DATE OF ISSUE:  22 DECEMBER 1995

DECEMBER 1995 QUARTERLY ADVICES

TABLE OF CONTENTS

Introduction..............................................................2

Associated Departmental Instructions..........................................2

Regulation 45a Certification..................................................2

Pensioners For Whom An Advice Will Be Generated...............................2

Components For The December Quarterly Advice Mailout:..............................3

DCAO & GA Indexation................................................3

Pharmaceutical Allowance - Cancellation For Pensioners Residing Overseas .........3

Financial Institutions ..................................................3

On-Line Shares 'global' Reassessment.....................................4

Mi 'global' Reassessment...............................................4

Advices General - Adp Processing...........................................................4

Timetable..........................................................5

Holding Of Daily Advices...............................................5

Despatch Of Quarterly Advices...........................................5

Reprint Of Selected Advices.............................................5

Liaison With Ferntree Computer Centre (NCC)...............................5

Contact Numbers.....................................................5

Attachment A - Mock-Up Advices.............................................6

Mock-Up Advices..............................................7

Introduction

The Department's Quarterly Advices facility has been designed to enhance communication between the Department and the veteran community.  In general, Quarterly Advices are sent in March, June, September and December of each year.  Advices are sent to service pensioners and income support supplement clients.

The size of the mailout is dependent on the issues (eg. Budget changes, June Tax Certificates etc) current at that time and in line with changes to frequency of advices which were introduced in September for implementation from this quarterly advice run.  Refer to Departmental Instruction No. B38/94.

2.The December 1995 Quarterly Advice mailout will incorporate the following events for pay-day 4 January 1995:

• DCAO & GA indexation;

• cancellation of pharmaceutical allowance for clients residing overseas;

• financial institutions reassessment;

• shares reassessment; and

• managed investment reassessment.

3.The reassessment processing run and advice production will be conducted on the weekend of 16/17 December 1995.  No fortnightly run for deprived assets, fees or Profit will be done prior to the weekend Quarterly Advice run.  FIs, MIs and shares refresh and end POG will be included as part of the 'global' processing.

4.The major reassessment program ("BAL") will be run to reassess cases affected by any of the events above.  Detailed ADP processing requirements will be sent separately to State System Support Officers.

Associated Departmental Instructions

5.The commission decision of April 1994 outlines general covering the issue of quarterly advices.  In addition, system support officers have been provided with copies of the rules for this processing run, entitled "December 1995 Quarterly Advices System Rules and Components" which contains details of paragraph wording.

6.The payment processing is scheduled from Friday evening 15 December till Sunday evening 17 December 1995.  A processing timetable appears later in this instruction.

Pensioners For Whom An Advice Will Be Generated

7.A quarterly advice is to be produced:

• where a pensioner has DCAO or GA amount that will be indexed;

• where a pension is varied as a result of pharmaceutical allowance cancellation from 4 January 1996 for clients residing overseas;

• where a service pensioner/income support supplement is varied as a result of the financial institutions run;

• where service pension/income support supplement is varied as a result of the shares reassessment run; and

• where service pension/income support supplement is varied as a result of the managed investments reassessment run.

Note 1:  Lane Print Group (Adelaide) will be printing advices for all states, which will be supplied on cartridge.

Special register and overseas advices will be printed at the NCC and forwarded to State Offices.

8.The estimated numbers of advices for this run is 20,000 clients.

Components for the December Quarterly Advice Mailout

Indexation - DCAO & GA

9.In general terms, family payments will be increased with effect from 4 January 1996.  DCAO and GA are to be increased in line with movements in the Consumer Price Index (CPI).

Quarterly Advice Processing - DCAO & GA

10.A quarterly advice will be produced for all pensioners who are in receipt of DCAO and GA and affected by indexation.  The range of paragraphs, the circumstances under which these will be applied and the paragraph wording are shown in the "December 1995 Quarterly Advices System Rules & Components" document.  Mock-up sample advices are at Attachment A.

Client Impact

11.Approximately 3,000 pensioner households will receive a quarterly advice regarding DCAO and GA indexation.

Pharmaceutical Allowance

Cancellation of PA for Overseas Clients

12.PA was introduced in 1990 to compensate pensioners for the cost of the Australian pharmaceutical patient contribution under the Pharmaceutical Benefits Scheme.  In the May 1994 budget, the Government announced that pensioners who live overseas will no longer be entitled to a payment of Pharmaceutical Allowance from 1/1/95.  Payment of PA is to be cancelled from payday 4 January 1996 for service pensioners residing overseas.

Financial Institutions

13.A 'Global reassessment run will be conducted for payday 4 January 1996.  SP and ISS pensioners receiving other than maximum rate (or reducing to less than maximum rate with effect from payday 4/1/96 and with financial institutions recorded in the assessment, will receive a financial institutions paragraph.

14.A 'Global' reassessment run will be conducted for payday 4 January 1996.  All shares will be reassessed.  Reassessment of on or post 19 August 1992 shares may have direct effect (due to the MI/Shares offsetting provisions) on the income assessed for managed investments.  SP/ISS pensioners receiving other than maximum rate (or reducing to less than maximum rate will effect from payday 4/1/96) and with shares recorded in the assessment will receive a shares paragraph.

Payments which may be affected include service pension, income support supplement, DCAO, and GA.  There may be increases, decreases or continuations associated with the shares reassessment.

Managed Investments

15.A 'Global reassessment run will be conducted for payday 4 January 1996.  SP and ISS pensioners receiving other than maximum rate (or reducing to less than maximum rate with effect from payday 4/1/96 and with managed investments recorded in the assessment, will receive a managed investments paragraph.

