Documente Academic
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Ita Buttroses
personal experience
with macular
degeneration
Seniors
News
FOR
ISSUE 91 | JULY 2013
A publication offering information, guidance and inspiration to Australian senior citizens
Federal Budget 201314
myGovnew online service
Tax time tips for seniors
Investment scams
Superannuation investments
NEWS FOR SENIORS | ISSUE 91 2
INTRODUCTION
In this issue
FEATURES
Message from the Minister 4
Mature aged workers 5
Unreal deals 10
Macular degeneration 18
Your money 24
Letters to the Editor 26
Contacts 31
Budget bumper
Its that time of year again!
The 201314 Federal
Budget follows through on
allocations from last year
to address aged care reform
in Australia.
Read more about whats in
this years budget for you on
pages 8 and 9.
Scammers and savers
Scammers arent just
becoming more prolic,
theyre becoming more
sophisticated. This means it
has become even harder to
discern whether or not youre
looking at the real deal.
Read about Malcolms near
miss with an unreal deal
on page 11 and learn how
to protect yourself against
these scammers.
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 sufered by any person
because they rely in any way on
it. You should contact your local
Department of Human Services
ofce or Department of Veterans
Afairs state ofce 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 afect you.
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 ofered or provided by advertisers.
20
Cover image
2013 Australian of the Year,
Ita Buttrose.
humanservices.gov.au 3
TECHNOLOGY
14
HEALTH
18
If its fnancial information
youre afertax time tips
(page 7), understanding
your superannuation
(page 22) or helpful tips for
retirement (page 24)this
is the issue for you.
Retirement and
beyond
To work or not to work... for
some its an option, for others,
a necessity.
Whatever the reason, it can
be easier said than done for
those at the more mature end
of the spectrum. However,
there is a range of resources
available to you if you wish
to remain in or re-enter
the workforce.
Read The golden age of
employment article on page 6
to fnd out more about your
rights as an older person in
the workforce.
September rates
This issue of News for Seniors
contains payment rates that
were announced in March
this year (see pages 28
and 29).
Please note that we will not
be producing a September
2013 issue. However, you will
be able to access the new
payment rates on our website
at humanservices.gov.au
from 20 September.
The latest rates fgures will be
published in the next printed
issue of News for Seniors.
LIFESTYLE
20
NEWS
7
CONCESSIONS
25
News for Seniors subscription
If you would like to receive a copy of News for Seniors
call 132 300. You can also change your address by
writing to:
Seniors Hub, PO Box 7808, Canberra BC, ACT 2610.
DVA customers should call 133 254 or
Freecall 1800 555 254.
If you would like to receive News for Seniors in a
language other than English call 131 202. If you have a
vision impairment and would prefer to receive an audio
version call 132 300.
To view English and non-English versions go to
humanservices.gov.au/newsforseniors
NEWS FOR SENIORS | ISSUE 91 4
INTRODUCTION
Message from the Minister
Experts predict our population
will hit 40 million by
2050, and we are currently
ranked ffh in the world for
life expectancy.
Australians are living longer
and that is a good thing.
We need to make sure that we
are also living better.
The 201314 Federal Budget
has been framed with this
goal at its core. Our Budget
is about building a stronger,
smarter and fairer future for
all Australians.
We continue our strong
commitment to supporting
older Australians with a
number of initiatives in this
years budget. It includes a
program to support pensioners
over age pension age who
want to downsize their home,
without it immediately
afecting their pension.
We are continuing to
support senior Australians
by providing a further
$9.9 million to help them
participate in the digital
economy, ensuring they
are able to access the
latest information and stay
connected to family and
friends. This funding will
provide a signifcant boost to
the popular Broadband for
Seniors kiosks, giving them
access to the latest computing
technology to prepare senior
Australians for the National
Broadband Network.
Initiatives like these build
upon our governments record
of improving the lives of older
Australians. We have delivered
the biggest ever increase to
the pension. We introduced
the Work Bonus to make sure
pensioners can keep more of
their income while working
and we have delivered another
pension increase as part of
the Household Assistance
Package.
Were also now making it
easier for older Australians
to connect with Centrelink
through the Express Plus
Seniors smart phone app. Ive
been travelling across the
country meeting with older
Australians and have been
impressed at the uptake of
people using their smart
phones and tablets to do their
Centrelink business.
