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Fairness in Retirement

Campaigning for a retirement income
system based on principles of adequacy, sustainability, certainty and fairness.

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The issue

Older people want financial security but the retirement income system is complex and confusing; and pension rules are punitive.

What we're calling for

We are calling for a fairer system with simpler rules that help older people become more financially self-sufficient.

The benefits

Reducing financial worry among older Australians, will help them feel more confident about the economy and the future.

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Campaign win

National Seniors Australia campaigned to improve the Pension Loans Scheme (now called the Home Equity Access Scheme).

We were successful in lowering of the interest rate from 5.25% to 3.95%. A huge win for seniors who need a safe way to release their home equity to live a better retirement.

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Our policy recommendations

Priority 1: Let pensioners work

We recommend employment income be exempt from the income test for pensioners with limited savings or assets. Allowing pensioners to work will boost their retirement incomes and meet crippling labour force shortages.

Priority 2: Adopt a universal pension

A universal pension would give everyone a basic pension. It would eliminate means testing, doing away with deeming and taper rates, which complicate retirement planning of millions of retirees.

Priority 3: Improve the Pension Loans Scheme

National Seniors Australia is calling for improvements to the Pension Loans Scheme so retirees can use the equity in their home for a better income in retirement.

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Become a member

Become a member

As a not-for-profit organisation, your membership directly funds our Advocacy and Research work. It helps us fight to fix pension poverty, tackle the cost of living and health care, improve aged care and fairness in retirement income.

Plus, get access to discounts, competitions, weekly news and Our Generation magazine 4 times a year!

Donate to our advocacy campaigns

Donate to our advocacy campaigns

Your gift today can help fix pension poverty, rebuild the retirement income system and provide more home care places so that older Australians can live safely and make ends meet.

We want to hear from you

National Seniors will be fighting to change the issues that affect you most in this review.

Tell us what areas concern you most, so we can make sure that your voice is heard.

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We've got your back

With National Seniors, you're voice is valued. Discover how we campaign for change on your behalf.

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