Payments which may be affected include service pension, income support supplement, DCAO, and GA.  There may be increases, decreases or continuations associated with the managed investments reassessment.

16.The range of paragraphs, the circumstances under which these will be applied and the paragraph wording are shown in the "December 1995 Quarterly Advices System Rules & Components" document.  Mock-up sample advices are at Attachment A.

Advices - General

ADP Processing

17.Detailed information regarding ADP Processing will be issued to State Systems Support Officers in a separate memorandum.  The Systems Support Officers will be issuing a local processing timetable and should be consulted on any matter concerning ADP Processing.

Timetable

18.Key time frames of advices are summarised below.  The first processing run will begin on the evening of Friday 15 December 1995.

DATE	EVENT
Fri 15 Dec 95	Cut off for pay period 13 (21/12/95).
Fri 15 Dec 95	Day 1 processing for pay day 14.  Daily advices from this processing to be despatched immediately.
Fri 15 Dec (pm) to Sat 16 Dec 95	BAL re-assessment run.
Sat 16 Dec 95	Quarterly Advices processing runs.
Mon 18 until cut off for payday 15	Examiner action on manual schedules for SP, DP. & QAs progressively lodged with Australia Post from 18 Dec to 22 Dec.

Holding of Daily Advices

19.Cases processed in advance for day 1 of 4 January 1996 should have the daily advice despatched prior to the Quarterly Advice being sent.

20.Daily payment advices produced after the processing run on 16/17 December 1995 for pay period 14 (4 January 1996) should be held by State Offices until confirmation is received from the Quarterly Advices Project Officer in National Office to release such advices.  This will ensure that pensioners who have pension variations processed for payday 4 January 1996 will receive their daily advice after the quarterly advice rather than in advance of it.

21.To minimise the number of daily advices to be held whilst quarterly advices are processed, it is suggested that only manual cases (and essential processing) should be processed for pay day 4 January 1996.  General pensions processing should continue unabated but should be submitted for the subsequent pay day ie. pay period

15 - 18 January 1996.

Despatch of Quarterly Advices

22.  The quarterly advices will be progressively lodged with Australia Post by the mailing house in Adelaide, during the period 18 December 1996 to 22 December 1996.  As soon as each State's advices have been lodged, the NO Project Officer will advise the appropriate State contact officer.

Reprint of Selected Advices

23.Any requests for reprints of individual Quarterly Advices should be referred to State Office System Support Officers.

Liaison with Ferntree Computer Centre (NCC)

24.The Veterans Services Applications Branch will provide NCC with a schedule of computer runs for this exercise.  CO&R MSU Section will supply an after hours contact number closer to the processing date.

Contact numbers

25.Any enquiries on the December Quarterly Advice mailout should be directed to Danielle Moloney Communication, Operations and Review on (06) 289 6681.  Facsimile messages should be sent to (06) 289 6553.

PAUL MCBOW

A/DIRECTOR

COMMUNICATION, OPERATIONS AND REVIEW

Mock-up Samples

Mock-up 1

The first mock-up represents an advice type for a service pensioner couple affected by the reassessment of financial institutions and managed investment products.

Mock-up 2

This mock-up represents an advice type for a service pensioner couple affected by family payments and the reassessment to financial institutions and shares.

Mock-up 3

This mock-up represents an advice for a service pensioner couple affected by family payments, the reassessment to financial institutions, shares and managed investment reassessment.  This type of advice is the most complex scenario for the December mailout.

Mock-up 4

This mock-up represents an advice type for a service pension couple affected by the reassessment of financial institutions and have there PA cancelled because they reside overseas.

Mock-up 5

This mock-up represents an advice type for an income support supplement client affected by the reassessment of financial institutions and managed investment products.

Mock-up 6

This mock-up represents an advice type for an income support supplement client affected by family payments and the reassessment to financial institutions and shares.

Mock-up 7

This mock-up represents an advice for an income support supplement client affected by family payments, the reassessment to financial institutions, shares and managed investment reassessment.  Along with mock-up three this type of advice is the most complex scenario for the December mailout.

SERVICE PENSIONER COUPLE - Financial Institutions & Managed Investments.

Commonwealth Department of Veterans' Affairs

STATE OFFICE

Centennial Plaza

280 Elizabeth Street

Sydney NSW 2000

Postal Address:

ARTHUR GUNNER

GPO Box 3994, Sydney NSW 2001

BARBARA GUNNER

1 BLACKPOWDER DRIVE

Telephone:

BOOMTOWN NSW 2222

Metropolitan residents:2137777

Country residents: 1800 257251

18 December 1995

YOUR FILE NUMBER IS NX543210

Dear Mr and Mrs Gunner

This letter gives you details of your pension payment from Veterans' Affairs.

Reassessment of Financial Institutions and Managed Investments

Financial institutions have been reassessed for payday 4 January 1996.  The income and asset values for all your financial institutions and managed investments are detailed separately in this letter.

Payment Details

The fortnightly rate of pension you will receive from 4 January 1996 is set out below.

PAYMENTS TO ARTHUR GUNNER and BARBARA GUNNER

TOTAL FORTNIGHTLY PAYMENT	$228.00	$228.00
Comprising:
-Service pension	225.30	225.30
-Pharmaceutical allowance	2.70	2.70

Deposit Accounts

Account Name and Reference Number	Account Balance	Interest Rate	Actual Income PF
NT CREDIT SOCIETY LTD REDILINK ACCESS 96714	$10.00	1.75%	$0.00
ANZ BANK ACCESS 578234399	$350.00	1.25%	$0.16

Note that the interest rate on all of the above accounts will be updated automatically each quarter.

