This section demonstrates how the circumstances of a person leaving their principal home affects their assessment.
Last amended: Proceeds from sale of home
VEA ? [3]
Where a person sells their principal home [4], the sale proceeds received are assessed as follows:
If the person intends to use the proceeds from the sale of their former principal home to acquire a new principal home:
For the home sale proceeds to be treated as a disregarded asset, the person must intend to:
More ? [11]
Home sale proceeds that are being treated as a disregarded asset, can remain disregarded when proceeds are used for the incomplete new principal home. For example, when part of the proceeds are used to buy land where the home will be built or to pay for progressive building costs.
If the person intends to build their new principal home on vacant land they already own, then that land and any partially completed buildings may be considered as part of their disregarded assets. However, the total disregarded asset value cannot exceed the amount received from the home sale, eg remaining proceeds to be used for new home + land value + buildings = home sale proceeds received.
If it is not certain that a pensioner intends to use the sale proceeds to acquire a principal home within twelve months, evidence should be sought. Documents that indicate an intention to acquire a residence include: a contract for purchase of real estate, a building contract, a letter from a solicitor providing conveyancing services, a written statement from a real estate agent, or a statutory declaration by the pensioner.
Other factors to be considered will be the term of any temporary accommodation agreement entered into by the pensioner (whether it is of no more than 12 months' duration), and accessibility of the home proceeds if invested (a long-term fixed deposit might indicate that there is no real intention of using the funds to acquire a home within twelve months).
A pensioner sells their principal home for $300,000 and intends to build a new principal home for $250,000. The $250,000 portion that they intend to use for the new home is a disregarded asset for up to twelve months from the home sale date. The remaining $50,000 is immediately assessed as a financial asset. However, the entire $300,000 is assessed for deemed income.
If towards the end of the twelve months exemption, the home is not yet completed due to delays beyond the control of the pensioner, an extension of up to an additional twelve months may be possible.
More ? [12]
The exemption of the proceeds as a disregarded asset may be retained for those periods where the person is prevented from immediately occupying the new principal home. For example, occupancy may be delayed by an existing lease, or if the vendor needs to remain in residence for a period. However, if the continued exemption period would exceed 24 months from the date the former home was sold, please seek advice from Policy Advisings Income Support [13],
VEA ? [14]
If a person sells their principal home on terms and purchases another residence on terms, only the balance due from the sale which is to be applied to the purchase of the new residence is an exempt asset. The exemption applies for the duration of the terms under respective agreements. Neither the standard twelve-month exemption period, nor the extension applies to these cases.
Where a person gifts their principal home, the value of the property must be assessed according to the deprivation provisions. No period of exemption will apply.
More ? [15]
The principal home has the meaning given by subsection 5LA(1) [34] of the VEA and subsection 5LA(2) [34] of the VEA. The principal home of a person is generally the place in which they reside. In certain circumstances, however, the principal home of a person can be the place in which they formerly resided. The following property is regarded as part of the principal home.
A disregarded asset is one that is not included when calculating the value of a person's assets under the assets test, irrespective of its value.
For a full legislative definition see Section 52 of the VEA [35].
A person is a homeowner if they have a right or interest, which gives reasonable security of tenure in the principal home.
Refer to sections 52Q and 52R of VEA for the definition when determining if a person is a considered to be a homeowner when living in a special residence.
A person is also considered to be a homeowner if they have sold their home in the previous 12 months and intend to use part or all of the proceeds to purchase another home.
An asset means any property, including property outside Australia.
Rent Assistance is an allowance which may be paid to a service pensioner, income support supplement (ISS) or veteran payment recipient to assist in meeting the cost of rental accommodation.
To receive rent assistance a pensioner must be paying rent (other than Government rent) for accommodation in Australia, and the amount paid must exceed a certain threshold.
VEA ? [37]
Last amended: 7 October 2020
Unless a person states a definite intention not to return to their principal home [4], an absence should generally be regarded as temporary. Absence from a principal home placed on the market for sale may be considered to be a temporary absence until the date that a sale contract is signed, as a return to the principal home before this date cannot be ruled out (e.g. if a sale does not proceed). A person may also be considered temporarily absent from their principal home if it has been lost or damaged and they intend to repair or rebuild the home or acquire a new home.
A temporary absence should not be granted when a person has not been living in the principal home. A person needs to be living in the principal home prior to vacating the property for a temporary absence to be allowed.
