Source: http://clik.dva.gov.au/compensation-and-support-policy-library/part-5-income-support-allowances-and-benefits/54-pension-loans-scheme/541-overview-pension-loans-scheme
Timestamp: 2017-06-25 05:26:56
Document Index: 185104260

Matched Legal Cases: ['art 5', 'art 5', 'art 1', 'art 2', 'art 3', 'art 4', 'art 5', 'art 6', 'arts6', 'art 7', 'art 8', 'art 9', 'art 10', 'art 11', 'art 12', 'art 13', 'art 13', 'art 14', 'art-5']

5.4.1 Overview of Pension Loans Scheme | Compensation and Support Policy Library, Part 5 Income Support Allowances and Benefits, 5.4 Pension Loans Scheme
You are hereHomeCompensation and Support Policy LibraryPart 5 Income Support Allowances and Benefits5.4 Pension Loans Scheme5.4.1 Overview of Pension Loans Scheme 5.4.1 Overview of Pension Loans Scheme
Last amended: 18 October 2002
The pension loans scheme is a scheme under which a person can receive a pension top-up in the form of a loan. Certain non-pensioners can also receive a payment. This allows people who have assets in the form of Australian real estate, but insufficient income to properly support themselves, to draw on the value of these assets and be paid an equivalent of the income support they would have otherwise received.
Who is eligible to participate in the scheme
Pensioners (excluding maximum rate pensioners) who are receiving service pension, partner service pension or income support supplement are eligible to participate in the pension loans scheme.
Persons with basic eligibility for service pension, partner service pension or income support supplement and who can satisfy either a separately assessed:
income test, or
can also participate in the scheme. More ?
Section 5.4.2 Eligibility Criteria for Pension Loans Scheme
All participants in the scheme need to apply using the Pension Loans Scheme application form. An interview is conduced in all cases to ensure issues associated with participation in the scheme are fully covered. More ?
Section 5.4.3 Administration of Pension Loans Scheme
Payment of Pension Loans Scheme
This section explains how the amount of the pension loan is calculated, how it is to be paid to the debtor (pensioner), the applicable interest rate and how it is to be managed including the taking of a statutory charge as a security. More ?
Section 5.4.4 Payment of Pension Loans Scheme
Review of Pension Loans Scheme
Specific changes in personal or financial circumstances may require a full review of the loan or a recalculation of the amount of loan payments. More ?
Section 5.4.5 Review of Pension Loans Scheme
Recovery of loan debt
A debt under pension loans scheme is not usually recovered until after the death of the pensioner, however the Repatriation Commission may require a loan to be repaid before death in certain circumstances. More ?
Section 5.4.6 Recovery of Pensions Loans Scheme
Part 1 Service Requirements1.1 Veterans1.1.1 Who is a VeteranDefinition of a VeteranWho Does the Definition Include?Service with the Australian Defence ForceDuntroon Cadets and RAN Midshipmen1.1.2 CiviliansEligible Civilians - World War 2Civilians on Special Missions - World War 1 and World War 2Civilians Deemed to be Full-time Members of the Defence Force1.1.3 Commonwealth and Allied VeteransMembers of Defence Forces Established by Commonwealth or Allied CountriesWhere must Commonwealth and Allied Veterans have ServedAustralians who Served in Commonwealth or Allied ForcesMembers of Defence Forces Established by Governments in ExileMembers of Irregular Forces1.1.4 Merchant MarinersAustralian Merchant MarinersAllied Merchant Mariners1.1.5 Claimants not Eligible1.2 Service Types1.2.1 Qualifying ServiceIncurred DangerQualifying Service for VeteransQualifying Service for Commonwealth VeteransQualifying Service for Allied VeteransQualifying Service for Allied MarinersDeterminations of Warlike Service1.2.2 Service Requirements for Disability PensionEligible War ServiceOperational ServiceDeterminations of Non-Warlike ServicePeacekeeping ServiceHazardous ServiceDefence Service1.2.3 Requirement for Continuous Full-time ServiceRelevance and Meaning of Continuous Full-time ServiceWho Meets the Criteria for Continuous Full-time Service1.2.4 Requirement for Effective Full-time ServiceRelevance and Meaning of Effective Full-time ServicePeriods Not Counted Toward Effective Full-time ServiceExemption of National Servicemen from Effective Full-time Service RequirementDischarge Prior to Completion of Period of Effective Full-time Service1.2.5 Evidence of ServiceVeterans' Evidence of ServiceCommonwealth and Allied Veterans' Evidence of ServiceMerchant Mariners' Evidence of ServiceStatutory Declarations as Evidence of Service1.3 Service in World War 1 and World War 21.3.1 Service in World War 1World War 1 - Qualifying and Operational ServiceRoyal Australian Naval Brigade ServiceNorth Russia and Kurdistan Service after the Armistice1.3.2 Military Service in World War 2 - Outside Australia1.3.3 Military Service in World War 2 - Within AustraliaQualifying Service - Australian Coastal WatersQualifying Service - Northern TerritoryQualifying Service - Single Incidents1.3.4 Civilians in World War 21.4 Service Post World War 21.4.1 Post World War 2 OperationsInterim ForcesBomb and Mine ClearanceBritish Commonwealth Occupation ForcesService in the Korean WarService in the Malayan Emergency and Indonesian ConfrontationService in VietnamOther Post World War 2 Conflicts1.4.2 Peacekeeping Forces1.5 Periods of Conflicts and Operational Areas1.5.1 World War 1 and World War 2World War 1 - Periods and PlacesWorld War 2 - Periods and Places1.5.2 Post World War 2Korean Hostilities - Period and Operational AreaMalayan Emergency and Confrontation - Periods and Operational AreasVietnam Hostilities - Period and Operational AreasPersian Gulf War - Periods and Operational AreasNorth East Thailand (including Ubon) - Period and Operational AreaNamibia - Period and Operational AreaCambodia - Period and Operational AreasYugoslavia - Period and Operational AreaSomalia - Period and Operational AreaPart 2 Applying for a Pension2.1 Claims2.1.1 Overview of Claims2.1.2 Types of ClaimsWhat types of claims may be lodged?Qualifying Service ClaimsService Pension and Income Support Supplement ClaimsDisability Pension ClaimsApplications for Increase in Disability PensionWar Widow's/Widower's Pension and Orphan's Pension Claims2.1.3 Lodging or Withdrawing ClaimsLodgement of a ClaimWithdrawal of a claim2.1.4 Assessment of a ClaimInvestigation of a ClaimConsideration and Determination of a ClaimCentrelink Clearance2.1.5 Death or Imprisonment of a ClaimantDeath of a ClaimantImprisonment of a Claimant2.2 Proof of Identity2.2.1 Overview of Proof of IdentityHistorical Background to Proof