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Retiring with debt? Experts explain downsizing, using super for your mortgage, and pension eligibility

<div class="theconversation-article-body"> <a href="https://theconversation.com/profiles/kathleen-walsh-218536">Kathleen Walsh</a>, <a href="https://theconversation.com/institutions/university-of-technology-sydney-936">University of Technology Sydney</a> and <a href="https://theconversation.com/profiles/jemma-briscoe-2234812">Jemma Briscoe</a>, <a href="https://theconversation.com/institutions/university-of-technology-sydney-936">University of Technology Sydney</a> About <a href="https://cepar.edu.au/sites/default/files/cepar-research-brief-housing-ageing-australia.pdf">36%</a> of homeowners still have a mortgage when they retire, up from 23% a decade ago. This increase in mortgage debt is due to soaring property prices, <a href="https://www.mlc.com.au/content/dam/mlc/documents/pdf/retirement/retirement-reports-housing-report.pdf">changes in retirement ages</a> and easy access to <a href="https://www.dss.gov.au/our-responsibilities/seniors/benefits-payments/home-equity-access-scheme">drawdown equity loans</a> (where you use your home as security to get a loan, which can be used to fund travel, medical costs and other expenses). So, what are the options for homeowners who carry debt into retirement? <h2>Option 1: keeping the home and the debt</h2> If you keep the family home in retirement, you get to own a property and can still receive the <a href="https://www.dva.gov.au/get-support/financial-support/income-support/what-changes-your-payments/your-property-or-accommodation/how-owning-home-can-affect-pensions-and-payments">age pension</a>. For example: Jackie has a home worth A$2 million with a $200,000 mortgage. She also has $800,000 in superannuation. She is 67 but is not eligible for the age pension because her <a href="https://moneysmart.gov.au/how-super-works/tax-and-super#:%7E:text=If%20you're%20aged%2060%20or%20over%20and%20withdraw%20a,as%20a%20public%20sector%20fund.">assessable assets</a> – her super – is above the $695,500 cut off. If Jackie takes $200,000 from her super and repays the outstanding mortgage debt, she will save on interest and principal repayments for the next ten years. She will also reduce her assessable assets by $200,000. This makes her eligible for a part pension. So while Jackie has less super, she gets to receive a pension and gets all the subsidies associated with being a pensioner. <h2>Option 2: downsizing to clear the debt</h2> Downsizing can extinguish any remaining debt, and can free up money for holidays, restaurants and the good life in retirement. It also enables a move to a more age-friendly home or apartment. And the government does provide a superannuation incentive via the <a href="https://www.ato.gov.au/individuals-and-families/super-for-individuals-and-families/super/growing-and-keeping-track-of-your-super/how-to-save-more-in-your-super/downsizer-super-contributions">downsizing contribution</a>. This allows homeowners over 55 who have lived in their home for more than ten years to make a one-off contribution of $300,000 (singles) and $600,000 (couples) to their super, using money from the sale of their home. But when a person reaches pension age, currently 67, any money in super will be included in <a href="https://www.servicesaustralia.gov.au/deeming?context=22526">the government’s assessment</a> of your financial assets and income. It could mean you don’t qualify for a pension or pensioner subsidies. Of the approximately 2.6 million who receive a part or full the age pension, only <a href="https://www.ato.gov.au/about-ato/research-and-statistics/in-detail/super-statistics/downsizer-super-contributions-data">78,000 people</a> have taken up this initiative. That begs the question if this option really does create a true financial downsizing incentive. Think again of Jackie, the woman with the $2 million home and the $200,000 in mortgage debt. Say she decides to sell her home and move to a smaller house close to family and friends. This will incur about $40,000 in selling and marketing fees, and stamp duty of around $62,000 on her new $1.4 million apartment. Downsizing leaves her with $1.1 million in financial assets (after transaction costs), which means that Jackie is not eligible for the pension. While she’ll be able to fund a comfortable lifestyle, this decision to downsize may not be as attractive as keeping the house. The decision to sell and move has cost her an extra $100,000 in transaction costs and her pension. So, people need to think carefully about downsizing. It can allow people to move closer to children, grandchildren, and the services they need – but these must be balanced against the financial implications. <h2>What about renters?</h2> Paying market rent while on a fixed income can be very hard, so renting is a challenge for retirees. According to the <a href="https://www.abs.gov.au/statistics/people/housing/housing-census/latest-release">2021 census</a>, women aged 55-64 and those over 65 are among the fastest-growing groups experiencing homelessness. The good news is many profit and not-for-profit retirement communities provide rental models and discounted entry contributions to residents with limited means (but there are often waiting lists). Retirement village residents may also be eligible for <a href="https://guides.dss.gov.au/social-security-guide/4/6/4/30">rent assistance</a> depending on their circumstances. Rent assistance is an extra $5,751 per year in social security benefits and provides extra financial support to <a href="https://guides.dss.gov.au/social-security-guide/5/1/7/10">eligible age pension recipients</a>. Retirement communities provide vulnerable older Australians a unique opportunity to move into a community under a leasehold or licence agreement. More than 260,000 senior Australians live in about <a href="https://www.propertycouncil.com.au/media-releases/retirement-living-construction-leads-wary-market">2,500 retirement communities</a> across the country. While a retirement village may not be the first option for many retirees, they can provide affordable accommodation. <h2>Making the best choice</h2> Navigating housing decisions as you approach retirement means balancing financial, emotional, and lifestyle considerations. Homeowners retiring with a mortgage face a choice: keep their home or downsize to alleviate debt. Keeping the home and accessing super to pay the outstanding debt improves cash flow and allows you to keep your biggest asset. Downsizing helps eliminate debt and boosts the super balance, but comes with extra transaction costs (and you may end up with less pension, or none at all). Seeking professional <a href="https://moneysmart.gov.au/financial-advice/choosing-a-financial-adviser">financial advice</a> is crucial, and ensure they are a registered <a href="https://moneysmart.gov.au/financial-advice/financial-advisers-register">financial advisor</a>.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/240679/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/kathleen-walsh-218536">Kathleen Walsh</a>, Professor of Finance, <a href="https://theconversation.com/institutions/university-of-technology-sydney-936">University of Technology Sydney</a> and <a href="https://theconversation.com/profiles/jemma-briscoe-2234812">Jemma Briscoe</a>, Adjunct lecturer in finance, <a href="https://theconversation.com/institutions/university-of-technology-sydney-936">University of Technology Sydney</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/retiring-with-debt-experts-explain-downsizing-using-super-for-your-mortgage-and-pension-eligibility-240679">original article</a>. </div>

Retirement Income

The latest COVID booster will soon be available. Should I get one? Am I eligible?