Term Deposits, Overseas accounts, Cash and other accounts

Account Name and Reference Number	Account Balance	Interest Rate	Actual Income PF
ANZ BANK 530289	$6,500.00	8.00%	$20.00
NT CREDIT SOCIETY LTD TERM DEPOSIT 18716	$500.00	6.00%	$1.15

Note that the update of the interest rate on all accounts in the above table will occur if you advise of a change to the rate. There is no automatic update of interest rates on these accounts.

Managed Investments

Managed Investment	Units	Asset Value	Rate of Return/Cents Per Unit	Fee Deduction Per Fortnight	Income Per Fortnight (Less Fee Deduction)
MANCHESTER UNITY HIBERNIAN FRIENDLY SOCIETY -S- FLEXISHIELD BOND Ongoing Income Only	N/A	$9,136.78	8.100%	N/A	$28.46
SCHRODES AUSTRALIA MANAGEMENT LTD - N - PROPERTY FUND - ORDINARY UNITS Income Plus Capital Growth	2,387	$5,203.66	22.000c	N/A	$20.19
TOTAL MANAGED INVESTMENT INCOME FOR PENSION PURPOSES					$48.65

GUIDE TO TABLE

Ongoing Income Only - Income is assess as it accrues based upon any dividends and any rise or fall in the value of the investment over a 12 month period, and only whilst the investment is held.

Income Plus Capital Growth - In addition to any income distributions that may currently be assessed, capital growth may also be accessible if the investment matures, or it is sold, surrendered, transferred, gifted, or it is fully or partially withdrawn.

Your Right of Review

If you do not agree with a decision affecting your rate of service pension, you may apply to have it reviewed by a delegate of the Repatriation Commission.  The Delegate may decide the original decision was correct, or may decide to change it.  If the decision is changed, your pension may be increased or reduced.

Any request for a review must be made in writing within three months of the day you receive this letter.  Your letter should state the specific grounds for your request for review.

Your Obligations to the Department

Your obligations have been explained to you in previous advices.  These obligations still apply, but the relevant income and asset levels may have changed.  These are shown below.

Your service pension is paid under the income test at less than the maximum rate.  You must tell the Department within 21 days if your combined income (apart from Veterans' Affairs pensions) rises above $797 a fortnight.  You must also tell us if the value of your assets rises above $240,000.

You can do this by telephoning or writing to us or by visiting any Department of Veterans' Affairs office.  If you telephone, we may ask you to confirm information in writing or to send us certain documents which are related to the matter.

If you do not tell us of these changes you may be overpaid.  Penalties apply for failing to fulfil your obligations or for providing false or misleading information.  The authority for this obligation is under Section 54 of the Veterans' Entitlements Act.

Changes You Have Already Told Us About

If you have told us recently about a change to your income and assets or your domestic situation, it may not have been processed before this letter was sent.  If so, we will send you another letter as soon as the change has been finalised.

If you have any questions about any of the above matters, please contact this office at the address or telephone number shown at the top of this letter.

Yours sincerely,

G K Stonehouse

Deputy Commissioner as

Delegate of the Secretary

SERVICE PENSIONER COUPLE  - Family Payments, Financial Institutions and Shares (pre 19/8/92).

Commonwealth Department of Veterans' Affairs

STATE OFFICE

Centennial Plaza

280 Elizabeth Street

Sydney NSW 2000

Postal Address:

BRIAN HAMMEL

GPO Box 3994, Sydney NSW 2001

SUSAN HAMMEL

1 ROUND CIRCUIT

Telephone:

CAPITAL NSW 2111

Metropolitan residents: 213 7777

Country residents: 008 257251

18 December 1995

YOUR FILE NUMBER IS NX555550

Dear Mr and Mrs Hammel

This letter gives you details of your pension payment from Veterans' Affairs.

Child Related Payments

Child payments have been increased in line with movements in the consumer price index (CPI).  The new rates will be paid on pay day 4 January 1996.

Reassessment of Financial Institutions and Shares

Financial institutions and shares have been reassessed for pay day 4 January 1996.  The income and asset values for all your financial institutions and listed shares are detailed separately in this letter.

Payment Details

The fortnightly rate of pension you will receive from 4 January 1996 is set out below.

PAYMENTS TO BRIAN HAMMEL and SUSAN HAMMEL

TOTAL FORTNIGHTLY PAYMENT	$267.90	$202.70
Comprising:
-Service pension	200.00	200.00
-Dependant Child Add-On	64.40
-Pharmaceutical Allowance	2.70	2.70

Deposit Accounts

Account Name and Reference Number	Account Balance	Interest Rate	Actual Income PF
NT CREDIT SOCIETY LTD REDILINK ACCESS 96714	$10.00	1.75%	$0.00
ANZ BANK ACCESS 578234399	$350.00	1.25%	$0.16

Note that the interest rate on all of the above accounts will be updated automatically each quarter.

Shares and Securities assessed as PRE 19 August 1992 acquisitions.

