Our first Age Pension episode was a massive hit so we’re back with a second instalment.  In this episode of Super Insider, Age Pension expert Justin Bott from Services Australia returns, this time with ART’s Education Team Leader, Kane Everingham. Together, they tackle some of the most common – and misunderstood – questions about the Age Pension.   You’ll hear simple answers about who qualifies, what the income and asset tests involve, and how you can keep more money in your pocket.  00:00 Age Pension Q&A: What you need to know  02:06 What’s the Age Pension?   02:41 Who is eligible for the Age Pension?   03:24 What are the income and assets tests?   05:35 Can I earn an income and still get a pension?   07:51 What happens if I apply for Age Pension before my partner?   09:11 How does my super impact my pension?   09:44 What’s a deemed financial asset?   12:45 How does lump sum super withdrawals affect the Age Pension??   14:50 What are some common misunderstandings about the Age Pension?   17:12 Does home ownership change my Age Pension eligibility?   19:10 Can I downsize my home and get the Age Pension?  20:41 Does receiving an inheritance affect my pension?   24:10 Can I gift money or assets without it affecting my pension?   27:40 Can I loan money while receiving Age Pension?  28:45 When’s the best time to apply for the Age Pension?   29:55 What do I need to apply for the Age Pension?  If you’re confused about how the Age Pension works, wondering if you’re eligible, or want to know how your super and other assets could affect your payments, we’ve made this episode for you.   Jump in and listen now. 🎧     Enjoyed the episode? Don’t forget to:  💙 Subscribe for regular updates  Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388    Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO  😎 Share this episode with a friend who needs to hear it!  ❓ Drop us your questions in the comments or at podcast@art.com.au – we’d love to hear from you.    The opinions and comments shared by people in this podcast are theirs alone, and they’re not necessarily shared by the Trustee. It uses information that’s accurate at the time of publishing. This is general information only. It’s not based on your personal objectives, financial situation or needs. So, think about those things and read the relevant Product Disclosure Statement and Target Market Determination at art.com.au/pds before you make any decision about our products. And if you’re still not sure, talk with a financial adviser.   This information and all products are issued by Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975) (‘Trustee’), trustee of Australian Retirement Trust (ABN 60 905 115 063) (‘the Fund’ or ‘ART’).   Any advice given is by representatives of Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818, AFSL 227867) or QInvest Limited (ABN 35 063 511 580, AFSL 238274), both wholly owned by the Trustee. As representatives, they may recommend ART products from time to time. So read the relevant Financial Service Guide at art.com.au/fsg to tell you about that advice and how they’re paid.