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/nathan-bartlett-1198187">Nathan Bartlett</a>, <a href="https://theconversation.com/institutions/university-of-newcastle-1060">University of Newcastle</a> Australia’s <a href="https://www.tga.gov.au/products/covid-19/covid-19-vaccines/covid-19-vaccines-regulatory-status">Therapeutic Goods Administration</a> (TGA) has recently approved a new COVID booster. The shot was developed by Pfizer and targets <a href="https://www.sbs.com.au/news/article/what-to-know-about-the-new-covid-19-vaccine-approved-in-australia/z7ev2u8qn">the JN.1 sub-variant</a> of Omicron. This is now <a href="https://theconversation.com/new-covid-vaccines-may-be-coming-to-australia-heres-what-to-know-about-the-jn-1-shots-237652">the fifth iteration</a> of the COVID vaccines, which have been updated regularly to keep up with the rapidly evolving virus, SARS-CoV-2. But nearly five years into the pandemic, you may be wondering, why do we need yet another type of COVID booster? And do we still need to be getting boosters at all? Here’s what to consider. <h2>Targeting the spike protein</h2> Pfizer’s JN.1 booster (and Moderna’s, though the TGA has <a href="https://www.tga.gov.au/products/covid-19/covid-19-vaccines/covid-19-vaccines-regulatory-status">not approved</a> this one at this stage) is based on mRNA technology. This technology instructs our cells to produce a specific protein – in this case SARS-CoV-2’s spike, a protein on the surface of the virus that allows it to attach to our cells. This helps the immune system produce antibodies that recognise the spike protein and interfere with the virus getting into our cells. In response to our strengthened immune responses from vaccinations and previous infections (called immune pressure), SARS-CoV-2 has continued to evolve over the course of the pandemic, modifying the shape of its spike protein so our antibodies become less effective. Most recently we’ve faced a soup of Omicron sub-variants, including JN.1. Since JN.1 was first detected <a href="https://www.gavi.org/vaccineswork/seven-things-you-need-know-about-jn1-covid-19-variant">in August 2023</a>, this Omicron sub-variant has spawned a variety of further sub-variants, such as KP.2 (known as FLiRT), KP.3 (<a href="https://theconversation.com/from-flirt-to-fluqe-what-to-know-about-the-latest-covid-variants-on-the-rise-234073">known as FLuQE</a>) and <a href="https://theconversation.com/xec-is-now-in-australia-heres-what-we-know-about-this-hybrid-covid-variant-239292">XEC</a>. The spike protein is made up of <a href="https://www.nature.com/articles/s41401-020-0485-4">1,273 amino acids</a>, a bit like molecular building blocks. Mutations to <a href="https://www.frontiersin.org/journals/microbiology/articles/10.3389/fmicb.2023.1228128/full">the spike protein</a> change individual amino acids. Certain amino acids are important for allowing neutralising antibodies to bind to the spike protein. This means changes can give the virus an edge over earlier variants, helping it evade our immune response. Scientists keep updating the COVID vaccines in an effort to keep up with these changes. The better matched the vaccine “spike” is to the spike protein on the surface of the virus trying to infect you, the better protection you’re likely to get. <h2>So who should get vaccinated, and when?</h2> Updating vaccines to deal with mutating viruses is not a new concept. It has been happening for the flu vaccine since <a href="https://www.who.int/news-room/spotlight/history-of-vaccination/history-of-influenza-vaccination">around 1950</a>. We’ve become accustomed to getting the annual flu vaccine in the lead-up to the winter cold and flu season. But, unlike influenza, COVID has not settled into this annual seasonal cycle. The frequency of COVID waves of infection has been fluctuating, with new waves emerging periodically. COVID is also <a href="https://academic.oup.com/jtm/article/29/8/taac108/6731971">more transmissible</a> than the flu, which presents another challenge. While numbers vary, a conservative estimate of the reproduction number (R0 – how many people will one person will go on to infect) for JN.1 is 5. Compare this to seasonal flu with an R0 of <a href="https://bmcinfectdis.biomedcentral.com/articles/10.1186/1471-2334-14-480">about 1.3</a>. In other words, COVID could be four times more transmissible than flu. Add to this immunity from a COVID vaccination (or a previous infection) <a href="https://www.nature.com/articles/d41586-023-00124-y">begins to wane</a> in the months afterwards. So an annual COVID booster is not considered enough for some more vulnerable people. <iframe id="gOYwk" class="tc-infographic-datawrapper" style="border: 0;" src="https://datawrapper.dwcdn.net/gOYwk/2/" width="100%" height="400px" frameborder="0" scrolling="no"></iframe> For adults <a href="https://www.health.gov.au/our-work/covid-19-vaccines/getting-your-vaccination">aged 65 to 74</a>, a booster is recommended every 12 months, but they’re eligible every six months. For adults over 75, a shot is recommended every six months. Adults aged 18 to 64 are eligible every 12 months, unless they have a severe immune deficiency. Many conditions can cause immunodeficiency, including genetic disorders, infections, cancer, autoimmune diseases, diabetes and lung disease, as well as having received an organ transplant. For this group, it’s recommended they receive a shot every 12 months, but they’re eligible every six. <h2>Making sense of the advice</h2> A vaccine that targets JN.1 should provide good protection against the Omicron sub-variants likely to be circulating in the coming months. A few things need to happen before the JN.1 shots become available, such as the Australian Technical Advisory Group on Immunisation providing guidance to the government. But we can reasonably expect they might be rolled out <a href="https://www.sbs.com.au/news/article/what-to-know-about-the-new-covid-19-vaccine-approved-in-australia/z7ev2u8qn">within the next month or so</a>. If they hit doctors’ offices and pharmacies before Christmas and you’re due for a booster, the holiday period might be added impetus to go and get one, especially if you’re planning to attend lots of family and social gatherings over summer. In the meantime, the <a href="https://theconversation.com/what-are-the-new-covid-booster-vaccines-can-i-get-one-do-they-work-are-they-safe-217804">XBB.1.5 vaccines</a> remain available. Although they’re targeted at an earlier Omicron sub-variant, they should still offer some protection. While young, healthy people might like to wait for the updated boosters, for those who are vulnerable and due for a vaccination, whether or not to hold out may be something to weigh up with your doctor. The advice on COVID boosters in Australia, with stronger wording (“recommended” versus “eligible”) used for more vulnerable groups, reflects what we know about COVID. People <a href="https://academic.oup.com/ageing/article/49/6/901/5862042">who are older</a> and medically vulnerable are more likely to become very unwell with the virus. For young, healthy people who may be wondering, “do I need a COVID booster at all?”, having one annually is sensible. Although you’re less likely to get very sick from COVID, it’s possible. And, importantly, vaccines also reduce the risk of <a href="https://www.thelancet.com/journals/lanres/article/PIIS2213-2600(24)00082-1/fulltext">developing long COVID</a>. While COVID vaccines do a very good job of protecting against severe disease, they don’t necessarily stop you becoming infected. Evidence on whether they reduce transmission <a href="https://www.nejm.org/doi/full/10.1056/NEJMoa2116597">has been mixed</a>, and <a href="https://pubmed.ncbi.nlm.nih.gov/38820077/">changed over time</a>. We’ve come to appreciate that vaccination is not going to free us of COVID. But it’s still our best defence against severe illness.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/239594/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/nathan-bartlett-1198187">Nathan Bartlett</a>, Professor, School of Biomedical Sciences and Pharmacy, <a href="https://theconversation.com/institutions/university-of-newcastle-1060">University of Newcastle</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/the-latest-covid-booster-will-soon-be-available-should-i-get-one-am-i-eligible-239594">original article</a>. </div>

Body

Hunt for Australia's first Golden Bachelor begins

While former Sunrise host Samantha Armytage has been confirmed to host Nine's new reality series The Golden Bachelor, there are still a few major roles to fill. The bachelor and all the women needed for the series are yet to be found, but one well-known businessman is believed to be a leading contender for the show. “We are looking for Australia’s first Golden Bachelor and many incredible women who want to find love again,” read the official casting website. Nine are looking for people aged between 60 and 75 years old who are “looking for the last great love” of their life, live in Australia and are single. “Do you know someone in their golden years who deserves one more shot at their happily ever after?” the casting notice read. According to TV Blackbox expert Steve Molk, “Mark Bouris is being touted as their guy.” Bouris, 68, is a podcaster for Straight Talk and a former host of Nine's The Celebrity Apprentice. Molk added that it's not uncommon for a network to create buzz with the announcement “in the hope it will help shake the trees for prospective applicants to flock and submit their audition”. Although Nine has yet to confirm their broadcast date, Molk believes that it's likely to air mid next year. “This gives them time to cast and film while still showing partners why they would want to drop their cash with Nine." Armytage said the Australian version of the show has “got a different spin”. “This is for people who are looking for love again, who’ve got some miles on their tyres and are ready to fall in love again,” she told Nine's Today on October 29. “These are people with life experience. There’s going to be some great stories here, some kind of sad stories in some. “We’re looking for a happy fairytale ending.” Image: Nine

