When one of you dies, the survivor's pension is reassessed — and it can shrink twice. A calm guide for the hardest fortnight.
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This is the guide nobody wants to read, and the one that matters most when the time comes. When a partner dies, the surviving spouse moves from the couple rate to the single rate — and while the single rate is higher than the each-member couple rate, it is well below what the two of them received combined. The household loses income, and at the same time the assets and income are reassessed against a single person's lower thresholds. The pension can fall twice at once.
At the same time, accounts freeze, super has to be claimed, and there are payments and reclaims that are easy to miss in the first weeks. Most of them have deadlines.
This guide lays out, calmly and in order, what happens to the money in the first weeks and months — and what the survivor needs to do, and when.
— AndrewEach section is short, with worked examples in real dollars, the exact figure for this year, and the conversation to have next — and who to have it with.
Andrew Coburn presents a YouTube channel that explains Australian tax, super, the Age Pension and Centrelink in plain English.
He is not a registered tax agent or a licensed financial adviser, and the set is not personal advice. It is general educational information about Australian tax, super, the Age Pension and Centrelink, with every figure checked against the ATO and Services Australia.
This guide is one of six in the complete set — The Complete Australian Retirement Guide. The set covers the rest: the Age Pension, the family home, widowhood, helping your kids, the super death tax, and the handover file your family will need when you're gone.
Bought individually, the four sold-separately guides come to $1,096. The set adds the two guides you can't buy on their own. The complete set is $497.
If three or more of the six apply to you, the set is the better buy.
Instant PDF delivery. Yours to keep. 30-day refund.
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Yes. Every figure is verified against the ATO and Services Australia for the 2026–27 financial year, with the version date on the front of the PDF. Figures change — the Age Pension is indexed twice a year, and many thresholds change on 1 July.
No. Andrew is not a registered tax agent or a licensed financial adviser. It's general educational information, that points you to the right professional for your own decisions.
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