Share	No of shares	Asset Value	Dividend (Cents per share)	Income Per Fortnight
CRA LTD. - $1.00 ORDINARY FULLY PAID	5,200	$32,240	7.2129	$14.40
BROKEN HILL PTY LTD - $1.00 ORDINARY FULLY PAID	3,540	$49,614	8.5996	$11.70
M.I.M. HOLDINGS LTD - $0.50 ORDINARY FULLY PAID	1,100	$4,950	9.1980	$3.89
TOTAL PRE 19/8/92 SHARE INCOME FOR PENSION PURPOSES					$29.99

Your Right of Review

If you do not agree with a decision affecting your rate of service pension, you may apply to have it reviewed by a delegate of the Repatriation Commission.  The Delegate may decide the original decision was correct, or may decide to change it.  If the decision is changed, your pension may be increased or reduced.

Any request for a review must be made in writing within three months of the day you receive this letter.  Your letter should state the specific grounds for your request for review.

Your Obligations to the Department

Your obligations have been explained to you in previous advices.  These obligations still apply, but the relevant income and asset levels may have changed.  These are shown below.

Your service pension is paid under the income test at less than the maximum rate.  You must tell the Department within 21 days if your combined income (apart from Veterans' Affairs pensions) rises above $797 a fortnight.  You must also tell us if the value of your assets rises above $240,000.

You can do this by telephoning or writing to us or by visiting any Department of Veterans' Affairs office.  If you telephone, we may ask you to confirm information in writing or to send us certain documents which are related to the matter.

If you do not tell us of these changes you may be overpaid.  Penalties apply for failing to fulfil your obligations or for providing false or misleading information.  The authority for this obligation is under Section 54 of the Veterans' Entitlements Act.

Changes You Have Already Told Us About

If you have told us recently about a change to your income and assets or your domestic situation, it may not have been processed before this letter was sent.  If so, we will send you another letter as soon as the change has been finalised.

If you have any questions about any of the above matters, please contact this office at the address or telephone number shown at the top of this letter.

Yours sincerely,

G K Stonehouse

Deputy Commissioner as

Delegate of the Secretary

SERVICE PENSIONER COUPLE WITH  - Family Payments, Financial Institutions, Shares (pre & post 19/8/92) and Managed Investments.

Commonwealth Department of Veterans' Affairs

STATE OFFICE

Centennial Plaza

280 Elizabeth Street

Sydney NSW 2000

Postal Address:

TOM POUNDER

GPO Box 3994, Sydney NSW 2001

HELEN POUNDER

100 FIRE LANE

Telephone:

BATTERY TOWN 2456

Metropolitan residents: 213 7777

Country residents: 008 257251

18 December 1996

YOUR FILE NUMBER IS NX121212

Dear Mr and Mrs Pounder

This letter gives you details of your pension payment from Veterans' Affairs.

Child Related Payments

Child payments have been increased in line with movements in the consumer price index (CPI).  The new rates will be paid on payday 4 January 1996.

Reassessment of Financial Institutions, Managed Investments and Shares

Financial institutions, Managed investments and shares have been reassessed for payday 4 January 1996.  The income and asset values for all your financial institutions, managed investments and shares are detailed separately in this letter.

Payment Details

The fortnightly rate of pension you will receive from 4 January 1996 is set out below.

PAYMENTS TO TOM POUNDER and HELEN POUNDER

TOTAL FORTNIGHTLY PAYMENT	$289.10	$224.90
Comprising:
-Service pension	190.00	190.00
-Rent Assistance	32.20	32.20
-Dependant Child Add-On	64.20
-Pharmaceutical Allowance	2.70	2.70

Deposit Accounts

Account Name and Reference Number	Account Balance	Interest Rate	Actual Income PF
NT CREDIT SOCIETY LTD REDILINK ACCESS 96714	$10.00	1.75%	$0.00
ANZ BANK ACCESS 578234399	$350.00	1.25%	$0.16

Note that the interest rate on all of the above accounts will be updated automatically each quarter.

Term Deposits, Overseas accounts, Cash and other accounts

Account Name and Reference Number	Account Balance	Interest Rate	Actual Income PF
ANZ BANK 530289	$6,500.00	8.00%	$20.00
NT CREDIT SOCIETY LTD TERM DEPOSIT 18716	$500.00	6.00%	$1.15

Note that the update of the interest rate on all accounts in the above table will occur if you advise of a change to the rate. There is no automatic update of interest rates on these accounts.

Managed Investments

Managed Investment	Units	Asset Value	Rate of Return/ Cents Per Unit	Fee Deduction Per Fortnight	Income Per Fortnight (Less Fee Deduction)
MANCHESTER UNITY HIBERNIAN FRIENDLY SOCIETY - S - FLEXISHIELD BOND Ongoing Income Only	N/A	$19,136.7	-8.100%	N/A	-$59.61
SCHRODES AUSTRALIA MANAGEMENT LTD - N - PROPERTY FUND - ORDINARY UNITS	2,387	$5,203.66	22.000c	N/A	$20.19
MANAGED INVESTMENT INCOME FOR PENSION PURPOSES					-$39.42

GUIDE TO TABLE

Ongoing Income Only - Income is assessed as it accrues based upon any dividends and any rise or fall in the value of the investment over a 12 month period, and only whilst the investment is held.

Income Plus Capital Growth - In addition to any income distributions that may currently be assessed, capital growth may also be accessible if the investment matures, or it is sold, surrendered, transferred, gifted, or it is fully or partially withdrawn.

Shares and Securities assessed as ON or POST 19 August 1992 acquisitions.