of IdentityProof of Identity Overview2.2.2 Establishing Proof of Identity or Relationship to a VeteranEstablishing Proof of IdentitySatisfying Proof of Identity RequirementsProof of Identity Check - Income SupportProof of Identity Check - Compensation Claims under the VEA, SRCA and MRCAEstablishing Proof of Relationship to a Veteran2.2.3 Effect of Proof of Identity on Claim2.2.4 Proof of Identity DocumentationCategories of Proof of IdentityNon-Standard Proof of IdentityAcceptable Proof of Identity Documentation2.3 Standard and Onus of Proof2.3.1 Overview of Standards and Onus of Proof2.3.2 Standards of ProofTreatment of EvidenceMaking Decisions Under the VEAReasonable Satisfaction2.3.3 Onus of ProofGender X Policy2.4.2. Gender X POI requirements.Part 3 Income Support Eligibility3.1 Service Pension Eligibility3.1.1 Overview of Service Pension Eligibility3.1.2 Age Service Pension3.1.3 Invalidity Service Pension3.1.4 Partner Service PensionEligibility for Partner Service PensionAge Requirement for Partner Service PensionEligibility for partner service pension when separated from veteran3.2 Income Support Supplement (ISS) Eligibility3.2.1 Overview of Income Support Supplement (ISS)3.2.2 ISS Eligibility3.2.3 Invalidity ISS3.3 Service Pension and Income Support Supplement Payability3.3.1 Overview of Service Pension and Income Support Supplement Payability3.3.2 Payment of Service Pension and Income Support Supplement3.3.3 Compensation Affected Pension Payability3.4 Age3.4.1 Age Requirements3.4.2 Age Equalisation For FemalesImpact of EqualisationHow Equalisation WorksPension Age for Female Veterans and Qualifying Age for FemalesPension Age for Female Non-Veterans and for Tax Purposes3.5 Residency3.5.1 Australian ResidentsResiding in AustraliaAustralian CitizenPermanent and Temporary VisasSpecial Category VisaSpecial Purpose Visa3.5.2 Periods of ResidencyRequired Periods of ResidencyContinuous PeriodConcession to Continuous PeriodFurther Periods of Residence Required3.5.3 Persons not Residing in Australia3.5.4 DomicileRelevance of DomicileEstablishing Domicile3.6 Permanent Incapacity3.6.1 Overview of Permanent Incapacity3.6.2 Assessment of Permanent IncapacityAssessmentMedical Factors3.6.3 Persons Automatically Considered to be Permanently Incapacitated3.6.4 Assessment of Invalidity Service Pensioners Participating in Veterans' Vocational Rehabilitation Scheme (VVRS)3.7 Comparable Foreign Pension3.7.1 Overview of Comparable Foreign Pension3.7.2 Requirement to Claim a Comparable Foreign Pension (CFP)3.7.3 Fulfilment of Obligation to Take Reasonable Action3.7.4 Claiming a Foreign Pension3.7.5 Assessment of Comparable Foreign Pension Payments3.8 Restrictions on Dual Pensions3.9 Payment for Loss or Detriment3.9.1 Overview of Payment for Loss or Detriment3.9.2 Compensation for Detriment Caused by Administrative Error3.9.3 Act of Grace Payments3.10 Financial Hardship3.10.1 Overview of Financial Hardship3.10.2 Access to Financial Hardship RulesGeneral Criteria for Application of the Financial Hardship RulesEffect of Deprivation on Application of Financial Hardship Rules3.10.3 Lodging a Claim under Financial Hardship Provisions3.10.4 Unrealisable AssetsUnrealisable Assets - Unable or Unreasonable to SellUnrealisable Assets - Security for BorrowingUnrealisable Assets - Farm3.10.5 Severe Financial HardshipDetermining Severe Financial Hardship - Assets Tested Pension Plus IncomeDetermining Severe Financial Hardship - Readily Available FundsDetermining Severe Financial Hardship - Drawings from an Unincorporated BusinessDetermining Severe Financial Hardship - Unavoidable or Reasonable ExpenditureDifferentiating between Temporary and Long Term Severe Financial Hardship3.10.6 Rate Calculation under the Hardship Provisions3.10.7 Notional Annual Rate of Ordinary IncomeNotional annual rate of ordinary income - unrealisable assetsNotional Annual Rate of Ordinary Income - farms3.11 Lump Sum Advance3.11.1 Overview of Lump Sum Advance3.11.2 Lump Sum Advance Eligibility3.11.3 Payment of Lump Sum Advance3.11.4 Repayment of Lump Sum Advance3.11.5 Repayment of Lump Sum Advance - Hardship Assessment vs 13.11.6 Right of Review3.12 Crisis Payment3.12.1 Overview of Crisis Payment3.12.2 Eligibility for Crisis Payment3.12.3 Extreme Circumstances Causing Departure from the Home3.12.4 Domestic or Family Violence - Remaining in the Home3.12.5 Release from Lawful Custody3.12.6 Claim and Payment of a Crisis PaymentPart 4 Disability Compensation Eligibility4.1 Disability Pension Eligibility4.1.1 Overview of Disability Pension Eligibility4.1.2 Eligibility Requirements for Disability Pension4.1.3 General Rate Eligibility4.1.4 Extreme Disablement Adjustment Eligibility4.1.5 Intermediate Rate Eligibility4.1.6 Special Rate (T&PI or TTI) Eligibility4.1.7 Increased Rate of Disability Pension for Specific Disabilities - Eligibility4.1.8 Veterans' Vocational Rehabilitation Scheme (VVRS) Safety Net Provisions for certain Disability Pensions4.2 War Widow's/Widower's Pension Eligibility4.3 Orphan's Pension Eligibility4.4 Causal Connection of Injury or Disease with Service4.4.1 Overview of Causal Connection Injury or Disease with Service4.4.2 Relationship of Injury or Disease to Service4.4.3 Service Contributed to or Aggravated a Pre-existing Injury or Disease4.4.4 Sporting Injuries4.4.5 Travelling to and from Duty4.4.6 Injuries Occurring during Domestic Activities or Live-in Accommodation4.4.7 Injuries Resulting from Medical Treatment4.4.8 Attendance at Social Occasions4.4.9 Serious Default, Wilful Act, Breach of Discipline4.4.10 - Claims related to sexual and physical abuse4.5 Medical Connections to Service4.5.1 Overview of Medical Connections to Service4.5.2 What are Statements of Principles?4.5.3 How are Statements of Principles Made and Used?4.5.4 Investigation and Review of Statements of PrinciplesInvestigation and Review of Statements of Principles by the RMAReview of RMA Decisions on Statements of Principles by the SMRCPart 5 Income Support Allowances and Benefits5.1 Rent Assistance5.1.1 Overview of Rent Assistance5.1.2 Eligibility Criteria for Rent AssistanceRent Assistance EligibilityFamily Tax Benefit and Rent Assistance EligibilityGovernment Rent and Rent Assistance EligibilityProperty Owners and Rent Assistance Eligibility5.1.3 Payment of Rent AssistanceRent VerificationRent Assistance Rates and ThresholdsCalculating the Rate of Rent Assistance PayableDisability Income Rent Test5.2 Remote Area Allowance (RAA)5.2.1 Eligibility for Remote Area Allowance (RAA)5.2.2 Payment of RAA5.2.3 Determining if a Residence is a Remote Area5.2.4 Usual Place of Residence5.3 Education Entry Payment (EdEP)5.4 Pension Loans Scheme5.4.1 Overview of Pension Loans Scheme5.4.2 