{
  "api_version": "2.0",
  "url": "https://retirementwealth.com.au/api/v2/figures/cshc_income_limit_couple_combined.json",
  "schema": "https://retirementwealth.com.au/api/v2/schema/api.json#/$defs/figure_file",
  "docs": "https://retirementwealth.com.au/data/",
  "publisher": "retirementwealth.com.au",
  "scope": "Retirement Wealth provides selected factual information about Australian retirement rules and rates. It does not provide personal or general financial product advice or recommend financial products. Summaries may not cover every condition or exception. Check the linked official sources and obtain advice appropriate to your circumstances before making financial decisions.",
  "figure": {
    "id": "cshc_income_limit_couple_combined",
    "former_ids": [],
    "label": "Commonwealth Seniors Health Card income limit, couple (combined)",
    "category": "concession_cards",
    "category_label": "Concession cards",
    "concept": "cshc.income_limit",
    "kind": "threshold",
    "dimensions": {
      "household": "couple",
      "basis": "combined"
    },
    "value": 168076,
    "display_value": "$168,076 a year",
    "unit": {
      "code": "AUD_per_year",
      "plain": "Australian dollars per year",
      "quantity": "money",
      "currency": "AUD",
      "per": "year",
      "per_amount": null,
      "ratio_divisor": null
    },
    "ratio": null,
    "effective_from": "2026-09-20",
    "effective_from_basis": "value",
    "validity": {
      "from": "2026-09-20",
      "to": null,
      "basis": "value",
      "status": "in_force"
    },
    "applies_by": null,
    "resets": "20_september",
    "review_dates": [
      "09-20"
    ],
    "source": {
      "title": "Income test for Commonwealth Seniors Health Card",
      "publisher": "Services Australia",
      "url": "https://www.servicesaustralia.gov.au/income-test-for-commonwealth-seniors-health-card",
      "type": "primary"
    },
    "verification": {
      "status": "verified_primary",
      "checked_on": "2026-10-11"
    },
    "notes": "The combined income of both partners must be less than this amount a year to meet the income test. The test counts adjusted taxable income and deemed income from account-based income streams. There is no assets test. Services Australia reviews the limit on 20 September each year in line with the Consumer Price Index. The effective date comes from the Department of Social Services rates list for 20 September 2026 indexation.",
    "conditions": [
      {
        "text": "The combined income of both partners must be less than this amount a year to meet the income test."
      },
      {
        "text": "The test counts adjusted taxable income and deemed income from account-based income streams."
      },
      {
        "text": "There is no assets test."
      }
    ],
    "exceptions": [],
    "caveats": [],
    "legal_basis": [],
    "derivation": null,
    "related": {
      "same_concept": [
        "cshc_income_limit_single",
        "cshc_income_limit_couple_separated_combined"
      ],
      "inputs": [],
      "used_by": []
    },
    "upcoming": [],
    "first_published": {
      "release": 4,
      "recorded_at": "2026-10-11T08:30:14Z"
    },
    "last_changed": {
      "release": 12,
      "recorded_at": "2026-10-13T08:24:56Z"
    },
    "cite_as": "Commonwealth Seniors Health Card income limit, couple (combined): $168,076 a year, applies from 20 September 2026. Official source: Services Australia, Income test for Commonwealth Seniors Health Card (last checked 11 October 2026). Retirement Wealth, https://retirementwealth.com.au/rules/concession-cards/cshc-income-limit-couple-combined/",
    "links": {
      "self": "https://retirementwealth.com.au/api/v2/figures/cshc_income_limit_couple_combined.json",
      "page": "https://retirementwealth.com.au/rules/concession-cards/cshc-income-limit-couple-combined/",
      "current_value": "https://retirementwealth.com.au/api/v2/figures/cshc_income_limit_couple_combined/2026-09-20.json"
    },
    "timeline": [
      {
        "value": 168076,
        "display_value": "$168,076 a year",
        "ratio": null,
        "effective_from": "2026-09-20",
        "effective_to": null,
        "basis": "value",
        "status": "in_force",
        "source": {
          "title": "Income test for Commonwealth Seniors Health Card",
          "publisher": "Services Australia",
          "url": "https://www.servicesaustralia.gov.au/income-test-for-commonwealth-seniors-health-card",
          "type": "primary"
        },
        "verification": {
          "status": "verified_primary",
          "checked_on": "2026-10-11"
        },
        "notes": null,
        "url": "https://retirementwealth.com.au/api/v2/figures/cshc_income_limit_couple_combined/2026-09-20.json"
      },
      {
        "value": 161768,
        "display_value": "$161,768 a year",
        "ratio": null,
        "effective_from": null,
        "effective_to": "2026-09-19",
        "basis": "value",
        "status": "superseded",
        "source": {
          "title": "Social Security Payment Parameters: 20 September 2026 indexation",
          "publisher": "Department of Social Services",
          "url": "https://www.dss.gov.au/system/files/documents/2026-08/rates-list-20-september-2026.pdf",
          "type": "primary"
        },
        "verification": {
          "status": "verified_primary",
          "checked_on": "2026-10-11"
        },
        "notes": "Listed as the previous amount. The source does not state when it started.",
        "url": null
      }
    ]
  }
}