Share	No. of Shares	Asset Value	Rate of Return	Income Per Fortnight
CRA LTD - $1.00 ORDINARY FULLY PAID	10,000	$12,000	25.00%	$115.38
BROKEN HILL PTY LTD - $1.00 ORDINARY FULLY PAID	4,127	$50,000	20.27%	$195.27
M.I.M. HOLDINGS LTD - $0.50 ORDINARY FULLY PAID	218	$2,184	-4.20%	-$3.42
LESS TOTAL FEE DEDUCTION AS DEDUCTIBLE INCOME					$57.24
ON OR POST 19/8/92 SHARE INCOME FOR PENSION PURPOSES					$249.99

OFFSETTING PROVISIONS

For pension purposes, any fees or negative income included in the assessment of managed investments or shares can be offset against any positive income assessed against ongoing managed investments or listed shares assessed as acquired on or post-19/8/92.  The total for fees, ongoing managed investment income and income for listed shares assessed as acquired on or post-19/8/92 is shown below.

Note: if this total is negative, no income is recorded for service pension purposes.

TOTAL INCOME FOR PENSION PURPOSES from ONGOING MANAGED INVESTMENTS and SHARES ASSESSED AS ACQUIRED ON OR POST 19/8/92

$210.57

Shares and Securities assessed as PRE 19 August 1992 acquisitions.

Share	No. of Shares	Asset Value	Dividend (Cents per Share)	Income Per Fortnight
CRA LTD -$1.00 ORDINARY FULLY PAID	5,200	$32,240	7.2129	$14.40
BROKEN HILL PTY LTD -$1.00 ORDINARY FULLY PAID	3,540	$49,614	8.5996	$11.70
M.I.M. HOLDINGS LTD -$0.50 ORDINARY FULLY PAID	1,100	$4,950	9.1980	$3.89
TOTAL PRE 19/8/92 SHARE INCOME FOR PENSION PURPOSES				$29.99

Your Right of Review

If you do not agree with a decision affecting your rate of service pension, you may apply to have it reviewed by a delegate of the Repatriation Commission.  The Delegate may decide the original decision was correct, or may decide to change it.  If the decision is changed, your pension may be increased or reduced.

Any request for a review must be made in writing within three months of the day you receive this letter.  Your letter should state the specific grounds for your request for review.

Your Obligations to the Department

Your obligations have been explained to you in previous advices.  These obligations still apply, but the relevant income and asset levels may have changed.  These are shown below.

Your service pension is paid under the income test at less than the maximum rate.  You must tell the Department within 21 days if your combined income (apart from Veterans' Affairs pensions) rises above $227 a fortnight.  You must also tell us if the value of your assets rises above $290,500.

You can do this by telephoning or writing to us or by visiting any Department of Veterans' Affairs office.  If you telephone, we may ask you to confirm information in writing or to send us certain documents which are related to the matter.

If you do not tell us of these changes you may be overpaid.  Penalties apply for failing to fulfil your obligations or for providing false or misleading information.  The authority for this obligation is under Section 54 of the Veterans' Entitlements Act.

Changes You Have Already Told Us About

If you have told us recently about a change to your income and assets or your domestic situation, it may not have been processed before this letter was sent.  If so, we will send you another letter as soon as the change has been finalised.

If you have any questions about any of the above matters, please contact this office at the address or telephone number shown at the top of this letter.

Yours sincerely,

G K Stonehouse

Deputy Commissioner as

Delegate of the Secretary

SERVICE PENSIONER COUPLE WITH  -  Financial Institutions, Overseas and PA cancelled.

Commonwealth Department of Veterans' Affairs

STATE OFFICE

Centennial Plaza

280 Elizabeth Street

Sydney NSW 2000

Postal Address:

HARYY HOWITZER

GPO Box 3994, Sydney NSW 2001

HORTENSE HOWITZER

1 EXPLOSIVE AVENUE

Telephone:

CRATERVILLE OVERSEAS

Metropolitan residents: 213 7777

Country residents: 008 257251

18 December 1996

YOUR FILE NUMBER IS NX121212NX121212

Dear Mr and Mrs Howitzer

This letter gives you details of your pension payment from Veterans' Affairs.

Pharmaceutical Allowance

A change to entitlement to pharmaceutical allowance will take affect from 4 January 1996.  This change is explained later in this letter.

Reassessment of Financial Institutions

Financial institutions have been reassessed for payday 4 January 1996.  The income and asset values for all your financial institutions are detailed separately in this letter.

Payment Details

The fortnightly rate of pension you will receive from 4 January 1996 is set out below.

PAYMENTS TO HARRY HOWITZER and HORTENSE HOWITZER

TOTAL FORTNIGHTLY PAYMENT	$215.30	$215.30
Comprising:
-Service pension	215.30	215.30

Deposit Accounts

Account Name and Reference Number	Account Balance	Interest Rate	Actual Income PF
NT CREDIT SOCIETY LTD REDILINK ACCESS 96714	$10.00	1.75%	$0.00
ANZ BANK ACCESS 578234399	$350.00	1.25%	$0.16

Note that the interest rate on all of the above accounts will be updated automatically each quarter.

Term Deposits, Overseas accounts, Cash and other accounts

Account Name and Reference Number	Account Balance	Interest Rate	Actual Income PF
ANZ BANK 530289	$6,500.00	8.00%	$20.00
NT CREDIT SOCIETY LTD TERM DEPOSIT 18716	$500.00	6.00%	$1.15

Note that the update of the interest rate on all accounts in the above table will occur if you advise of a change to the rate.  There is no automatic update of interest rates on these accounts.

Your Right of Review

If you do not agree with a decision affecting your rate of service pension, you may apply to have it reviewed by a delegate of the Repatriation Commission.  The Delegate may decide the original decision was correct, or may decide to change it.  If the decision is changed, your pension may be increased or reduced.

