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Answered6 years ago

Can Australians still claim the Aged Pension after relocating to Thailand?

Trevor *****
asked Feb 11, 2021
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Good morning.

I am considering relocating to Chiang Mai from Australia aged 61.

Can any Aussie tell me if they have done similar and if they are still able to claim the Aussie Aged Pension at the appropriate age.

I'm assuming I can still claim the aged pension once I turn 68. After being away from Australia for 7 years.

Can someone please advise?

Thanks.
Answer summary
A user inquired about the ability to claim the Australian Aged Pension while relocating to Chiang Mai at age 61. Community responses outlined that eligibility typically requires a 35-year residency and a return to Australia for two years before claiming the pension. It was noted that the application for the pension can start 8 weeks prior to reaching the qualifying age, and that there are additional conditions such as residency and asset tests to consider.
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Nigel ********
Nigel ********
I couldn't see it mentioned previously. Along with a time in Australia test, there's also an assets test. I think the primary residence is excluded, but self funded super balance, shares, term deposits, investment property, etc, are included. Some one on here will know more about this.
Kim ***********
Kim ***********
No. We are in the same situation, we are 62 this year, can claim the pension at 67.5 years. You must have been living back in Australia, I think it is for 2 years prior. Contact Centre link or check their website, the info is on there. We were meant to have moved to CM for semi retirement last year, of course that didn't happen. 😢 will get back as soon as we can.
Julian ******
Julian ******
You need to spend as much time as possible in Australia before you reach pension age. If you are not considered a resident the pension will not be portable for two years.
Evan ********
Evan ********
You can probably get assessed for the pension at 67 (if your 61 now), in fact you can start the to apply earlier than your 67th birthday! (Around 8 weeks earlier).

Best you look up the official Oz Govt websites or this place has a free check about eligibility etc,
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JD ********
JD ********
Whenever you decide to actually move to Thailand (pension issue solved and all that)... Here is my advice... I live in Krabi Province (mid south Thailand - east of Phuket about 2+ hours drive)

Most every year and this year especially we have Expats who live near Chiang Mai posting on the local Facebook Groups here looking for a place to stay in Krabi... (Ao Nang, Koh Lanta, Klong Muang, etc.) for 2 to 3 months to get away from the dense smoke from the annual crop stubble burning all over that area - including parts of Laos and Myanmar (Burma)..

People from the greater Bangkok area are doing the same due to awful smog air quality problems.

I suggest research more - pick a place that will not affect your health.
Jill ******
Jill ******
@JD *******
I agree. I am living in BKK and came to Chiang Mai for weekend so have been watching the air quality for a while. BKK air has been terrible and Chiang Mai seems to follow the same levels. Go for safe air.
Kim *********
Kim *********
No you can’t. We’re in our 7th year in Thailand & cannot get the pension until we return but need to stay in Australia for minimum of 2 years after that or it is cut off.
Bobby ********
Bobby ********
There is a 35 year residency criteria in order to get the full uninterrupted pension when relocating overseas. If you have this, you have ticked the first box. When you reach pension age, you must return to Australia to claim it (cannot be done from Thailand), and then remain in Australia for two years to meet the "portability" aspect of the pension
Mark ********
Mark ********
@Bobby *******
I had an interview with a Centre Link Financial Advisor probably early to mid 2019.... if you spend at least 6 months of every 12 months, they deem that living in Australia. So out of the two years after being granted a pension (part or full), you need to stay 6 mths of each year in Australia...the 6 mths being cumulative per year. I believe that is still the case. I have 6 and a bit to go to claim at age 67yrs. Who knows what the criteria will be by then though.
Bobby ********
Bobby ********
Mark Butler

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Bobby ********
Bobby ********
Mark Butler. The process changed in the last couple of years. You now need 35 years residence status (do not need to be working, just physically in the country), and must be two years consecutive either before or applying for the pension. This way you get the full amount and it's totally portable for the rest of your days.
David ****************
David ****************
@Bobby *******
Wow that’s pretty hard stuff, is this money you have paid to the government throughout the years from your payroll salary?
Nigel ********
Nigel ********
David.... That's a good point. The UK has part A and part B contributions as part of income tax. One part is specifically for your pension, which you receive when you retire anywhere in the world regardless of your wealth. Australia doesn't have this system. Income tax paid in Australia goes into general revenue and there's no specific connection with your superannuation balance. So, if I earn 100k in the UK my pension balance will be larger than a person that earns 50k. Not the same in Australia. In Australia income tax has almost nothing to do with super. The gvmt wants people to be self funded, and use the super guarantee levy of 9.5% for that, which is on top of income tax, but levied on the employer.
Bobby ********
Bobby ********
David Hunt Gerholdt. There was a big conversation about this a few days ago in a different group which you might find informative

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Bobby ********
Bobby ********
David Hunt Gerholdt. Are you talking state pension or private pension? Private pension is not affected by these rules
Falcon *******
Falcon *******
frankly, now is really a bad time, wait a little longer. Timing is everything.
Todd *********
Todd *********
@Falcon ******
massive step up from retirement in Aus now though!

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