Congratulations on your decision to migrate to Money and banking
Australia. We wish you well and hope you will be happy You should arrange traveller’s cheques or other negotiable in your new home. currency such as US or Australian dollars before you travel. This form provides a short summary of some key areas You can exchange foreign currency into Australian dollars at you should consider when preparing for your new life in most Australian international airports. Australia and is available on the Department of Immigration People usually keep their money in a bank or other financial and Citizenship (the department) website in English and institution. If you open an account with one of these 37 languages at www.immi.gov.au/allforms/languages/ institutions within 6 weeks of arrival, you usually only need languages_num.htm For most migrants the primary sources your passport. After 6 weeks you will need extra identification of information about Australia are relatives, friends and to open an account. contacts in Australia. Any extra research you are able to do before your arrival will help your settlement prospects. The department Living in Australia web pages are available Transport from www.immi.gov.au/living-in-australia/ and provide You will need to find transport from the airport to your more detailed settlement information and include services accommodation. There are taxis and buses at all international available for newly arrived migrants. and most other airports. The Beginning a Life in Australia booklet is available To drive a car, you need an Australian driver’s licence. in English and 37 community languages. It has detailed An international driver’s licence may be acceptable for a information about services for prospective and newly arrived short time. Contact the nearest state or territory transport migrants, and is available from department for information about getting a driver’s licence. www.immi.gov.au/living-in-australia/settle-in-australia/ The local telephone directory lists the relevant agency with beginning-life/ contact details. Disobeying traffic laws can result in expensive fines, the loss Australia’s diverse society of drivers licence or even imprisonment. Laws in Australia are strict regarding speed limits and driving after drinking alcohol. Australia is an accepting, diverse society with people from It is illegal to drink alcohol or be intoxicated while driving. many different cultural, ethnic, linguistic and religious Australian law states that everyone travelling in a car must use backgrounds. Australians come from all over the world. About a seatbelt or child restraint. 45% of Australians were either born overseas or have a parent who was born overseas. Australians practise a wide variety of religions. Everyone is free Housing to express and maintain their cultural and religious traditions, To rent/buy a house/flat, you can find out what is available within the law, and can participate and belong as an Australian. through advertisements in newspapers, on the internet or At first, you may not be used to such diversity, but if you are through real estate agents. Payment of a bond, equal to a open and respectful towards people, ideas and traditions, you month’s rent, plus one month’s rent in advance is usual are likely to fit in and be successful in your new life. practice when renting. Housing in Australia can be difficult to find and rent can be expensive. The freedom and equality we enjoy in Australia depends on everyone fulfilling their responsibilities. You are expected to be loyal to Australia, support our democratic way of life and Schools help maintain Australia’s tradition of acceptance, inclusion School is compulsory for all children between 5 and 15 years and fairness for all. There are federal, state and territory of age. These ages may vary slightly in some states and laws that prohibit discrimination on a range of grounds territories. You should enrol your children in a school as soon (such as race, gender, disability, age or sexual preference) as possible. and in a range of areas of public life (such as employment, education, accommodation, access to goods and services, and Pre-school is also available for children between 3 and 5 years government actions). of age. It is usually part-time and is not compulsory. English is the national language, although there are over Information about local schools is available from state 260 languages spoken in Australia, including indigenous or territory education departments. The local telephone languages. If you cannot speak English we strongly encourage directory gives contact details. you to learn as soon as practical after arrival. You may be eligible for free classes through the Adult Migrant English Safety in Australia Program (AMEP). Details about this program are on page 5. Like in any country, there are dangers to be avoided. Swimming in the ocean or in rivers can be very dangerous Customs and quarantine and even life threatening. At ocean beaches, you should swim The Australian mission can give you information on Australian between the red and yellow flags or not swim at all. Fishing on customs and quarantine regulations. It will tell you what you ocean rocks is also dangerous and life threatening. can and cannot bring into Australia, the special conditions for The Australian ‘bush’ has dangerous snakes and insects. In bringing in your household goods, animals/animal products, major cities you should be careful about your personal safety and about customs duties. For more information go to late at night. www.customs.gov.au
