Age Pension Enquiry

1. Officer · turn 1

   Good morning. Welcome to Services Australia. My name is Sarah, and I'll be assisting you today. How can I help you?

   早安，歡迎來到澳洲服務局。我叫莎拉，今天會由我協助您。請問有甚麼可以幫到您的？

2. Client · turn 2

   你好。我今年六十六歲，最近剛退休，想了解一下自己能不能申請澳洲的年齡退休金。

   Hello. I’m 66 years old and have recently retired. I’d like to find out whether I can apply for the Australian Age Pension.

3. Officer · turn 3

   Certainly. I'll need to ask you a few questions to determine whether you may be eligible. First, are you an Australian citizen or permanent resident?

   當然可以。我需要問您幾個問題，以確定您是否可能符合資格。首先，請問您是澳洲公民還是永久居民？

4. Client · turn 4

   我是澳洲永久居民，已經在澳洲住了十二年了，去年才正式退休。

   I’m an Australian permanent resident. I’ve lived in Australia for 12 years and officially retired only last year.

5. Officer · turn 5

   Thank you. Based on your age and residency, you appear to meet the basic eligibility requirements. The next step is to assess your income and assets, as the Age Pension is subject to both an income test and an assets test. Are you currently employed?

   謝謝。根據您的年齡和居住情況，您看來符合基本資格要求。下一步是評估您的收入和資產，因為年齡退休金同時受到收入審查和資產審查。您目前有工作嗎？

6. Client · turn 6

   我還有一份兼職工作，每個星期六和星期天在一間中文學校教書，一個星期工作兩天。

   I still have a part-time job teaching at a Chinese school every Saturday and Sunday, so I work two days a week.

7. Officer · turn 7

   Approximately how much do you earn before tax each week?

   您每星期的稅前收入大約是多少？

8. Client · turn 8

   我的時薪是三十澳元，每個星期大概工作十三個小時，所以稅前收入大約是三百九十澳元。

   My hourly rate is 30 Australian dollars, and I work approximately 13 hours each week, so my income before tax is about 390 dollars.

9. Officer · turn 9

   Thank you. Besides your employment income, do you receive any income from investments, rental properties or overseas pensions?

   謝謝。除了工作收入之外，您是否有任何投資、出租物業或海外退休金收入？

10. Client · turn 10

    沒有出租物業，也沒有海外退休金。不過我有一些銀行存款，每年都會有一點利息收入。

    I don’t have any rental properties or an overseas pension. However, I have some savings in the bank that earn a small amount of interest each year.

11. Officer · turn 11

    That's fine. We'll include any interest earned from your savings when we assess your claim. Could you also tell me approximately how much you have in your superannuation account?

    沒問題。我們評估您的申請時，會計入您從存款所得的利息。您也可以告訴我，您的退休公積金帳戶大約有多少錢嗎？

12. Client · turn 12

    我退休之前一直都有供退休金，現在退休金帳戶裡大概還有二十二萬澳元。

    I made superannuation contributions continuously before I retired, and there is currently about 220,000 Australian dollars in my superannuation account.

13. Officer · turn 13

    Thank you. Do you own the home you live in, or are you renting?

    謝謝。您目前居住的房屋是自置的，還是租住的？

14. Client · turn 14

    我住的是自己的房子，房貸幾年前已經還清了。

    I live in my own home, and I paid off the mortgage several years ago.

15. Officer · turn 15

    Understood. Your principal home is generally not counted under the assets test, but your superannuation, bank accounts and other financial assets may be assessable. We'll calculate your payment rate once we've reviewed all your financial information.

    明白。您的主要住所一般不會計入資產審查，但您的退休公積金、銀行帳戶及其他金融資產可能會被納入評估。我們審核您所有的財務資料後，會計算您的付款金額。

16. Client · turn 16

    明白。如果我的收入和資產超過限額，是不是就完全不能領退休金了？

    I understand. If my income and assets exceed the limits, does that mean I won’t be able to receive any pension at all?

17. Officer · turn 17

    Not necessarily. Even if you're not entitled to the full Age Pension, you may still qualify for a part pension. It depends on the outcome of both the income and assets tests.

    不一定。即使您無權領取全額年齡退休金，仍可能符合領取部分退休金的資格。這取決於收入審查和資產審查的結果。

18. Client · turn 18

    那太好了。我還想問一下，退休金多久發一次？

    That’s great. I’d also like to ask how often the pension is paid.

19. Officer · turn 19

    If your claim is approved, your Age Pension is generally paid fortnightly, which means you'll receive a payment every two weeks.

    如果您的申請獲得批准，年齡退休金一般每兩週發放一次，也就是說，您每兩個星期會收到一筆款項。

20. Client · turn 20

    如果我突然需要一筆錢，例如家裡要維修，可以提前領退休金嗎？

    If I suddenly need a sum of money—for example, to carry out repairs at home—can I receive some of my pension in advance?

21. Officer · turn 21

    Depending on your circumstances, you may be eligible to apply for an advance payment. If approved, you'll receive a lump sum upfront, and it will be repaid gradually through deductions from your future pension payments.

    視乎您的情況，您可能符合申請預支款項的資格。如果申請獲批，您會預先收到一筆整付金額，之後再從未來的退休金款項中逐步扣除以作償還。

22. Client · turn 22

    原來如此。那申請預支福利金會不會影響我以後每兩個星期收到的金額？

    I see. Will applying for an advance payment affect the amount I receive every fortnight afterwards?

23. Officer · turn 23

    Yes. Your future fortnightly payments will usually be reduced until the advance has been fully repaid. We'll explain exactly how much will be deducted before you decide whether to proceed.

    會的。您日後每兩週收到的款項通常會減少，直至預支款項全部償還為止。在您決定是否繼續申請之前，我們會向您詳細說明每次會扣除多少。

24. Client · turn 24

    明白了。如果以後我的收入增加，或者把房子賣了搬去跟孩子住，需要通知你們嗎？

    I understand. If my income increases in the future, or if I sell my house and move in with my children, do I need to notify you?

25. Officer · turn 25

    Yes. It's important that you notify Centrelink as soon as your financial or personal circumstances change. Failing to do so could result in an overpayment, and you may be required to repay the money.

    需要。如果您的財務或個人情況發生變化，務必盡快通知Centrelink。如果沒有通知，可能會導致多付款項，而您可能需要償還這筆錢。

26. Client · turn 26

    好的，我明白了。那我今天需要準備哪些文件？

    All right, I understand. What documents do I need to prepare today?

27. Officer · turn 27

    Please bring identification documents, your bank statements, superannuation details, proof of any investment income, and any documents relating to your assets. Once we've received everything, we'll assess your claim and notify you of the outcome in writing.

    請帶備身分證明文件、銀行結單、退休公積金資料、任何投資收入證明，以及與您的資產有關的文件。我們收到所有資料後，會評估您的申請，並以書面通知您結果。

28. Client · turn 28

    好的，非常感謝你的幫助。我會盡快把所有文件準備好。

    All right. Thank you very much for your help. I’ll prepare all the documents as soon as possible.

29. Officer · turn 29

    You're welcome. If you have any further questions while completing your application, please don't hesitate to contact us. Have a nice day.

    不客氣。如果您在填寫申請時有任何其他問題，請隨時聯絡我們。祝您有愉快的一天。

30. Client · turn 30

    好的，謝謝你，再見。

    All right. Thank you. Goodbye.

This is the read-only transcript view, for reviewing before or after a practice session.