Do I need to live in Australia for two years to take my age pension to Thailand?

Jul 16, 2022
2 years ago
Stuart *********
ORIGINAL POSTER
Hi, just a question for any Australian age pensioners, I am about to apply for a pension and then come to Thailand permanently but on the centrelink website there is a suggestion that I have to stay in Australia for 2 years before I can take my pension to Thailand, I have lived and worked in Australia for 42years, any advice please?
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TLDR : Answer Summary
The individual inquiring about the Australian age pension is considering relocating to Thailand permanently. They mention that the Centrelink website suggests a two-year residency requirement in Australia before being able to take their pension overseas. Responses clarify that as long as they have lived in Australia for the two years prior to applying for the pension, they would be eligible to receive it in Thailand. Others share experiences about challenges with Centrelink, especially when absent from Australia, and discuss supplementing their pensions with superannuation funds.
Neil ********
So I'm originally from UK and have been a resident in Australia for 15 years so far. Should I be topping up my UK national insurance to the max now (I'm 57) in readiness to retire to Thailand when I am 60+. Guessing I won't get any Aus pension thanks to Centrelink because my super will be at a reasonable amount.
Bobby ********
@Neil *******
Ah ok. So you don't have a Government Gateway login ID?
Neil ********
@Bobby *******
I did and used ms authentication but the next step required the passport number
Bobby ********
@Neil *******
That's a bummer. Not everyone has a passport, so there's no way of providing some other form of ID?
Neil ********
@Bobby *******
not that i know of, a friend when through this last year and ended up applying for a new passport. It doesn't hurt to have it besides the renewal fee
Bobby ********
@Neil *******
Not a bad idea. I think you need minimum 10 years of NI contributions in order to qualify for part-pension. It'll supplement your superannuation. Keep in mind you have to keep paying until you reach retirement age (at the moment 66)
Neil ********
@Bobby *******
Thanks for the advice, without a UK passport number it's hard to get any details so I'll start there. I should have 28 years in already
Bobby ********
@Neil *******
You can get an online estimate of your forecast pension.
Neil ********
@Bobby *******
when I tried they wanted a current passport number, I only have a current Aussie one
Kathalyn *******
You should be OK if you have been living continuously in Australia for the two years prior to applying.
Geoff ********
Hi. I was born and bred in Sydney. Worked and paid taxes from age 18 up to 60. At 60 after many holidays here I decided to move and retire here. I incorrectly thought that when I reached 65 I would apply for the age pension. I didn’t get around to doing that until I was 67. Centrelink rejected my application because I had been absent from Australia for more than two years and hence considered a non resident !! I appealed to the Dept of Hone Affairs in Canberra only to get a letter telling me the same thing. The only way open to me was to return to Australia and live there permanently for two years. I will be 80 next year, have a house and family here as well as dogs etc. I have no property or family left in Australia so my return for two years is out of the question. Luckily I have two superannuation funds to fund my life here but would have liked the age pension to which I am entitled. My British and American friends here all get their age pensions here.
Aaron ******
@Geoff *******
yeah ours in the US may not pay a lot but at least it is expat friendly.

Of course we have world wide taxation so even long term expats have basically always paid into it minus a few treaty nations.
Stuart *********
ORIGINAL POSTER
@Geoff *******
thank you, that was the very situation I was referring to, your reply is invaluable and enlightening, sorry to hear about your plight , but if we ever meet, my shout, going to Phuket 🙏😊
Bobby ********
@Geoff *******
The Australian pension is means tested, so your other super funds may not allow you to get the state pension. UK is different as a seperate "National Insurance" exists into which everyone pays, and hence you get the state pension irrespective of any private pension schemes.
Geoff ********
@Bobby *******
I am aware of all that. I was a professional accountant in Australia. Both my super funds are from my times with State and Federal governments and both are tax exempt. No other assets in Australia except savings account. Any income is below the tax free threshold anyway.
Stephen ******
@Geoff *******
tax exempt super pensions and below the tax free threshold is irrelevant as far as Centrelink entitlement is concerned…they are just concerned with the amount of income and eligible assets.
Leonard *********
@Geoff *******
My situation is similar. Been in Phuket 3 months now and loving it. I’ve been receiving my Oz public service defined benefit pension for 18 months now since reaching preservation age of 58 and can’t wait to turn 60 in November when it becomes tax exempt. Still have 2 units in Melbourne negatively geared, and still working p-t as a lawyer so I expect taxes to remain a “taxing” issue!
Bobby ********
@Geoff *******
I'm the same. 35 years in the public service. Very generous pension which is tax-free. But tax-free is not "Centrelink free" and any income from private pensions is assessable by Centrelink. I don't qualify for the Aussie state pension because of this, although due to ten years I worked in the UK, I'm entitled to a part-pension, which is because it's a totally separate scheme
Bobby ********
If you've been living in Australia for the two full years prior to applying for the pension, you're good to go, your pension is portable. It's only for those already living overseas and return to Australia simply to apply for the pension who have to serve the two years residency test
Bobby ********
@Stuart ********
If you're not already a member, join this group. This subject is often a hot topic amongst Aussies, and there's some very informative posts if you search for them

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Stuart *********
ORIGINAL POSTER
@Bobby *******
Thanks, I will join today 🙏👍😊
Jim **********
@Bobby *******
well put and correct
Stuart *********
ORIGINAL POSTER
@Bobby *******
thank you Bobby, that's what I was hoping, I was starting to panic 😊
Peter *********
Get pension paid in to Oz account then use wise to transfer to your thai bank
Michael ******
@Peter ********
Centrelink knows you have left the country by border force
Stuart *********
ORIGINAL POSTER
@Peter ********
thank you, that's great advice, I was tossing up whether to do that or let them pay into my Bangkok bank account, your advice is appreciated and another problem solved.😊
Paul *********
@Stuart ********
yes wise is awesome here's the link
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Peter *********
@Stuart ********
nice one glad to help 👍
Jim *****
You get the pension less the energy supplement etc
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