Eligibility Criteria for Pension Loans Scheme5.4.3 Administration of Pension Loans SchemeApplication for Pension Loans SchemeImpact of Pension Loans Scheme on Other Entitlements5.4.4 Payment of Pension Loans SchemeCalculation of Pension LoanManagement and Maintenance of Pension LoansSecurity for Pension Loans5.4.5 Review of Pension Loans Scheme5.4.6 Recovery of Pension Loans SchemeRecovery of Debt After Death of DebtorRecovery of Debt Prior to Death of Debtor5.5 Retirement Assistance for Farmers Scheme (RAFS)5.5.1 Overview of RAFS5.5.2 Eligibility Criteria for Participation in RAFS5.5.3 Requirements Applicable to Farm TransferCriteria Applicable to the Farm Transfer TransactionTransfer Requirements Where Property Owned by Company or TrustRequirement for Farmer to Divest all Farming InterestsRequirement for Transfer to Eligible Descendant5.5.4 Requirements Applicable to Farmer or Former PartnerFarmer Must be a Qualifying FarmerRequirement for Farmer to Hold Qualifying InterestRequirements Applicable to Widow/Widower or Former Partner5.5.5 Requirement for Active Involvement of Eligible DescendantsApplication of Requirement for Active InvolvementActive Involvement5.5.6 Claims for Participation in RAFSLodgement of a Pre-Assessment RequestLodgement of RAFS ClaimIdentifying Date of Transfer5.5.7 Valuation of Farm AssetsAssessment of Farm ValueRetaining a Life InterestApplication of Assets Limit5.5.8 The Farmers' Income TestApplication of the Farmers' Income TestAssessment of Non-Farm IncomeAssessment of Farm Income5.6 Pension Bonus Scheme5.6.1 Overview of the Pension Bonus Scheme5.6.2 Eligibility for Participation in the SchemeBasic Eligibility Requirements for Pension Bonus SchemeOther Eligibility Requirements5.6.3 Registration as a Member of the SchemeRequirements for RegistrationBackdating RegistrationRegistration Issues - DVA and CentrelinkRegistration of Members of a Couple5.6.4 Membership RequirementsWork Requirements of the Pension Bonus SchemeBonus PeriodRecord Keeping Requirements for Pension Bonus Scheme Members5.6.5 Types of MembershipAccruing MembershipNon-Accruing MembershipPost 70/75 MembershipCancellation of Membership5.6.6 Claiming a BonusRequirements for Making a ClaimLodgement Period for a Claim5.6.7 Calculating the Bonus5.6.8 Factors that Affect the Calculation of a BonusPension Deferred May Affect BonusChange of Marital Status During Qualifying PeriodNo change of Marital Status - Standard Formula Not ApplicableTop Up of the Pension Bonus5.6.9 Pension Bonus and Retirement Assistance for Farmers5.6.10 Death of a Member of the SchemeImpact on Claim and Payment of BonusPension Bonus Bereavement Payment5.6.11 Bonus Payable to a War Widow/Widower who has Deferred Age Pension5.6.12 Pension Bonus and Retirement Assistance for Sugarcane Farmers (RASF)5.7 Commonwealth Seniors Health Card (CSHC)5.7.1 CSHC Overview5.7.2 CSHC Eligibility5.7.3 CSHC Income Test5.7.4 Date of Effect for CSHC Determinations5.8 Fringe Benefits5.8.1 Overview of Fringe Benefits5.8.2 Pensioner Concession Card (PCC) and Associated BenefitsEligibility Requirements for a PCCBenefits Available to the Card HoldersEligible Children and PCCCustodial parents and PCC5.8.3 Transport Concession Card (TC1) and Associated Benefits5.9 Defence Force Income Support Allowance (DFISA)5.9.1 Overview of DFISA5.9.2 Administration of DFISADFISA PayabilityDVA and Centrelink ArrangementsSocial Security Payments Payable at Nil RateABSTUDY and DAFF Income Support Payments Reduced to Nil RateElecting Not to Receive DFISAPensioner Dissatisfied with DFISA Rate5.9.3 Calculation of DFISADFISA CalculationDFISA Calculation and Compensation Recovery RulesDFISA Calculation Examples5.9.4 DFISA Bonus5.9.5 Bereavement Payments and DFISA5.9.6 Other DFISA Impacts5.10 Retirement Assistance for Sugarcane Farmers Scheme (RASF)5.10.1 Overview of Retirement Assistance for Sugarcane Farmers Scheme (RASF)5.10.2 Eligibility Criteria for Participation in RASF5.10.3 Requirements Applicable to Sugarcane Farm TransferCriteria Applicable to the Sugarcane Farm Transfer TransactionTransfer Requirements where Property Owned by Company or TrustRequirement for Sugarcane Farmer to Divest all Sugarcane Farming InterestsRequirement for Transfer to Eligible Descendant5.10.4 Requirements Applicable to Sugarcane Farmer, Partner or Former PartnerSugarcane Farmer must be a Qualifying Sugarcane FarmerRequirement for Sugarcane Farmer to hold Eligible InterestRequirements Applicable to Widow/Widower or Former Partner5.10.5 Requirement for Active Involvement of Eligible DescendantsApplication of Requirement for Active InvolvementActive Involvement5.10.6 Claims for Participation in RASFLodgement of a Pre-Assessment RequestLodgement of RASF ClaimIdentifying Date of Transfer5.10.7 Valuation of Sugarcane Farm AssetsAssessment of Sugarcane Farm ValueRetaining a Life InterestApplication of Assets LimitNo Reduction in Value of Assets5.10.8 The Sugarcane Farmers' Income TestApplication of the Sugarcane Farmers' Income TestAssessment of Non-Sugarcane Farm IncomeAssessment of Sugarcane Farm Income5.11 Seniors Supplement (SSup)5.11.1 Eligibility for Seniors Supplement5.11.2 Payability of Seniors Supplement5.11.3 Rate of Seniors Supplement5.11.4 Administration of Seniors Supplement5.12 Pension Supplement (PSup)5.12.1 Overview of Pension Supplement5.12.2 Eligibility for Pension Supplement5.12.3 Payability of Pension Supplement 5.12.4 Administration of Pension SupplementPart 6 Veterans' Compensation Allowances and Benefits6.1 Veterans' Children Education Scheme (VCES)6.2 Attendant Allowance6.3 Temporary Incapacity Allowance6.4 Vehicle Assistance Scheme (VAS)6.4.1 Eligibility for the VAS6.4.2 Specific Conditions: Initial Vehicle Grants6.4.3 Specific Conditions: Replacement Vehicle Grants6.4.4 Specific Conditions: Driving Devices and Modifications Grant6.4.5 Specific Conditions: Running and Maintenance Allowance6.5 Recreation Transport Allowance6.6 Loss of Earnings Allowance6.7 Clothing Allowance6.8 Decoration and Victoria Cross Allowances6.9 GST Exemption on Motor Cars and Spare Parts6.10 Veterans Supplement6.10.1 Overview of Veterans Supplement6.10.2 Eligibility for Veterans SupplementEligibility Criteria for Veterans Supplement6.10.3 Payment of Veterans SupplementRules for Payment of Veterans SupplementRates of Veterans Supplement6.11 Special Assistance6.12 Prisoner of War Recognition SupplementPart 7 Common Allowances and Benefits7.1 Treatment at Departmental Expense7.1.1 Overview of Treatment at Departmental Expense7.1.2 DVA Health CardsDVA Health Card For All Conditions (Gold Card)DVA Health Card For Specific Conditions (White Card)7.1.3 Gold Card Eligibility Under The Income/Assets Reduction Limit7.1.4 Repatriation