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Senior Snapshot


Seniors Perks
Seniors Perks

31 July 2023, 4:31 AM

We’re all feeling the pressures from the rising cost of living, but the good news for the ‘over 60’s is that there is a raft of entitlements to claim, and a range of discounts and perks offered by the Government: both state and local, as well as some private organisations.For Seniors: (over 60’s)It is possible to access your superannuation after you turn 60, so if it is needed you should speak to your accountant or financial adviser about the best way to utilise the funds at your disposal.Apply for a Seniors Card: this is the best way to access discounts from participating businesses for a range of goods and services, as well as transport concessions. It’s free to eligible persons. The criteria may change slightly from state to state, however in NSW you must be a permanent resident of the state, aged 60 or over, and working no more than 20 hours a week.  At the moment there are more than 1.4 million members of the NSW Seniors Card scheme, and over 3,500 businesses are participating. *  NOTE: The NSW regional seniors travel card (prepaid $250) stopped accepting new applications on 7 July. Premier Chris Minns said that he can’t guarantee it will return.Locally, Kiama Council offers:●      Reduced rates for concession card holders (including seniors card holders) at the Leisure Centre●      Libraries provide a range of services for all ages. Some that are popular with senior citizens include the Home Library book delivery and pick-up service. There are also Makers and Creators workshops, the Friends of Kiama Library book talks, free film screenings and book club kits.Many Kiama cafes and eateries also offer reduced-priced seniors meals, and some hairdressers have senior discounts, however it’s best to confirm with individual businesses first. Carmen Hamburger and Jennifer White, residents of the South Coast, have been able to take advantage of the benefits offered by their Seniors Cards.For Aged Pensioners:The aged pension is available for those over 66 years who meet income and assets test. To find out about your eligibility you can visit the Department of Human Services website.Pensioner Concession Card: You are eligible for at any age if you receive payments including:●      Age Pension,●      Bereavement Allowance,●      Carer Payment, or●      a Disability Support Pension.Further details on the concessions, including bulk billing for doctor appointments and higher Medicare benefits, can be found on the Department of Human Services website.Animal Welfare League have discount vouchers for Centrelink Concession Card holders.Commonwealth Seniors Health Card: This card provides discounts on Pharmaceutical Benefits Scheme (PBS) prescription medicines, as well as benefits like bulk billed doctor appointments and cheaper out-of-hospital medical expenses. To qualify for a Commonwealth Senior Health Card you must be of Age Pension age and meet the income test and residence requirements. With the difference in state concessions and varying eligibility criteria, it’s best to use this information as a starting point so you know how you can benefit. Kiama Council also offers rebates on Pensioner rates. Aged care facility Blue Haven has a range of seniors-focused services, such as community transport (available as part of people’s Home Care Packages). Hopefully, this list of discounts and rebate options helps our Senior readership.

Preparing for growing older
Preparing for growing older

20 July 2023, 11:45 PM

This is something we will all face and is relevant to all!Despite living longer, very little is known in Australia about how prepared we feel for ageing – until now. It turns out that a glass half full or empty attitude can make a difference to our preparedness.Head of Research at National Seniors Australia, Dr Diane Hosking talks about new research, based on a survey of 3400 people aged 50 and older, that reveals what aspects of preparation are a priority and what factors impact our capacity to prepare.“Growing up, I was told it is a privilege to get older and reminded not everyone has the opportunity. But rather than later life being celebrated and respected, over time many of us have come to believe it is problematic and therefore something to be feared,” she said. That’s partly because we’re living longer, so collectively older age is somewhat uncharted territory. It requires a lot more preparation than in past generations. Researchers know very little about how prepared we feel for ageing in Australia, what aspects of preparation are a priority and what factors impact our capacity to prepare. National Seniors Australia’s research has confirmed this intuitive link between older people’s attitudes towards ageing and their readiness for it. Just over two-thirds of the survey respondents felt somewhat or very prepared for ageing, but those who had ageing concerns were significantly less likely to feel prepared. Head of Research at National Seniors Australia, Dr Diane HoskingConversely, respondents who agreed there are positive aspects to ageing were 340% more likely to feel prepared for it. That’s a significant difference, associated with a sunnier outlook on getting older. Age, health and wealth all affect our readiness for later life too. The research showed older and wealthier people were significantly more likely to feel prepared, while those in poor health were nearly 30% less likely to feel prepared. So, what does preparation for ageing mean to these older Australians? The survey comments highlighted several life areas in which preparations are required, i.e. health, accommodation and finances. The survey revealed that across all life areas, feeling prepared is associated with taking action, gaining knowledge and having a positive mindset. As one 68-year-old respondent explained, “Our finances and living arrangements have been planned for many years and make ageing somewhat easier.”On the other hand, comments about being unprepared highlighted worry and the barriers to preparation. As a 70-year-old respondent shared, “The biggest concern is my lack of understanding of the aged care sector, options and how to pay for it.” Overall, the comments suggest older people need three kinds of support to prepare for ageing. Structural change such as housing and income security are essential enablers because without access to these material supports any preparations will be inadequate. Good information about how to prepare is also valuable. People need to know what to expect from their ageing bodies, what changes to make in their lives, and how to navigate our social support systems in later life. Emotional resilience is the third factor, to help people challenge negative expectations and fears that prevent them from making preparations. We could all benefit from cultivating that magical positive attitude to ageing. While ageing can present changing circumstances, taking action to prepare for it helps maintain quality of life – it buffers against health-related challenges and increases opportunities for fulfilment and satisfaction. When it comes to maintaining quality of life, preparation is key. National Seniors will use this information to help inform its policy and advocacy work supporting quality of later life for older people. 

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