov.au
Since the Governments
pension reforms in
September 2009,
the maximum rate of
pension has increased...
humanservices.gov.au 25
Clean Energy Supplement payments begin
The Clean Energy Supplement
is an ongoing payment
that will be added to your
regular Centrelink payment
from 22 March 2013.
If you are eligible you will
be paid the Clean Energy
Supplement automatically
and you do not need to
contact us.
If you receive the Pension
Supplement quarterly or the
Seniors Supplement, your rst
Clean Energy Supplement will
be paid with this payment in
June 2013.
The amount of your Clean
Energy Supplement depends
on your circumstances and
the payment you receive.
The Clean Energy Supplement
is part of the Governments
Household Assistance
Package and builds on the
one-o Household Assistance
payment millions of
Australians received in May
or June last year.
For more information go to
humanservices.gov.au/
householdassistance or
call 132 468.
Please send me a copy of Seniors Coach Tours 2013 brochure
Full Name: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Address: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Pcode: . . . . . . . . . . . . . . . . . .
Phone: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Email: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
TAL32076
Phone, email or place coupon in an envelope and send today for your free brochure
Phone 1800 815 906
www.seniorscoachtours.com.au
COACH TOURS
Email: info@seniorscoachtours.com.au
Place coupon in an envelope and post to: Seniors Coach Tours
Reply Paid 62885, Forest Hill 3131 NO STAMP REQUIRED Is
s
u
e

