$200 Energy Rebate for Self Funded Retirees


NSW residents with are now able to apply for their Seniors Energy Rebate .


To qualify for this rebate, you must hold a Commonwealth Seniors Health Card (CSHC).

How to apply

To apply for your rebate, you will need your Commonwealth Seniors Health Card, a copy of your electricity bill, and details of the bank account you wish the rebate to be applied to.

Apply for the rebate here

What you need to know

Application online is very straightforward if you have a Service NSW account.

The $200 payment will not commence until October this year.

It is not clear whether the payment will automatically be processed in subsequent years, or it will need to be applied for annually.

The Commonwealth Seniors Health Card holder will need to be on the electricity account for the household.

Only one rebate is available per household.


The NSW Government estimates that there are around 130 000 holders of the Commonwealth Seniors Health Card in NSW.

It is likely there are many self-funded retirees that have not applied for the CSHC, and many more who hold the CSHC who will not make the most of this entitlement as soon as it is available.

Are you eligible?

The Commonwealth Seniors Health Card applies to Australians aged 66 and over, with an income of up to $54,929 a year for singles, and $87,884 for couples.

It is important to note that this is an income test, and not an asset test. While some assets are “deemed” to earn an income, assets can be quite substantial before a “deemed” income takes a single or couple over the limit.

For example - a couple with $2.5m in superannuation may still qualify.

Getting organised

The paperwork to apply for the Commonwealth Seniors Health Card can be difficult to complete if your income situation is only just changing (for example you have just retired), or if you are a member of a self-managed superannuation fund.

Later Life Advice can help you work out your eligibility and can help with the paperwork.

More benefits from the Commonwealth Seniors Health Card

Having a Commonwealth Seniors Health Card can offer some useful savings on medical costs.

A lower Medicare Safety Net as well as access to the Pharmaceutical benefits Scheme (PBS) can offer savings of more than $2500 per year (per person), and the likelihood of your local GP bulk-billing you will also save you money.

And there is also free Ambulance for holders of a Commonwealth Seniors Health Card.

These are important savings for Australians in later life.

Later Life Advice is focussed on your needs

We are an independent financial advice service. No conflicts. No big bank owners. No products to sell.

We work with our clients to apply for their entitlements, plan their spending and manage their savings.

There is a lot going on for older Australians right now why not keep in touch?

Brendan Ryan