Sam Armytage breaks silence on Golden Bachelor

After months of speculation about her potential new role, Samantha Armytage has confirmed she will be the host of The Golden Bachelor, hitting screens in 2025. Armytage said she is delighted to "be part of the Nine family" after her long-running career with Channel Seven, as she shared her excitement about the upcoming show that has already taken American audiences by storm. "I think you're all going to love this. It's love for the golden ages," Armytage said. "This show is about finding love for those who have lost love, or are looking for love a second time around. It's going to be beautiful and I can't wait." The show will see one charming Golden Bachelor embark on a heartfelt journey to find a soulmate, with Samantha guiding him every step of the way as he seeks a partner who can share the joys and adventures of life's later chapters. The show was announced at Channel 9's annual Upfronts events alongside its dazzling new host, who said she was excited to start the new hosting gig. "When I got the call to join the show, I didn't hesitate," she said. "[The Golden Bachelor] has been huge in America, and I have a feeling it's gonna be huge in Australia, too." Now that the show and host have been announced, attention has turned to finding Australia's first Golden Bachelor and the women he'll date to find true love. Armytage explained: "The Golden Bachelor is an extension of the original format but for people in their 50s and 60s, so we're appealing to the Golden Ages and people who have had love in the past and now want to find another love – a new love." "You're young at heart. You feel like an adventure. You're looking for some romance and you're looking for real love," she said. "This is about finding real love." Armytage is also encouraging young adults with parents or even grandparents who might be open to love to apply, saying, "This is going to be a great show, and you are really gonna wanna be part of this." Image credits: Nine

Millions of Aussies eligible for free holidays

Millions of Australians are set to be eligible for free holidays under a new initiative by the Victorian government in an attempt to ease cost-of-living pressures. From December, any Aussies wishing to embark on a camping trip in Victoria will have all their booking fees waived. Camping will be free at all 131 of Parks Victoria’s paid campgrounds from December 1st 2024, until June 30th 2025, saving families an estimated $7.3 million in booking fees, according to the state government. Those who have already booked a camping trip before the promotion's commencement date will still have the offer honoured, with full refunds available online. Premier Jacinta Allan said in the lead up to the festive season, every family deserves a holiday that won't break the bank. "Busy families deserve a great holiday in our great outdoors – and this summer, they can stay for free," she said. "I grew up camping with my family and those special memories have stayed with me forever." Each year, approximately 50 million people visit Victoria’s iconic state forests and national parks every year for activities including camping, hiking, fishing and hunting and four-wheel driving All bookings and refunds under the scheme can be made at <a href="https://www.parks.vic.gov.au" target="_blank" rel="noopener">parks.vic.gov.au</a>. Image credits: Parks Victoria

Domestic Travel

Thousands of eligible Aussies to receive cost-of-living payments

Around 210,000 eligible South Australian households will receive a cost-of-living payment this week, including pensioners, Centrelink recipients and low-income earners. A Cost of Living Concession of $255.60 will be paid to all eligible households, with the annual payments made to eligible tenants and self-funded retirees doubled to match the amount given to homeowners. The payment is part of the state government's $266.2 million cost-of-living relief package announced in this year's state budget. This included the one-off additional payment of $243.90 to households who received last year's cost-of-living payment in June. South Australia's Premier Peter Malinsauskas said the government had delivered the “single largest cost-of-living assistance package in South Australia’s history”. “We know people are doing it tough and cost-of-living pressures are continuing to have an impact on many South Australians,” he said. “In the past two months, our government will have issued more than $100 million in targeted cost-of-living relief to South Australian households.” Pensioners and other card holders including, the Pensioner Concession Card, Veteran Gold Card, Low Income Health Care Card and Commonwealth Seniors Health Card, as well as low-income households and those receiving Centrelink payments including JobSeeker, the Parenting Payment and Youth Allowance, are eligible to receive the SA Cost Of Living Concession. Those who want to receive the concession for that financial year will need to apply <a href="https://www.sa.gov.au/topics/care-and-support/concessions/household-concessions/cost-of-living-concessions" target="_blank" rel="noopener">online</a> by December 31 and only one person per household can receive the payment and it will be based on your circumstances on July 1. Those who have previously received the payment and whose circumstances haven't changed don't need to reapply. The payments started rolling out this month, with Human Services Minister Nat Cook saying that all payments should come through by early next week. “This includes everyone who received a payment last year and who is still eligible, as well as new applications which have been processed up to now,” Cook said. "Anyone who thinks they might be eligible for cost-of-living support should head to the sa.gov.au website to have a look at the eligibility criteria." Other states have also provided cost-of-living support, with eligible seniors in Western Australia able to receive a Cost of Living Rebate of $107.12 for singles and $160.68 for couples. While in the ACT, apprentices and tradies in the state can get a one-off $250 Cost Of Living payment if they are employed by an ACT employer. NSW has a few cost-of-living initiatives including up to $350 energy rebates for eligible households, and up to $4,220 early childhood fee relief for 3 to 5-year-olds attending eligible community and mobile preschools. Image: Shutterstock

Money & Banking

Aussies working in "priority occupations" eligible for cash increase

Thousands of hard-working Aussies who work in certain areas are now eligible for new training and support payments of up to $10,000. The initiative comes to support Australians working in sectors with a high demand for skilled workers, and a commitment to clean energy. From July 1st, thousands of apprentices working in what the government deems as “priority occupations” are eligible for the $5,000 Australian Apprenticeship Training Support Payment. If those priority occupations also offer exposure and experience in “clean energy”, apprentices are instead eligible for the more lucrative New Energy Apprenticeship Support Payment of up to $10,000. The list of "priority occupations" is extensive and includes aged care workers, arborists, bakers, beauty therapists and many more. According to the Department of Employment and Workplace Relations (DEWR), the jobs are characterised by a strong current demand for skilled workers, and a strong demand expected in the future. The clean energy jobs also include many different professions, with agricultural and agritech technicians, automotive electricians, regular electricians, gas fitters, glaziers, joiners, plumbers and welders all included. The full list of priority jobs can be found on the <a href="https://www.dewr.gov.au/skills-support-individuals/resources/appendix-australian-apprenticeship-priority-list-1-january-2024" target="_blank" rel="noopener" data-link-type="article-inline">Department of Employment and Workplace Relations website.</a> For the Australian Apprenticeship Training Support Payment, the $5000 payment comes in four instalments over two years, while the New Energy Apprentice Support Payment is paid out over the course of the apprenticeship — up to $5000 for part-time apprentices and up to $10,000 for full-time apprentices. It is hoped the payments will incentivise apprentices to remain on the career pathway. Image credits: Shutterstock

Money & Banking

People with dementia aren’t currently eligible for voluntary assisted dying. Should they be?

