Written and reviewed by Mary Benton — Australian financial planner specialising in retirement, practising since 2005. About Mary · How we source our figures
Common Situations & Solutions | RetirementCalculators.com.au

Common Situations & Solutions

Life changes, and when it does, your Centrelink payments often need to change too. These guides cover the most common situations our readers face — from receiving an inheritance to dealing with payment problems.

⏰ Critical Deadlines to Remember

14 days
to report changes
13 weeks
to request review
6 weeks
overseas travel limit
$300
Work Bonus/fortnight

💡 Life Changes

Inheritance, moving house, and relationship changes all require notification to Centrelink within 14 days.

⚠️ Problems & Appeals

Payment stopped? Disagree with a decision? Got a debt? You have 13 weeks to request a review.

💼 Working on Pension

The Work Bonus shields $300/fn of employment income from the income test.

Situation Guides

Click on any situation below to read the full guide with step-by-step instructions.

💰

Inheritance & Windfall Guide

Received money or property unexpectedly? Learn how to report it, understand the impact on your pension, and explore your options.

Covers: inheritances, insurance payouts, lottery wins, gifts, property sales
Read Guide →
🏠

Moving House Guide

Moving locally, interstate, or planning overseas travel? Know what to tell Centrelink and how it affects your payments.

Covers: address changes, downsizing, moving in with family, overseas travel rules
Read Guide →
💑

Relationship Changes Guide

Starting a relationship, separating, or becoming widowed? Your payment rate will change — here's what to expect.

Covers: marriage, de facto, separation, divorce, bereavement
Read Guide →
⚖️

Appeals Process Guide

Disagree with a Centrelink decision? Learn how to request an internal review and appeal to the AAT if needed.

Covers: internal review, AAT appeals, evidence gathering, success rates
Read Guide →
📋

Centrelink Debts Guide

Told you owe money to Centrelink? Don't panic. Learn how to check the calculation, dispute errors, and arrange payments.

Covers: debt reviews, payment plans, hardship, recovery methods
Read Guide →
💼

Working While on Pension

Want to keep working? Learn how the Work Bonus protects your pension and how to report your income correctly.

Covers: Work Bonus, income reporting, self-employment, volunteering
Read Guide →

Need Personalised Help?

Complex situations often need professional guidance. Get expert help to navigate Centrelink correctly.

Accuracy Note: Whilst every effort has been made to provide current and accurate information, if you spot a factual error, please let me know via the Contact Us page so I can fix it ASAP.

Source: Services Australia (servicesaustralia.gov.au)

Last reviewed: March 2026

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