Any request for a review must be made in writing within three months of the day you receive this letter.  Your letter should state the specific grounds for your request for review.

Your Obligations to the Department

Your obligations have been explained to you in previous advices. These obligations still apply, but the relevant income and asset levels may have changed.  These are shown below.

Your service pension is paid under the income test at less than the maximum rate.  You must tell the Department within 21 days if your combined income (apart from Veterans' Affairs pensions) rises above $227 a fortnight.  You must also tell us if the value of your assets rises above $290,500.

You can do this by telephoning or writing to us or by visiting any Department of Veterans' Affairs office.  If you telephone, we may ask you to confirm information in writing or to send us certain documents which are related to the matter.

If you do not tell us of these changes you may be overpaid.  Penalties apply for failing to fulfil your obligations or for providing false or misleading information.  The authority for this obligation is under Section 54 of the Veterans' Entitlements Act.

Changes You Have Already Told Us About

If you have told us recently about a change to your income and assets or your domestic situation, it may not have been processed before this letter was sent.  If so, we will send you another letter as soon as the change has been finalised.

If you have any questions about any of the above matters, please contact this office at the address or telephone number shown at the top of this letter.

Yours sincerely

G K Stonehouse

Deputy Commissioner as

Delegate of the Secretary

INCOME SUPPORT SUPPLEMENT - Financial Institutions & Managed Investments.

Commonwealth Department of Veterans' Affairs

STATE OFFICE

Centennial Plaza

280 Elizabeth Street

Sydney NSW 2000

Postal Address:

MARILYN MUNROE

GPO Box 3994, Sydney NSW 2001

21 TOWER AVENUE

HOLLYWOOD NSW 3333

Telephone:

Metropolitan residents:2137777

Country residents: 1800 257251

18 December 1995

YOUR FILE NUMBER IS NX543210

Dear Mrs Munroe

This letter gives you details of your pension payment from Veterans' Affairs.

Reassessment of Financial Institutions and Managed Investments

Financial institutions and managed investments have been reassessed for payday 4 January 1996.  The income and asset values for all your financial institutions and managed investments are detailed separately in this letter.

Payment Details

The fortnightly rate of pension you will receive from 4 January 1996 is set out below.

PAYMENTS TO MARILYN MUNROE

TOTAL FORTNIGHTLY PAYMENT	$425.60
Comprising:
- War Widows Pension	350.10
- Income Support Supplement	70.30
- Pharmaceutical Allowance	5.40

Deposit Accounts

Account Name and Reference Number	Account Balance	Interest Rate	Actual Income PF
NT CREDIT SOCIETY LTD REDILINK ACCESS 96714	$10.00	1.75%	$0.00
ANZ BANK ACCESS 578234399	$350.00	1.25%	$0.16

Note that the interest rate on all of the above accounts will be updated automatically each quarter.

Term Deposits, Overseas accounts, Cash and other accounts

Account Name and Reference Number	Account Balance	Interest Rate	Actual Income PF
ANZ BANK 530289	$6,500.00	8.00%	$20.00
NT CREDIT SOCIETY LTD TERM DEPOSIT 18716	$500.00	6.00%	$1.15

Note that the update of the interest rate on all accounts in the above table will occur if you advise of a change to the rate.  There is no automatic update of interest rates on these accounts.

Managed Investments

Managed Investment	Units	Asset Value	Rate of Return/Cents Per Unit	Fee Deduction Per Fortnight	Income Per Fortnight (Less Fee Deduction)
MANCHESTER UNITY HIBERNIAN FRIENDLY SOCIETY -S- FLEXISHIELD BOND Ongoing Income Only	N/A	$9,136.78	8.100%	N/A	$28.46
SCHRODES AUSTRALIA MANAGEMENT LTD - N - PROPERTY FUND - ORDINARY UNITS Income Plus Capital Growth	2,387	$5,203.66	22.000c	N/A	$20.19
TOTAL MANAGED INVESTMENT INCOME FOR PENSION PURPOSES				$48.65

GUIDE TO TABLE

Ongoing Income Only - Income is assess as it accrues based upon any dividends and any rise or fall in the value of the investment over a 12 month period, and only whilst the investment is held.

Income Plus Capital Growth - In addition to any income distributions that may currently be assessed, capital growth may also be accessible if the investment matures, or it is sold, surrendered, transferred, gifted, or it is fully or partially withdrawn.

Your Right of Review

If you do not agree with a decision affecting your rate of income support supplement, you may apply to have it reviewed by a delegate of the Repatriation Commission.  The Delegate may decide the original decision was correct, or may decide to change it.  If the decision is changed, your pension may be increased or reduced.

Any request for a review must be made in writing within three months of the day you receive this letter.  Your letter should state the specific grounds for your request for review.

Your Obligations to the Department

Your obligations have been explained to you in previous advices.  These obligations still apply, but the relevant income and asset levels may have changed.  These are shown below.

Your income support supplement is paid under the income test at less than the maximum rate.  You must tell the Department within 21 days if your income (including your war widows pension) rises above $xxx a fortnight.  You must also tell us if the value of your assets rises above $xxx,xxx.

You can do this by telephoning or writing to us or by visiting any Department of Veterans' Affairs office.  If you telephone, we may ask you to confirm information in writing or to send us certain documents which are related to the matter.

If you do not tell us of these changes you may be overpaid.  Penalties apply for failing to fulfil your obligations or for providing false or misleading information.  The authority for this obligation is under Section 54 of the Veterans' Entitlements Act.