Cost of living in Australia New Zealand citizens who arrive in Australia using a Special Category visa (SCV) are generally not entitled to most income The cost of living in Australia, compared to many other support payments unless they were in Australia on countries, is high. It is essential that you think about how you 20 February 2001 or for 12 months in the 2 years immediately will provide for yourself and your family for at least the first prior to this date. If you arrive in Australia after this date as an 2 years. Do not assume you will find a job quickly. SCV holder you will generally need to apply for and be granted The cost of relocating is high. There are significant costs a permanent resident visa and serve any waiting period after involved in travelling to Australia, moving household goods the permanent visa is granted before you will be eligible and setting up a new home. for payments. An SCV holder may still be entitled to Family Assistance payments (see below) or some Health Care Cards. Social security There is also a Social Security Agreement with New Zealand which covers Age Pension and Disability Support Pension and The Australian Government delivers services to assist people Carer Payment in limited situations. to become self sufficient and support those in need through an agency called Centrelink. The Family Assistance Office It is very important to understand that you should have provides assistance to families. There are many rules which enough money to support yourself (and your dependants) affect payments administered by Centrelink and the Family for at least your first 2 years in Australia. If you have a sponsor Assistance Office. The information provided here is a general or an assurer you should ask them, prior to your arrival in guide only and you must discuss your specific needs with Australia, about the support they are willing and able to these agencies. provide. You can find Centrelink office locations and telephone numbers in the local telephone directory. You can speak Waiting period exemptions to Centrelink staff and have your questions answered in If you are a migrant who is a humanitarian entrant, or a languages other than English by calling 131 202. This is not partner or dependent child of a refugee; an Australian citizen, an interpreter service. Calls to this number are charged at or a partner or dependent child of an Australian citizen; or the cost of a local call from anywhere in Australia. Calls made a permanent resident who has lived in Australia for 2 years from public pay phones or mobile phones may be charged at at any time, you may be exempt from the two-year waiting a higher rate. period for most social security payments. Centrelink has a lot of information about its services If you are caring for a person who is a permanent resident and and payments including an extensive range of translated if you are holding a specific Carer visa, you may be exempt information. For more information on translated Centrelink from the waiting period for Carer Payment. You may also be publications, call 131 202 or visit the website eligible for Carer Allowance which is not subject to a waiting www.centrelink.gov.au and select We speak your language on period. the Centrelink home page. A payment called Special Benefit may be available during the More information about social security payments or waiting period if you are in severe financial hardship because international agreements before arriving in Australia can be you have suffered a substantial change in circumstances obtained from: beyond your control. This payment is only available in very Website: www.centrelink.gov.au limited circumstances. Inability to find a job or running out of money are not sufficient reasons to qualify for Special Benefit. Mail: Centrelink International Services GPO Box 273 If you become widowed, disabled or a single parent after HOBART TAS 7001 commencing to live in Australia as a permanent resident visa AUSTRALIA holder, you may be eligible for an allowance or pension. You may also be able to get a pension without having lived in Telephone: 131 673 (Centrelink International Services Australia for 10 years if you are covered by an international in Australia) social security agreement. Australia has social security 131 202 (for information in languages agreements with a number of countries. See the Centrelink other than English) website for a list of these countries. +613 6222 3455 (outside Australia) (Note: If you wish to call Centrelink International Assurance of Support Services from outside Australia, free call numbers are available from many countries. See the Some migrants may be required to provide an Assurance of Centrelink website for a list of these numbers.) Support with or without a bond, depending on their visa type, before their visa applications can be approved. An Assurance of Support is an undertaking given by an Australian citizen or 104 weeks waiting period for social security permanent resident that they will provide financial support to Most newly arrived migrants have to live in Australia as you for the duration of the Assurance of Support period and permanent residents for 104 weeks before they can get most be responsible for any social security payments which may social security payments, including unemployment, sickness, be made to you. If you migrate with an Assurance of Support student, carer and a number of other payments. There is no and apply for and receive a social security payment during the waiting period for Family Assistance payments. Assurance of Support period, your assurer will be responsible Access to income support payments will depend on your for repaying the amount paid to you. visa class, that is whether you are a holder of a permanent visa or a temporary visa and your particular circumstances, including income and assets. Only periods spent in Australia as a permanent resident count towards the waiting period. To be eligible for age and disability pensions, you generally have to live in Australia for 10 years.