9
0

N
e
w
s

f
o
r

S
e
n
io
r
s

M
a
r
c
h

2
0
1
3

Best in the West
Best value, best itineraries for
the best holiday experience in
Western Australia is all yours
when you choose any one of
these amazing journeys...
WA Coastal Extravaganza - 24 days
WA Coastal Spectacular - 19 days
WA Southern Highlights - 10 days
WA Southern Wildflowers - 14 days
The Kimberley - 11 days
Across the Nullabor - 11 or 15 days
I
Easy pace itineraries
I
Comfort plus Motels
I
Cooked breakfasts
I
All admittances
I
All dinners, most lunches
I
Most morning and afternoon teas
I
Luxury 2 door coaches
I
Twin share rates for singles willing to share
I
Coach captain and hostess on most tours
Your holiday includes:
The amount of your Clean Energy Supplement
depends on your circumstances and the
payment you receive.
NEWS FOR SENIORS | ISSUE 90 26
NEWS | LETTERS
From the Editor
The 90
th
edition of News for Seniorscan you believe it?
Im proud to say I have
been associated with
this publication since
its inception. I wonder
how many of our readers
remember the very rst
edition that we produced
24 years ago. I would love
to hear from you if you do!
Here at News for Seniors
weve been calling this 90th
edition the technology issue.
Online technology enables
us to experience a two-
dimensional version of the
world at our ngertips, but
some, understandably, see it
as intimidating and invasive.
Either way, I hope you take
something from our articles
on information technology;
how it can be a good thing
and the options that are out
there to help you get online.
On that note, Ill leave you
with a quote from Albert
Einstein: The world as we
have created it is a process
of our thinking. It cannot be
changed without changing
our thinking.
Oh, and happy 90th edition!
Letters to the Editor
Dear Editor,
The article, Homelessness:
too close to home (Issue
88), was denitely too close
to home for me and I felt
compelled to write to you
about what I am experiencing.
I never anticipated
homelessness at my age, but
circumstances will soon have
me in this predicament. I am
more fortunate than many
and have a family who would
never see me on the streets,
so I will at least have a bed
to sleep in and a roof over my
head. For this I am thankful,
yet it doesnt alleviate the
feeling of helplessness.
Its not just not having your
own homeits the other
things like, what does one do
with furniture and personal
possessions while staying
with family? If stored, it will
eventually necessitate moving
these twice, once aordable
accommodation becomes
available. This in itself can be
a costly venture and just adds
to the anxiety one feels in this
vulnerable state of mind.
Its also the sleepless nights,
the stomach upsets and the
despondency, aloneness and
utter despair one feels while
in this dicult situation.
I know, for me, this too will
pass, but my heart goes out
to all those who dont have
family support or a roof
over their head, no personal
possessions and can see no
light at the end of the tunnel.
Regards
M.L
Hank JongenEditor News for Seniors
Mail: PO Box 7788 Canberra BC ACT 2610
Email: editornfs@humanservices.gov.au
for feedback on the magazine
humanservices.gov.au 27
Dear M.L,
I am sorry to learn about
the diculties you have
experienced and am deeply
touched by your strength and
resilience.
There are many reasons for
homelessness; however, the
Department has a range of
payments to assist people
in need, including crisis
payments. Rent assistance is
also available to assist with
the cost of accommodation.
State and territory
governments can help people
in dicult circumstances
nd public housing. I have
provided the names of the
relevant state/territory
government departments
(at right) that may be of
assistance to yourself and
others in the same situation.
During dicult times, you
can speak to one of our
social workers about a
range of issues, including
homelessness, domestic and
family violence, relationship
breakdown, loss and
bereavement, mental health,
and addictions.
Call us on 131 794 and ask to
speak to a social worker.
I wish you the very best for the
future.
Yours sincerely,
Ed.
ACT
Housing and
Community Services
133 427
dhcs.act.gov.au
NSW
Housing NSW
1300 468 746
housing.nsw.gov.au
NT
Department of Housing
(Darwin)
08 8999 5511
housing.nt.gov.au
QLD
Department of
Communitieshousing
and homeless services
1300 880 882
communities.qld.gov.au
SA
Department for Communities
and Social Inclusion
131 299 (SA only)
dcsi.sa.gov.au
TAS
Department of Health
and Human Services
1300 135 513
