Relief delayed by start date
Coalition speakers argued the bill should have started earlier, saying older Australians missed out on support because the government delayed the increase rather than implementing it sooner.
This bill became law on Oct 28th, 2022.
Welfare & housing
More older Australians can get the Commonwealth Seniors Health CardA federal concession card for older people who do not get a pension payment, giving access to cheaper medicines and some health cost discounts. because the single income limit rises to $90,000 a year.
The Commonwealth Seniors Health CardA federal concession card for older people who do not get a pension payment, giving access to cheaper medicines and some health cost discounts. income limits were too low, leaving some older Australians and separated couples without access to cheaper medicines and other health concessions. This bill raises the limits to $90,000 for singles and $144,000 for couples, applies the higher single limit to some separated couples, and makes those changes operate from commencementThe date or dates when the new law starts to operate; for this bill, Schedule 1 commenced on 4 November 2022, seven days after Royal Assent on 28 October 2022. of Schedule 1 on 4 November 2022, seven days after Royal AssentThe final step that turns a bill passed by Parliament into an Act of law. on 28 October 2022.
The Commonwealth Seniors Health CardA federal concession card for older people who do not get a pension payment, giving access to cheaper medicines and some health cost discounts. already existed, but its income limits were low enough that some self-funded retirees and some couples living apart because of illness, respite care or imprisonment missed out on cheaper medicines and other concessions as living costs climbed. After both major parties backed higher thresholds during the 2022 election campaign, the Albanese government introduced this bill to lift the limits; Parliament later passed amended text that made Schedule 1 commence on 4 November 2022, seven days after Royal AssentThe final step that turns a bill passed by Parliament into an Act of law. on 28 October 2022.
The main criticism was not of the policy itself but of its timing and limited reach: opponents said the government delayed relief for seniors and that the bill only made a modest change without tackling wider income support problems. Those concerns came mainly from Coalition speakers attacking the later start date and from the Greens arguing broader poverty measures were still needed, while no party represented in the debate opposed the bill overall.
Hon Amanda Rishworth MP introduced this bill. It passed on the voices.
Did it become law?
Yes
Became law 28 Oct 2022
Final passage
Passed without a counted vote
5 recorded amendment or procedural votes were found, but no counted vote on the bill itself was recorded.
Passage speed
93 days
From introduction to the latest recorded parliamentary step
Meaning
More older Australians can get the Commonwealth Seniors Health CardA federal concession card for older people who do not get a pension payment, giving access to cheaper medicines and some health cost discounts. because the single income limit rises to $90,000 a year.
Couples can keep or qualify for the Commonwealth Seniors Health CardA federal concession card for older people who do not get a pension payment, giving access to cheaper medicines and some health cost discounts. on higher incomes because the couple limit rises to $72,000 each, or $144,000 combined.
People living apart because of illness or respite care, or whose partner is in jail, get the higher $90,000 single-person limit instead of the old lower cap.
The higher income limits will keep rising with inflation from 20 September each year, with the next yearly increase worked out from the new $90,000 and $72,000 figures in 2023.
The higher limits apply when deciding if someone qualifies for a Commonwealth Seniors Health CardA federal concession card for older people who do not get a pension payment, giving access to cheaper medicines and some health cost discounts. from the start of these amendments, not just for new claims lodged later.