Changes You Have Already Told Us About

If you have told us recently about a change to your income and assets or your domestic situation, it may not have been processed before this letter was sent.  If so, we will send you another letter as soon as the change has been finalised.

If you have any questions about any of the above matters, please contact this office at the address or telephone number shown at the top of this letter.

Yours sincerely,

G K Stonehouse

Deputy Commissioner as

Delegate of the Secretary

INCOME SUPPORT SUPPLEMENT  - Family Payments, Financial Institutions and Shares (pre 19/8/92).

Commonwealth Department of Veterans' Affairs

STATE OFFICE

Centennial Plaza

280 Elizabeth Street

Sydney NSW 2000

Postal Address:

PHILLIS DILLA

GPO Box 3994, Sydney NSW 2001

55 FRUITLOOP STREET

BOOMTOWN NSW 4444

Telephone:

Metropolitan residents: 213 7777

Country residents: 008 257251

18 December 1995

YOUR FILE NUMBER IS NX555550

Dear Mrs Dilla

This letter gives you details of your pension payment from Veterans' Affairs.

Child Related Payments

Child payments have been increased in line with movements in the consumer price index (CPI).  The new rates will be paid on pay day 4 January 1996.

Reassessment of Financial Institutions and Shares

Financial institutions and shares have been reassessed for pay day 4 January 1996.  The income and assets values for all your financial institutions and listed shares are detailed separately in this letter.

Payment Details

The fortnightly rate of pension you will receive from 5 January 1996 is set out below.

PAYMENTS TO PHILLIS DILLA

TOTAL FORTNIGHTLY PAYMENT	$442.50
Comprising:
-War Widows Pension	350.10
-Income Support Supplement	22.80
-Dependant Child Add-On	64.40
-Pharmaceutical Allowance	5.40

Deposit Accounts

Account Name and Reference Number	Account Balance	Interest Rate	Actual Income PF
NT CREDIT SOCIETY LTD REDILINK ACCESS 96714	$10.00	1.75%	$0.00
ANZ BANK ACCESS 578234399	$350.00	1.25%	$0.16

Note that the interest rate on all of the above accounts will be updated automatically each quarter.

Shares and Securities assessed as PRE 19 August 1992 acquisitions.

Share	No of shares	Asset Value	Dividend (Cents per share)	Income Per Fortnight
CRA LTD. - $1.00 ORDINARY FULLY PAID	5,200	$32,240	7.2129	$14.40
BROKEN HILL PTY LTD - $1.00 ORDINARY FULLY PAID	3,540	$49,614	8.5996	$11.70
M.I.M. HOLDINGS LTD - $0.50 ORDINARY FULLY PAID	1,100	$4,950	9.1980	$3.89
TOTAL PRE 19/8/92 SHARE INCOME FOR PENSION PURPOSES				$29.99

Your Right of Review

If you do not agree with a decision affecting your rate of income support pension, you may apply to have it reviewed by a delegate of the Repatriation Commission.  The Delegate may decide the original decision was correct, or may decide to change it.  If the decision is changed, your pension may be increased or reduced.

Any request for a review must be made in writing within three months of the day you receive this letter.  Your letter should state the specific grounds for your request for review.

Your Obligations to the Department

Your obligations have been explained to you in previous advices.  These obligations still apply, but the relevant income and asset levels may have changed.  These are shown below.

Your income support supplement is paid under the income test at less than the maximum rate.  You must tell the Department within 21 days if your income (including your war widows pension) rises above $xxx a fortnight.  You must also tell us if the value of your assets rises above $xxx,xxx.

You can do this by telephoning or writing to us or by visiting any Department of Veterans' Affairs office.  If you telephone, we may ask you to confirm information in writing or to send us certain documents which are related to the matter.

If you do not tell us of these changes you may be overpaid.  Penalties apply for failing to fulfil your obligations or for providing false or misleading information.  The authority for this obligation is under Section 54 of the Veterans' Entitlements Act.

Changes You Have Already Told Us About

If you have told us recently about a change to your income and assets or your domestic situation, it may not have been processed before this letter was sent.  If so, we will send you another letter as soon as the change has been finalised.

If you have any questions about any of the above matters, please contact this office at the address or telephone number shown at the top of this letter.

Yours sincerely,

G K Stonehouse

Deputy Commissioner as

Delegate of the Secretary

INCOME SUPPORT SUPPLEMENT WITH  - Family Payments, Financial Institutions, Shares (pre & post 19/8/92) and Managed Investments.

Commonwealth Department of Veterans' Affairs

STATE OFFICE

Centennial Plaza

280 Elizabeth Street

Sydney NSW 2000

Postal Address:

CINDY BRADY

GPO Box 3994, Sydney NSW 2001

4 BIG STREET

TINY TOWN NSW 2486

Telephone:

Metropolitan residents: 213 7777

Country residents: 008 257251

18 December 1996

YOUR FILE NUMBER IS NX121212

Dear Mrs Brady

This letter gives you details of your pension payment from Veterans' Affairs.

Child Related Payments

Child payments have been increased in line with movements in the consumer price index (CPI).  The new rates will be paid on payday 4 January 1996.

Reassessment of Financial Institutions, Managed Investments and Shares

Financial Institutions, managed investments and shares have been reassessed for payday 4 January 1996.  The income and assets values for all your financial institutions, managed investments and shares are detailed separately in this letter.

Payment Details

The fortnightly rate of pension you will receive from 4 January 1996 is set out below.