My Department is also here
to help you in your times of
nancial stress.
Our very own fnancial
ofcers are on hand to ofer
you expert information
through the governments free
and confdential Financial
Information Service.
This edition of News for
Seniors features a range
of tips, ideas and services
to help support you in
making decisions for your
fnancial future.
I trust you will fnd no
shortage of useful information
in this edition. Enjoy reading.
Senator the Hon Jan McLucas
Minister for Human Services
On 23 April this year Australia celebrated
a major milestoneour population hit
23 million.
Minister Jan McLucas (L) and Nan
Bosler, President of the Australian
Seniors Computer Clubs Association
(ASCCA) at the Older Australians
Working Group meeting in May.
humanservices.gov.au 5
Peter Spyker gets up at 4 am.
He then walks 10 kilometres.
He feeds the animals on his
property on the Mornington
Peninsula and then drives to
the Oakleigh Centrelink Service
Centre to begin a full work day.
And the fact that hes
70 years old?
Thats irrelevant! Peter
says. His colleagues at
Oakleigh agree.
Peter joined us as a
Multicultural Service Ofcer
in 1997, says Melissa Young,
Region Manager for Eastern
Victorian. Put simply, hes
a gem.
When Peter speaks to people,
he deals from the heart.
He is wise, fair, and makes
everyone feel at home.
Its not so much his age
as his manner, adds
Chris Cahill, Program
Manager. All our ocers look
up to his example.
Thats not to say that Peters
experience doesnt come
in handy.
Born in the Netherlands,
Peter came to Australia on a
troop ship with his family in
1955. He worked as a ftter
and turner for 20 years before
standing for the Victorian
Parliament in 1979an
election he assured his wife
he simply couldnt win.
A few months later, he
bought the suit for his
swearing-in.
Peter went on to serve as a
Minister for several portfolios
over the next 10 years,
meeting the Pope, Princess
Diana and the Queen along
the way. He was honoured
in 1986 with the Order of
Australia for his services to
the community.
It comes as no surprise
that the thought of a quiet
retirement held no appeal.
At my job interview with
Centrelink they asked me how
I would adjust to working
for a boss. I told them that a
Minister in Victoria answers
to about four million bosses.
One would be easy to handle!
Peter is ofen asked to share
his story with new arrivals,
like the students at the
nearby multicultural
services centre. Hes always
proud to do so.
I dont make judgments
about people. Whether they
come by boat, plane or ship,
it doesnt matter. If you treat
a person with respect, that
respect will be returned.
And as for retirement plans?
Peter is dead-set against
them. But hell think about
it in another 30 years.
Dealing from the heart
FEATURE | MATURE AGED WORKERSPETER SPYKER PROFILE
When Peter speaks to people, he deals
from the heart. He is wise, fair, and
makes everyone feel at home.
NEWS FOR SENIORS | ISSUE 91 6
FEATURE | MATURE AGED WORKERSPRODUCTIVE AGEING CENTRE
The golden age of employment
More and more Australians are working on into their golden years.
The reasons are complex, as Dr Tim Adair explains.
The changing workforce is a
mark of our changing society,
says Dr Adair. Were living
longer and having children
later. Were also more likely
to be supporting grown-up
children or elderly parents
at home. For purely fnancial
reasons, it ofen makes sense
to stay in work.
Its also becoming easier
for many of us to make
that choice. These days our
jobs tend to be more desk-
based and less physically
demanding. The experience
of an older person may well
give them the edge over a
younger candidate.
Dr Adair is leading new
Australian research into
these trends, as the Director
of the Productive Ageing
Centre (PAC) in Melbourne.
The mission of the Centre is
to emphasise the positives of
ageing, while agging some
of the barriers that older
Australians face.
Age discrimination in
the workforce remains a
signicant concern according
to two-thirds of older workers
in a recent PAC survey.
Care-giving responsibilities,
inexible workplaces and
a lack of access to training
can also exclude senior
workers. This has smart
employers thinking.
Attitudes dont change
overnight, but there is
defnitely a solid business
case for recruiting or
retaining older workers,
says Dr Adair.