Where a person is temporarily absent from their principal home, that residence continues to be regarded as the permanent home for up to twelve months. During this time, the pensioner remains an ineligible property owner [4] (homeowner) and is not eligible for rent assistance [4]. Any income from the house is assessed under the income test [4] and any relevant deductions applied. If the temporary absence is due to loss of, or damage to the principal home, special assessment arrangements apply and are described below. If a person is temporarily absent from their permanent home for more than twelve months, the value of the property may only be disregarded in calculating the value of that person's assets during the first twelve months of such an absence. After the first twelve months, the place where they are actually living will be assessed as their principal home, which may alter their homeowner status.
However, if the temporary absence is due to loss of, or damage to the principal home, an extension of the asset exemption and homeowner status beyond twelve months may be possible.
A couple travels around Australia in their caravan, letting their house out to tenants. Their house remains an exempt asset for up to twelve months and the caravan is an assessable asset. As an ineligible property owner, they are not eligible for rent assistance for their site fees. The rental income they receive from the tenants in their house is assessable income. If the couple continue to live in their caravan for more than twelve months, the house then becomes an assessable asset. The caravan is now taken to be their principal home and any site fees can be considered for rent assistance purposes. If a person temporarily resumes occupancy and subsequently vacates the principal home, a new twelve month exemption period would begin. Care should be taken to ensure that the person intended to resume living in the home and was not simply establishing a brief period of residency in order to extend their exemption period. There is no limit to the number of temporary absences from the principal home during which a person can be regarded as continuing to be a [glossary:property:] [glossary:owner:] [41]. However, where a person has had a number of extended absences over the years, with minimal time actually in the residence, it may be appropriate to examine the facts to determine whether the person has established a permanent home elsewhere.
If a person is temporarily absent because their principal home has been lost or damaged (including by a disaster), special arrangements apply if they intend to either repair/rebuild their old home, or buy/build a new home:
For the compensation or insurance proceeds from the lost or damaged home to be treated as a disregarded asset, the person must intend to apply the proceeds to:
Compensation or insurance proceeds for a lost or damaged home that are being treated as a disregarded asset, can remain disregarded when used for the uncompleted home. For example, when part of the proceeds are used to buy land where the new home will be built or for repairs to the damaged home. If the person intends to build their new principal home on other vacant land they already own, then that land and any partially completed buildings may be considered part of their disregarded assets. The land of the former principal home and any remaining structures, if still owned, would instead become assessable assets under the assets test. If it is not certain that a pensioner intends to use the home compensation or insurance proceeds to acquire a principal home within twelve months, evidence should be sought. Documents that indicate an intention to acquire a residence include: a building contract for repairs/rebuilding or construction, a contract for purchase of real estate, a letter from a solicitor providing conveyancing services, a written statement from a real estate agent, or a statutory declaration by the pensioner. Other factors to be considered will be the term of any temporary accommodation agreement entered into by the pensioner (whether it is of no more than 12 months' duration), and accessibility of the home proceeds if invested (a long-term fixed deposit might indicate that there is no real intention of using the funds to acquire a home within twelve months). A pensioner's principal home was extensively damaged in a disaster and they receive $200,000 from their home insurer. The pensioner intends to use the whole of the insurance proceeds to rebuild their principal home. The $200,000 is a disregarded asset for up to twelve months and is also exempt from deemed income (while the asset is disregarded). The pensioner is renting temporary accommodation while awaiting the rebuilding works. Because their damaged home is uninhabitable and their insurer is not paying or reimbursing the rent payments, they may be eligible for rent assistance despite being considered a property owner. If towards the end of the initial twelve months exemption, the home is not yet completed due to delays beyond the control of the pensioner, an extension of up to an additional twelve months may be possible.
Assessment of temporary absence up to twelve months
Assessment of temporary absence exceeding twelve months
Examples of temporary absences
Temporarily resumes occupancy
Multiple absences from principal home
Assessment of temporary absence due to a lost or damaged home
Disregarded asset
Proof of intention
Example of home lost or damaged exemption
The principal home has the meaning given by subsection 5LA(1) [34] of the VEA and subsection 5LA(2) [34] of the VEA. The principal home of a person is generally the place in which they reside. In certain circumstances, however, the principal home of a person can be the place in which they formerly resided. The following property is regarded as part of the principal home.
An ineligible property owner is a property owner who is ineligible for rent assistance.
According to subsection 5N(1) of the VEA [34], these people are not regarded as ineligible property owners and therefore may be eligible for rent assistance:
Rent Assistance is an allowance which may be paid to a service pensioner, income support supplement (ISS) or veteran payment recipient to assist in meeting the cost of rental accommodation.
To receive rent assistance a pensioner must be paying rent (other than Government rent) for accommodation in Australia, and the amount paid must exceed a certain threshold.
One element of the means test [4] for income support pensions whereby the rate of pension payable to a pensioner reduces progressively as their income increases above a certain threshold known as the income free area (IFA) [4].