Pharmaceutical Benefits Card (Orange Card)7.2 Treatment under Non-Liability Health Care (NLHC) arrangements7.3 Treatment for Unidentifiable Conditions7.4 Clean Energy Payments7.4.1 Clean Energy AdvanceEligibility for Clean Energy AdvanceSpecial rules applying to some clean energy underlying payments and benefitsCalculation of Clean Energy AdvanceAmount and payment of Clean Energy AdvanceTop-up payments of Clean Energy Advance7.4.2 Energy SupplementEligibility for Energy SupplementSpecial rules applying to some underlying paymentsRate of Energy SupplementAdministration of Energy SupplementSpecial rules applying to CSHC holders7.5 Energy Assistance PaymentPart 8 Bereavement Assistance8.1 Income Support Bereavement Payment8.1.1 Overview of Income Support Bereavement Payment8.1.2 Administration of Bereavement PaymentPayments and Allowances IncludedTypes of Bereavement PaymentPartner Receiving Pension or Benefit from CentrelinkSurvivor Dies During Bereavement PeriodEffect of Suspension, Limitation or Cancellation of PensionDeath of Claimant or Child Before Claim DeterminedProcessing During the Bereavement PeriodAutomatic Grant of ISS During the Bereavement PeriodNon-automatic Grant of ISS During the Bereavement Period8.1.3 Single Pensioner Bereavement PaymentEligibility for Single Pensioner Bereavement PaymentPayment of Single Pensioner Bereavement Payment8.1.4 Partnered Pensioner Bereavement PaymentEligibility for Partnered Pensioner Bereavement PaymentPayment Arrangements for Partnered Pensioner Bereavement PaymentDeceased War Widow/Widower Receiving Service PensionDeceased War Widow/Widower Receiving Income Support SupplementSeparation Due to Ill Health or Respite Care8.1.5 Dependent Child Bereavement PaymentEligibility for Dependent Child Bereavement PaymentPayment Arrangements for Dependent Child Bereavement PaymentCalculating Amount of Dependent Child Bereavement Payment8.2 Disability Pension Bereavement Payment8.2.1 Overview of Disability Pension Bereavement Payment8.2.2 Eligibility for Disability Pension Bereavement Payment8.2.3 Calculation of Disability Pension Bereavement Payment8.2.4 Payment of Disability Pension Bereavement Payment8.3 Funeral Benefits8.3.1 Overview of Funeral Benefits8.3.2 Funeral Benefit for a Deceased VeteranAutomatic Funeral Benefit Grant for a Deceased VeteranOther Funeral Benefit Grant for a Deceased Veteran or Member8.3.3 Funeral Benefit for a Dependant of a Deceased Veteran or Member8.3.4 Application for a Funeral BenefitRequirements for Claiming a Funeral BenefitPrepaid Funeral Plan Versus Contributory Funeral Benefit Fund8.3.5 Indigent CircumstancesPart 9 Principles for Determining Pension Rate9.1 Income and Assets Test Principles9.1.1 Overview of Income and Assets Test Principles9.1.2 The Assessment ProcessAssessment Process for Service Pension Payable to Non-War Widow/Widower-PensionersService Pension Rate Calculation ProcessAssessment Process for Service Pension Payable to War Widow/Widower-PensionersAssessment Process for ISS9.1.3 The Income and Assets TestsThe Income and Assets Test - General ProvisionsThe Income TestThe Assets Test9.1.4 Application of the Assessed Rate of PensionAdjustments to an Assessed RateReductions or Increases in Rate of Service Pension or ISSDeductions from Pension Payments9.1.5 Order of Reduction9.2 Residential Situation9.2.1 Overview9.2.2 Basic Principles of AssessmentPrincipal HomeMarried Couples Living ApartHomeowner's Basic Assessment RulesNon-Homeowner's Basic Assessment RulesAmount of Rent Paid9.2.3 Additional Assessment Rules for Certain Types of ResidencesHouse and CurtilagePrivate Land Use TestExtended Land Use TestMobile HomeCompany Title PropertyHome Owned by Private CompanySelf-Contained Flat Attached to HomeBusiness Conducted from HomeDual Occupancy Situations9.2.4 In Care - Assessment RulesTypes of Care SituationsRespite CareIn Care Assessment RulesAged Care Means Testing9.2.5 Special Residence - Assessment RulesOverview of Special ResidencesEntry ContributionSpecial Residence - Basic Assessment RulesGranny Flat ArrangementsSale Leaseback ArrangementsSupported Residential Services9.2.6 Reasonableness TestWhen to Apply the Reasonableness TestThe Deprivation FormulaConversion Factor Table9.2.7 Departure from the Principal HomeSale or Deprivation of HomeTemporary AbsenceExtension of Home Proceeds ExemptionVacation of Granny FlatEntering CareDeparture from Aged Care9.3 Relationship Status9.3.1 Overview of Relationship Status9.3.2 Member of a CoupleDefinitions for Member of a Couple StatusIllness Separated and Respite Care CoupleDe facto RelationshipFactors Considered to Assess a De facto Relationship ExistsRegarding a Member of a Couple as Not a Member of a Couple9.3.3 Not a Member of a CoupleDefinitions for Not a Member of a Couple StatusSeparation and Income Support EligibilityLiving Separately and ApartSeparated Under One Roof9.3.4 Effect of Relationship Status on RateEffect of Relationship Status on Rate PayableMember of a Couple RateNot a Member of a Couple Rate9.4 Children9.4.1 Overview of Children9.4.2 Effect of Children on Eligibility for Income Support Pensions, Benefits and Allowances9.4.3 Effect of Children on Assessment of Income Support PaymentsEffect of Children on Ordinary/Adjusted Income Free AreaEffect of Children on Remote Area Allowance (RAA)Effect of Children on Rent Assistance, Maintenance Income, Bereavement and other means test provisions9.4.4 Payments in Respect of Saved Children9.5 Deeming Provisions9.5.1 Overview of Deeming Provisions9.5.2 General Provisions for DeemingOperation of DeemingScope of DeemingDeeming Rate Calculation - Service Pension CoupleInvestment Information Systems9.5.3 Exemptions from DeemingGeneral Exemptions from DeemingSpecial Exemptions from Deeming9.5.4 Deeming of Savings InvestmentsDescription - Cash & AccountsDescription - Loans, Bills, Debentures, Notes, Bullion & Equalisation DepositsDescription - Government & Semi-government BondsDescription - Sale of Principal Home or Other Property9.5.5 Deeming of Shares InvestmentsDeemed Income from Listed Securities, Derivative Investments & Foreign ShareholdingsDeemed Income from Unlisted Public Securities, Delisted & Suspended SharesForms of Income from Share InvestmentsDescription - Forms of Income from Share InvestmentsDescription - Listed SecuritiesDescription - Derivative InvestmentsDescription - Foreign Shareholdings & Exempt Stock Markets9.5.6 Deeming of Managed InvestmentsIncome from Life Insurance Products - Conventional PoliciesDeemed Income from Life Insurance Products Regarded as Managed InvestmentsDeemed Income from Public Unit Trust InvestmentsDeemed Income from Superannuation & Roll-over InvestmentsDeemed Income from Other Managed