A FREE GUIDE · 2026–27 FINANCIAL YEAR

10 Things Australian Retirees Are Owed — That Almost Nobody Claims

A free guide. Verified against the ATO and Services Australia for the 2026–27 financial year.

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What's inside

Each item names a specific entitlement, what it's broadly worth, who tends to qualify, and the kind of phone call or form that gets it moving.

The tax offset that lets a retiree earn around $32,600 tax-free
The Seniors and Pensioners Tax Offset — who qualifies and how it stacks.
The health card with no assets test that self-funded retirees miss
The Commonwealth Seniors Health Card — cheaper medicines and more, even above the pension cut-off.
The Work Bonus
Doing a bit of paid work without losing your pension — how much you can earn first.
The card a tiny part-pension unlocks
The Pensioner Concession Card — often worth far more than the small payment that unlocks it.
Rent Assistance
For the retirees who don't own their home — the supplement that quietly goes unclaimed.
Your home is CGT-free — and the six-year rule most people forget
How you can move out and still keep the main-residence exemption.
Catch-up super contributions
The concessional cap you didn't know carried forward for up to five years.
The downsizer contribution
Moving home-sale money into super, once, outside the usual caps.
Your super's tax-free and taxable split
Why knowing it now can save your children thousands in death-benefits tax.
The free government service almost no retiree has used
Services Australia's Financial Information Service — independent, and it costs nothing.

Who Steve is

Stephen Caldicott is the retired Australian accountant who presents this guide series. He spent nearly forty years in private practice on Sydney's North Shore, working with retirees and families on tax, super, the Age Pension, Centrelink and ATO matters. He retired in 2022.

He made this guide because he kept seeing the same gaps — retirees overpaying tax, missing entitlements, leaving money on the table because nobody had explained the rules.

Steve is a character, and the guide is not personal advice. It is general educational information about Australian tax, super, the Age Pension and Centrelink — verified against the ATO and Services Australia for the 2026–27 financial year. The figures are real; the face and voice are not.