dhhs.tas.gov.au
VIC
Department of
Human Services (VIC)
1300 650 172
dhs.vic.gov.au
WA
Department of Housing
1800 093 325
dhw.wa.gov.au
Dear Editor,
Crosswords and Scrabble do
not interest me, although
these are recommended as
being good for the brains
of seniors.
However, I am in the
ongoing process of writing
my autobiography. I am
aware that publishers do
not look kindly on one o
manuscripts by unknowns,
but I feel that my age
groupI am 82has a lot to
oer the younger generations.
I realise I have the advantage
of a lifetimes secretarial
work, but with the popularity
of computers and word
processing, the task becomes
easier for seniors.
So, how about it, you wartime
children? Get typing! Even if
your story outlives you!
Yours sincerely,
Ms S.
Dear Ms S,
Congratulations on your
projectits a great memoir
to pass down to your family.
Another fantastic way of
keeping the family tree alive
would be if your descendants
added to it, to keep the story
going through the generations.
I appreciate you taking the
time to write to me and wish
you every success with your
autobiography.
Yours sincerely,
Ed.
NEWS FOR SENIORS | ISSUE 90 28
RATES
Pension and Rent Assistance
Rates and Thresholds
SINGLE COUPLE
combined
COUPLE one
eligible partner
COUPLE separated
due to ill health
How much pension Per fortnight Per fortnight Per fortnight Per fortnight each
Maximum basic rate
1
$733.70 $1106.20 $553.10 $733.70
Maximum pension supplement $61.20 $92.20 $46.10 $61.20
Clean Energy Supplement $13.50 $20.40 $10.20 $13.50
TOTAL $808.40 $1218.80 $609.40 $808.40
Rent Assistance
2
Per fortnight Per fortnight Per fortnight Per fortnight each
Maximum rate Rent Assistance $123.00 $115.60 $115.60 $123.00
Maximum payment if rent above $273.20 $331.73 $331.73 $273.20
No payment if rent below $109.20 $177.60 $177.60 $109.20
Allowable Income
1a
Per fortnight Combined Combined Combined
Full pension up to $152.00 up to $268.00 up to $268.00 up to $268.00
Part pension less than
$1768.80
less than
$2705.60
less than
$2705.60
less than
$3501.60
Allowable Assets
3
Single Combined Combined Combined
Full pensionHome owner $192,500 $273,000 $273,000 $273,000
Full pensionNon-home owner $332,000 $412,500 $412,500 $412,500
Part pensionHome owner less than
$731,500
less than
$1,086,000
less than
$1,086,000
less than
$1,351,000
Part pensionNon-home owner less than
$871,000
less than
$1,225,500
less than
$1,225,500
less than
$1,490,500
Deeming Rates and Thresholds Single Combined Combined Combined
Threshold $45,400 $75,600 $75,600 $75,600
Rate below threshold 2.5% 2.5% 2.5% 2.5%
Rate above threshold 4% 4% 4% 4%
Commonwealth Seniors Health
Card (CSHC)
Single Combined Combined Combined
Income limit (per annum)
4
$50,000 $80,000 $80,000 $100,000
Seniors Supplement (per annum)
5
$852.80 $1,284.40 $642.20 $852.80 each
Clean Energy Supplement (per annum)
5, 6
$351.00 $530.40 $265.20 $351.00 each
Pension Bonus Scheme
Maximum Rates
Eective 20 March 2013
SINGLE PARTNERED
(each)
Registration in the Pension Bonus
Scheme* is limited to those who met
the age and residence requirements for
Age Pension before 20 September 2009.
Registered members with unregistered
partners may wish to contact the Financial
Information Service on 132 300 to discuss
how this change might aect them.
*If you are receiving or have received
Age Pension, you are not eligible for a
Pension Bonus.
Maximum Bonus afer Year 1 $1,845.20 $1,395.30
Maximum Bonus afer Year 2 $7,380.90 $5,581.10
Maximum Bonus afer Year 3 $16,607.00 $12,557.50
Maximum Bonus afer Year 4 $29,523.50 $22,324.50
Maximum Bonus afer Year 5 $46,130.50 $34,882.00
humanservices.gov.au 29
Pension Reform
Transitional Arrangements
Rates and Thresholds
SINGLE COUPLE
combined
COUPLE one
eligible partner
COUPLE separated
due to ill health
How much pension Per fortnight Per fortnight Per fortnight Per fortnight each
Maximum rate $681.30 $1,100.40 $550.20 $681.30
Clean Energy Supplement $13.50 $20.40 $10.20 $13.50
Total $694.80 $1,120.80 $560.40 $694.80
Allowable Income Per fortnight Combined Combined Combined
Full pension up to $152.00 up to $268.00 up to $268.00 up to $268.00
Part pension less than
$1,889.00
less than
$3,070.00
less than
$3,070.00
less than
$3,742.00
Allowable Assets Single Combined Combined Combined
Full pensionHome owner $192,500 $273,000 $273,000 $273,000
Full PensionNon-home owner $332,000 $412,500 $412,500 $412,500
Part PensionHome owner less than
$655,750
less than
$1,020,500
less than
$1,020,500
less than
$1,199,500
Part PensionNon-home
