Nobody Is Going to Mail You the Form
The rates, rebates and rules most Australians over 55 are overpaying or missing — and the simple forms and phone calls that fix it.
One-time payment · instant download · 30-day money-back guarantee
Educational guide only — not legal, tax or financial advice.
The Problem
Your council doesn't mail you the pensioner rebate. Your power company doesn't call to say your concession isn't on the account. The tax office doesn't write to tell you it's holding $19 billion in lost super — some of it possibly yours.
The system pays you what you claim and file — not what you're owed. Silence always works in their favour. And for a lot of Australian households over 55, that silence costs more than $1,000 a year, every year.
This book closes that gap — one form, one phone call at a time.
Three Kinds of Money
Lost super the ATO is holding. Unclaimed bank accounts and insurance. Deductions you can still claim on returns you've already lodged. Found with free, official searches — the book shows you each one.
Council rates, water, energy, rego, ambulance — every one carries a concession for eligible older Australians, and not one is automatic. You put your hand up, or you pay full price.
The gifting rule that docks a pension for five years. The two-year clock on an inherited home. The title decision that cost one family $80,000 on the same house. Know the rule first, and you step around it.
What's Inside
Rates, water, energy, rego and ambulance — the concession stack worth $425+ a year in NSW alone, and the one call that puts each on file.
The assets test, deeming, the Work Bonus — and reading your own position before you change anything.
The $10,000 / $30,000 gifting limits, the five-year look-back, documented loans, granny flats and guarantees — before money moves.
The main residence exemption, the six-year rule, the two-hectare line, and the records worth keeping from day one.
Downsizing without cancelling your pension, the 15% withholding trap, duty concessions, and retirement village exit fees.
Joint tenants vs tenants in common, the inherited-home two-year window, frozen accounts, and the survivor's checklist.
The free lost-super search, unclaimed money at the regulator, the Seniors Health Card, and amending lodged returns.
Depreciation schedules, withholding variations, land tax registration and the annual compliance hour.
The three-question scam test, and the free licensed services — FIS, tax help, legal aid — that most people never use.
Included Free
Every call and form in the book, on two pages.
The exact words for all 8 calls. Keep it by the phone.
Log every call and watch the yearly savings add up.
Five checks to run on a parent's bills this week.
The July agenda that keeps you current every year.
A woman I call Margaret owns her home in Dubbo outright and has held a Pensioner Concession Card for nine years. Nobody told her the rates rebate existed, so she paid full rates, full water, full sewerage — nine years running. One phone call put the concession on file for life. The nine years of full price? For most of it, that money is simply gone. Every month you wait is money you don't get back.
Chapter 2 — Council Rates, State by State
Who It's For
Stop overpaying the five household bills, protect the pension through big decisions, and claim what your card already entitles you to.
Many of these rules follow the Commonwealth Seniors Health Card — not just the pension card. The tax, property and estate chapters apply to you regardless.
Checking on mum and dad? The "Check On Mum & Dad" sheet tells you exactly which of their bills to look at this week — it can be worth hundreds a year to them.
The NSW council rates stack alone is worth up to $425 a year. The Queensland energy rebate is close to $400. If this book finds you one concession, it has paid for itself many times over — and most readers find several.
Instant PDF download · lifetime access · one-time payment
30-day money-back guarantee — if it doesn't pay for itself, get a refund.
Questions