Increasing the Commonwealth Seniors Health Card income test limits will allow more individuals access to relevant pharmaceutical and medical benefits. This Schedule increases the income test limit for a single person, a member of illness separated couple, a member of respite care couple, and a member of a partnered (partner in gaol) couple from $50,000 to $90,000. It also increases the income test limit for each member of a couple from $40,000 to $72,000, meaning a new income test limit of $144,000 combined.Social Services and Other Legislation Amendment (Lifting the Income Limit for the Commonwealth Seniors Health Card) explanatory memorandum
Item 2 amends table item 2, column 3 of point 1071-12 to omit “$40,000” and substitute “$72,000”. This reflects the increase to the Commonwealth Seniors Health Card income test limit for persons who are members of a couple to $72,000 per person (or $144,000 combined) per year.Social Services and Other Legislation Amendment (Lifting the Income Limit for the Commonwealth Seniors Health Card) explanatory memorandum
Omit “$50,000”, substitute “$90,000”.Social Services and Other Legislation Amendment (Lifting the Income Limit for the Commonwealth Seniors Health Card) as-passed bill text
(5BB) For the purposes of working out the indexed amount for the seniors health card income limit on 20 September 2023, the current figure for the seniors health card income limit immediately before that day is taken to be:Social Services and Other Legislation Amendment (Lifting the Income Limit for the Commonwealth Seniors Health Card) as-passed bill text
(1) The amendments of the Social Security Act 1991 made by this Schedule apply in relation to working out whether a person qualifies for a seniors health card on a day occurring on or after the day this item commences.Social Services and Other Legislation Amendment (Lifting the Income Limit for the Commonwealth Seniors Health Card) as-passed bill text
Context
The Commonwealth Seniors Health CardA federal concession card for older people who do not get a pension payment, giving access to cheaper medicines and some health cost discounts. already existed, but its income limits were low enough that some self-funded retirees and some couples living apart because of illness, respite care or imprisonment missed out on cheaper medicines and other concessions as living costs climbed. After both major parties backed higher thresholds during the 2022 election campaign, the Albanese government introduced this bill to lift the limits; Parliament later passed amended text that made Schedule 1 commence on 4 November 2022, seven days after Royal AssentThe final step that turns a bill passed by Parliament into an Act of law. on 28 October 2022.
Coalition promises higher Commonwealth Seniors Health CardA federal concession card for older people who do not get a pension payment, giving access to cheaper medicines and some health cost discounts. income limits
During the election campaign, the Coalition announced it would lift the singles threshold to $90,000 and the couple threshold to $144,000, putting a large eligibility increase on the national agenda.
Hansard ↗Government introduces bill to ease seniors' cost-of-living pressure
The Albanese government introduced the bill and said it would deliver its election commitment by expanding access to the card for seniors facing rising day-to-day costs.
Hansard ↗Original intended start date passes before final passage
The bill had originally been intended to apply from this date, but the as-passed text instead applied the higher thresholds from commencementThe date or dates when the new law starts to operate; for this bill, Schedule 1 commenced on 4 November 2022, seven days after Royal Assent on 28 October 2022. of Schedule 1 on 4 November 2022, seven days after Royal AssentThe final step that turns a bill passed by Parliament into an Act of law..
Hansard ↗Parliament passes the bill
Both houses agreed on the final text after dealing with Senate amendments, clearing the way for the expanded card access to become law.
Parliamentary timeline ↗Royal AssentThe final step that turns a bill passed by Parliament into an Act of law. makes the changes law
Royal AssentThe final step that turns a bill passed by Parliament into an Act of law. completed the process and locked in the higher income caps and related rule changes for eligible seniors and some separated couples.
Parliamentary timeline ↗Legislative route
The bill was formally presented to the chamber and read a first time, which starts its parliamentary journey.
Introduced and read a first time
A minister or sponsoring member moved the second reading, opening the main debate on the bill's purpose and principles.
Second reading moved
Referred to Committee (28/07/2022): Senate Community Affairs Legislation Committee; Committee report (24/08/2022)
Referred to committee
APH bill page notesThe bill reached this recorded parliamentary step.
The chamber agreed to the bill at second reading, meaning it accepted the bill in principle and allowed it to continue.
Second reading agreed to
The chamber agreed to the bill at third reading, which completed passage through that chamber. Later message exchanges with the other chamber were still recorded afterwards.
Third reading agreed to
The bill was formally presented to the chamber and read a first time, which starts its parliamentary journey.
Introduced and read a first time
A minister or sponsoring member moved the second reading, opening the main debate on the bill's purpose and principles.
Second reading moved
The bill reached this recorded parliamentary step.
