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明明就是低保金硬说成是养老金:低保金年龄,收入和资产测试将于2023年7月1日提高 [复制链接]

发表于 2023-6-19 23:34 |显示全部楼层
此文章由 aus.property 原创或转贴,不代表本站立场和观点,版权归 oursteps.com.au 和作者 aus.property 所有!转贴必须注明作者、出处和本声明,并保持内容完整
明明就是低保金硬说成是养老金:低保金年龄,收入和资产测试门槛将于2023年7月1日提高


澳大利亚的age pension相当于中国的低保金。
绝大部分老澳大利亚人民不符合age pension/低保金的收入和资产资格。
中国的养老金是退休的中国人民享受的终身福利,没有门槛。
澳大利亚人民工作时强制缴纳(雇主缴纳但也是收入)的Superannuation和中国人民工作时强制缴纳的养老险是一个概念,自己退休以后的钱。


当前标准
Pensioners are tested on both their income and assets when they apply for payments, and Centrelink applies the test which will give the applicant the lowest payment, Coyle said.

To be eligible for any pension payment, singles can currently earn $2318 per fortnight, while couples living together can earn $3544 combined.

Single homeowners can have $634,350 worth of assets aside from their home for a pension payment, and couples $954,000.

To qualify for a full pension, a single person can earn $190 per fortnight before their pension payment is affected, or $336 for couples.

A single homeowner can have about $280,000 of assets outside their home to qualify for a full pension, while a couple can have $419,000.

Non-homeowner singles, on the other hand, must have less than $859,250 in assets or $1,178,500 for a couple, to get approval for a full pension.

“Every $100,000 of asset value reduces your pension by about $7800 a year,” financial adviser Noel Whittaker said.

On July 1, many seniors who were previously ineligible for pensions, because of the value of their assets or income, will be able to claim part payments.

While those people, who were previously receiving part payments could receive the full pension.


2023年七月一日实施:
Australians born on or after January 1, 1957, will have to reach 67 years of age before becoming eligible for the pension as part of the new rules.

The July 1 changes will also mean singles can earn $204 a fortnight and couples $360 a fortnight, before losing their full pension.

Single homeowners can also have about $301,750 worth of assets before their full pension payment is reduced, while single non-homeowners can have $543,000.

Home-owning couples on a full pension can have $451,500 worth of assets before going onto a part payment, or $693,500 for non-homeowner couples.

The aged pension is changing on July 1, 2023 and more people will be eligible for payments.
The aged pension is changing on July 1, 2023 and more people will be eligible for payments. Credit: Halfpoint Images/Getty Images
People who were previously ineligible for pension payments may now qualify for a part payment, with the income threshold for singles raised to $2332 per fortnight, and $3568 for couples.

Single homeowners can also have $656,500 of assets before being ruled out for a payment, and couples $986,500.

For non-homeowners, singles can have $898,500 in assets and couples $1,228,500.

For people already on full pensions, their payment will remain the same, but Coyle said this group of older Australians are also struggling.

“This is positive (change) because it makes people a little bit better off, but it’s not a lot,” he said.

“At a time of cost-of-living crisis, particularly for single renters, they really struggle. I’d like to see more incentives for senior Australians to remain in the workforce.”

Whittaker advised seniors to prepare for pension age five years before they are eligible and to see professional advice to maximise their potential payments.

https://7news.com.au/business/ce ... y-1-2023-c-11021761

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发表于 2023-6-20 15:35 |显示全部楼层
此文章由 seawhale 原创或转贴,不代表本站立场和观点,版权归 oursteps.com.au 和作者 seawhale 所有!转贴必须注明作者、出处和本声明,并保持内容完整
本帖最后由 seawhale 于 2023-6-20 14:36 编辑

美国和澳大利亚的其实如果你想有比较好的老年生活基本都要靠自己的积蓄, 如果拿全政府给那些低保, 你是得彻底一穷二白. 所以有人早就看透了.

现在最好的办法就是50岁卖房辞职, 趁着自己还能玩得动玩到70岁之后把钱花光或者全都赠与给子女自己一穷二白开始撸政府低保的羊毛, 如果觉得70岁以后活不动了没啥活的动力了安乐死也行. 真的工作到70岁再开始享受生活, 那基本就是享受半残疾或者半植物人的生活了.

Be right, do right, evil and mistake left.

发表于 2023-6-20 15:43 |显示全部楼层
此文章由 wolf123 原创或转贴,不代表本站立场和观点,版权归 oursteps.com.au 和作者 wolf123 所有!转贴必须注明作者、出处和本声明,并保持内容完整
这种比较,呵呵。



发表于 2023-6-20 15:46 来自手机 |显示全部楼层
此文章由 Perth好 原创或转贴,不代表本站立场和观点,版权归 oursteps.com.au 和作者 Perth好 所有!转贴必须注明作者、出处和本声明,并保持内容完整
低保金不是钱吗?毒贩的钱和政府的钱有种姓之分?
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发表于 2023-6-20 16:02 来自手机 |显示全部楼层
此文章由 Me!Bourne 原创或转贴,不代表本站立场和观点,版权归 oursteps.com.au 和作者 Me!Bourne 所有!转贴必须注明作者、出处和本声明,并保持内容完整
请问楼主,中国的城镇居民养老金相当于澳洲的啥? 中国的职工居民养老金相当于澳洲的啥?

注意,中国的养老金制度近似与日本的养老金制度,但他们都跟澳洲的养老金不同。
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发表于 2023-6-20 16:03 来自手机 |显示全部楼层
此文章由 Me!Bourne 原创或转贴,不代表本站立场和观点,版权归 oursteps.com.au 和作者 Me!Bourne 所有!转贴必须注明作者、出处和本声明,并保持内容完整
澳洲的低保是那些有资格住公房的人群吧。
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发表于 2023-6-20 16:26 |显示全部楼层
此文章由 sydnewcomer 原创或转贴,不代表本站立场和观点,版权归 oursteps.com.au 和作者 sydnewcomer 所有!转贴必须注明作者、出处和本声明,并保持内容完整
手里有近100万资产比如super, 慢慢花着,同时享有一点领pension 能带来的福利,也不错嘛。

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