A disregarded asset is one that is not included when calculating the value of a person's assets under the assets test, irrespective of its value.
For a full legislative definition see Section 52 of the VEA [35].
An asset means any property, including property outside Australia.
Home proceeds may be funds received from:
The portion of home proceeds that the person intends to apply towards acquiring a residence that will be their principal home (including buying/building a new home or repairing/rebuilding a lost/damaged residence) may be treated as a disregarded asset [4] for up to 12 months, or if extended, up to 24 months, from receipt of the proceeds.
VEA ? [68]
The home proceeds exemption may be extended for up to an additional 12 months. To be eligible for the extension, the person must be able to satisfy the delegate that they:
The extension requires a discretionary determination by a delegate.
The extension ceases at the earliest of:
No further extensions are available in relation to the receipt of those home proceeds.
If the extension applies, the existing assessment arrangements for the exemption continue unchanged and are summarised in the following table.
If the exemption was for a principal home that was... |
Asset test |
Income test |
Rent assistance |
sold More ? [69] |
disregarded asset More ? [70] |
not exempt More ? [71] |
eligible More ? [72] |
lost or damaged More ? [73] |
disregarded asset More ? [74] |
exempt (while a disregarded asset) More ? [75] |
eligible if lost or damaged home is uninhabitable More ? [76] |
The requirement for a person to be making reasonable attempts to acquire a residence would be considered to be met if they had entered into some form of agreement. Examples include: signing a contract to purchase a house, purchasing a block of land for house construction, signing a contract with a builder or developer for construction of a residence.
The requirement for a person to have commenced efforts to acquire a residence within a reasonable timeframe would be considered to be met if they had taken action towards entering some form of agreement within six months of selling the home. Examples include: development of construction plans by an architect or draftsman, obtaining builder's quotes, contact with real estate agents.
The requirement for a person to be experiencing delays beyond their control in acquiring the residence would be considered to be met if they have been unable to commence or complete the purchase or construction of their home due to delays in the building industry.
Note: If the person's efforts to acquire a residence commenced more than six months after the proceeds were received, the delegate would need to be satisfied that the later delays were actually beyond the person's control and not merely a result of their delay in commencing efforts.
Towards the end of the 12 months asset exemption of their home sale proceeds, the pensioner notifies the Department that building of their new home is not yet completed. They provide documents indicating that less than 6 months after the home sale, they bought a block of land ($100,000), obtained development approval for building of the home and signed a contract with a builder (approx. building costs $150,000). However, their builder has since experienced delays on other projects, which means that this project will now not be completed until some months after the exemption is due to cease.
If the delegate is satisfied, a determination can be made to extend the $250,000 asset exemption for up to a further 12 months (ie up to 24 months from the home sale date). If their new home is completed within this extended time period, the pensioner is required to notify DVA and the extended exemption would then cease.
Home Sale
Section 52(2) [16] VEA
Section 52(2A) [16] VEA
Home Lost or Damaged
Section 52(1) (o) [16] VEA
Section 52(1) (oa) [16] VEA
The principal home has the meaning given by subsection 5LA(1) [34] of the VEA and subsection 5LA(2) [34] of the VEA. The principal home of a person is generally the place in which they reside. In certain circumstances, however, the principal home of a person can be the place in which they formerly resided. The following property is regarded as part of the principal home.
A disregarded asset is one that is not included when calculating the value of a person's assets under the assets test, irrespective of its value.
For a full legislative definition see Section 52 of the VEA [35].
Last amended: 10 April 2012
If a person vacates a granny flat [4] right within 5 years of the date of the right being established, the circumstances of the vacation of the property will determine whether or not the person is considered to have deprived themselves of an asset.
More ? [92]
It is necessary to carefully examine the circumstances leading to the vacation of the granny flat within 5 years, rather than the timing of leaving the granny flat, to determine whether a genuine granny flat interest was entered into. Circumstances may arise where a genuine intent to continue residing in the granny flat were affected by an unrelated event, for example the onset of illness or a fall, which required aged care entry or a change of residence. In these situations the need to vacate the granny flat interest within the 5 year period could not be foreseen, and deprivation should not be found.
Where the granny flat is vacated after five years, deprivation does not arise as deprivation is not held beyond this time period.
When considering whether there was a genuine intent to remain in the granny flat interest, or that an event leading to the vacation of the granny flat within 5 years was unforeseen, the likelihood of the event that led to the vacation of the granny flat being known to the person at the time of entering into the granny flat agreement must be determined. Consistent with the beneficial purpose behind the introduction of the granny flat provisions, deprivation should not be found in respect of early vacation of the granny flat, where there is no evidence providing a link between the event or change in circumstances, and the establishing of the granny flat interest.