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/ben-white-15387">Ben White</a>, <a href="https://theconversation.com/institutions/queensland-university-of-technology-847">Queensland University of Technology</a>; <a href="https://theconversation.com/profiles/casey-haining-1486290">Casey Haining</a>, <a href="https://theconversation.com/institutions/queensland-university-of-technology-847">Queensland University of Technology</a>; <a href="https://theconversation.com/profiles/lindy-willmott-15386">Lindy Willmott</a>, <a href="https://theconversation.com/institutions/queensland-university-of-technology-847">Queensland University of Technology</a>, and <a href="https://theconversation.com/profiles/rachel-feeney-140352">Rachel Feeney</a>, <a href="https://theconversation.com/institutions/queensland-university-of-technology-847">Queensland University of Technology</a> Dementia is the <a href="https://www.dementia.org.au/about-dementia">second leading cause of death</a> for Australians aged over 65. More than 421,000 Australians <a href="https://www.dementia.org.au/about-dementia">currently live with dementia</a> and this figure is expected to almost double in the next 30 years. There is ongoing public <a href="https://www.mja.com.au/journal/2024/220/9/should-voluntary-assisted-dying-victoria-be-extended-encompass-people-dementia">discussion</a> about whether dementia should be a qualifying illness under Australian voluntary assisted dying laws. Voluntary assisted dying is <a href="https://www.unswlawjournal.unsw.edu.au/wp-content/uploads/2023/12/Issue-464-10-Waller-et-al.pdf">now lawful in all six states</a>, but is not available for a person living with dementia. The Australian Capital Territory has <a href="https://www.canberratimes.com.au/story/8631104/marisa-paterson-to-consult-on-voluntary-assisted-dying-amendments/?cs=14329">begun debating</a> its voluntary assisted dying bill in parliament but the government has <a href="https://www.legislation.act.gov.au/DownloadFile/es/db_68610/current/PDF/db_68610.PDF">ruled out</a> access for dementia. Its view is that a person should retain decision-making capacity throughout the process. But the bill includes a requirement to <a href="https://www.legislation.act.gov.au/b/db_68609/">revisit the issue</a> in three years. The Northern Territory is also considering reform and <a href="https://www.theaustralian.com.au/subscribe/news/1/?sourceCode=TAWEB_WRE170_a_GGL&dest=https%3A%2F%2Fwww.theaustralian.com.au%2Fnation%2Fpolitics%2Fconcerning-territory-nt-surveys-public-support-on-euthanasia-for-mentally-ill%2Fnews-story%2F4e45111bb293af4cf32ac3c6df058869&memtype=anonymous&mode=premium&v21=GROUPA-Segment-2-NOSCORE&V21spcbehaviour=append">has invited views</a> on access to voluntary assisted dying for dementia. Several public figures have also entered the debate. Most recently, former Australian Chief Scientist, Ian Chubb, <a href="https://www.abc.net.au/listen/programs/melbourne-drive/voluntary-assisted-dying-dementia-victoria/103467864">called for the law to be widened</a> to allow access. Others <a href="https://www.smh.com.au/national/voluntary-assisted-dying-should-not-be-available-to-dementia-patients-20230607-p5deqo.html">argue</a> permitting voluntary assisted dying for dementia would present unacceptable risks to this vulnerable group. <h2>Australian laws exclude access for dementia</h2> Current Australian voluntary assisted dying laws <a href="https://www.unswlawjournal.unsw.edu.au/wp-content/uploads/2023/12/Issue-464-10-Waller-et-al.pdf">exclude access</a> for people who seek to qualify because they have dementia. In New South Wales, the <a href="https://legislation.nsw.gov.au/view/html/inforce/current/act-2022-017">law specifically states</a> this. In the other states, this occurs through a <a href="https://www.unswlawjournal.unsw.edu.au/wp-content/uploads/2022/04/Issue-451-White-et-al.pdf">combination of the eligibility criteria</a>: a person whose dementia is so advanced that they are likely to die within the 12 month timeframe would be highly unlikely to retain the necessary decision-making capacity to request voluntary assisted dying. This does not mean people who have dementia cannot access voluntary assisted dying if they also have a terminal illness. For example, a person who retains decision-making capacity in the early stages of Alzheimer’s disease with terminal cancer may access voluntary assisted dying. <h2>What happens internationally?</h2> Voluntary assisted dying laws in some other countries allow access for people living with dementia. One mechanism, used in the Netherlands, is through <a href="https://agsjournals.onlinelibrary.wiley.com/doi/full/10.1111/jgs.16692">advance directives or advance requests</a>. This means a person can specify in advance the conditions under which they would want to have voluntary assisted dying when they no longer have decision-making capacity. This approach depends on the person’s family identifying when those conditions have been satisfied, generally in consultation with the person’s doctor. Another approach to accessing voluntary assisted dying is to allow a person with dementia to choose to access it while they still have capacity. This involves regularly assessing capacity so that just before the person is predicted to lose the ability to make a decision about voluntary assisted dying, they can seek assistance to die. In Canada, this has been referred to as the “<a href="https://www.unswlawjournal.unsw.edu.au/wp-content/uploads/2022/04/Issue-451-White-et-al.pdf">ten minutes to midnight</a>” approach. <h2>But these approaches have challenges</h2> International experience reveals these approaches have limitations. For advance directives, it can be difficult to specify the conditions for activating the advance directive accurately. It also requires a family member to initiate this with the doctor. Evidence also shows doctors are <a href="https://link.springer.com/article/10.1186/1472-6939-16-7">reluctant</a> to act on advance directives. Particularly challenging are <a href="https://bmcmedethics.biomedcentral.com/articles/10.1186/s12910-019-0401-y">scenarios</a> where a person with dementia who requested voluntary assisted dying in an advance directive later appears happy and content, or no longer expresses a desire to access voluntary assisted dying. Allowing access for people with dementia who retain decision-making capacity also has practical problems. Despite regular assessments, a person may lose capacity in between them, meaning they miss the window before midnight to choose voluntary assisted dying. These capacity assessments can also be very complex. Also, under this approach, a person is required to make such a decision at an early stage in their illness and may lose years of otherwise enjoyable life. Some also argue that regardless of the approach taken, allowing access to voluntary assisted dying would involve unacceptable risks to a vulnerable group. <h2>More thought is needed before changing our laws</h2> There is <a href="https://www.parliament.qld.gov.au/Documents/TableOffice/TabledPapers/2020/5620T490.pdf">public demand</a> to allow access to voluntary assisted dying for dementia in Australia. The mandatory reviews of voluntary assisted dying legislation <a href="https://www.publish.csiro.au/ah/pdf/AH23005">present an opportunity</a> to consider such reform. These reviews generally happen after three to five years, and in some states they will occur regularly. The scope of these reviews can vary and sometimes governments may not wish to consider changes to the legislation. But the Queensland review “<a href="https://www.legislation.qld.gov.au/view/pdf/asmade/act-2021-017">must include a review of the eligibility criteria</a>”. And the ACT bill requires the review to <a href="https://www.legislation.act.gov.au/b/db_68609/">consider</a> “advanced care planning”. Both reviews would require consideration of who is able to access voluntary assisted dying, which opens the door for people living with dementia. This is particularly so for the ACT review, as advance care planning means allowing people to request voluntary assisted dying in the future when they have lost capacity. This is a complex issue, and more thinking is needed about whether this public desire for voluntary assisted dying for dementia should be implemented. And, if so, how the practice could occur safely, and in a way that is acceptable to the health professionals who will be asked to provide it. This will require a careful review of existing international models and their practical implementation as well as what would be feasible and appropriate in Australia. Any future law reform should be <a href="https://www.publish.csiro.au/AH/AH19201">evidence-based</a> and draw on the views of people living with dementia, their family caregivers, and the health professionals who would be relied on to support these decisions.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/224075/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/ben-white-15387">Ben White</a>, Professor of End-of-Life Law and Regulation, Australian Centre for Health Law Research, <a href="https://theconversation.com/institutions/queensland-university-of-technology-847">Queensland University of Technology</a>; <a href="https://theconversation.com/profiles/casey-haining-1486290">Casey Haining</a>, Research Fellow, Australian Centre for Health Law Research, <a href="https://theconversation.com/institutions/queensland-university-of-technology-847">Queensland University of Technology</a>; <a href="https://theconversation.com/profiles/lindy-willmott-15386">Lindy Willmott</a>, Professor of Law, Australian Centre for Health Law Research, Queensland University of Technology, <a href="https://theconversation.com/institutions/queensland-university-of-technology-847">Queensland University of Technology</a>, and <a href="https://theconversation.com/profiles/rachel-feeney-140352">Rachel Feeney</a>, Postdoctoral research fellow, <a href="https://theconversation.com/institutions/queensland-university-of-technology-847">Queensland University of Technology</a> Image credits: Getty Images This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/people-with-dementia-arent-currently-eligible-for-voluntary-assisted-dying-should-they-be-224075">original article</a>. </div>