owner
less than
$795,250
less than
$1,160,000
less than
$1,160,000
less than
$1,339,000
The transitional arrangements apply to certain pensioners
who were receiving part pensions as at 19 September 2009
and only applies until they would get an equal or higher rate
under the new rules. Rates are indexed by CPI only.
These gures are a guide only. Eective 20 March 2013
unless otherwise stated.
1. Rate of payment is calculated under both the income
and assets tests. The test that results in the lower rate
(or nil rate) is the one that is applied. There is no income
or assets test for customers who are permanently blind,
unless they wish to apply for Rent Assistance. Some assets
are deemed to earn income and there are special rules for
other types of income.
a) Income over allowable amounts for full pension
reduces pension by 50 cents in the dollar for singles
and 25 cents in the dollar each for couples; for
those paid under the transitional arrangements, the
pension reduces by 40 cents in the dollar for singles
and 20 cents in the dollar each for couples. Contact
the Department of Human Services on 132 300 for
information on transitional arrangements.
b) Each fortnight, the Work Bonus disregards up to
$250 of employment income earned by eligible
pensioners over age pension age (unless paid
Parenting Payment Single).
If employment income is less than $250, the unused
Work Bonus accrues up to a maximum amount
of $6500.
This bank then discounts future employment income
that exceeds $250 per fortnight. If eligible for a
transitional rate, we will compare the transitional rate
(which has no Work Bonus) to the new rate (which has
the Work Bonus). The transitional rate will continue
until it no longer pays a higher rate.
2. Rent Assistance is not payable to people paying rent to
a government housing authority. Special rules apply to
single sharers, people who pay board and lodging or live
in a retirement village. There are additional rates for those
who have dependent children. Rent Assistance is generally
paid with Family Tax Benet if there are dependent
children or with the pension if there are no children. For
temporarily separated rates, call 132 300.
3. Single and combined couple rates are reduced by
$1.50 per fortnight for every $1000 of additional assets
above the allowable assets limits for full pension. Certain
assets, including a persons home, are not included in the
assets test.
4. Income test for the CSHC is annual adjusted
taxable income.
5. The Seniors Supplement and Clean Energy Supplement
are each paid quarterly. To calculate the quarterly amount,
obtain the daily rate of the supplement by dividing the
annual amount by 364. The quarterly amount is then
calculated by multiplying the daily rate by the number of
days each supplement is payable in that quarter.
6. CSHC holders will only receive the Clean Energy
Supplement if they also receive the Seniors Supplement.
Note: absences from Australia may aect your payments.
If you are planning on travelling outside Australia and
would like information on how this may aect your
payment, contact the Department of Human Services
on 132 300.
For more information visit humanservices.gov.au
NEWS FOR SENIORS | ISSUE 90 30
* Age-based premium providing $3,000 beneft under a single plan for a person aged 50.
This is general advice only. Please consider the PDS to ensure the product suits your needs. This information is
provided by Australian Seniors Insurance Agency Pty Ltd (AR 270983), an authorised representative of Hollard
Financial Services Pty Ltd, AFSL 343079. The Australian Seniors Funeral Plan is issued by Hannover Life Re of
Australasia Ltd, ABN 37 062 395 484. Terms and conditions apply.
Call 1300 738 573 for a quote or visit seniors.com.au
Lines are open Monday to Friday 8:00am 8:00pm (EST)
Applying is simple
Apply over the phone, in minutes
No medical exam and no blood tests required
No intrusive health questions
Australian residents aged 50 79 are
guaranteed acceptance
Choose the cover that suits you
From $3,000 up to $15,000
Up to $45,000 paid in the event of accidental death
Optional Accidental Serious Injury
Immediate cover for accidental death, cover for death
by any cause after 12 months
Complete peace of mind
Thousands of Australians are choosing to protect their
family with a Seniors Funeral Plan.
Request a FREE Info Pack
If you are aged 50 to 79, simply complete and return
this coupon to: Seniors Funeral Plan, Reply Paid 7186,
Baulkham Hills NSW 2153. No stamp required.