However, where there is evidence that the early vacation of the granny flat was intended or was reasonably foreseen, the establishment of the granny flat interest was clearly not for the purpose of acquiring a lifetime accommodation interest. In these cases, the granny flat agreement was for the purpose of deliberately reducing the assessable assets value of the person, and deprivation should be found. Circumstances where early vacation of the granny flat may be regarded as foreseen include, but are not limited to:
The test in establishing whether there was genuine intent or whether early vacation of the granny flat was foreseeable is that of reasonable satisfaction, being that a statement or piece of evidence is more likely than not to be true. Where a delegate is not reasonably satisfied about the reasons for early vacation of the granny flat interest, the deprivation of assets provisions should apply from the date of vacation of the granny flat.
More ? [93]
VEA ? [94]
The asset disposal provisions in the VEA provide that consideration received by the person in return for the transferred asset is deducted from the transferred asset value, when determining the asset disposal amount.
Where a granny flat resident voluntarily vacates their granny flat interest, their actual period of occupancy from the date that the granny flat interest was established, to the date of vacation, represents a partial enjoyment of their right to accommodation for life, and may be regarded as partial consideration for the transferred asset value. The period of occupancy is compared to the person's life expectancy, to determine the amount of partial consideration received in return for the transferred asset value.
Example:
A person establishes a granny flat interest by transferring a property valued at $400,000 to family members, in return for the right to accommodation for life in the property. At the time of creating the granny flat interest, the person was 80 years old. His life expectancy is 9.2 years.
More ? [95]
The person voluntarily vacates the granny flat interest early, after 4 years. This period of occupancy, representing 43.48% of the person's actuarial life expectancy, is partial consideration for the transferred asset value. The disposal amount is 56.52% of $400,000 = $226,080.
Where the granny flat is vacated after five years, no deprivation is held regardless of the person's life expectancy at the time that the granny flat interest was established. Deprivation is not held beyond this time period.
Granny flats and information on deprivation provisions
9.2.5/Granny Flat Arrangements [96]
Chapter 9.1 [97]
Granny flats and information on deprivation provisions
9.2.5/Granny Flat Arrangements [96]
Chapter 9.1 [97]
A granny flat interest exists if a person has established a right to accommodation for life, or a life interest in another person's private home.
Granny flat interests are established by the following methods:
Refer to Section 5MA(2) [34] of the VEA for the full definition.
Last amended: 1 August 2014
VEA → [104]
If a person is absent from the principal home because they have entered a care situation, that former residence may continue to be regarded as their principal home for up to 2 years (hence disregarded in calculating the value of that person's assets). If the home is occupied by a partner, it will remain exempt from the assets test for as long as the partner is in that residence. When the partner vacates the home the two year exemption period will commence from the date of the partner's departure.
More → [105]
If a person enters a care situation overseas, then their former residence becomes assessable from the day they entered care. This is because a person can only be considered to be an aged care resident if the care is being provided by an approved provider under the Aged Care Act 1997. This Act only applies to the states and territories of Australia.
Where a person receives a refund of their entry contribution amount on leaving a retirement village to enter aged care, the amount becomes an assessable asset as it no longer represents a principal home interest, i.e. an amount paid for the right to live in the retirement village.
However, entry contribution refunds may be delayed when a person leaves a retirement village. This may typically occur until the vacated unit is sold or for the time period specified in the Residential Agreement (commonly twelve months), whichever is the shorter period.
Where the refund of the person's entry contribution is delayed, and is not received for a period of time following their departure from the retirement village to enter aged care, the entry contribution amount continues to be exempt until such time as it is received. Subject to the normal 2 year exemption limit, while the entry contribution amount remains with the retirement village owner it continues to represent the person's right to live in the retirement village, and retains the status of a right or interest in a principal home providing reasonable security of tenure.
For the extended exemption of the entry contribution amount to apply in these circumstances, it is necessary that the amount was a disregarded asset during the person's residency in the retirement village i.e. the amount exceeded the Extra Allowable Amount resulting in homeowner status.
Note: For means-testing relating to residential aged care fees and charges, policy advice from the Department of Social Services is that a refundable amount is assessable regardless of delays, or the likelihood of repayment. Please refer to the Procedural Library for details.
More → [106]
VEA → [107]
A person's former residence may also be taken to be their principal home during any period where the person entered care before 1 January 2017 and is paying (or there is a liability to pay):
Any rent received is exempt from the income test for the period that the principal home is exempt. There is no requirement to establish whether the rent from the former home is used to pay the accommodation costs.
This additional exemption from assessment does not apply when the person is living in residential aged care overseas, as the relevant accommodation costs attracting the exemption are those specified in the Aged Care legislation.