The chamber agreed to the bill at second reading, meaning it accepted the bill in principle and allowed it to continue.
Second reading agreed to
The chamber considered amendments before the bill moved to the next stage.
Committee of the Whole debate
The chamber agreed to the bill at third reading, which completed passage through that chamber. Later message exchanges with the other chamber were still recorded afterwards.
Third reading agreed to
The bill reached this recorded parliamentary step.
The House dealt with Senate amendments or requests so both chambers could settle the bill in the same form.
Consideration of Senate message
The Senate dealt with the House response to amendments so both chambers could settle the bill in the same form.
Consideration of House of Reps message
Both houses passed the bill in the same form, completing parliamentary passage.
Finally passed both Houses
The Governor-General gave Royal AssentThe final step that turns a bill passed by Parliament into an Act of law., turning the bill into an Act.
Key criticism
The main criticism was not of the policy itself but of its timing and limited reach: opponents said the government delayed relief for seniors and that the bill only made a modest change without tackling wider income support problems. Those concerns came mainly from Coalition speakers attacking the later start date and from the Greens arguing broader poverty measures were still needed, while no party represented in the debate opposed the bill overall.
Criticism was narrow and mostly about start dates and scope, not the goal of expanding the card.
Relief delayed by start date
Coalition speakers argued the bill should have started earlier, saying older Australians missed out on support because the government delayed the increase rather than implementing it sooner.
Too narrow to address broader hardship
The Greens said the bill would help but was only a small step, and did not deal with the wider problem of inadequate income support for older people and others still living in poverty.
Further sources
Votes
The bill passed both chambers on the voices. The counted divisions below were about amendments or procedure, not final passage.
House agreed to the bill's third reading on the voices, so there is no list of individual Aye and No votes for final passage in that chamber.
Passed on the voices
In a voice vote, members call out Aye or No and the presiding officer judges which side has it. Individual names are only recorded if a formal division is called.
Senate agreed to the bill's third reading on the voices, so there is no list of individual Aye and No votes for final passage in that chamber.
Passed on the voices
In a voice vote, members call out Aye or No and the presiding officer judges which side has it. Individual names are only recorded if a formal division is called.
Amendments grouped by chamber. These cards include amendment outcomes recorded without a counted division.
House
Passed 74 to 67. Support came from Labor. Opposition came from Liberal Party, Nationals, Greens, Centre Alliance, and minor parties and independents. Minor-party and independent votes were split.
This was part of the House's handling of the Senate message before the bill was finally settled between the two chambers.
The House agreed to the amendments made by the Senate, so the bill could pass both chambers in the same form.
Carried on voices
The chamber decided this amendment without a counted division, so there is no list of individual Aye and No votes.
Senate
Passed 31 to 24. Support came from Labor and minor parties and independents. Opposition came from Liberal Party, Nationals, Jacqui Lambie Network, and One Nation. One cross-floor vote was recorded: Penny Allman-Payne (Greens) voted no. Greens had split recorded votes. Minor-party and independent votes were split.
The proposed change was agreed.
Passed 35 to 14. Support came from Liberal Party, Greens, Nationals, UAP, and minor parties and independents. Opposition came from Labor. Minor-party and independent votes were split.
This was a gag motion, not a policy decision on the bill itself.
Passed 35 to 14. Support came from Liberal Party, Greens, Nationals, UAP, and minor parties and independents. Opposition came from Labor. Minor-party and independent votes were split.
This was one of the committee-stage amendment votes that changed when parts of the bill would take effect.
Passed 32 to 15. Support came from Liberal Party, Greens, Nationals, and minor parties and independents. Opposition came from Labor. Minor-party and independent votes were split.
This added a new card entitlement rule to the bill's committee-stage amendments.
The APHThe parliamentary record source mentioned in the amendment outcomes as APH. progress record says 7 Government amendments were agreed without a counted division being collected by this run.
Carried on voices
The chamber decided this amendment without a counted division, so there is no list of individual Aye and No votes.