PAYMENTS TO CINDY BRADY

TOTAL FORTNIGHTLY PAYMENT	$451.70
Comprising:
-War Widows Pension	350.10
-Income Support Supplement	32.20
-Dependant Child Add-On	64.20
-Pharmaceutical Allowance	5.40

Deposit Accounts

Account Name and Reference Number	Account Balance	Interest Rate	Actual Income PF
NT CREDIT SOCIETY LTD REDILINK ACCESS 96714	$10.00	1.75%	$0.00
ANZ BANK ACCESS 578234399	$350.00	1.25%	$0.16

Note that the interest rate on all of the above accounts will be updated automatically each quarter.

Term Deposits, Overseas accounts, Cash and other accounts

Account Name and Reference Number	Account Balance	Interest Rate	Actual Income PF
ANZ BANK 530289	$6,500.00	8.00%	$20.00
NT CREDIT SOCIETY LTD TERM DEPOSIT 18716	$500.00	6.00%	$1.15

Note that the update of the interest rate on all accounts in the above table will occur if you advise of a change to the rate.  There is no automatic update of interest rates on these accounts.

Managed Investments

Managed Investment	Asset Value	Rate of Return/ Cents Per Unit	Fee Deduction Per Fortnight	Income Per Fortnight (Less Fee Deduction)
MANCHESTER UNITY HIBERNIAN FRIENDLY SOCIETY - S - FLEXISHIELD BOND Ongoing Income Only	$19,136.7	-8.100%	N/A	-$59.61
SCHRODES AUSTRALIA MANAGEMENT LTD - N - PROPERTY FUND - ORDINARY UNITS	$5,203.66	22.000c	N/A	$20.19
MANAGED INVESTMENT INCOME FOR PENSION PURPOSES					-$39.42

GUIDE TO TABLE

Ongoing Income Only - Income is assessed as it accrues based upon any dividends and any rise or fall in the value of the investment over a 12 month period, and only whilst the investment is held.

Income Plus Capital Growth - In addition to any income distributions that may currently be assessed, capital growth may also be accessible if the investment matures, or it is sold, surrendered, transferred, gifted, or it is fully or partially withdrawn.

Shares and Securities assessed as ON or POST 19 August 1992 acquisitions.

Share	No. of Shares	Asset Value	Rate of Return	Income Per Fortnight
CRA LTD - $1.00 ORDINARY FULLY PAID	10,000	$12,000	25.00%	$115.38
BROKEN HILL PTY LTD - $1.00 ORDINARY FULLY PAID	4,127	$50,000	20.27%	$195.27
M.I.M. HOLDINGS LTD - $0.50 ORDINARY FULLY PAID	218	$2,184	-4.20%	-$3.42
LESS TOTAL FEE DEDUCTION AS DEDUCTIBLE INCOME				$57.24
ON OR POST 19/8/92 SHARE INCOME FOR PENSION PURPOSES				$249.99

OFFSETTING PROVISIONS

For pension purposes, any fees or negative income included in the assessment of managed investments or shares can be offset against any positive income assessed against ongoing managed investments or listed shares assessed as acquired on or post-19/8/92.  The total for fees, ongoing managed investment income and income for listed shares assessed as acquired on or post-19/8/92 is shown below.

Note: if this total is negative, no income is recorded for service pension purposes.

TOTAL INCOME FOR PENSION PURPOSES from ONGOING MANAGED INVESTMENTS and SHARES ASSESSED AS ACQUIRED ON OR POST 19/8/92

$210.57

Shares and Securities assessed as PRE 19 August 1992 acquisitions.

Share	No. of Shares	Asset Value	Dividend (Cents per Share)	Income Per Fortnight
CRA LTD -$1.00 ORDINARY FULLY PAID	5,200	$32,240	7.2129	$14.40
BROKEN HILL PTY LTD -$1.00 ORDINARY FULLY PAID	3,540	$49,614	8.5996	$11.70
M.I.M. HOLDINGS LTD -$0.50 ORDINARY FULLY PAID	1,100	$4,950	9.1980	$3.89
TOTAL PRE 19/8/92 SHARE INCOME FOR PENSION PURPOSES				$29.99

Your Right of Review

If you do not agree with a decision affecting your rate of income support supplement, you may apply to have it reviewed by a delegate of the Repatriation Commission.  The Delegate may decide the original decision was correct, or may decide to change it.  If the decision is changed, your pension may be increased or reduced.

Any request for a review must be made in writing within three months of the day you receive this letter.  Your letter should state the specific grounds for your request for review.

Your Obligations to the Department

Your obligations have been explained to you in previous advices.  These obligations still apply, but the relevant income and asset levels may have changed.  These are shown below.

Your income support supplement is paid under the income test at less than the maximum rate.  You must tell the Department within 21 days if your income (including your war widows pension) rises above $xxx a fortnight.  You must also tell us if the value of your assets rises above $xxx,xxx.

You can do this by telephoning or writing to us or by visiting any Department of Veterans' Affairs office.  If you telephone, we may ask you to confirm information in writing or to send us certain documents which are related to the matter.

If you do not tell us of these changes you may be overpaid. Penalties apply for failing to fulfil your obligations or for providing false or misleading information.  The authority for this obligation is under Section 54 of the Veterans' Entitlements Act.

Changes You Have Already Told Us About

If you have told us recently about a change to your income and assets or your domestic situation, it may not have been processed before this letter was sent.  If so, we will send you another letter as soon as the change has been finalised.

If you have any questions about any of the above matters, please contact this office at the address or telephone number shown at the top of this letter.

Yours sincerely,

G K Stonehouse

Deputy Commissioner as

Delegate of the Secretary