Caring

Millions of eligible Aussies about to receive financial boost

Starting this Wednesday, millions of Australians relying on Centrelink benefits will see a welcome increase in their payments. With indexation kicking in, fortnightly boosts ranging from $14 to $30 will be allocated to eligible recipients, depending on their specific circumstances and the type of payment they receive. This adjustment will not only benefit current beneficiaries but also extend support to more individuals, with an additional 77,000 parents now qualifying for higher payment rates. The eligibility criteria for certain payments have been expanded, particularly for parents whose youngest child is under 14, a significant extension from the previous threshold of under eight. Income and assets limits tied to these payments will also experience an uptick in line with the indexation process, offering further relief to recipients. But how exactly will these increments manifest across different categories of payments? For single parents, the fortnightly payment will see a boost of $17.50, while partnered parents will witness an increase of $12.30 individually. Moreover, the income free area will rise to $1,345 for each person, an enhancement of $20 per fortnight. Jobseekers with children or those aged over 55 will receive an additional $14.40 fortnightly. Single JobSeeker recipients without children and individuals aged over 22 on ABSTUDY will enjoy a $13.50 increase per fortnight, with couples receiving an extra $12.30 each. Rent assistance, however, will see relatively modest increments, ranging from $2.27 to $3.40, depending on the recipient's family situation. For those on the age pension, disability support pension, and carer payment, the increase is more substantial, with singles receiving an extra $19.60 and couples combined receiving $29.40 each fortnight. This brings the maximum rate of the pension to $1116.30 for singles and $1682.80 for couples, including pension and energy supplements. Amanda Rishworth, the Social Services Minister, explains that indexation plays a crucial role in ensuring that welfare recipients can cope with inflation and the rising cost of living – and that addressing these pressures remains a top priority for the government. This increase in Centrelink payments comes at a critical time when many Australians are grappling with economic uncertainty due to various factors, including the ongoing pandemic. While these adjustments may seem modest to some, they can make a significant difference for those relying on welfare support to make ends meet. It's essential for eligible individuals to stay informed about these changes and ensure they receive the full benefits they're entitled to. For those who may be unsure about their eligibility or how to navigate the system, seeking assistance from Centrelink or relevant support services can provide valuable guidance. As the cost of living continues to evolve, initiatives like indexation serve as vital mechanisms for maintaining the welfare safety net and supporting vulnerable members of society. By keeping pace with economic realities, these adjustments strive to provide meaningful relief to those who need it most, contributing to a more equitable and inclusive society for all Australians. Image: Getty

Money & Banking

COVID wave: what’s the latest on antiviral drugs, and who is eligible in Australia?

<a href="https://theconversation.com/profiles/jessica-pace-1401278">Jessica Pace</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a> and <a href="https://theconversation.com/profiles/nial-wheate-96839">Nial Wheate</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a> Australia is experiencing a <a href="https://theconversation.com/were-in-a-new-covid-wave-what-can-we-expect-this-time-216820">fresh wave of COVID</a>, seeing increasing cases, more hospitalisations and a greater number of prescriptions for COVID antivirals dispensed over recent months. In the early days of the pandemic, the only medicines available were those that treated the symptoms of the virus. These included steroids and analgesics such as paracetamol and ibuprofen to treat pain and fever. We now have two drugs called <a href="https://www.health.wa.gov.au/%7E/media/Corp/Documents/Health-for/Infectious-disease/COVID19/Treatment/COVID19-PAXLOVID-Patient-information.pdf">Paxlovid</a> and <a href="https://www.sahealth.sa.gov.au/wps/wcm/connect/abefa4a4-ecaa-4c26-8713-d80c90388545/COVID-19+Treatment+Fact+Sheet+-+Molnupiravir+-+Prescribers+20220428.pdf?MOD=AJPERES&CACHEID=ROOTWORKSPACE-abefa4a4-ecaa-4c26-8713-d80c90388545-oIRWpvB">Lagevrio</a> that treat the virus itself. But are these drugs effective against current variants? And who is eligible to receive them? Here’s what to know about COVID antivirals as we navigate this <a href="https://www.smh.com.au/national/a-slightly-more-dangerous-place-australia-is-in-its-eighth-covid-wave-20231030-p5eg5k.html">eighth COVID wave</a>. <h2>What antivirals are available?</h2> <a href="https://www.tga.gov.au/resources/artg/389801">Paxlovid</a> is a combination of two different drug molecules, nirmatrelvir and ritonavir. The nirmatrelvir works by blocking an enzyme called a protease that the virus needs to replicate. The ritonavir is included in the medicine to protect the nirmatrelvir, stopping the body from breaking it down. Molnupiravir, marketed as <a href="https://www.tga.gov.au/resources/artg/372650">Lagevrio</a>, works by forcing errors into the RNA of SARS-CoV-2 (the virus that causes COVID) as it replicates. As these errors build up, the virus becomes less effective. This year in Australia, the <a href="https://theconversation.com/were-in-a-new-covid-wave-what-can-we-expect-this-time-216820">XBB COVID strains</a> have dominated, and acquired a couple of key mutations. When COVID mutates into new variants, it doesn’t affect the ability of either Paxlovid or Lagevrio to work because the parts of the virus that change from the mutations aren’t those targeted by these two drugs. This is different to the <a href="https://app.magicapp.org/#/guideline/L4Q5An/section/E8kMVn">monoclonal antibody-based medicines</a> that were developed against specific strains of the virus. These drugs are not thought to be effective for any variant of the virus <a href="https://www.who.int/activities/tracking-SARS-CoV-2-variants">from omicron XBB.1.5 onwards</a>, which includes the current wave. This is because these drugs recognise certain proteins expressed on the surface of SARS-CoV-2, which have changed over time. <h2>What does the evidence say?</h2> As Lagevrio and Paxlovid are relatively new medicines, we’re still learning how well they work and which patients should use them. The latest <a href="https://app.magicapp.org/#/guideline/L4Q5An/section/L0OPkj">evidence</a> suggests Paxlovid decreases the risk of hospitalisation if taken early by those at <a href="https://www.nsw.gov.au/covid-19/testing-managing/antivirals">highest risk of severe disease</a>. Results from <a href="https://www.nejm.org/doi/10.1056/NEJMoa2116044">a previous trial</a> suggested Lagevrio might reduce COVID deaths. But a more recent, <a href="https://papers.ssrn.com/sol3/papers.cfm?abstract_id=4237902">larger trial</a> indicated Lagevrio doesn’t significantly reduce hospitalisations or deaths from the virus. However, few people at highest risk from COVID were included in this trial. So it could offer some benefit for patients in this group. In Australia, Lagevrio is not routinely <a href="https://app.magicapp.org/#/guideline/L4Q5An/section/L0OPkj">recommended</a> and Paxlovid is preferred. However, not all patients can take Paxlovid. For example, people with medical conditions such as <a href="https://www.paxlovidhcp.com/moderate-renal-impairment">severe kidney or liver impairment</a> shouldn’t take it because these issues can affect how well the body metabolises the medication, which increases the risk of side effects. Paxlovid also can’t be taken alongside some <a href="https://www.cec.health.nsw.gov.au/__data/assets/pdf_file/0020/702821/Information-for-patients-family-and-carers-nirmatrelvir-and-ritonavir.PDF">other medications</a> such as those for certain heart conditions, mental health conditions and cancers. For high-risk patients in these cases, Lagevrio can be considered. Some people who take COVID antivirals will experience side effects. Mostly these are not serious and will go away with time. Both <a href="https://www.cec.health.nsw.gov.au/__data/assets/pdf_file/0020/702821/Information-for-patients-family-and-carers-nirmatrelvir-and-ritonavir.PDF">Paxlovid</a> and <a href="https://www.cec.health.nsw.gov.au/__data/assets/pdf_file/0008/702818/Information-for-patients-family-and-carers-molnupiravir.PDF">Lagevrio</a> can cause diarrhoea, nausea and dizziness. Paxlovid can also cause side effects including muscle aches and weakness, changes in taste, loss of appetite and abdominal pain. If you experience any of these, you should contact your doctor. More serious side effects of both medicines are allergic reactions, such as shortness of breath, swelling of the face, lips or tongue and a severe rash, itching or hives. If you experience any of these, call 000 immediately or go straight to the nearest emergency department. <h2>Be prepared</h2> Most people will be able to manage COVID safely at home without needing antivirals. However, those at higher risk of severe COVID and therefore <a href="https://www.nsw.gov.au/covid-19/testing-managing/antivirals#:%7E:text=Both%20are%20available%20in%20NSW,Lagevrio%C2%AE%20(molnupiravir)launch.">eligible for antivirals</a> should seek them. This includes people aged 70 or older, people aged 50 or older or Aboriginal people aged 30 or older with one additional risk factor for severe illness, and people 18 or older who are immunocompromised. If you are in any of these groups, it’s important you <a href="https://www.health.nsw.gov.au/Infectious/covid-19/Documents/translated/plan-ahead-covid-flu-english.pdf">plan ahead</a>. Speak to your health-care team now so you know what to do if you get COVID symptoms. If needed, this will ensure you can start treatment as soon as possible. It’s important antivirals are started within <a href="https://www.nsw.gov.au/covid-19/testing-managing/antivirals#:%7E:text=Both%20are%20available%20in%20NSW,Lagevrio%C2%AE%20(molnupiravir)launch.">five days of symptom onset</a>. If you’re a high-risk patient and you test positive, contact your doctor straight away. If you are eligible for antivirals, your doctor will organise a prescription (either an electronic or paper script). These medicines are available under the Pharmaceutical Benefits Scheme (PBS) and subsidised for people with a Medicare card. The cost for each course is the standard <a href="https://www.pbs.gov.au/info/about-the-pbs#:%7E:text=Patient%20co%2Dpayments,you%20have%20a%20concession%20card.">PBS co-payment</a> amount: A$30 for general patients and A$7.30 for people with a concession card. So you can rest and reduce the risk of spreading the virus to others, ask your pharmacy to deliver the medication to your home, or ask someone to collect it for you.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/218423/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/jessica-pace-1401278">Jessica Pace</a>, Associate Lecturer, Sydney Pharmacy School, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a> and <a href="https://theconversation.com/profiles/nial-wheate-96839">Nial Wheate</a>, Associate Professor of the School of Pharmacy, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a> Image credits: Getty Images This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/covid-wave-whats-the-latest-on-antiviral-drugs-and-who-is-eligible-in-australia-218423">original article</a>.