The APHThe parliamentary record source mentioned in the amendment outcomes as APH. progress record says 10 Opposition amendments were agreed without a counted division being collected by this run.
Carried on voices
The chamber decided this amendment without a counted division, so there is no list of individual Aye and No votes.
Due to the suspension of parliament following the death of Her Majesty Queen Elizabeth II, the bill to implement this commitment could not be passed in time for the increase to be implemented on 20 September 2022 as intended.
Defeated on voices
The chamber decided this amendment without a counted division, so there is no list of individual Aye and No votes.
The Senate agreed on voices to changes that staggered the start dates for several parts of the bill, set a later start for the work bonus rules, and added expiry settings for those changes.
Carried on voices
The chamber decided this amendment without a counted division, so there is no list of individual Aye and No votes.
The Senate agreed on voices to the same package of changes, which adjusted when different parts of the bill would begin and provided for expiry of the added provisions.
Carried on voices
The chamber decided this amendment without a counted division, so there is no list of individual Aye and No votes.
This list includes amendment votes, procedural votes and votes on the bill itself.
The parliamentary record also shows 7 Government amendments and 10 Opposition amendments agreed without a counted division.
Parliamentary debate
Start here — lead voices
Rishworth supports the bill and says it will deliver on an election commitment by lifting the Commonwealth seniors health cardA federal concession card for older people who do not get a pension payment, giving access to cheaper medicines and some health cost discounts. income limits so more self-funded retirees can get help with health and living costs.
Read in Hansard ↗Dean Smith says the opposition will support the bill because it carries a former coalition measure to lift the Commonwealth Seniors Health CardA federal concession card for older people who do not get a pension payment, giving access to cheaper medicines and some health cost discounts. income limits, but he criticises Labor for delaying the start date and rebranding the policy.
Read in Hansard ↗Sharkie supports the bill because it will help older Australians and self-funded retirees cope with cost-of-living pressures by expanding access to the Commonwealth Seniors Health CardA federal concession card for older people who do not get a pension payment, giving access to cheaper medicines and some health cost discounts. and related concessions.
Read in Hansard ↗Peter Khalil supports the bill, saying it will lift the income limits for the Commonwealth Seniors Health CardA federal concession card for older people who do not get a pension payment, giving access to cheaper medicines and some health cost discounts. and ease cost-of-living pressure for more self-funded retirees.
Read in Hansard ↗All speeches by bloc
7 speakers · 8 contributions · 7 support
“Over the first sitting fortnight of parliament, the Albanese Labor government has taken real action on issues that affect everyday Australians, and this particular bill will lift income limits for the Commonwealth seniors health card, seeing more self-funded retirees become eligible. The action of this bill would ease the increase in cost-of-living pressures that so many senior Australian face. It is something I am committed to in my electorate of Wills, and I know all my colleagues are on this side. In particular, this will ease the cost of concessional medicines and medical services, the importance of which we are all conscious of anyway, but even more so during the pandemic which we've experienced. This will mean an increase in the income limit to $90,000 for singles, up from $57,761, and $144,000 combined for couples, up from $92,416. This will expand access for more than 44,000 people from September this year, increasing to more than 52,000 people in the year 2026-2027. I commend the Minister for Social Services for introducing the legislation in the first sitting fortnight, showing that the Albanese Labor government understands the real cost-of-living pressures of Australians.”Read the full speech in Hansard ↗
Hansard records 2 separate contributions by Amanda Rishworth on this bill. They are grouped here so the speaker is listed once.
Minister's second reading speech
Rishworth supports the bill and says it will deliver on an election commitment by lifting the Commonwealth seniors health cardA federal concession card for older people who do not get a pension payment, giving access to cheaper medicines and some health cost discounts. income limits so more self-funded retirees can get help with health and living costs. She argues the change will ease cost-of-living pressures and expand access to PBSThe Commonwealth program that subsidises prescription medicines, making them cheaper for cardholders and other eligible people. and MedicareAustralia's public health system; on this page it is the source of some cardholder concessions and benefits. concessions.