InvestmentsDescription - Other Managed Investments9.5.7 Deemed Income from Account-Based Income Streams9.6 Deprivation of Income and Assets9.6.1 Overview of Deprivation Provisions9.6.2 General Provisions of Deprivation9.6.3 Disposal Date for Deprived Income and Assets9.6.4 Treatment of Income and Assets Disposals9.6.5 Deprivation of Assets - Effect on Income9.6.6 Deprivation Related to Trusts and Private Companies9.6.7 Deprivation Related to Deceased Estates and Separation9.6.8 Deprivation Related to Home and Accommodation Transfers9.6.9 Deprivation Related to Farm Transfers9.6.10 Deprivation Related to Private Annuities9.7 Statutory Increases9.7.1 Overview of Statutory Increases9.7.2 Indexation of Pensions and AllowancesCPIPBLCIMTAWEEffect of Negative CPI, PBLCI or MTAWEHow Certain Pensions and Allowances are Indexed9.7.3 Indexation TimetableIncome SupportCompensationNon-indexed Payments and Rates9.7.4 Historical Information9.8 Guide to the Assessment of Rates of Veterans' Pensions (GARP)9.8.1 Overview of GARP9.8.2 What is GARP?9.8.3 Elements of the Degree of IncapacityMedical ImpairmentLifestyle Effects9.8.4 Degree of Incapacity and Assessment of PensionChapter 3 - Impairment of Spine and Limbs9.8.6 GARP Chapter 109.9 Empire Air Training Scheme (EATS) Cases9.10 Compensation OffsettingOverview of Compensation Offsetting 9.10.2 Compensation Offsetting and Award of Compensation or Damages9.10.3 Compensation Offsetting and Disability Pension9.10.4 Compensation Offsetting and War Widow's/Widower's Pension or Orphan's Pension9.10.5 Recovery of treatment costs (s93)9.11 Compensation Recovery9.11.1 Overview of Compensation Recovery9.11.2 General Compensation Recovery ProvisionsApplication of Compensation Recovery ProvisionsCompensation Payments Excluded from Part IIIC Compensation Recovery ProvisionsRequirements to Claim for CompensationApplication of the Special Circumstances Provisions9.11.3 Lump Sum Compensation PaymentsGeneral Provisions for Lump Sum Compensation PaymentsTreatment of Certain Lump Sum Compensation PaymentsAssessment of Lump Sum Compensation PaymentsDuration of Lump Sum Preclusion PeriodWorkers' Compensation9.11.4 Periodic Compensation Payments9.12 - Defence Abuse Reparation Scheme Part 10 Types of Income and Assets10.1 Ordinary Income10.1.1 Overview of Ordinary Income10.1.2 Income Rates and DefinitionsDetermining the Rate of Income for PensionsRate of Income - Couples, Blind Pensioners and Children10.1.3 Income Exempt from AssessmentIncome Received to Cover ExpensesIncome Received as Special Financial AssistanceDVA Income Exempt from AssessmentExempt Income from Other Government SourcesExempt Income from Other Non-government SourcesExempt Lump Sums10.1.4 Income from EmploymentOverview of Income from EmploymentAssessment of AllowancesAssessment of Salary Sacrifice AmountsEvidence of EarningsWork BonusWork Bonus BankAnnual RateNotification Obligations and Date of EffectSpecific (Periodic) ReviewsPension Reassessment at the End of the Review PeriodRegular Earnings IncomeVariable Earnings IncomeSingle Period or One-off Earnings Income10.1.5 Income from Overseas, including Pensions, War Pensions, War Widow/er's Pension and Restitution PaymentsIncome from Foreign PensionsForeign Income Exchange RatesOverseas War PensionsOverseas War Widow's/Widower's PensionsRestitution Payments - National Socialist (Nazi) PersecutionRestitution Payments - Germany and AustriaRestitution Payments - NetherlandsRestitution Payments for POW Japan - Commonwealth and Allied Countries10.1.6 Income from PropertyHome Equity Conversion AgreementIncome from Sale of Property - Payments Deferred or by InstalmentsIncome from Real EstateIncome from Boarders or LodgersDisposal/Deprivation of Rental Income10.1.7 Income from Other SourcesIncome from Property Settlements and Life InterestIncome from Life Insurance ProductsIncome from Personal Injury SchemesIncome from Education Scholarships, Prizes and AllowancesIncome from Training ScholarshipsIncome from Gifts, Legacies and RoyaltiesIncome from Private Companies and TrustsIncome from Private AnnuitiesIncome from Overseas AnnuitiesIncome from Other Investments10.2 Assets10.2.1 Overview of Assets10.2.2 Determining the Value of an AssetValuation of AssetsAssessing Assets with Encumbrances and LoansAssessing Assets where Beneficial Interest ArisesValue of Assets not Readily Accessible and Asset-tested Income Streams10.2.3 Disregarded AssetsDisregarded Assets Relating to the Principal HomeDisregarded Assets Relating to InterestsDisregarded Assets Relating to Deceased Estates and Funeral ExpensesDisregarded Assets Relating to Refund of Accommodation BondOther Disregarded AssetsLegally Irrecoverable Loans or Debts10.2.4 Assessing Personal Assets and InvestmentsAssets Value of Personal Effects, Household Contents, Vehicles and CashAssets Value of Bank, Building Society and Credit Union AccountsAssets Value of Fixed Deposits, Bonds, Debentures and SecuritiesAssets Value of Managed InvestmentsAssets Value of Shares in Public CompaniesAssets Value of Property and Real EstateAssessing Loans and Guarantor ArrangementsAssessing Failed Loans and DebtsAssessing Life Insurance PoliciesAssessing Interests in a Deceased EstateAssessing Home Equity Conversion LoansAssessing Private AnnuitiesAssessing Overseas Annuities10.3 Business Structures and Trusts10.3.1 Overview of Business Structures and Trusts10.3.2 Assessing the Income and Assets of Sole Traders and PartnershipsGeneral Provisions for Sole Traders and PartnershipsAssessment of Income for Sole Traders and PartnershipsAllowable Deductions for Sole Traders and PartnershipsAssessment of Business Losses for Sole Traders and PartnershipsAssessable Income for Partnerships OnlySummary of Assessable Income for Sole Traders and PartnershipsAssessment of Assets for Sole TradersAssessment of Assets for PartnershipsSummary of Assessable Assets of Sole Traders and PartnershipsSummary of Assessable Assets of Sole Traders OnlySummary of Assessable Assets of Partnerships Only10.3.3 Assessing the Income & Assets from Private Companies pre 01/01/2002Assessable Income from Private Companies pre 01/01/2002Assessable Assets from Private Companies & Unlisted Public CompaniesTreatment of Assessable Assets - Private & Unlisted Public Companies - Not Assessed under New T & C Rules10.3.4 Assessing the Income & Assets from Trusts pre 01/01/2002General Provisions for Trusts pre 01/01/2002Assessable Income from Discretionary Trusts pre 01/01/2002Assessable Assets from Discretionary Trusts pre 01/01/2002Assessable Income from Non-discretionary Trusts pre 01/01/2002Assessable Assets from Non-discretionary Trusts pre 01/01/2002Summary of Assessable Income from Trusts pre 