Body

Popular Bachelor couple share joyous news after heartbreak

Locky Gilbert and Irena Srbinovska, the beloved Bachelor couple, are back in the spotlight with some major news, less than a year after their surprise wedding. The reality TV stars, whose love story began on Ten's matchmaking series in 2020, took to Instagram to share a heartwarming announcement – they are expecting a baby. In a touching video clip, Locky, at the age of 30, stands on a picturesque beach, donned in all-white attire. He steps aside, revealing his wife Irena, who is proudly showcasing her baby bump in a colour-coordinated bikini. The couple shares a sweet embrace, sealing the moment with kisses, all set to the backdrop of Guns N' Roses' iconic rock anthem, "Sweet Child O' Mine." <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/reel/CxZOf_fP-xa/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/reel/CxZOf_fP-xa/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Irena Gilbert 🌹 (@irena_srbinovska)</a> </div> </blockquote> In her caption, Irena expressed their excitement, saying, "2023 has been a year of surprises, and now Locky and I are thrilled to share the biggest surprise of our lives – anticipating a new member in our family." She also showed empathy for those grappling with fertility challenges or loss, drawing from their personal experiences. "Having navigated the rollercoaster of emotions ourselves, we extend our hands and hearts to those on a similar path. In the midst of life's storms, may you find your rainbow soon. Due early 2024." This joyous revelation follows Locky and Irena's intimate wedding ceremony in Melbourne earlier this year, which took everyone by surprise. The couple has been candid about their fertility struggles, revealing that they endured two heartbreaking miscarriages over a span of two years. Irena shared, "During our first few months together, I, unfortunately, suffered a miscarriage. But Locky was my absolute rock, and having his support made me love him even more." Locky, who expressed his excitement about becoming a father shortly after their wedding in March, shared his vision for their future family adventures. "I'm super excited to become a dad, but also scared," he admitted. "I can't wait for us to do all the family stuff, and from day one, our child will be strapped to a baby carrier, and we'll be out hiking and camping. That's the plan, anyway!" Images: Instagram

Family & Pets

The Bachelor stars' joyful baby news

The Bachelor stars Anna Heinrich and Tim Robards have officially announced that they are having another baby! The couple took to Instagram to announce the happy news, in two separate posts. Anna first posted a picture of her looking stunning as she showed off her growing bump, with Tim and their firstborn daughter Elle by her side. "BABY NO.2 Due early 2024," she captioned the photo. The couple then shared an adorable Instagram Reel of their daughter Elle walking around with a balloon under her shirt saying "my mummy [is] going to get a baby too.” The caption read “Turns out Elle was right. Bringing another rascal into the world 2024.” Fellow celebrities and fans were delighted at the news, taking to comments to share their joy. <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/reel/CxRISNBBM7R/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/reel/CxRISNBBM7R/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by ❤️ANNA ROBARDS❤️ (@annaheinrich1)</a> </div> </blockquote> "Yay!!! Congratulations beautiful humans," wrote Sam Frost, season two winner of The Bachelor Australia. "Congratulations beautiful. This is the most wonderful news," commented Lisa Wipfil. "Congratulations & oh Miss Elle you are the sweetest 💖" wrote one fan. "😂 best announcement video ever. Congratulations my love x," added another. Anna, the winner of the first season of The Bachelor Australia, and Tim have been inseparable since their televised romance in 2013. The lovebirds tied the knot in 2018 in a beautiful ceremony in Italy, before welcoming their first child in 2020. Anna and Tim have reportedly been very open about expanding their family, with Anna previously telling Who Magazine “we have always wanted more than one." “I’ve grown up with two sisters, Tim’s got a brother and a sister, and I’ve always loved having siblings. So, hopefully one day in the future we can give Elle a brother or a sister," she said. Images: Instagram

Family & Pets

The Bachelor star's stunning regional wedding

The Bachelor's Cass Wood has officially tied the knot with her longtime fiancé Tyson Davis in a beautiful outdoor wedding at Sea Cliffe house in Gerringong. The reality star, who featured in season six of The Bachelor alongside Nick Cummins, took to Instagram to share the stunning photos of the ceremony. "Mr & Mrs Davis - 02.09.23," she captioned the series of photos. In one photo, Cass was glowing with happiness as she looked lovingly at the groom, moments before they shared their vows. The beautiful bride donned an off-the-shoulder gown embellished with crystal jewels and floral detailing that looked straight out of a fairytale. She complimented the look with a simple veil and a natural glam make-up look with her long blonde hair in loose waves. The dashing groom rocked a black velvet tuxedo jacket and bow-tie. <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/reel/CwuSSb2P_nj/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/reel/CwuSSb2P_nj/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Cassandra Wood 🌹 (@casswood)</a> </div> </blockquote> The bride could not hide her tears of joy when she first spotted her equally smitten groom as she walked down the aisle. They also shared a few pictures of them sharing a kiss and pouring the drinks on the champagne tower. The pair also treated their guests to an oyster bar at the reception. The newlyweds were flooded with an outpouring of love from friends fans in their comments. "Congratulations beautiful," Bachelor star, Alex Nation, wrote. "Oh my goodness a real life fairytale!! Congratulations gorgeous girl ❤️" commented one fan. "Congratulations ❤️ you look like a princess," wrote another. "Absolutely stunning. The love for each other is evident," commented a third. Bachelor stars' Brittany Hockley and Natalie Roser, also shared their well wishes to the couple. "Congratulations you two, absolute angel," Brittany wrote. "Congratulations beauty. Looks so so perfect," added Natalie. The couple officially got engaged on Christmas Eve last December, after rekindling their romance in 2019 after Cass returned from filming in Fiji. Images: Instagram

