养老金（Age Pension） 10 年居住要求（Age pension 已获批，更新了养老金计算器2020年数据）

lanexie

楼主，你好。辛苦你那么长时间有问必答。
我想请教得的是：

你在一楼说我算了一下：

假设老两口没有任何收入，只有存款，那么如果存款少于24.5万澳元的话就可以领全额的养老金，如果超过216万澳元的话，养老金就没有了（2015年1月数据）

假设老两口没有存款，在国内的退休金一共是每个月1万元，可以算出每两周的收入是： 10,000元 x 12个月 / 26个星期 = 4,615元 / 汇率 5 = $923。那么可以领到的养老金是（两人一共）每两周： $1,270.6 - （$923-$276）x 0.4 = $1,011.80

假设老两口有10万澳元存款，在国内的退休金一共是每个月1万元，可以算出每两周的收入是：
退休金部份： 10,000元 x 12个月 / 26个星期 = 4,615元 / 汇率 5 = $923。
存款部份： ($79,600 x 2% + ($100,000-$79,600 ) x 3.5%) / 26个星期 = $88.69
每两周的收入合计： $923+$88.69= $1,011.69
那么可以领到的养老金是（两人一共）每两周： $1,270.6 - （$1,011.69 - $276）x 0.4 = $976.32

问题：“那么如果存款少于24.5万澳元的话就可以领全额的养老金”，既然说是“全额”，后面又说要对存款按2%或3.5%作为收入抵消养老金。所以有些迷惑。

小豹子

lanexie 发表于 2016-4-27 13:22
楼主，你好。辛苦你那么长时间有问必答。
我想请教得的是：

你的收入只有超过了一个数额以后养老金才会被减少。

存款虽然按照2%或3.5%拆算为收入，但是这个收入如果不超过那个限额，是不会扣你的养老金的。

所以“假设老两口没有任何收入，只有存款，如果存款少于24.5万澳元的话就可以领全额的养老金”，超过了24.5万澳元以后折算为收入后就超过那个限额了，就会要扣你的养老金，每超 $1 养老金就会少 40 分。

这样解释清楚吗？

lanexie

小豹子 发表于 2016-4-27 14:55
你的收入只有超过了一个数额以后养老金才会被减少。

存款虽然按照2%或3.5%拆算为收入，但是这个收入如果 ...

这回明白的透透的啦，谢谢你大侠。
新的问题又来了，真不好意思老是麻烦你，感觉好像没完没了似的。如果你太忙不回答也不会怪你，你已经帮了大家太多了。

问题是：如果国内有一套价值人民币100万的房产，也没有出租，就是有时候回国时候住的，这套房子会影响到养老金的金额吗？

witnessant

Just a side comment. I don't understand why so many people feel so entitled to receive the various welfare benefits that the Australian Government offers to its residents. People who have lived and worked in Australia (i.e. contributed to the Australian economy/society) for many decades  deserve the age pension. But why are there complaints about non-tax paying, non-residents not being eligible to receive the age pension? They don't deserve it in the first place!

I can understand that some people feel like they've paid a lot (both in terms of money and the life they gave up in China) to emigrate to Australia, not to mention additional money to bring their parents over. But honestly, that's your choice. 1. You didn't have to emigrate to Australia or anywhere else (i.e there was no one pointing a gun at your head); 2. you didn't have to emigrate your parents either.

Once the parents are here, they get to enjoy all the benefits of a resident, i.e. social infrastructure but especially health care (no comment about the quality/efficiency of the public health care system, but at least you won't go bankrupt trying to receive treatment).

It probably feels natural for you to try and recover whatever visa fees and associated costs via receiving government benefits but it's unfair on the rest of the tax-payers who have had to work for the last 40-45 years. On the other hand, your parents who probably already receive a pension in China, who have been in Australia for only 10 years and paid very little tax (if at all) and made only a  small contribution (i.e. being carers to your children so you can work, but then again, Aussie grandparents do that too) can receive the age pension on equal terms.

As for those who are tempted to conceal other China-based assets or incomes to maximize the age pension amount, you may think it's unlikely that the Australian Government will find out, but they do random audits and when you are caught, the penalties are very severe.

栩栩如生

witnessant 发表于 2016-4-29 11:15
Just a side comment. I don't understand why so many people feel so entitled to receive the various w ...

100% agree.

stmimi

LZ真好，解答的很祥细。

舟之

谢谢楼主分享及码字！

照顾爷爷奶奶七年了，才有朋友提醒自己领照顾者津贴？请问我的资金评估要多少才可以申请呢？再次感谢加分哦

舟之

貌似没人报国内退休金的，真的？

小豹子

lanexie 发表于 2016-4-28 12:13
这回明白的透透的啦，谢谢你大侠。
新的问题又来了，真不好意思老是麻烦你，感觉好像没完没了似的。如果 ...

房产会影响到 age pension:

https://www.humanservices.gov.au/customer/enablers/assets#a1

奥特曼小姐

谢谢分享

xiaochahu

小豹子 发表于 2015-2-24 07:45
假设老两口没有存款，在国内的退休金一共是每个月1万元，可以算出每两周的收入是： 10,000元 x 12个月 /  ...

这个不是很准确。首先汇率要由centrelink决定。其次就是澳洲政府不会让你两头领。他要把你在中国的每一分退休金都算进去的。

guigua

以后要建议中国也效仿澳洲，领取养老金者必须提供国外pension领取证明，如果你能在澳洲领pension，则只能领中国养老金中的个人缴费部分，或者按照澳洲pension领取数额酌情减掉中国养老金统筹部分，并且出国定居超过183天就不给养老金统筹

只要中国出入境系统与中国社保系统联网就能做到

jzfeegle

谢谢分享

xiaochahu

小豹子 发表于 2015-9-28 13:29
养老金（Age Pension）不管是你是什么签证，都是一样的：10年。

我所知的 5年后的配偶移民可以申请 Medi ...

不要误导大家。配偶也要等10年才能申请special benefit特困金。我朋友的爸爸申请被拒绝了

小豹子

xiaochahu 发表于