Employers value their
reliability, work ethic, skills
and experience. Simple
steps such as exible hours
and negotiating a sensible
transition plan can benet
all sides.
The PAC was jointly
established by National
Seniors Australia, one
of the worlds largest
advocacy groups for seniors,
and the Department of
Health and Ageing. For
more information visit
productiveageing.com.au or
nationalseniors.com.au
To fnd out more about
your rights as an older
person in the workforce,
visit the Australian Human
Rights Commission at
humanrights.gov.au/our-
work/age-discrimination
or call 1300 656 419.
You can also visit the
Fairwork Ombudsman at
fairwork.gov.au or call
131 394.
F
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humanservices.gov.au 7
Tax time tips for seniors
NEWS | TAX TIME
The Department of Human Services has changed the way you will receive your annual
payment summary showing Centrelink payment details. You will no longer receive one
automatically in the mail as you dont need a paper copy to lodge your income tax return if you
use e-tax or lodge via an agent. Improved self service channels ofer a quick and easy way to
access your payment summary from home or from your local service centre.
Visit humanservices.gov.au/selfservice or call your usual payment line for more information.
New for Tax Time 2013
The tax-free threshold has increased from $6000
to $18 200.
Private health insurance rebate and the Medicare
levy surcharge are now income tested.
This year you may be asked to provide
information in your income tax return in relation
to these income tests**.
For more information on these and other changes
this tax time visit ato.gov.au
You will need to lodge a tax return if,
during 201213:
You paid tax, or had tax withheld.
Your taxable income was greater than $18 200
and you were an Australian resident for taxation
purposes for the full year.
You were eligible for the seniors and pensioners
tax ofset and your rebate income exceeded the
threshold amount.
The online tool Do I need to lodge a tax return?
can help you work out whether you need to lodge
a tax return.
Visit ato.gov.au/doineedtolodge
The Australian Taxation Ofce provides
a free service to low-income earners
called Tax Help, with trained and
accredited volunteers on hand to assist
individuals with fairly straightforward
tax afairs.
Garry McIntosh, a Tax Help program
volunteer for eight years, says many
seniors are confused about whether
they should lodge an income tax return.
Tax Help volunteers are on hand to
assist seniors to fnd out if they need to
lodge an income tax return and can help
them lodge their return for free if they
earn $50 000 or less a year, says Garry.
Also, many seniors who have shares are
unaware they are entitled to a refund of
the franking credits* from any dividends
that are paid to them. Volunteers are
able to assist seniors who do not need
to lodge an income tax return but who
are claiming franking credits to lodge an
Application for refund of franking credits
for individuals form.
Volunteers operate from 1 July until
31 October in all capital cities and many
regional areas across Australia from
convenient locations in the community.
For more information about Tax Help,
visit ato.gov.au/taxhelp
* Franking credits are amounts of tax paid by the company that are
allocated to your dividend. If you have had franking credits distributed to
you, this will be recorded on your dividend statement.
** Income tests are used to determine your eligibility for a number
of tax concessions.
NEWS FOR SENIORS | ISSUE 91 8
NEWS | BUDGET BRIEFS
Organisations hosting a
Broadband for Seniors kiosk
will be able to apply for a new
computer with a touchscreen
monitor, as well as a $2000
training grant.
Kiosk host organisations will be able to apply
from July 2013.
Who it affects:
Senior Australians who
want to learn how to use the internet or
improve their internet skills will beneft from
the new technology and enhanced training.
The training will also address concerns raised
by seniors about cyber security and cyber
safetyhow to identify fraud and scams
online. It will also ensure that seniors will
have more opportunities to beneft from
the National Broadband Network and other
services that are coming online.
More info: The Broadband for Seniors
initiative has established about 2000 free
internet kiosks located across Australia for
seniors to surf the web and learn computer
skills. Over 250 000 seniors have been assisted
and many, who started as students, have gone
on to become volunteer tutors.
For more information go to
necseniors.net.au or call 1300 795 897.
Normal deeming rules will be
extended to new superannuation
account-based income streams
assessed by Centrelink.
Starts 1 January 2015.
Who it affects:
Pensioners, allowees
or Low Income Health Care Card holders
granted from 1 January 2015 with account-
based income streams. Such products held
by pensioners before 1 January 2015 will be
grandfathered and the existing rules will
apply to the products unless the product is
changed on or afer that date.