“This bill is another bill that delivers on the election commitment of the Albanese government to increase the income limits for the Commonwealth seniors health card. This measure will take effect from 20 September 2022 and will ensure that more Australians qualify for the Commonwealth seniors health card, easing some of the cost-of-living pressures that so many seniors are currently facing.”Read this contribution in Hansard ↗
Second reading speech
Rishworth supports the bill and says it should pass quickly because it would expand access to the Commonwealth Seniors Health CardA federal concession card for older people who do not get a pension payment, giving access to cheaper medicines and some health cost discounts. for self-funded retirees. She describes the intended 20 September start date, notes concerns about timing because legislation was needed, and commends the bill to the House.
“H (—) (): I appreciate all the comments made by all sides of the chamber on this important bill. It is a timely bill and it is an important bill because it expands the number of Commonwealth seniors card recipients, who will be able to access the card from 20 September 2022. There are some concerns around the start date, and I want to put on the record that this measure requires legislation. That is why this side of the House and I have moved as quickly as we can in the first parliamentary sitting so that we can provide this relief to self-funded retirees as quickly as possible. On that note, and to get this through in a timely manner, I commend the bill to the House.”Read this contribution in Hansard ↗
“This bill is a very welcome cost-of-living relief for our older Australians. I know in my electorate and throughout the country this has been an issue that many have raised for so many years. The Albanese Labor government is delivering on our commitment. This will make a big difference to many seniors. We're committed to restoring affordable and accessible health care for all Australians.”Read the full speech in Hansard ↗
“This Bill delivers on an election commitment of the Albanese Government to increase the income limits for the Commonwealth Seniors Health Card (CSHC). Taking effect from 20 September 2022, this will ensure more Australians qualify for the CSHC, easing some of the cost-of-living pressures people are facing.”Read the full speech in Hansard ↗
“The Albanese government is committed, as we know, to easing cost-of-living pressures. This bill is a practical example that will support older Australians.”Read the full speech in Hansard ↗
“We're very pleased to have brought this forward to the parliament. We are very pleased that we are in government and able to get this done. It wasn't done by the previous government. It is being done by the Albanese Labor government. We are going to be helping 44,000 older Australians. They will become eligible for the benefits of the Commonwealth seniors health card. We're very pleased to get this done. I commend the bill to the House.”Read the full speech in Hansard ↗
“I rise to support this very important legislation. As the shadow minister indicated, it has the support of the opposition, and it's a realisation of a commitment that the Albanese Labor government made in relation to providing support for seniors in this country. Clearly, it's a very significant matter. As we know, there have been sufficient efforts to provide support for people. Cost-of-living pressures are such that we need to do what we can to alleviate those pressures. We have inherited probably one of the largest public debts any government in this country has inherited. It is now well over $1 trillion of debt—debt that was accumulated by the previous government, and most of which was accumulated prior to the pandemic. Whilst, of course, we supported measures by the previous government in responding to the pandemic, to support the economy, to support business and workers and the like, unfortunately I think in some part they failed. There was expenditure on rorts and other things that need to be cleaned up by this government. We want to make sure that seniors in this country are given support, and that's why we're looking to ensure that this legislation is passed. This will lift the income limit for the Commonwealth seniors health card. I disagree of course with the minister.”Read the full speech in Hansard ↗
5 speakers · 5 support
“It won't come as a surprise to people, but the opposition will be supporting the substantive elements of the Social Services and Other Legislation Amendment (Lifting the Income Limit for the Commonwealth Seniors Health Card) Bill 2022 because this bill actually gives effect to coalition initiatives when the coalition was in government previously.”Read the full speech in Hansard ↗
“Nevertheless, we will support the bill, because, even though it's later than they promised in the middle of the campaign, our view is: better late than never. And we'll never, obviously, say no to good coalition policy being adopted by the government.”Read the full speech in Hansard ↗