Relationships

Workers eligible for $10,000 salary bump in federal budget revealed

Treasure Jim Chalmers has revealed the frontline workers who will receive a hefty pay rise in the federal budget to help with the cost of living pressures and improve equal pay for women. Some frontline workers will see a pay rise of $10,000 a year under the historic changes. It is part of the biggest pay rise to date for aged care workers that will distribute pay rises to 250,000 people working on the frontline to care for older Australians. Those eligible include nurses who could receive an extra $200 a week, enrolled nurses, assistants in nursing, personal care workers, head chefs and cooks, recreational activities officers (lifestyle workers) and home care workers. Under the changes, the following will secure a significant pay rise for working in aged care. <ul> <li>A registered nurse on a level 2.3 aware wage will receive an additional $196.08 a week (more than $10,000 a year)</li> <li>An enrolled nurse on a level 2 award age will receive an additional $145.54 a week (more than $7500 a year)</li> <li>An assistant in nursing on a level 3 award wage will receive an additional $136.68 a week (more than $7100 a year)</li> <li>A personal care worker on a level 4 (aged care award) or a home care worker on a level 3.1 (SCHADS award) will receive an additional $141.10 a week (more than $7300 a year)</li> <li>A recreational activity officer on a level 3 (aged care award) will receive an additional $139.54 a week (more than $7200 a year)</li> <li>A head chef/cook on a level 4 (aged care award) will receive an additional $141.12 a week (more than $7300 a year)</li> <li> A staff member with a Certificate III qualification will see a change from $940 per week to $1,082</li> </ul> Treasurer Jim Chalmers said it was hoped the investment would help the industry retain staff and lure new employees to the sector. “Every worker deserves a fair day’s pay for a fair day’s work and that’s what this will deliver for thousands in aged care across the country,’’ he said. “For too long, those working in aged care have been asked to work harder for longer without enough reward but with this Budget, that changes. “This investment recognises the incredible contribution that aged care workers make to our economy and community and will help to create a bigger incentive for young Australians looking for a rewarding career to pick aged care in the future.” Anika Wells, Minister for Aged Care, said the increase in pay reflected that aged care was physically and emotionally demanding work. The 15 per cent pay rise means that a staff member with a Certificate III qualification moves from earning only $940 per week to $1,082. “This record $11.3 billion investment is a historic and deserved pay rise for a workforce undervalued for far too long,’’ she said. “Fair wages play a major role in attracting and retaining workers to provide around the clock care for some of Australia’s most vulnerable people. Health and Aged Care Minister Mark Butler said the pay rise would make history. The wage increase is designed to help women and families struggling with the cost of living crisis and ensure that quality aged care workers are less inclined to consider leaving the sector over pay concerns. “Our commitment is long overdue recognition of the skilled work our aged care workers deliver day in, day out,’’ he said. Other workers in the budget are expected to include older Australians who are seeking employment and they will receive pay rises if they are over 60 but not yet eligible for the aged pension. The Albanese Government are also expected to boost payments for single parents after former Prime Minister Julia Gillard introduced changes to force parents - particularly women - to return to work earlier. Image credit: Getty

Money & Banking

Millions of Aussies to be eligible for half-price medicines

Massive changes are underway for millions of Aussies as the federal government is moving to cut the cost of prescription medicine. Health minister Mark Butler announced that patients will be able to double the number of scripts they can receive, from one month’s supply to two months. From September 1, general patients will be able to save up to $180 a year if their medicine can be prescribed for 2 months, concession card holders will save up to $43.80 per year on medicine. Under the reform, which is to be included in May’s budget, 320 different medicines treating chronic conditions such as cholesterol, heart disease and hypertension will be dispensed in 60-day doses rather than the current 30. They will still be subject to the current price caps, so instead of paying a maximum of $30 for a 30-day medicine supply, those affected will pay $40 at most for a 60-day supply. One of the ideas behind it is that Aussies won’t have to visit a doctor or pharmacist as often. The federal government said the change will bring Australia into line with other countries, including New Zealand and the UK, where patients already have access to multiple month medicines on a single prescription. "Every year, nearly a million Australians are forced to delay or go without a medicine that their doctor has told them is necessary for their health. "This cheaper medicines policy is safe, good for Australians' hip pockets and most importantly good for their health.” The overhaul of prescriptions has long been supported by the Australian Medical Association and was recommended by the indecent Pharmaceutical Benefits Advisory Committee in 2018. However, pharmacists have opposed the reform, with Pharmacy Guild saying the change would cost community chemists $3.5billion. Pharmacy Guild of Australia president Trent Twomey said the change does little to acknowledge a massive shortage in medications. “I'm all for cost-of-living relief and a cost-of-living measure but this, unfortunately, is just smoke and mirrors,' he told ABC TV. “If you don't have the medicine in stock, how do you give double nothing? Double nothing is still nothing.” Instead, the federal government needed to boost local manufacturing of pharmaceuticals to fix the medicine shortage, Twomey said. Dr Nick Coatsworth also agreed that the new policy could lead to major medication shortages for patients across Australia. “The medication shortage issue is not made up. “This policy could lead to Australians turning up to pharmacies and being turned away for medications they've been on for five-to-10 years,” he told Today. “I'm actually worried about this, it looks good at face value but I knew a lot about supply chains in Covid and Australians probably aren't quite aware of how ropey those supply chains are. “If we start giving people 60 days of medications instead of 30, people will miss out.” Opposition leader Peter Dutton has supported the Pharmacy Guild’s stance in an online video. "Many, particularly older Australians, but families as well, really rely on the relationship with their local pharmacist," he said. "The government's proposal at the moment is going to make it harder for pharmacists to do that work and have that relationship with their patients.” Nationals leader David Littleproud said regional, remote and rural Australians risked being impacted by the changes. "Thousands of Australians who need medications could suffer as a consequence, because doubling scripts for some might mean others miss out," he said. However, the reform has been supported by the Australian Medical Association, a doctor’s body, with vice president Danielle McMullen welcoming the change. “At the time we're talking about so many cost-of-living pressures, this will really ease the burden on patients across Australia,” she told Sunrise. “There are some situations of shortages in medicines at the moment but there will be a staged approach to this announcement to ease the burden on the shortages.” Health Minister Mark Butler said the changes will be launched in three states, each introducing around 100 medications. The first stage will commence on September 1 2023, with the second on March 1 2024, and the final on September 1 2024. Butler said the new prescriptions will reduce how often those living in rural areas need to travel for treatment and shed light on the issue of Aussies delaying or going without medicines they need due to high costs. “Every year, nearly a million Australians are forced to delay or go without a medicine that their doctor has told them is necessary for their health,” he said. “This cheaper medicines policy is safe, good for Australians' hip pockets and most importantly good for their health.” Butler rejected the idea that the scheme will cause widespread shortages, noting only seven medications on the list are currently scarce. From September 1, 60-day scripts will be available for the six million people prescribed the eligible medications. Image credit: Shutterstock