Note: The requirement for a person to be receiving rent from the property is intended to provide a concession when the pensioner is actually using the property to provide them with income while they are in aged care. The rent received must be in respect of the occupancy of the former principal home, though the occupancy does not need to be for a specific period of time. For example, an aged care resident receiving rent from a bed and breakfast arrangement or similar temporary rental arrangement can be accepted as meeting the meaning of rent for this purpose. However, where a family member pays rent to use a garage for storage purposes, but does not actually live at the property, the meaning of rent is not satisfied and the assets test exemption period and rental income exemption no longer applies.
The exemption for the former home may continue to apply through periods of vacancy and that the pensioner may not be receiving income from the property, provided there remains an intention to rent out the former home property. Where it is decided that the property is not to be re-let, the exemption for the home would cease to apply as the person would not be regarded as earning, deriving or receiving rent from the property. Where income has not been received from a property for a reasonable period, it may be necessary to check that the property is actually being offered for rent.
Multi-Purpose Services (MPS) are designed specifically for rural and regional areas, to bring together a range of health and aged care services under one management structure, where traditional styles of services may not usually be viable. However, unlike residential aged care facilities, care recipients are not required to be ACAT assessed and MPS facilities do not receive Australian Government funding for individual residents. Therefore recipients residing in MPS facilities may be eligible to receive rent assistance on the amount of rent they pay to their MPS service provider.
Procedure Library - Refundable entry contribution is an asset for ACA
9.2.8/What is included in ACA assessment [113]
A payment for accommodation costs worked out by converting the refundable accommodation deposit (RAD) to a daily amount, which is payable as a periodic amount by aged care residents.
A payment for accommodation that accrues daily and is payable as a periodic amount by aged care residents for whom the Government is also making a contribution.
An accommodation charge is an additional daily fee, which is paid by person's residing in ACAT approved permanent High Level Care.
It is paid in addition to the standard resident daily care fee and any additional income tested fee, which may apply.
Accommodation charges are payable for as long as a resident remains in care. For those residents who entered care prior to 1 July 2004 the accommodation charge is limited to a maximum five years.
See Also:
http://clik.dva.gov.au/glossary/acat [116] - defintion of ACAT
http://clik.dva.gov.au/glossary/high-level-care [117] - definition of 'High Level Care'
An accommodation charge only applies to those persons entering an aged care facility prior to 1 July 2014.
An accommodation bond is an amount of money paid by Low Level Care [4] and Extra Service Care [4] residents in an aged care facility. An accommodation bond may be paid as a lump sum, or by periodic payments, or a combination of both lump sum and periodic payments.
The provider can deduct a monthly retention amount, for a maximum of 5 years, from the accommodation bond. The monthly retention amount is a fixed amount specified in the accommodation agreement and cannot exceed the capped maximum amount applicable at the time of entry to the facility. The provider also retains any interest derived from the bond.
The balance of the lump sum accommodation bond is refundable to the resident or their estate on departure. The refunded accommodation bond balance is an assessable asset.
If there is a liability under the accommodation bond agreement for the bond to be paid wholly, or partly by periodic payments and the former principal home is rented out, then both the former home and the rental income are exempt from the income and assets tests.
Last amended: 1 August 2014
An aged care resident may depart aged care by reason of:
More ? [119]
Where a person has paid an accommodation bond [4], a [glossary:refundable accommodation deposit:DEF/Refundable Accommodation Deposit (RAD)] (RAD [120]) or a [glossary:refundable accommodation contribution:DEF/Refundable Accommodation Contribution (RAC)] (RAC [121]), the balance of that payment for accommodation will be refunded when the person departs aged care. The balance is the original bond amount less the retention amounts drawn down by the care provider, or the RAD or RAC less any deductions as agreed in the residential agreement. The refunded amount is an assessable asset.
A person is assessed on their ability to pay an accommodation bond only once, on entry to low level care [4]. Thereafter, if the person moves to another facility, the balance of the bond will be refunded, and may be transferred to the new facility subject to the resident's and provider's agreement.
Where a person moving from one facility to another did not originally pay a bond, or did not re-enter aged care within 28 days of departure , they may be asked to pay a bond in the new facility.
Special arrangements apply for [glossary:continuing care:] [glossary:residents:] who move to another aged care facility within 28 days of leaving a previous facility.
The maximum amount of [glossary:accommodation:] [glossary:bond:] [122] the resident can be charged for a subsequent entry is the refunded balance from the previous facility. That is, only the balance of the five year retention period will carry over to the new service provider. With agreement of both the service provider and the resident, the resident can also rollover the accommodation bond balance, or pay the accommodation charge [4] if moving to high care.
