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Post by bern22 on Jan 21, 2016 20:43:27 GMT 7
hi, I am new to this forum and wish to ask some advice please. Both my husband & I recieve a disability support pension of aprox $700 per f/n each. I have commenced a part time job and earned $710 this f/n. Centerlink have deducted $180 from each of our pensions per f/n = $360 . Taking this into consideration I would be taking home only $350 in wages per f/n for 32 hrs. Wondering if it is worthwhile working for this amount? That amounts to around $12 per hour for my job. Doesn't seem fair to me as I am keen to work Appreciate anyone's advice as I am stuck as what to do, my husband is not too happy that he is penalised for me working
thank you all for your help & advice, bern22
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Post by Banjo on Jan 21, 2016 21:43:30 GMT 7
Welcome to the forum Bern.
I suppose that you have the satisfaction of having a pay packet to take into account, the extra $350 would cover a lot of bills.
You have to talk it through with your husband and work out the pros and cons of how it effects your relationship as well.
If it was me, I'd work...
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Post by Deleted on Jan 22, 2016 10:01:29 GMT 7
Welcome to the forum Bern. I suppose that you have the satisfaction of having a pay packet to take into account, the extra $350 would cover a lot of bills. You have to talk it through with your husband and work out the pros and cons of how it effects your relationship as well. If it was me, I'd work... You also have to look at the Bigger Picture also What can you Tax liabilities be At the moment your Disability pension is tax free But with working this could also open up a can of worms I am not in a position to advise on this tax part |
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Post by latindancer on Jan 22, 2016 12:31:40 GMT 7
As far as I am aware, because Centrelink payments are tax-free, your taxation is confined to the money you earn from working. Normal tax-free threshold then applies.
When you work whilst on the DSP, you can earn a certain amount each week without getting anything deducted from your DSP. After that money is deducted (I think) at 40 cents in the dollar.
I agree with Banjo....it's still worth working. Any extra money makes a difference. I work part-time myself.
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Post by chris on Jan 22, 2016 15:18:35 GMT 7
hi, I am new to this forum and wish to ask some advice please. Both my husband & I recieve a disability support pension of aprox $700 per f/n each. I have commenced a part time job and earned $710 this f/n. Centerlink have deducted $180 from each of our pensions per f/n = $360 . Taking this into consideration I would be taking home only $350 in wages per f/n for 32 hrs. Wondering if it is worthwhile working for this amount? That amounts to around $12 per hour for my job. Doesn't seem fair to me as I am keen to work Appreciate anyone's advice as I am stuck as what to do, my husband is not too happy that he is penalised for me working thank you all for your help & advice, bern22 Presumably you are younger because if converting to the OAP there's an exemption for $6500 per year for part time employment.
32 hours/fortnight=16 hours a week, i.e, about 2 work shifts in a week. I think it's a tremendous achievement getting out there and I would not give it up. Besides building self esteem, it's good to be out in the mainstream meeting people.
According to what you describe, your money is separate? You have to make peace with your husband and give him a some compensation for his loss of earnings.
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Post by Deleted on Jan 22, 2016 17:30:46 GMT 7
Working is good bern22. I did it for a long time. If your able to work and someone will employ you on an ongoing basis, then keep doing it. But dont hide it from CL or hide your relationship status. They are red hot on that, and will jump on you big time.
Clearly, CL are wanting to prosecute those who claim single payments whilst "enjoying" other "joys" of a spouse relationship. IE housing etc.
I have long held the view that the payment reduction for a couple is unfair, and that especially applies to older (and younger) should their situation alter when one or the other requires to be in an institution for care.
There is another aspect of when on DSP and working : if you do work, you will never be able to apply for UP of payment if you wish to travel or live elsewhere. So, whilst working and on DSP and gaining those few hours of pay, which govt deems to be desirable, you will not be allowed out of the country now for longer than 4 weeks in 1 12 month period.
Its almost like the govt have decided that DSP is a payment in leui of work and as such, you can only have 4 weeks holiday pay. Its a nasty view of people who cant work, and I think punishment that they think should be met out.
So, in other words, sit there, and be miserable, while those who write the rules feel good that they feel that justice in their minds is served................
I am forbidden to use the C bomb word to describe what I think of those who make up the rules. Those people who salary sacrifice, divert funds to elsewhere, and then take a nice little earner and spend it where and when they wish!!!
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Post by Deleted on Jan 22, 2016 17:39:49 GMT 7
As far as I am aware, because Centrelink payments are tax-free, your taxation is confined to the money you earn from working. Normal tax-free threshold then applies. When you work whilst on the DSP, you can earn a certain amount each week without getting anything deducted from your DSP. After that money is deducted (I think) at 40 cents in the dollar. I agree with Banjo....it's still worth working. Any extra money makes a difference. I work part-time myself. DSP payment is not included as taxable income. Newstart is though. |
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Post by immiadvice on Jan 23, 2016 0:30:08 GMT 7
I'd work if I could. An extra $350 per fortnight would come in ultra handy.
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Post by chris on Jan 23, 2016 18:58:51 GMT 7
I'd work if I could. An extra $350 per fortnight would come in ultra handy. That's the upside.
The downside is she has her partner on her back complaining of the loss of $180.
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Post by Deleted on Jan 23, 2016 19:06:40 GMT 7
oops
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Post by Deleted on Jan 23, 2016 19:08:56 GMT 7
I think commas are needed!!!
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Post by immiadvice on Jan 23, 2016 23:56:37 GMT 7
I'd work if I could. An extra $350 per fortnight would come in ultra handy. That's the upside.
The downside is she has her partner on her back complaining of the loss of $180.
I believe the combined income was +$350. If they don't share then why are they in a relationship? Would it be fair if one was earning $500k/year and their partner received welfare? The DSP is means tested (except DSP-blind). If you are in a relationship it is tested against both incomes. That is fair for everyone. |
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Post by bern22 on Jan 27, 2016 11:32:05 GMT 7
Thank you all for your comments.
I am in a relationship , And have been for 30 yrs. we both recieve a pension in seperate accounts. I am now on my 4th week @ work & enjoying the experience. I am hanging in there and hoping everything works out ok?
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Post by Banjo on Jan 27, 2016 15:38:43 GMT 7
Best of luck Bern, I hope it all works out for you.
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Post by gized on May 11, 2016 18:34:05 GMT 7
Hi Bern, I think it is for many reasons. Socially your out and about, you still have extra income, your pay plus some pension. Yes, it is worth working. You could stop and receive the pension if that's your only form of income. See if you can manage on that and ifyoyd lifestyle suits you both.
Best if luvk.
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