Money & Banking

Inside Brad Pitt's cliffside bachelor pad

Brad Pitt has forked out a hefty $40 million for the historic D. L. James house, known as “Seaward”. The beautiful home is his latest purchase and overlooks California’s stunning central coast. Rich in history, the famed property was built in 1918 and is believed to be the most expensive property ever sold in the area of Carmel. Locals are reportedly thrilled to have another big-name celebrity joining them, especially after the iconic property has sat empty for years. Pitt is reportedly a big fan of Craftsman-style homes, which could be why he has purchased his latest bachelor pad. It is rumoured he could be joined by his brood of six children with ex-Angelina Jolie. Known as the D.L. James House, the property was designed by 20th century architect Charles Sumner Greene. It was designed on a piece of land owned by infamous author Daniel Lewis James. Previously, it was owned by Searock since 1999, a limited liability company tied to the late Chicago financier Joe Ritchie and his wife, Sharon Ritchie. The luxury property, which is just metres from the beach, boasts a ‘wooden aesthetic’ and is built from locally quarried sandstone and granite. It has arched windows, with bricks individually chosen by Charles Greene, and a tiled Mediterranean-style roof. According to the organisation’s website, as part of the design Mr. Greene “built up the outer walls so that they appear to be growing out of the cliffs.” The actor already has a $5million beach house in Goleta, California, which he purchased in 2000 when he married Jennifer Aniston. Carmel-by-the-Sea first became popular with the Hollywood elite when Clint Eastwood became the town’s mayor, in 1986, with the iconic actor still residing in the area. Images: Vertikoff Archive

Real Estate

"Australia's most eligible bachelor": Internet swoons over PM's son

On Saturday night, Anthony Albanese addressed the nation as the Labor party claimed their victory in the federal election. As the 31st Prime Minister stood on the stage, someone else stole the spotlight. Albo's son Nathan has sent the internet into a frenzy, as many commented on the 21-year-old's good looks. Anthony Albanese introduced his son to the crowd, while also acknowledging Nathan's mother, his ex-wife and former NSW Labor MP Carmel Tebbutt who was in attendance. "Nathan Albanese is a very good looking young man. And Mum Carmel is in the crowd and acknowledged! How lovely," a woman tweeted. "Nathan Albanese - Australia's most eligible bachelor," another said. One person said, "We will protect Nathan Albanese at all costs," while another honestly claimed, "Nathan Albanese can get it." Mr Albanese described Nathan as his 'good luck charm' earlier in the campaign, and paid tribute to his son and his mother in his victory speech. "To my proudest achievement, my son, Nathan. Thank you, mate, for your love and support," the new PM said. "Your mother, who's here tonight, Carmel, we are both so proud of the caring, wonderful, smart young man you have become." Following the victory speech, one man tweeted, 'Good old Nathan Albanese totally has the look of 'holy f**k my dad is the Prime Minister." Another praised the new PM, saying, "More than a tear. Albo also thanked Carmel Tebbut (Nathan's mother), his son Nathan and his partner Jodie Haydon. Says a lot about the man Albanese is." Image credits: Getty Images

Family & Pets

Muslim bachelor uses billboard ads to find a wife

Muhammad Malik has come up with a unique way to meet a potential partner. The London-based 29-year-old has plastered his face on billboards across England in an unorthodox bid to "save him from an arranged marriage". The series of billboards show the eligible bachelor laying on the ground with a link to his website, called <a rel="noopener" href="https://www.findmalikawife.com" target="_blank">findmalikawife.com</a>. His website gives potential suitors a look into his life, career, and special interests, as well as what he is looking for in a partner. In Mailk's words, he is looking for, "a Muslim woman in her 20s, who's striving to better her deen. I'm open to any ethnicity but I've got a loud Punjabi family - so you'd need to keep with the bants." "Always personality and faith over anything else!" The free-spirited Malik insists he isn't against arranged marriages, but he "just wanted to try and find someone on my own first." Speaking to BBC's Asian Network, Malik said he became tired of using dating apps, saying they lack a real connection. "It takes a lot of energy swiping left and right, and you almost become immune or this robot," he said. "There's that lack of ethereal human connection when we're talking about the online space." When asked why he went to such extreme lengths with the billboards, he said, "Probably because of my personality." "I'm a creative and I love doing the most random and absurd things - as long as they are 100 per cent halal of course." "Traditional methods such as 'rishta aunties' didn't work for me so thought why not take it to the billboards." Since the billboards have been up since New Years Day, Malik said he has got hundreds of responses, and has enlisted the help of his friends to go through the potential partners. He said, "It's early days but responses thus far have been in the triple digits and from some really lovely people - keep them coming. I'm hoping to get in touch with women I like soon." Image credits: Twitter @findmailkawife

Relationships

Bachelor Jimmy Nicholson meets ‘celebrity crush’ Carrie Bickmore

Before the premiere of the latest season of The Bachelor on Wednesday night, Bachelor Jimmy Nicholson’s appearance on The Project led to a meeting with his ‘celebrity crush’, Carrie Bickmore. After Jimmy joined the show, Peter Helliar asked him how meeting 24 women on The Bachelor compared to meeting his “No. 1 celebrity crush Carrie Bickmore”? “Hi, Jimmy,” Jimmy said awkwardly. “Oh the chemistry! Where are the roses?” Pete joked. “I tried to get the roses delivered but they couldn’t make it happen,” Jimmy laughed. “You obviously have a girlfriend now and Carrie, are you in a long-term relationship…” Peter added, with Carrie cutting him, asking, “What are you suggesting?” “A double date!” Pete said. “That is weird, Pete,” Carrie added, quickly changing the subject. “You say your parents are still in love to this day. Is that what made you want to go on the show?” she asked Jimmy. “Yes, my parents have been married for over 40 years, when the opportunity presented itself, I thought this is the real deal. They get great girls on this show and they source them from all around Australia,” he said. “I want what my parents have. As you can see in the snippets, it is really nice and I think I have found her.” Things took an even more awkward turn towards the end of the interview, with Carrie saying, “They left the last question for me to ask about the Mile High Club, which was really weird.” “I would never expect that from you, Carrie,” Jimmy added. His crush on Bickmore was revealed last week, while Jimmy was chatting to news.com.au and asked a series of rapid-fire questions. When asked about who his celebrity crush was, he quickly replied with, “Carrie Bickmore”. “I just think she looks like a really nice person and she’s very beautiful. She’s wife material.” The segment in question was aired on The Project shortly after the interview, resulting in the Project co-hosts teasing Bickmore about Jimmy’s confession. “Are you entering The Bachelor, the competition?” Pete asked. “No!” Carrie replied. Kate Longbroek said, “he got really properly crushy”, while Waleed Aly queried: “Is it a strange thing to say when you are about to date 20 women at once?” Jimmy has since revealed he has found love and is off the market. “I have found love. I’m really, really happy,” he said. “She’s amazing. We chat multiple times a day, a lot of Facetime at the moment, and I’m really happy, so it’s good.” Image: Channel 10

Beauty & Style

Cash handout: Thousands of Aussies urged to check eligibility for $500 boost

Tens of thousands of Australians may not be aware they are eligible for an extra $500 from the federal government. The new plan offers handouts for aged and disability pensioners, veterans, people on carer payments and family tax benefit recipients as part of the 2020-21 budget. Commonwealth Seniors Health Card (CSHC) and pensioner concession cardholders will also be eligible for the cash. Recipients will receive a $250 cash boost in December and another $250 in March 2021. National Seniors Australia has urged self-funded retirees to check their eligibility too. The group believe thousands of older Australians who are self-funded retirees may go without the cash boost, as they may be under the impression they don’t qualify for the CSHC. Changes to deeming rates used as part of the CSHC income test has improved eligibility for the card. This means there is also improved eligibility for budget stimulus payments. To qualify for the CSHC, an individual must have reached the pension age, meet an income test, not be receiving any payments from Veterans Affairs and be an Australian resident living in the country. To meet the income test, individuals or couples must earn below the following thresholds: <ul> <li>$55,808 for singles</li> <li>$89,290 for couples</li> <li>$111,616 for couples who are separated by illness, respite care or prison.</li> </ul> “Self-funded retirees who are among the hardest hit by the COVID Financial Crisis (CFC) could really do with some extra cash in their pockets going into Christmas,” National Seniors Chief Advocate Ian Henschke said. Australians have until November 27 to be eligible and receive the first $250 payment. Those eligible are strongly advised to make sure their details are up to date on MyGov before the payments start flowing through.

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