These rules do not apply to the [glossary:RAD:DEF/Refundable Accommodation Deposit (RAD)] or [glossary:RAC:DEF/Refundable Accommodation Contribution (RAC)].
If a continuing care resident re-enters care after a break of more than 28 days, the person will be subject to the post 1 July 2014 rules. A combined income and assets assessment will be required. Periods of hospital or social leave are not counted towards the 28 days. More
An accommodation bond is an amount of money paid by Low Level Care [4] and Extra Service Care [4] residents in an aged care facility. An accommodation bond may be paid as a lump sum, or by periodic payments, or a combination of both lump sum and periodic payments.
The provider can deduct a monthly retention amount, for a maximum of 5 years, from the accommodation bond. The monthly retention amount is a fixed amount specified in the accommodation agreement and cannot exceed the capped maximum amount applicable at the time of entry to the facility. The provider also retains any interest derived from the bond.
The balance of the lump sum accommodation bond is refundable to the resident or their estate on departure. The refunded accommodation bond balance is an assessable asset.
If there is a liability under the accommodation bond agreement for the bond to be paid wholly, or partly by periodic payments and the former principal home is rented out, then both the former home and the rental income are exempt from the income and assets tests.
Hostel type services, which cater for those people who need middle to lower levels of help with daily tasks and personal care.
Services in this category include:
Low level care is also known as Category 5-8 care.
An accommodation charge is an additional daily fee, which is paid by person's residing in ACAT approved permanent High Level Care.
It is paid in addition to the standard resident daily care fee and any additional income tested fee, which may apply.
Accommodation charges are payable for as long as a resident remains in care. For those residents who entered care prior to 1 July 2004 the accommodation charge is limited to a maximum five years.
See Also:
http://clik.dva.gov.au/glossary/acat [116] - defintion of ACAT
http://clik.dva.gov.au/glossary/high-level-care [117] - definition of 'High Level Care'
An accommodation charge only applies to those persons entering an aged care facility prior to 1 July 2014.
Links
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[3] https://clik.dva.gov.au/book/export/html/16106#tgt-cspol_part9_ftn295
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[7] clikpopup://DEF/Assets value limit (AVL)
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[9] https://clik.dva.gov.au/book/export/html/16106#tgt-cspol_part9_ftn299
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[12] https://clik.dva.gov.au/book/export/html/16106#tgt-cspol_part9_ftn302
[13] mailto:PAIS@dva.gov.au
[14] https://clik.dva.gov.au/book/export/html/16106#tgt-cspol_part9_ftn303
[15] https://clik.dva.gov.au/book/export/html/16106#tgt-cspol_part9_ftn304
[16] https://clik.dva.gov.au/service-eligibility-assistant-updates/all-determinations-order-date-signed-oldest-most-recent/determinations-under-vea
[17] https://clik.dva.gov.au/book/export/html/16106#ref-cspol_part9_ftn295
[18] https://clik.dva.gov.au/compensation-and-support-policy-library/part-10-types-income-and-assets/102-assets/1023-disregarded-assets/disregarded-assets-relating-principal-home
[19] https://clik.dva.gov.au/book/export/html/16106#ref-cspol_part9_ftn296
[20] https://clik.dva.gov.au/compensation-and-support-policy-library/part-9-principles-determining-pension-rate/95-deeming-provisions/954-deeming-savings-investments/deemed-income-savings-investments
[21] https://clik.dva.gov.au/book/export/html/16106#ref-cspol_part9_ftn297
[22] https://clik.dva.gov.au/compensation-and-support-policy-library/part-9-principles-determining-pension-rate/92-residential-situation/922-basic-principles-assessment/homeowners-basic-assessment-rules
[23] https://clik.dva.gov.au/book/export/html/16106#ref-cspol_part9_ftn298
[24] https://clik.dva.gov.au/compensation-and-support-policy-library/part-5-income-support-allowances-and-benefits/51-rent-assistance/512-eligibility-criteria-rent-assistance/property-owners-and-rent-assistance-eligibility