01/01/2002Assessable Income and Assets from Statutory Trusts pre 01/01/2002Other Trust Matters pre 01/01/200210.3.5 Assessing the Income & Assets from Primary ProductionAssessable Income & Assets from Primary ProductionPrimary Production Aggregation Assessment for Sole Traders & PartnershipsPrimary Production Aggregation Assessment for Companies & Trusts10.3.6 Attribution Guidelines for Private Trusts & Private Companies - From 01/01/2002Designated Private CompanyDesignated private trustControlled Private CompanyControlled Private TrustThe Source TestAssociate Rule10.3.7 Attribution Percentage & Derivation and Attribution Period - From 01/01/2002Attribution PercentageDerivation & Attribution Period10.3.8 Other Trust Matters - From 01/01/2002Discretionary Trust, Rural Succession Trust, and Fixed Unit TrustTestamentary TrustLife Interest and Remainder InterestProtective TrustConstructive Trust and Implied TrustExcluded TrustAssessable Income & Assets from a Court-Ordered (Statutory) Trust10.3.9 Assessing the Assets of a Private Trust or Company - From 01/01/2002Valuation of the Assets of a Designated Private Trust & CompanyAn Excluded Asset of a Controlled Private Trust or CompanySecurity of Tenure - Home owned by a Private Company or TrustHomeowner & Non-Homeowner where Home is owned by a Private Company or Trust10.3.10 Liabilities of a Private Trust or Company - From 01/01/2002Non-Recognised Liabilities of a Controlled Private Company or TrustRecognised Liabilities of a Controlled Private Company or TrustApportioning a Liability of a Controlled Private Company or Trust10.3.11 Assessment of Capital Injection to a Private Trust or Company - From 01/01/2002Capital Injection in Return for Equity in a Private Trust or CompanyGifting to a Private Trust or CompanyGifting private trust units where the only trust asset is the pensioner's principal home10.3.12 Assessing the Income of & Distributions from a Private Trust or Company - From 01/01/2002Income AttributionAllowable & Non-allowable Income DeductionsDistribution of the Capital of a Private Trust or CompanyDistribution of capital on wind-up of a private trust or companyDistribution of the Income of a Private Trust or Company to an Attributable StakeholderRetained Profits and Adjustments for Non-Allowable DeductionsDistribution of the Income of a Private Trust or Company to a Non-attributable Stakeholder10.3.13 Reassessment & Overpayments for a Private Trust or Company - From 01/01/2002Reassessment of a Controlled Private Trust or CompanyExamples of Possible Reasons for a ReassessmentOverpayment relating to a Controlled Private Trust or Company10.3.14 Resignation from a Private Trust or Company Resignation from a Controlled Private Trust or Company on or after 1 January 2002Resignation from a Controlled Private Trust or Company before 1 January 200210.3.15 Deprivation Provisions for Private Trusts or CompaniesDisposal of Assets to a Private Trust or Company before 1 January 2002Disposal of Assets to a Private Trust or Company on or after 1 January 2002Disposal of the Assets of a Private Trust or Company on or after 1 January 2002Concessions for a Pensioner Surrendering Control of a Private Company or Trust before 1 April 200210.3.16 Primary Production Private Trust & Company Issues - From 01/01/2002Aggregation Assessment of a Controlled Primary Production Private Trust & CompanyQualification Provisions for the Primary Production ConcessionExample of Primary Production Concession & other Related IssuesOther Primary Production Issues10.3.17 Additional Privacy Guidelines for a Private Trust or Company10.3.18 Assessment - Special Disability TrustsOverview of Assessment - Special Disability TrustsEligibility of the Principal BeneficiaryTrust PurposeAssessment of Income and Assets for SDTGifting to Special Disability Trusts10.3.19 Rules and Requirements - Special Disability TrustsOverview of Rules and Requirements - Special Disability TrustsTrustee RequirementsTransitional TrustsReporting RequirementsNon-complying SDTWaiverInvestment RulesExpenditure RulesAudit RequirementsObligations in Relation to Special Disability Trusts10.4 Superannuation Funds10.4.1 Overview of Superannuation Funds10.4.2 Description of SuperannuationWhat is Superannuation?Types of Superannuation Funds10.4.3 Assessment of Superannuation BenefitsGeneral Provisions for Assessing SuperannuationEarly Release of Superannuation BenefitsGeneral Provisions for Assessing Withdrawals of Superannuation BenefitsTreatment of Non-Pensioner Partner's Superannuation Investments10.5 Income Streams10.5.1 Overview of Income Streams10.5.2 Description of Income StreamsAsset-Test Exempt Income Streams - LifetimeAsset-Test Exempt Income Streams - Life ExpectancyAsset-Test Exempt Income Streams - Market LinkedAsset-Test Exempt Income Streams - Defined BenefitAsset-Tested Income StreamsFamily Law Affected Income Streams10.5.3 General Provisions for Assessing Income StreamsAdditional Rules Regarding CommutationExemptions from the Income Stream ProvisionsDetermining what Proportion of an Asset Test Exempt Income Stream is ExemptOther Rules Regarding Income Streams10.5.4 Income and Assets Assessment of Income StreamsIncome Assessment of Defined Benefit Income StreamsExamples of Defined Benefit Income Stream AssessmentIncome Assessment of Purchased Income StreamsAssets Assessment of Defined Benefit and Purchased Income Streams10.5.5 Special Provisions Regarding Self Managed Superannuation Funds and Small APRA FundsDescription of Self Managed Superannuation Funds and Small APRA FundsAdditional Documentation Required from Self Managed Superannuation Funds and Small APRA FundsReturn of Purchase Price and DeprivationAssessment where Fund Closes or is in Financial Difficulty10.5.6 Special Provisions Regarding Family Law Affected Income StreamsGeneral Provisions for Family Law Affected Income StreamsAssessment of Percentage Payment Splits - Non Defined Benefit Income Streams (Non Allocated, Asset Test Exempt)Assessment of Percentage Payment Splits - Non Defined Benefit Income Streams (Non Allocated, Asset Tested Long Term)Assessment of Percentage Payment Splits - Non Defined Benefit Income Streams (Allocated Products and Market Linked Income Streams)Assessment of Percentage Payment Splits - Defined Benefit Income StreamsAssessment of Base Amount Payment Splits - Non Defined Benefit Income Streams (Non Allocated, Asset Test Exempt)Assessment of Base Amount Payment Splits - Non Defined Benefit Income Streams (Non Allocated, Asset Tested Long Term)Assessment of Base Amount Payment Splits - Non Defined Benefit Income Streams (Allocated Products and Market Linked Income Streams)Assessment of Base Amount Payment Splits - Defined Benefit Income