Can You Get Centrelink Before 67 How to Fund the Gap After You Retire at 60
Craig Millar | Super & Tax Made Clear
141,177 views
📋 FREE GUIDE — 10 Things Australian Retirees Are Owed (That Most Never Claim):
👉 craigmillar.net/free-guide
You can get to your super at 60, but the Age Pension doesn't start until 67. That's a seven-year gap you have to pay for yourself, and most people are told there's nothing from the government until then. That's only half true.
In this video, independent adviser Craig Millar explains the difference between the Age Pension and Centrelink, and which payments you can actually claim before 67. We go through JobSeeker before pension age, the Disability Support Pension, Carer Payment, and the Low Income Health Care Card that quietly cuts the cost of your medicines. You'll also learn the rule barely anyone talks about: super sitting in accumulation phase is invisible to Centrelink until you turn 67, and that can decide whether you qualify for anything at all.
Then we walk through the three real ways people fund the gap after retiring at 60, from a tax-free account-based pension to keeping your super hidden while you work part-time, along with the traps that quietly cost people money.
If you're planning to retire early in Australia, watch this before you finish work.
Sources: Services Australia (servicesaustralia.gov.au), ATO (ato.gov.au), MoneySmart (moneysmart.gov.au). Rates current as at July 2026.
General information only, not personal financial advice. Always check your own situation with Services Australia or a licensed financial adviser.
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⚖️ IMPORTANT!
This channel is not affiliated with the ATO, Services Australia, or the Australian Government. The content is for general educational purposes only — not financial, tax, or legal advice. Tax rules change and individual circumstances vary. Before making decisions about your super, pension, or retirement income, speak to a qualified financial adviser or registered tax agent. For free super guidance, call the ATO on 13 10 20 or visit moneysmart.gov.au.
#australianretirement #agepension #superannuation
20 Comments
I have shared with a friend who I think would benefit from this.
I have the Low Income Health Care Card and while it is only judged on your income Centrelink still wants to know all our superannuation balances including any in accumulation. A lot of hoops you still have to jump through.
Also, don’t leave the country for longer than 6 weeks as they will cancel your card not just suspend it. I was 3 days over and found out the hard way, I had to apply again.
Can You Get Centrelink Before 67 How to Fund the Gap After You Retire at 60
Craig Millar | Super & Tax Made Clear
141,177 views
📋 FREE GUIDE — 10 Things Australian Retirees Are Owed (That Most Never Claim):
👉 craigmillar.net/free-guide
You can get to your super at 60, but the Age Pension doesn't start until 67. That's a seven-year gap you have to pay for yourself, and most people are told there's nothing from the government until then. That's only half true.
In this video, independent adviser Craig Millar explains the difference between the Age Pension and Centrelink, and which payments you can actually claim before 67. We go through JobSeeker before pension age, the Disability Support Pension, Carer Payment, and the Low Income Health Care Card that quietly cuts the cost of your medicines. You'll also learn the rule barely anyone talks about: super sitting in accumulation phase is invisible to Centrelink until you turn 67, and that can decide whether you qualify for anything at all.
Then we walk through the three real ways people fund the gap after retiring at 60, from a tax-free account-based pension to keeping your super hidden while you work part-time, along with the traps that quietly cost people money.
If you're planning to retire early in Australia, watch this before you finish work.
Sources: Services Australia (servicesaustralia.gov.au), ATO (ato.gov.au), MoneySmart (moneysmart.gov.au). Rates current as at July 2026.
General information only, not personal financial advice. Always check your own situation with Services Australia or a licensed financial adviser.
__
⚖️ IMPORTANT!
This channel is not affiliated with the ATO, Services Australia, or the Australian Government. The content is for general educational purposes only — not financial, tax, or legal advice. Tax rules change and individual circumstances vary. Before making decisions about your super, pension, or retirement income, speak to a qualified financial adviser or registered tax agent. For free super guidance, call the ATO on 13 10 20 or visit moneysmart.gov.au.
#australianretirement #agepension #superannuation
Love it (I’m 66)