[25] https://clik.dva.gov.au/book/export/html/16106#ref-cspol_part9_ftn299
[26] https://clik.dva.gov.au/compensation-and-support-policy-library/part-9-principles-determining-pension-rate/92-residential-situation/927-departure-principal-home/extension-home-proceeds-exemption
[27] https://clik.dva.gov.au/book/export/html/16106#ref-cspol_part9_ftn300
[28] https://clik.dva.gov.au/book/export/html/16106#ref-cspol_part9_ftn301
[29] https://clik.dva.gov.au/book/export/html/16106#ref-cspol_part9_ftn302
[30] https://clik.dva.gov.au/book/export/html/16106#ref-cspol_part9_ftn303
[31] https://clik.dva.gov.au/compensation-and-support-policy-library/part-9-principles-determining-pension-rate/96-deprivation-income-and-assets/968-deprivation-related-home-and-accommodation-transfers
[32] https://clik.dva.gov.au/compensation-and-support-policy-library/part-9-principles-determining-pension-rate/96-deprivation-income-and-assets/969-deprivation-related-farm-transfers
[33] https://clik.dva.gov.au/book/export/html/16106#ref-cspol_part9_ftn304
[34] http://clik.dva.gov.au/legislation-library
[35] http://www.comlaw.gov.au/Series/C2004A03268
[36] https://clik.dva.gov.au/user/login?destination=node/16048%23comment-form
[37] https://clik.dva.gov.au/book/export/html/16106#tgt-cspol_part9_ftn305
[38] https://clik.dva.gov.au/book/export/html/16106#tgt-cspol_part9_ftn306
[39] https://clik.dva.gov.au/book/export/html/16106#tgt-cspol_part9_ftn307
[40] https://clik.dva.gov.au/book/export/html/16106#tgt-cspol_part9_ftn308
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[43] https://clik.dva.gov.au/book/export/html/16106#tgt-cspol_part9_ftn310
[44] https://clik.dva.gov.au/book/export/html/16106#tgt-cspol_part9_ftn311
[45] https://clik.dva.gov.au/book/export/html/16106#tgt-cspol_part9_ftn312
[46] https://clik.dva.gov.au/book/export/html/16106#tgt-cspol_part9_ftn313
[47] https://clik.dva.gov.au/book/export/html/16106#tgt-cspol_part9_ftn314
[48] https://clik.dva.gov.au/book/export/html/16106#tgt-cspol_part9_ftn315
[49] https://clik.dva.gov.au/book/export/html/16106#tgt-cspol_part9_ftn316
[50] https://clik.dva.gov.au/book/export/html/16106#tgt-cspol_part9_ftn317
[51] https://clik.dva.gov.au/book/export/html/16106#ref-cspol_part9_ftn305
[52] https://clik.dva.gov.au/compensation-and-support-policy-library/part-9-principles-determining-pension-rate/92-residential-situation/922-basic-principles-assessment/principal-home
[53] https://clik.dva.gov.au/book/export/html/16106#ref-cspol_part9_ftn306
[54] https://clik.dva.gov.au/book/export/html/16106#ref-cspol_part9_ftn307
[55] https://clik.dva.gov.au/book/export/html/16106#ref-cspol_part9_ftn308
[56] https://clik.dva.gov.au/book/export/html/16106#ref-cspol_part9_ftn309
[57] https://clik.dva.gov.au/book/export/html/16106#ref-cspol_part9_ftn310
[58] https://clik.dva.gov.au/book/export/html/16106#ref-cspol_part9_ftn311
[59] https://clik.dva.gov.au/book/export/html/16106#ref-cspol_part9_ftn312
[60] https://clik.dva.gov.au/book/export/html/16106#ref-cspol_part9_ftn313
[61] https://clik.dva.gov.au/book/export/html/16106#ref-cspol_part9_ftn314
[62] https://clik.dva.gov.au/book/export/html/16106#ref-cspol_part9_ftn315
[63] https://clik.dva.gov.au/book/export/html/16106#ref-cspol_part9_ftn316
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[68] https://clik.dva.gov.au/book/export/html/16106#tgt-cspol_part9_ftn320
[69] https://clik.dva.gov.au/book/export/html/16106#tgt-cspol_part9_ftn321
[70] https://clik.dva.gov.au/book/export/html/16106#tgt-cspol_part9_ftn322
[71] https://clik.dva.gov.au/book/export/html/16106#tgt-cspol_part9_ftn323
[72] https://clik.dva.gov.au/book/export/html/16106#tgt-cspol_part9_ftn324
[73] https://clik.dva.gov.au/book/export/html/16106#tgt-cspol_part9_ftn325
[74] https://clik.dva.gov.au/book/export/html/16106#tgt-cspol_part9_ftn326
[75] https://clik.dva.gov.au/book/export/html/16106#tgt-cspol_part9_ftn327
[76] https://clik.dva.gov.au/book/export/html/16106#tgt-cspol_part9_ftn328
[77] https://clik.dva.gov.au/compensation-and-support-policy-library/part-9-principles-determining-pension-rate/92-residential-situation/927-departure-principal-home/sale-or-deprivation-home