Streams10.5.7 Life Expectancy Tables, Pension Valuation Factors and Payment FactorsTable of Life Expectancy for Income Streams with a Commencement Day on or after 01/01/2015Table of Life Expectancy for Income Streams with a Commencement Day on or after 01/01/2010 to 31/12/2014Table of Life Expectancy for Income Streams with a Commencement Day on or after 01/01/2005 to 31/12/2009Table of Life Expectancy for Income Streams with a Commencement Day on or after 01/01/2000 to 31/12/2004Table of Life Expectancy for Income Streams with a Commencement Day on or after 01/01/96 to 31/12/99Table of Life Expectancy for Income Streams with a Commencement Day on or after 01/05/93 to 31/12/95Table of Life Expectancy for Income Streams with a Commencement Day on or after 01/09/88 to 30/04/93Table of Life Expectancy for Income Streams with a Commencement Day on or after 01/07/83 to 31/08/88Pension Valuation Factors for Defined Benefit Income StreamsPayment Factors for Market Linked Income StreamsPayment Factors for Allocated Income Streams10.6 Maintenance Income10.6.1 Overview of Maintenance Income10.6.2 Child and Spousal Maintenance Income10.6.3 Documentary Requirements - Spousal Maintenance Agreements10.6.4 Assessment and Review of Maintenance10.6.5 Capitalised MaintenancePart 11 Administration of Payments11.1 Income Support Effective Dates and Pension Periods11.1.1 Overview of Effective Dates and Pension Periods11.1.2 Pension Periods and Paydays11.1.3 Effective Dates for Grants11.1.4 Determining Effective Dates for Variations and TerminationsVariation or Termination Resulting From Response to Section 54 ObligationsEffective Dates for General VariationsEffective Dates for Review Requested by PensionerDate of Effect for Annual ReviewsEffective Dates for Post-Bereavement ReviewsDate of Effect of Property ValuationsDate of Effect - Overseas Benefits11.1.5 Accommodation Bond Transitional Provisions11.1.6 Special Provisions Relating to Deductible Amount11.2 Disability Pension Instalments and Effective Dates11.2.1 Overview of Disability Pension Instalments and Effective Dates11.2.2 Instalments and Dates of Effect for Pensions and Allowances11.2.3 Dates of Effect for Determinations Resulting from ReviewsDates of effect for determinations resulting from Commission reviewsDates of effect for determinations resulting from VRB reviewsDates of effect for determinations resulting from AAT reviews11.3 Agents and Trustees11.3.1 Overview of Payments to Agents and Trustees11.3.2 AgentsPayments to AgentsAppointment of an Agent11.3.3 TrusteesPayments to TrusteesAppointment of a Trustee11.4 Portability11.4.1 Overview of Portability11.4.2 Effect of Going Overseas on Payment of Pensions11.4.3 Effect of Going Overseas on Payment of Supplements and Allowances11.4.4 Transfers Between Portable Pensions11.4.5 Bar to Portability - Pension Claimed During Temporary Return to Australia11.5 Manner of Payment11.5.1 Overview of Manner of Payment11.5.2 Payment by Direct CreditOverview of Payment by Direct CreditPowers of Commission in Relation to Direct Credit PaymentsAccounts into Which Direct Credit Payments can be MadePayability of Seniors Supplement Where No Account is Nominated11.5.3 Exemptions from Payment by Direct CreditOverview of Exemptions from Payment by Direct CreditExemption Due to Difficulty Accessing Financial ServicesTemporary Exemptions11.5.4 Payment by Group Payment11.5.5 Payment by Individual Cheque11.5.6 Payment Method for Overseas Residents11.6 Taxation11.6.1 Overview of Taxation11.6.2 Taxable Payments11.6.3 Non-Taxable PaymentsNon-taxable Income Support PaymentsNon-taxable Compensation PaymentsOther Non-taxable PaymentsTax Free Payments and Benefits11.6.4 Payment Summaries11.6.5 Payment of Tax Withholdings to Commissioner of TaxationPayment of Tax Withholdings at Pensioner's RequestPayment of Tax Withholdings at the Commissioner of Taxation's Direction11.6.6 Pensioner Offsets11.7 Imprisonment11.7.1 Overview of Imprisonment11.7.2 How Payments and Benefits may be Affected11.7.3 Redirection of Payments to Partner or Child11.8 Ownership of Pension Instalments11.9 Powers of Administration and Delegation11.9.1 Overview of Powers of Administration and Delegation11.9.2 Administrative Powers of the Commission11.9.3 DelegationsWhat are DelegationsRules for Delegates to FollowRole and Responsibilities of a Delegate of the Repatriation CommissionResources Available to Delegates to Assist in Decision Making11.9.4 Ethics for Decision MakersReceipt of Gifts or BenefitsConflicts of Interest11.10 Advices11.10.1 Overview of Advices11.10.2 Income Support AdvicesInclusion of Obligation Information and Income & Assets DetailsAdvice Letters Produced by the Document Generation SystemIncome Support Standard Letters11.10.3 Veterans' Compensation AdvicesAdvice Letters Produced by the Compensation Claim Processing System (CCPS)Veterans' Compensation Standard LettersPart 12 Compliance and Obligations12.1 Recipient Obligations12.1.1 Overview of Recipient Obligations12.1.2 Importance of Obligations12.1.3 Power to Impose Obligations12.1.4 Requirements for Imposing ObligationsLegal Requirements for Section 54 ObligationsTime Frame for Response - Notification Period12.1.5 Failure to Meet ObligationsPenalties for Failure to Meet ObligationsPerson Unable to Comply with Obligations12.2 Information Gathering Powers12.2.1 Overview of Information Gathering Powers12.2.2 Power to Request InformationWho can we Request Information From?What Information can we Gather?How can we Gather Information?12.2.3 Using the Correct Information Gathering Powers12.2.4 Requirements for Information Gathering12.2.5 Non-compliance with Notices12.3 Data Matching12.3.1 Overview of Data Matching12.3.2 Data Matching Program12.3.3 Tax File Number for Data Matching12.3.4 Exclusion/Exemption from Supplying Tax File Number 12.4 Exchange of Information with Other Departments12.4.1 Overview of Exchange of Information with Other Departments12.4.2 Exchange of Information with Centrelink/Department of Human Services12.5 Reviews and Appeals12.5.1 Overview of Income Support Reviews and Appeals12.5.2 Income Support and Review of Decisions by the Repatriation CommissionCircumstances Where Commission May Review DecisionsReview Relating to a Deceased PersonApplications for ReviewProcessing Requests for Review12.5.3 Review by the Administrative Appeals Tribunal (AAT) for Income Support MattersApplications for Review by the Administrative Appeals Tribunal (AAT)DVA's Obligations Towards Application to the Administrative Appeals Tribunal (AAT)Hearings and Decisions by the Administrative Appeals Tribunal (AAT)12.5.4 Federal Court and Income Support Matters12.5.5 Overview of Reviews and Appeals for Veterans' Compensation