Plus! FREE Will Kit with your policy!

H
0
8
6
5

A
S
I
A

C
e
n
t
r
e
l
i
n
k

0
1
/
1
3
As chosen by Australians from all walks of life
Title Mr Mrs Miss Ms Other
First name(s)
Last name
Date of birth
D

D
/
M

M
/
Y

Y

Y

Y
Address
Suburb
State Postcode
Home phone

( )
Mobile phone

Call me regarding Seniors Funeral Plan
We would like to keep you informed.
However, if you would prefer that we do
not keep in touch with you regarding our
products and services, please tick here.
Seniors Funeral Plan
Plan for
the future and
live for today
Afordable funeral insurance
to help protect your family
from $3.41
*
per fortnight.
A
s
s
e
e
n
o
n
T
V
H0865_ASIA_Centrelink Ad_Jan13_Print.indd 1 16/11/12 10:56 AM
humanservices.gov.au 31
CONTACTS | ONLINE SERVICES
Self Service options
for you
Access online services for Medicare
and Centrelink with one user ID and
password to:
claim a payment or concession card
receive online letters
update your details
lodge a Medicare claim online and
view your claims history
request a statement or
payment summary.
Our self service computers allow you
to skip the queue at a service centre if
you need to access your online services
accounts for Medicare and Centrelink or
view other government and community
websites. You can also print your
documents, look for payments and
services or search for a job.
Register or nd out more about online
services at humanservices.gov.au/
onlineservices
Key Human Services contacts
Older Australians .................................................. 132 300
Age Pension, deeming, income and assets tests, Financial
Information Service, Pension Bonus Scheme and
Commonwealth Seniors Health Card.
International Services .......................................... 131 673
Pensions paid outside Australia, claiming pensions from other
countries, pensions paid under International Agreements.
To speak to us in languages
other than English ................................................ 131 202
Disabilities, Sickness and Carers ....................... 132 717
Customer Relations Unit ...........Freecall 1800 050 004
TTY Customer Relations ............Freecall 1800 000 567
To provide compliments, suggestions or complaints
TTY enquiries ...............................Freecall 1800 810 586
Other key contacts
Department of Veterans Aairs (DVA)
Call 133 254 or Freecall 1800 555 254 from
regional Australia. Go to dva.gov.au
Department of Families, Housing, Community
Services and Indigenous Aairs
Call 1300 653 227 (calls are charged at a local rate except
from mobile phones which are charged at mobile rates).
Go to fahcsia.gov.au
Aged Care Australia
Freecall 1800 200 422. Go to agedcareaustralia.gov.au
Note: calls from your home phone to our 13 numbers from
anywhere in Australia are charged at a xed rate. That rate may
vary from the price of a local call and may also vary between
telephone service providers. Calls to 1800 numbers from your
home may be timed and charged at a higher rate.
If you would like to receive a copy of News for
Seniors call 132 300. You can also change your
address, cancel your copy or discuss distribution.
DVA customers should call 133 254 or
Freecall 1800 555 254.
Express Plus
Seniors App
The Express Plus Seniors
App is available free from
the App Store on iPhone,
iPad and iPod touch or at
itunes.com/appstore
while the android version
can be accessed through
Google Play.
The app allows you to view
and update your details, claim
an advance and request a
Centrelink statement.
At Australian Seniors we provide real value for money without
compromising your protectionwe make it our business to
ofer you benefts that really matter.
ASK FOR YOUR
FREE QUOTE TODAY!
or visit our website www.seniors.com.au
* Condition Apply. Home & Contents and Motor Vehicle Insurance - Australian Seniors Insurance Agency Pty Ltd (ABN 48 097 746 391) is acting as an Authorised Representative No. 270983 (Seniors), and policies are issued by The Hollard Insurance
Company Pty Ltd (ABN 78 090 584 473) AFS Licence number 241436. Hollard is an Australian Prudential Regulation Authority authorised insurer. Quotations may not be available in some limited areas. Travel Insurance - Seniors travel insurance
products are issued and underwritten by ACE Insurance Limited ABN 23 001 642 020, AFSL No. 239687 (ACE), and promoted b y Australian Seniors Insurance Agency Pty Ltd (ABN 48 097 746 391) Authorised Representative No. 270983 (Seniors). ACE
and Seniors only provide general advice, and do not consider your objectives, fnancial situation or needs. Australian Seniors Funeral Plan is issued by Hannover Life Re of Australasia Ltd ABN 37 062 395 484 and promoted by Australian Seniors
Insurance Agency Pty Ltd (ABN 48 097 746 391). Australian Seniors Insurance Agency is acting as the authorised representative of Hollard Financial Services Pty Ltd, ABN 53 128 692 884, AFSL 343079. Important Note: To decide if any of these products
are right for you please carefully read the relevant Product Disclosure Statement which is available at seniors.com.au or by phoning the relevant customer service contact number. **Example based on 1 adult aged 50, travelling 5 days to New Zealand.
We ofer low-premium travel insurance ofering
worldwide protection (both domestic and overseas) 24/7.*
Unlimited overseas medical expenses cover (Worldwide Plans)
Automatic inclusions: such as cover for loss of luggage, cancellation
charges, replacement of money and more
Competitive policies starting from $49**
for international One Trip travellers
Travel Insurance
10%
discount for
all online
purchases.
13 76 76
Our policies aim to provide all the necessary cover
and protection you would expect at a competitive price.
Genuine savings of up to 40% o our standard premiums*
Monthly payments at no additional charge*
Combined policy 10% discount*
Home & Contents
Save
up to 40%*
on your home
& contents
insurance.
13 13 43
Our car insurance policies are easy to understand.
We oer a great range of benefts and savings, including:
Lower car insurance premiums, means savings for you
Monthly premiums at no extra charge
No forms to fll in, ever
Motor Vehicle Insurance
Up to 10%
discount when
you combine
with home &/or
contents.
8
1
8
0

c
o
u
c
h
c
r
e
a
t
i
v
e
.
c
o
m
.
a
u
Savings of up to 40% o our standard premiums*
Monthly payments at no additional charge*
Combined policy 10% discount
Plus many more benefts including competitive
premiums for Landlords Insurance.
SAVE with the
Over 50s Insurance
Specialist.
13 13 43
ASIA 8010 NFS PressAd_275x150mm_02.indd 1 27/11/12 9:55 AM
R
T
0
1
0
.1
3
0
3