Questions from the floor: Pensioner Concession Card versus Commonwealth Seniors Health Card


In this week’s Questions from the floor, we take a look at the key features of both the Pensioner Concession Card (PCC) and the Commonwealth Seniors Health Card (CSHC).

What is the difference between the Pensioner Concession Card (PCC) and the Commonwealth Seniors Health Card (CSHC)? - Jan


Thanks for your question, Jan.

Both cards offer cheaper health care and some discounts if you’ve reached Age Pension eligibility age - or receive a similar payment or allowance.

The CSHC contains greater eligibility restrictions and the benefits are not as extensive as those of the PCC.

Some self-funded retirees value the concessions available on the PSS to the point that they shape their retirement income to access it.

Compare the eligibility requirements and benefits here.

You can learn more by visiting the Human Services website.

Improving the retirement income system


The Federal Government recently announced that the retirement income system would be reviewed.

The disparity between the cards should be included in this review.

National Seniors Australia supports moves to ensure that low-income, self-funded retirees are able to access benefits and concessions.

This week, we welcomed the release of the Actuaries Institute 's Green Paper on Australia’s retirement income system.

National Seniors Australia CEO, Professor John McCallum says the debate needs to focus on the sustainability of the system.

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