Matters12.5.6 Veterans' Compensation and Review of Decisions by the Repatriation CommissionCircumstances Where Commission May Review DecisionsReviews Under Section 31Review Relating to a Deceased PersonApplications for ReviewProcessing Requests for Review12.5.7 Review by the Veterans' Review Board (VRB)What Decisions can the Veterans' Review Board (VRB) Review?Applications for Review by the Veterans' Review Board (VRB)Veterans' Review Board (VRB) Hearings12.5.8 Review by the Administrative Appeals Tribunal (AAT) for Veterans' Compensation MattersApplications for Review by the Administrative Appeals Tribunal (AAT)DVA's Obligations Towards Application to the Administrative Appeals Tribunal (AAT)Hearings and Decisions by the Administrative Appeals Tribunal (AAT)12.5.9 Federal Court and Veterans' Compensation Matters12.5.10 The Commonwealth Ombudsman12.5.11 Freedom of Information12.6 Overpayments12.7 Specific and Compliance Reviews12.7.1 Overview of Specific and Compliance Reviews12.7.2 Specific Reviews12.7.3 Compliance Reviews12.7.4 Departmental Initiated Reviews and ActionsPart 13 Education Schemes Policy Manual13.1 Purpose and Administration13.1.1 Purpose of the Education Schemes13.1.2 Legislation13.1.3 Administration of the Education Schemes13.2 Eligibility13.2.1 Eligibility under the VCES13.2.1.1 Who is a ‘child’ under the VEA?13.2.1.2 Eligibility for children of Vietnam veterans assessed as ‘vulnerable’13.2.1.3 Eligibility for dependent children of Defence members covered under SRCA, or severely injured or killed in the Black Hawk Helicopter Accident13.2.2 Eligibility under the MRCAETS13.2.2.1 Who is a Dependant under MRCAETS13.2.3 Who can make a claim under the Education Schemes?13.2.4 Place of Study13.2.5 Course Coverage13.2.5.1 Part Time Study13.2.5.2 Minimum Duration of a Course of Study13.2.6 Effect of other assistance on eligibility13.2.6.1 Mutually Exclusive Payments13.2.6.2 Centrelink Clearances13.2.6.3 Orphans13.2.7 Allowances mutually exclusive13.3 Education Allowances and Taxation under the Education Schemes13.3.1 Allowances for Primary Students 13.3.2 Allowances for Secondary and Tertiary students living at home 13.3.3 Allowances for Secondary students living away from home13.3.3.1 Online courses and the living away from home rate13.3.3.2 Overseas study13.3.3.3 Effect of marriage or de facto relationships on living away from home rate13.3.4 Allowances for Tertiary students (including Apprentices, Trainees and cadets) living away from home 13.3.4.1 Online courses and the living away from home rate13.3.4.2 Overseas study13.3.4.3 Effect of marriage or de facto relationships on living away from home rate13.3.4.4 Establishing a de facto relationship13.3.5	Allowances for Homeless students 13.3.6	Double Orphan Rate13.3.7	Indexing education allowances 13.3.8 Taxation Under the Education Schemes13.3.8.1 Tax withholding under VCES13.3.8.2 Tax withholding under MRCAETS13.3.8.3 Tax withholding for non-Australian residents13.3.9 Who may an education allowance be paid to13.3.9.1 Students Living At Home13.3.9.2 Students Living Away From Home13.3.9.3 Homeless students13.3.9.4 Payments where there is Shared Care of a child/ren13.4 Commencing and Varying Benefits13.4.1 Commencement of assistance under the Schemes13.4.1.1 Students transferring from FTB to DVA Education Schemes upon the completion of high school / the commencement of tertiary studies13.4.2 Date of effect rules 13.4.2.3 Date of Effect Rules – Continuing students13.4.2.1 Date of Effect Rules – change in circumstances13.4.2.2 Date of Effect Rules – student reapplying for benefits after a break in study13.4.2.4 Date of Effect Rules – Students eligible on medical grounds13.4.3 Absences from study for primary and secondary students13.4.4 Cessation of Assistance under the Education Schemes 13.4.4.1 Medical Certificates13.4.4.2 Board considers that a student’s progress is unsatisfactory13.4.4.3 Ceasing Letters13.4.5 Overpayments13.5 Other Education Scheme Benefits13.5.1 Guidance, Counselling and Country Visits13.5.2 Fares Allowance13.5.3 Additional Tuition13.5.4 Special Assistance13.5.5 Rent Assistance13.5.5.1 Board13.5.5.2 Share accommodation13.5.5.3 Boarding schools and university residences13.5.5.4 Residence owned by Government housing authority13.5.5.5 Residence owned by parents13.5.5.6 Rent verification13.5.5.7 Frequency of rent verification13.5.5.8 Start date of Rent Assistance13.5.5.9 Examples of Sharing13.6 Other Assistance13.6.1 Energy Payments13.6.2 Family Tax Benefit (FTB)13.6.2.1 Effect of Family Tax Benefit (FTB) Part A and B on VCES/MRCAETS Benefits13.6.3 Child Dental Benefits Schedule13.6.4 Schoolkids Bonus13.6.4.1 Overview of Schoolkids Bonus (ceased December 2016)13.6.4.2 Definitions for Schoolkids Bonus (ceased December 2016)13.6.4.3 Eligibility for Schoolkids Bonus (ceased December 2016)13.6.4.4 Receiving the Schoolkids Bonus (ceased December 2016)13.6.4.5 Payment Amounts for Schoolkids Bonus (ceased December 2016)13.6.4.6 Payment Errors for Schoolkids Bonus (ceased December 2016)13.6.4.7 Income Management for Schoolkids Bonus13.6.4.8 Legislative References for Schoolkids Bonus13.6.5 Income Support Bonus13.6.5.1 Eligibility for Income Support Bonus13.6.5.2 Receiving the Income Support Bonus13.6.5.3 Department of Human Services (DHS) Income Support Bonus13.6.5.4 Recoveries for Income Support Bonus13.6.5.5 Legislative References for Income Support Bonus13.7 Other Assistance (Historic)13.7.1 Education Tax Refund (ETR) Administrative Scheme13.8 Scholarships for Tertiary Students13.8.1 Student Start-up Scholarship13.8.2 Relocation Scholarship13.8.3 Scholarship Amounts13.8.3.1 Initial scholarship amount13.8.3.2 Intermediate rate scholarship amount13.8.3.3 On-going rate13.8.3.4 Timing of the scholarship payments13.8.3.5 Indexation of scholarship payments13.8.4 What is an Approved Scholarship Course?13.8.5 Students who do not commence the course13.8.6 Students who are not undertaking the course after 35 days13.9 Bequests and Trusts13.9.1 Determination of Use of Funds13.9.2 Scholarships13.9.3 Long Tan BursaryPart 13 Education Schemes Policy Manual contd.13.10 Determination of Assistance13.10.1 Determinations 13.10.2 Review of Decisions 13.11 Children’s Education Boards13.11.1 Establishment13.11.2 Membership13.11.3 Appointment 13.11.3.1 Working with Children Checks13.11.4 Termination of Appointment 13.11.5 Function and Meetings13.11.6 Exercise of functions by a sub-committee 13.11.7 Chairperson 13.11.8 Meetings13.11.8.1 Annual Report Part 14 Structure of the Policy Library About CLIK
URL: http://clik.dva.gov.au/compensation-and-support-policy-library/part-5-income-support-allowances-and-benefits/54-pension-loans-scheme/541-overview-pension-loans-scheme