Making later life easier to understand.
Practical information about money, support, housing, retirement and planning ahead — without assuming you already know which system or government program applies.
You do not need to learn every rule at once.
Later Life is designed around the decisions people actually face: whether they may be eligible for support, how to stay independent, what to consider before moving, and which arrangements are worth putting in place early.
Pensions, concession cards, working, superannuation and the practical supports that can reduce everyday costs.
What am I eligible for as I get older?
There is no single “over 65” benefit in Australia. Different programs use different ages, income tests, residency rules and care needs. The useful first step is to work out which system matches the kind of help you need.
Read guide →Income supportAge Pension explained in plain English
Age Pension is the Australian Government’s main income-support payment for older Australians. Reaching the qualifying age is only one part of eligibility.
Read guide →Concession cardsCommonwealth Seniors Health Card explained
The Commonwealth Seniors Health Card can help with cheaper health care and some discounts for people who have reached Age Pension age but are not receiving an income-support payment.
Read guide →Concession cardsPensioner Concession Card explained
The Pensioner Concession Card can provide cheaper health care, medicines and access to some concessions for people receiving qualifying Centrelink payments.
Read guide →Everyday concessionsSeniors Cards and concessions: what to check
Australia does not have one national Seniors Card. States and territories run their own programs, with their own eligibility rules and discounts.
Read guide →Work & retirementCan I keep working after 65?
Yes. Turning 65 does not require you to retire. If you receive Age Pension, the important issue is how employment income is treated under the pension rules.
Read guide →SuperannuationWhat happens to my super after 65?
Turning 65 gives you broad access to your superannuation even if you are still working, but it does not mean you have to withdraw it.
Read guide →Staying at home, downsizing, retirement villages and making a home safer and easier to live in.
Staying at home or downsizing: what should I think about?
There is no automatic point at which a person should downsize. The useful question is whether the home still supports the life you want, the costs you can sustain and the help you may need later.
Read guide →Retirement livingRetirement villages explained: what to check before you sign
A retirement village is a housing and lifestyle choice, not the same thing as an aged care home. Contracts, fees and ownership arrangements can be very different from buying an ordinary home.
Read guide →Help at home, aged care assessments, equipment, home modifications and support for carers.
What help can I get to stay living at home?
Government-funded support can help with personal care, cleaning, nursing, allied health, transport, equipment, home modifications and other assessed needs.
Read guide →Safety & independenceGovernment help with home modifications and equipment
If changes to your home or equipment would make daily life safer or easier, the Support at Home Assistive Technology and Home Modifications scheme may help when the need is assessed and approved.
Read guide →For family & carersWhat support is available for carers?
If you provide unpaid care for an older family member or friend, there are supports for you as well as for the person receiving care.
Read guide →Putting the right people, documents and healthcare preferences in place before they are urgently needed.
Power of attorney: why it is worth organising early
A power of attorney can allow another person to make certain decisions or deal with matters on your behalf. The names, powers and formal requirements differ across Australian states and territories.
Read guide →Healthcare planningAdvance care planning: making your wishes easier to follow
Advance care planning is about thinking through your future healthcare preferences and making it easier for family and clinicians to understand what matters to you if you cannot speak for yourself.
Read guide →When the issue turns into care, Liz can help connect the dots.
Later Life widens the practical information around ageing. Local Home Help remains focused on helping people understand home care, funding and provider options when support is needed.