If the Assurance of Support includes a bond, and you receive Health a social security payment during the Assurance of Support The Australian Government provides help with some medical, period the amount paid to you will be first deducted from optometrical and hospital expenses through a scheme called the bond and your assurer will be responsible for the amount Medicare. Medicare provides free treatment as a public paid to you in excess of the bond amount. This is regardless (Medicare) patient in a public hospital and free or low- of whether you have served the waiting period or you have a cost treatment by practitioners such as doctors, specialists, waiting period exemption. participating optometrists and dentists (specified services To find out what payments are recoverable under the only). If you reach a Medicare Safety Net threshold, visits to Assurance of Support scheme contact Centrelink on 132 850. your doctor or having tests may end up costing you even less. To find out if you are eligible for Medicare, and to enrol in Help for families with children Medicare, visit your local Medicare Australia office with your New migrants with dependent children may be able to receive passport, travel documents and permanent visa. If you are not Family Assistance payments to help with the cost of raising already the holder of a permanent visa, you will also need to children. Generally, you must hold a permanent visa and be provide details of any permanent visa/migration applications permanently living in Australia in order to be eligible, but you have lodged. there are some exceptions. There is no waiting period for Most temporary visa holders are not eligible to enrol in these payments. Family Assistance payments are intended only Medicare, however there are some exceptions, for example as an income supplement and do not provide enough to live people who have applied for a permanent visa and meet the on. necessary criteria. You should visit your local Medicare office Family Assistance benefits include Family Tax Benefit Part A, to find out if you are eligible. If all eligibility requirements are Family Tax Benefit Part B, Child Care Benefit and Child Care met, you may be given your Medicare card number to use Rebate. The amount of Family Tax Benefit you may be entitled until your card arrives in the mail in about 3 weeks. In most to depends on the age and number of children in your family cases, you will pay for medical care and then receive a rebate and on your family’s total annual income over the current from Medicare. income year. Child Care Benefit may be paid to help with the The Australian Government also helps with the cost of most cost of putting your child into child care. The amount of Child medicine under the Pharmaceutical Benefits Scheme (PBS). Care Benefit you may receive will depend on your family’s If you need a lot of medicine in a year, the PBS Safety Net annual income over the current income year, the type of can help you. Once you reach the PBS Safety Net, and a child care you choose (approved or registered), the number pharmacist has given you a PBS Safety Net card, your PBS of children in child care, the reason you are using care and medicine will be cheaper or free for the rest of the year. If you how many hours of child care you use. Your child must also choose a more expensive brand of medicine or your doctor be up-to-date with immunisation or have an immunisation prescribes one, you may need to pay more. exemption for you to be eligible to receive the Child Care Medicare and the PBS are administered by Medicare Australia. Benefit. Medicare Australia administers the Australian Childhood The Child Care Rebate covers 50% of out-of-pocket approved Immunisation Register, a register that records details of child care costs up to a maximum of AUD7,500 (indexed) per vaccinations given to children under 7 years of age. If you child per year (pending legislation) and can be paid quarterly have a child under 7 years of age, please make sure that you or annually. You may be eligible for the Child Care Rebate if bring their immunisation records to help your doctor in you use approved child care, are eligible for Child Care Benefit Australia determine if their immunisations are up-to-date. Your and you and your partner pass the work, training, study test. child’s immunisation history will help you meet immunisation There is no income test for the Child Care Rebate. If you are requirements when enrolling your children in school and is eligible for Child Care Benefit but your Child Care Benefit also a requirement for some Family Assistance payments. entitlement is zero due to income, you may still be eligible for the Child Care Rebate. Medicare Australia administers the Australian Organ Donor Register (the Donor Register). People who are over 16 years There are also 2 other forms of extra assistance for families of age can register their decision about organ and tissue with babies. The Baby Bonus Payment provides money to help donation on the Donor Register. Recording your decision with the extra costs of a new baby. Maternity Immunisation on the Donor Register is voluntary and you can choose Allowance is a separate payment for families with children which organs and tissue you may like to donate. For people who are up-to-date with immunisation or are exempt from the with serious or life-threatening illness, organ or tissue immunisations requirements. transplantation may mean a second chance at life. In Australia, Family Assistance services are available in all Medicare Australia also administers the Medicare Teen Dental Medicare offices and Centrelink offices. Further information Plan. The Medicare Teen Dental Plan helps eligible teenagers including multilingual fact sheets can be obtained from: 12 to 17 years of age with the cost of an annual preventative Website: www.familyassist.gov.au dental check. If you are eligible, a letter and voucher will be Telephone: 136 150 (in Australia) sent to you. A preventative dental check can include x-rays, a 131 202 (for information in languages scale and clean, fluoride treatment, oral hygiene instructions, other than English) dietary advice and sealing pits or cracks in a tooth. General early childhood education and child care information In addition, Medicare Australia provides help with Family is available from: Assistance payments and services. Some of the payments available at your local Medicare office include Family Tax Website: www.mychild.gov.au Benefit, Baby Bonus, Child Care Benefit, and Maternity Telephone: 133 684 (in Australia) Immunisation Allowance.