More info: This change will make the system
fairer as people with similar levels of fnancial
assets will be treated equally. Under the new
rules, the deeming rates are applied to the
combined value of a persons fnancial assets,
including account-based income streams.
Pensioners with account-based income
streams will only need to tell Centrelink their
account balance every six months, rather than
every time their withdrawal amount changes.
Overview for seniors
humanservices.gov.au 9
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The introduction of a three-year
trial to support older Australians
who want to downsize their home.
Starts 1 July 2014 and fnishes on
30 June 2017.
Who it affects:
About 30 000 pensioners of
age pension age who downsize their home.
More info: To be eligible, pensioners of age
pension age must downsize their home and
invest a minimum of 80 per cent of the excess
proceeds from the sale of their former home in
a special account during this period. They will
need to have lived in their former home for
25 years prior to the sale.
The funds invested in the special account
(up to a capped amount of $200 000) and any
returns will not be counted under the pension
income and assets test for up to 10 years,
providing no withdrawals of the balance or
interest are made from the account.
No new registrations will be taken
for the Pension Bonus Scheme.
Starts 1 March 2014.
Who it affects:
Older Australiansnot
registered in the Pension Bonus Scheme who:
turned age pension age before
20 September 2009
continued to work since turning pension age,
and
deferred receiving the Age Pension.
More info: Applications from eligible older
Australians to register in the Pension Bonus
Scheme will be accepted up to 1 March 2014.
Older Australians who are registered in the
Pension Bonus Scheme at 1 March 2014 will be
eligible to apply for a Pension Bonus payment
under the existing rules. Existing members of
the Pension Bonus Scheme are not afected by
these changes.
Information about the Department of Human Services Budget can be
found in the Budget statements on our website humanservices.gov.au
NEWS FOR SENIORS | ISSUE 91 10
NEWS | INVESTMENT SCAMS
Unreal deals
Investment scams are ofen so professional, slick and believable that
its hard to tell them apart from genuine investment opportunities.
Investment scams can come to you via a phone call, letter or email.
It may even be an oer from someone you trust.
There are three main types of
investment scams.
The ofer is totally fctitious and does
not exist.
The ofer exists but the money you
give the scammer is not going towards
that investment.
The ofer is falsely representative of a
well-known investment company.
In all cases your money goes straight into the
scammers bank account and not towards any
real investment.
Scammers will try to tempt you by using
phrases like tax free benefts, inside
information and guaranteed returns.
Dont buy into this. Do your own research.
Always ask the person oering
you an investment opportunity
these questions to check their
legitimacy:
What is your name and what company do
you represent?
Who owns your company?
Does your company have an Australian
Financial Services licence and what is the
licence number?
What is your address?
If they try to avoid answering these questions,
it is probably a scam. Hang up the phone, do
not respond to the email or stop dealing with
the person.
If they answer these questions, you can check
if their company name is on the Australian
Securities and Investment Commissions
(ASIC) list of unlicensed overseas companies at
moneysmart.gov.au or call 1300 300 630.
If youre worried about the authenticity or nature of any call from the
Department of Human Services or if you require any further information,
go to humanservices.gov.au or call 132 300.
Please be assured that we respect your privacy and will only ask questions
directly relevant to your payments and benets.
humanservices.gov.au 11
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Malcolms true story
I received a call from a man
claiming he was a broker from the
Kensington Group. He oered me
a great investment opportunity for
a stock called Interglobal Waste
Management, which was soon to be
listed on the stock market.
The broker spent an hour establishing his
credentials and the expected rise in stock
value. He then emailed me information on the
company and directed me to some websites.
The broker continued to call me over the
next few days until I fnally agreed to buy
$10 000 worth of stock. The caller promised
the paperwork would be sent to me and said
the deal had to be settled within 48 hours.
Afer a sleepless night worrying about what I
had agreed to, I emailed the company to tell
them I did not want the stock and was not
going to transfer the money. The broker kept
calling and pressured me further, even telling
me that I was doing the wrong thing by my
kids by not taking up the investment.
I was called again by various people in the
Kensington Group over the next six weeks
asking me why I had not invested. I knew
afer this amount of harassment that they
were defnitely scammers.