[78] https://clik.dva.gov.au/book/export/html/16106#ref-cspol_part9_ftn318
[79] https://clik.dva.gov.au/compensation-and-support-policy-library/part-9-principles-determining-pension-rate/92-residential-situation/927-departure-principal-home/temporary-absence
[80] https://clik.dva.gov.au/book/export/html/16106#ref-cspol_part9_ftn319
[81] https://clik.dva.gov.au/book/export/html/16106#ref-cspol_part9_ftn320
[82] https://clik.dva.gov.au/book/export/html/16106#ref-cspol_part9_ftn321
[83] https://clik.dva.gov.au/book/export/html/16106#ref-cspol_part9_ftn322
[84] https://clik.dva.gov.au/book/export/html/16106#ref-cspol_part9_ftn323
[85] https://clik.dva.gov.au/book/export/html/16106#ref-cspol_part9_ftn324
[86] https://clik.dva.gov.au/book/export/html/16106#ref-cspol_part9_ftn325
[87] https://clik.dva.gov.au/book/export/html/16106#ref-cspol_part9_ftn326
[88] https://clik.dva.gov.au/compensation-and-support-policy-library/part-10-types-income-and-assets/101-ordinary-income/1013-income-exempt-assessment/exempt-income-other-non-government-sources
[89] https://clik.dva.gov.au/book/export/html/16106#ref-cspol_part9_ftn327
[90] https://clik.dva.gov.au/book/export/html/16106#ref-cspol_part9_ftn328
[91] https://clik.dva.gov.au/user/login?destination=node/16076%23comment-form
[92] https://clik.dva.gov.au/book/export/html/16106#tgt-cspol_part9_ftn329
[93] https://clik.dva.gov.au/book/export/html/16106#tgt-cspol_part9_ftn330
[94] https://clik.dva.gov.au/book/export/html/16106#tgt-cspol_part9_ftn331
[95] https://clik.dva.gov.au/book/export/html/16106#tgt-cspol_part9_ftn332
[96] https://clik.dva.gov.au/compensation-and-support-policy-library/part-9-principles-determining-pension-rate/92-residential-situation/925-special-residence-assessment-rules/granny-flat-arrangements
[97] https://clik.dva.gov.au/compensation-and-support-policy-library/part-9-principles-determining-pension-rate/91-income-and-assets-test-principles
[98] https://clik.dva.gov.au/book/export/html/16106#ref-cspol_part9_ftn329
[99] https://clik.dva.gov.au/book/export/html/16106#ref-cspol_part9_ftn330
[100] https://clik.dva.gov.au/book/export/html/16106#ref-cspol_part9_ftn331
[101] https://clik.dva.gov.au/compensation-and-support-policy-library/part-9-principles-determining-pension-rate/92-residential-situation/926-reasonableness-test/conversion-factor-table
[102] https://clik.dva.gov.au/book/export/html/16106#ref-cspol_part9_ftn332
[103] https://clik.dva.gov.au/user/login?destination=node/16051%23comment-form
[104] https://clik.dva.gov.au/book/export/html/16106#tgt-cspol_part9_ftn333
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[106] https://clik.dva.gov.au/book/export/html/16106#tgt-cspol_part9_ftn335
[107] https://clik.dva.gov.au/book/export/html/16106#tgt-cspol_part9_ftn336
[108] http://www.comlaw.gov.au/Details/C2014C00812
[109] https://clik.dva.gov.au/book/export/html/16106#ref-cspol_part9_ftn333
[110] https://clik.dva.gov.au/compensation-and-support-policy-library/part-9-principles-determining-pension-rate/92-residential-situation/924-care-assessment-rules/care-assessment-rules
[111] https://clik.dva.gov.au/compensation-and-support-policy-library/part-11-administration-payments/111-income-support-effective-dates-and-pension-periods/1114-determining-effective-dates-variations-and-terminations/date-effect-property-valuations
[112] https://clik.dva.gov.au/book/export/html/16106#ref-cspol_part9_ftn334
[113] https://clik.dva.gov.au/compensation-and-support-procedure-library/part-9-principles-determining-pension-rates/92-residential-situation/928-aged-care-means-test-assessments/what-included-means-test-assessment
[114] https://clik.dva.gov.au/book/export/html/16106#ref-cspol_part9_ftn335
[115] https://clik.dva.gov.au/book/export/html/16106#ref-cspol_part9_ftn336
[116] http://clik.dva.gov.au/glossary/acat
[117] http://clik.dva.gov.au/glossary/high-level-care
[118] https://clik.dva.gov.au/user/login?destination=node/16129%23comment-form
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[120] clikpopup://DEF/Refundable Accommodation Deposit (RAD)
[121] clikpopup://DEF/Refundable Accommodation Contribution (RAC)
[122] clikpopup://DEF/Accommodation Bond
[123] https://clik.dva.gov.au/book/export/html/16106#ref-cspol_part9_ftn337