“It's disappointing that Labor have broken their promise to introduce this by 1 July. I'm sure that is particularly due to the ridiculous delay in the parliament sitting. I apologise to all of the self-funded retirees who have missed out on a fair access to this card from 1 July, but I'm hopeful that this bill will rapidly move through the House and the Senate, and that we can adopt it and give the entitlement to all. I commend the bill to the House.”Read the full speech in Hansard ↗
“We will of course be supporting this bill, as I said, because this was a coalition initiative, although it's disappointing to note that Labor have decided to push the start date out to 20 September.”Read the full speech in Hansard ↗
“Raising the threshold from $57,761 to $90,000 for singles and from $92,416 to $144,000 for couples is really quite a significant change that will benefit up to 44,000 new Australians who will be able to access the card. This is such a good idea that it was actually our policy in the last election, and I'm open to supporting anything that is sensible and reasonable that comes from the other side. We've also called for many other things for pensioners that are not related to this bill, but I support this bill, and I hope that the members of my electorate enjoy its rapid appearance through the due process once it gets up to the Senate.”Read the full speech in Hansard ↗
1 speaker · 1 support
“So, yes, we will support this bill because it's going to make life easier for people who are struggling with the cost of living. We acknowledge that; that's why we're supporting it. But there are so many people who aren't going to have their poverty addressed by this bill. We have an appalling gap in the rate of payments between what people are struggling on and what they need to survive. People are being forced to rely on income support payments that are way below the poverty line. We will support this bill. It's a good step forward. We need to be increasing our rate of support payments but we need to be doing more. We call upon this government, and we will keep calling upon this government, to raise the rate of income support across the board.”Read the full speech in Hansard ↗
1 speaker · 1 support
“To come back to this bill, this bill goes a long way to assisting our older Australians, and therefore I commend this bill to the House.”Read the full speech in Hansard ↗
Record
House · Introduced and read a first time
Introduced
The bill was formally presented to the chamber and read a first time, which starts its parliamentary journey.
House · Second reading moved
Second reading opened
A minister or sponsoring member moved the second reading, opening the main debate on the bill's purpose and principles.
House · Second reading debate
Second reading debate
The bill reached this recorded parliamentary step.
House · Second reading agreed to
Second reading agreed
The chamber agreed to the bill at second reading, meaning it accepted the bill in principle and allowed it to continue.
House · Third reading agreed to
Third reading agreed
The chamber agreed to the bill at third reading, which completed passage through that chamber.
Senate · Introduced and read a first time
Introduced
The bill was formally presented to the chamber and read a first time, which starts its parliamentary journey.
Senate · Second reading moved
Second reading opened
A minister or sponsoring member moved the second reading, opening the main debate on the bill's purpose and principles.
Senate · Second reading debate
Second reading debate
The bill reached this recorded parliamentary step.
Senate · Second reading agreed to
Second reading agreed
The chamber agreed to the bill at second reading, meaning it accepted the bill in principle and allowed it to continue.
Senate · Committee of the whole: amendments considered
Amendment packages agreed
The chamber considered amendments before the bill moved to the next stage.
Senate · Third reading agreed to
Third reading agreed
The chamber agreed to the bill at third reading, which completed passage through that chamber.
House · Message from Senate reported
Message from Senate reported
The bill reached this recorded parliamentary step.
House · Consideration of Senate message
House agreed to Senate amendments
The House dealt with Senate amendments or requests so both chambers could settle the bill in the same form.
Senate · Consideration of House of Reps message Details: Senate did not insist on its amendments
Senate did not insist on amendments
The Senate dealt with the House response to amendments so both chambers could settle the bill in the same form.
Parliament · Finally passed both Houses
Passed both houses
Both houses passed the bill in the same form, completing parliamentary passage.
Assent · Assent
Assent
The Governor-General gave Royal AssentThe final step that turns a bill passed by Parliament into an Act of law., turning the bill into an Act.
Senate Community Affairs Legislation Committee; Committee report (24/08/2022)
Referred to committee
Referred to Committee (28 July 2022): Senate Community Affairs Legislation Committee; Committee report (24 Aug 2022)
APH bill page notes