If you’re nearing retirement, you’ve probably started thinking about the Age Pension and more importantly, how to apply for it.Many Australians find the process a little confusing at first, but once you know the steps, it’s straightforward.
In this guide, we’ll walk you through how to apply for the Age Pension through Services Australia, what documents you’ll need, and a few tips to make the process easier.
What Is the Age Pension and Who Can Apply?
The Age Pension is a government payment designed to support older Australians who have reached the qualifying age and meet income, asset, and residency requirements.
As of 2025, you can apply for the Age Pension if you:
- Are 67 years or older (born on or after 1 January 1957)
- Are an Australian resident, and have lived in Australia for at least 10 years (including 5 continuous years)
- Meet the income and assets test set by Services Australia
You can apply up to 13 weeks before you reach the qualifying age which helps ensure your payments start on time.
How Do I Apply for the Age Pension Through Services Australia?
You can apply for the Age Pension online, by phone, or in person whichever is most convenient for you.
Here’s the step-by-step process:
Step 1: Set Up or Log In to MyGov
To apply online, you’ll need a myGov account linked to Centrelink.
If you don’t have one yet:
- Go to www.my.gov.au.
- Create an account using your email address.
- Link your account to Centrelink using your Customer Reference Number (CRN) or other identity details.
If you already have a myGov account, log in and go straight to Centrelink services.
Step 2: Prepare Your Documents
You’ll need to provide several documents to verify your identity, income, and assets.
Gather these before you start to make the process smoother.
Common documents include:
- Proof of identity (passport, driver’s licence, or birth certificate)
- Bank account details
- Superannuation statements
- Investment summaries (shares, managed funds, etc.)
- Details of property or other assets
- Income statements (from work, annuities, or overseas pensions)
- Proof of residency (if requested)
If you’re applying as a couple, you’ll need information for both partners.
Step 3: Complete the Online Application
Once you’re in your myGov > Centrelink portal:
- Select Payments and Claims → Make a Claim.
- Choose Age Pension under the Older Australians section.
- Follow the prompts to fill in your personal, financial, and asset details.
- Upload your supporting documents when prompted.
You can save your progress and return later if needed but make sure you submit within 14 days to keep your application active.
Step 4: Submit and Track Your Application
After you submit your claim, you’ll receive a receipt and reference number.You can track the progress of your claim anytime through myGov or the Centrelink Express Plus app.Processing typically takes a few weeks, depending on how complete your application is.
If Centrelink needs more information, they’ll contact you via your online inbox, email, or post.
Step 5: Wait for Approval and Your First Payment
Once your claim is approved, you’ll receive a letter or notification confirming your payment start date and amount.Your first payment usually arrives two weeks after approval, deposited directly into your nominated bank account.
You’ll also receive a Pensioner Concession Card, which gives you discounts on healthcare, utilities, and public transport.
How the Age Pension Is Paid
The Age Pension is paid fortnightly, and the amount you receive depends on your income and assets.
As of 2025, the maximum rates are:
| Recipient Type | Fortnightly Payment | Approx. Annual Total |
|---|---|---|
| Single | $1,097 | ~$28,500 |
| Couple (combined) | $1,675 | ~$43,700 |
Your rate may be lower if your income or assets exceed certain thresholds.
Can I Apply for the Age Pension in Person?
Yes.If you prefer a face-to-face experience, you can visit a Services Australia Service Centre and apply with the help of staff.You’ll need to bring the same identification and financial documents as listed above.
Alternatively, you can call 132 300 to discuss your eligibility or ask questions before lodging your claim.
How Long Does It Take to Get Approved?
The processing time can vary but most claims are finalised within 6–8 weeks.
To avoid delays:
- Make sure all documents are uploaded and clear.
- Check your messages in myGov regularly for requests.
- Apply early up to 13 weeks before turning 67.
If approved, your payments will be backdated to the date you became eligible (if you applied in time).
What Happens After I Start Receiving the Age Pension?
Once approved, you’ll need to keep your information up to date.
You must report:
- Changes to income, assets, or work hours
- Overseas travel (if longer than 6 weeks)
- Major changes in living arrangements or marital status
This helps avoid overpayments or penalties later.You can manage updates easily through your myGov account or the Centrelink app.
FAQs:
1. When can I apply for the Age Pension?
You can apply up to 13 weeks before you turn 67 to make sure payments start on time.
2. Do I have to apply online?
No. You can apply online, by phone, or in person at a Services Australia centre.
3. What documents do I need?
You’ll need proof of identity, bank details, super statements, and evidence of income or assets.
4. How long does it take to process?
Usually 6–8 weeks, but it can be faster if all information is complete.
5. What if I’m rejected?
You can request a review through Centrelink if you believe your eligibility was assessed incorrectly.
What Age Can I Get the Age Pension in Australia?
Can I Still Work Part-Time and Receive the Age Pension?
So, how do I apply for the Age Pension through Services Australia?
It’s simpler than it seems: set up myGov, prepare your documents, submit your claim, and track it online.Applying early and ensuring your details are correct can make the process smooth and help your first payment arrive right on time.
At Wealthlab, we help Australians plan their retirement transition, understand their pension options, and make the most of their super and entitlements.Book a free consultation today to see how we can help you plan your path to retirement confidence.
Learn More About Retirement & Superannuation
https://www.servicesaustralia.gov.au/how-to-claim-age-pension?
https://www.servicesaustralia.gov.au/decide-how-to-claim-age-pension?
https://www.servicesaustralia.gov.au/preparing-to-apply-for-age-pension?
https://www.servicesaustralia.gov.au/who-can-get-age-pension?