I was very glad I had not signed up to a deal
with the Kensington Group as I found their
name on ASICs list of companies you should
not deal with. The company was an overseas
business not licensed by ASIC and was
operating illegally in Australia. I reported the
company to ASIC.
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NEWS FOR SENIORS | ISSUE 91 12
NEWS | CHANGES
Help to get ready
for digital TV
By the end of 2013 analog TV signals
will be switched o around Australia.
The Household Assistance Scheme has been created
to help some Australians make the switch to digital
TV. It is designed to provide practical assistance
to older Australians, veterans and people with
disability (or their carers).
Assistance may include:
a high defnition digital set-top box
installation of the box by a government
contracted installer
a demonstration of how it works
12-month warranty, service and technical
support free of charge.
We will send you a letter if you may be eligible for
this assistance.
Please read the letter carefully and if you think
you are eligible, apply as soon as possible to receive
assistance so that you dont miss out.
To apply for the Household Assistance Scheme,
call us on 1800 556 443.
If you are registered for Centrelink Online
Services you can also apply online at
humanservices.gov.au/online
For more information about
getting ready for digital TV go
to digitalready.gov.au or call
1800 201 013.
If youre not eligible for the Household Assistance
Scheme, you can convert your current TV to digital by
either using a set-top box or a digital recording device
or you can buy a TV with a built-in digital tuner.
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Trusts and companies
annual review
The way we conduct reviews for trusts
and companies has recently changed.
Reviews of trusts and companies are
no longer always carried out annually.
These reviews will now occur if there
is a change in your circumstances, if
we think you are at risk of being paid
incorrectly or if you request a review.
If you are selected for a review, we will
contact you. You must tell us if there
are any changes in your circumstances
relating to your trust and/or company.
For more information about
trusts and companies go
to humanservices.gov.au or
call 132 300.
humanservices.gov.au 13
Australian Seniors Travel Insurance provides
you with the cover and protection you
require including
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Unlimited overseas medical expenses cover
(Worldwide plans only)
Domestic and International cover, choose
from one trip or annual policies
Selected pre-existing medical conditions
cover for 75 years and under
It pays to be prepared, should the worst
occur and you suffer an accidental injury.
The Seniors Accident Cash Plan can help
to maintain your Independence, by
providing financial support when you
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An everyday accident can affect your lifestyle!
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provided by ACE and Seniors is general only and does not consider your objectives, financial situation or needs. Please carefully read the
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product is right for you. For a full detailed view of the premiums, benefits, terms, conditions and exclusions that may apply, please read
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Dislocation benefit up to $3,000 for a range of bone dislocations
Home Assistance benefit up to $300 per week for up to 13 weeks
Extra Cash benefit up to $125 per day for up to 30 days
Bag Snatching benefit $500 for any level of cover
Emergency Transport benefit $250 for any level of cover
Access to the Family Care SOS 24/7 referral service
NEWS FOR SENIORS | ISSUE 91 14
TECHNOLOGY | AUSTRALIAN GOVERNMENT ONLINE SERVICES
Whether youre still working or just enjoying
retirement, you can use Express Plus to keep
connected with Centrelink.
Technological beginners and
tech savvy seniors alike are
discovering how helpful the
Express Plus Seniors app is.
I think an app is so much
easier to operate than going
online, says Peter Thomas
who is a long-time computer
user. You put a pin number in
and away you go.
I looked at the app and I
could access things like my
personal information and my
profle, he says, I found that
very useful.
Peter isnt alone in thinking
that the apps are easy for
people on the go. Lionel and
Mary Jacobson are among
the growing number of grey
nomads using the apps as
they travel in their retirement.
I really thought it would
be just a big holiday, says
Mary when describing their
travel. I thought it would be
like an extension of my six
weeks leave I was used to at
Christmas time.
But Ive never been so busy,
never been so short of time to
do the basics.
Keeping their payment
up-to-date has become much
easier since downloading
Express Plus Seniors.
With the Seniors app
only needing a four digit
pin, it is so quick, so easy,
says Mary. Its like having
your pin numbers for the
bank. I think its up there
with banking online, says
Lionel. You can just fnd
out in a moment how things
are going.
For more information about
Express Plus apps, visit
humanservices.gov.au/
expressplus