Medicare Australia has an information kit which is translated New migrants to Australia who are already over 31 do not into 19 languages. The kit has information about Medicare pay an increased cost if they purchase private hospital Australia’s programs and services and explains the eligibility cover within 12 months from the day they are registered as requirements for benefits and payments. Copies of the kit are eligible for full Medicare benefits. It is important to consider available from the Medicare Australia website or from your taking out hospital cover in the first year after you register local Medicare office. for Medicare. If you choose to wait more than 12 months For more information: after you register for Medicare, then you may be required to pay a LHC loading in addition to your premium. However, Website: www.medicareaustralia.gov.au if you are under 31 when you arrive in Australia then your E-mail: info@medicareaustralia.gov.au LHC deadline will be the same as everybody else (1 July Telephone: 132 011* – Medicare following your 31st birthday). 1800 020 613** – Pharmaceutical Benefits More information about private health insurance can be Scheme obtained from: 1800 653 809** – Australian Childhood Immunisation Register Website: www.privatehealth.gov.au 1800 777 203** – Australian Organ Donor E-mail: privatehealth@health.gov.au Register Mail: MDP 401 1800 552 152** – Hearing and speech impaired Department of Health and Ageing 131 450* – Translating and Interpreting Service GPO Box 9848 Mail: Medicare Australia CANBERRA ACT 2601 GPO Box 9822 AUSTRALIA in your capital city Employment in Australia Private health insurance The Australian labour market is very competitive. Employment Many Australians choose to take out private health insurance. in Australia depends on economic factors, the type of work This covers some or all of the cost of treatment as a private sought and specific circumstances which may affect the patient in private or public hospitals, and can extend to availability of work in different parts of the country. Approval some services that Medicare does not cover, such as dental to migrate does not guarantee a job, even for applicants care, most optical care and ambulance transport. If you are assessed as highly skilled. considering taking out private health insurance you should be At September 2010, the trend unemployment rate in Australia aware of the following: was 5.2%. Migrants who arrived in Australia since 2006 have an 1. The Private Health Insurance Rebate – You are eligible estimated unemployment rate of 8.6% (original data). to claim the Private Health Insurance Rebate if you are In September 2010 migrants born in the main English- eligible for Medicare and have a complying health insurance speaking countries had an unemployment rate of 4.2%, while policy that provides hospital treatment, general treatment those born in other countries had a rate of 5.8%. Generally, (‘ancillary’ or ‘extras’) cover or both. The rebate will migrants who have had more time to settle in Australia generally give you back 30% of the total cost of your private have lower unemployment rates. Similarly, those who enter health insurance (for people aged 65–69 years the rebate is Australia under the Skill Stream have lower unemployment 35%, and for people aged 70 years and over the rebate rates than those entering under other categories. is 40%). To find out about your work prospects, read Australian 2. The Medicare Levy Surcharge – Most Australian taxpayers newspapers which list job vacancies. There are also many have a Medicare Levy included in the amount of tax they online recruitment websites. pay. The Medicare Levy Surcharge is an additional 1% Before leaving for Australia you should find out if any special surcharge imposed on people who earn over a certain requirements or conditions apply to the work you wish to income threshold and do not have private hospital do. For many jobs in Australia, applicants must be able to be insurance. The income thresholds are (in the financial registered or licensed with an Australian state or territory year of 2010–11) AUD77,000 per year for singles and authority, and/or be eligible for membership of a professional AUD154,000 per year for couples or families. These or industry organisation. thresholds are indexed each year to keep pace with changes You should find out if any registration or licensing to average wages. requirements apply to your job. Dependants should make 3. Lifetime Health Cover – Lifetime Health Cover (LHC) is similar enquiries about their job prospects, whether or not a financial loading that may be payable in addition to the they intend to seek work immediately on arrival. basic premium for private health insurance hospital cover. Migrants who do not have a job should register with To avoid the LHC loading, you must purchase hospital Centrelink as soon as possible after arrival. As most newly cover from an Australian registered insurer before your LHC arrived migrants are generally not eligible for income support deadline. The deadline is generally 1 July following your payments for 2 years, they may be eligible to apply for a 31st birthday, but as a new migrant to Australia your LHC limited range of government-funded job search support deadline may be later, depending on your age when you services through Job Services Australia. However, migrants arrive in Australia. who are permanent residents and meet other eligibility criteria If you purchase hospital cover after your deadline you may may be eligible to apply for the full range of services through be required to pay a LHC loading – an extra 2% on your Job Services Australia. premium for each year you are aged over 30 at the time you commence cover. For instance, if you wait until you are 40, you could be paying an extra 20% on the cost of your hospital cover.
Contact the Department of Immigration and Citizenship The Australian Government also provides funding to assist enquiry line on 131 881, or visit the AMEP website at state and territory government and non-government www.immi.gov.au/living-in-australia/help-with-english/ education authorities to deliver intensive English language amep/ to find out if you can learn English with the AMEP and tuition to eligible newly-arrived migrant primary and where you can register. secondary school students under the English as a Second Language – New Arrivals (ESL–NA) Program. The program Translating and Interpreting Service (TIS National) aims to improve the educational opportunities and outcomes of newly arrived students from non-English If you need to communicate with someone who does not speaking backgrounds by developing their English language speak your language, TIS National can provide an interpreter competence and facilitating their participation in mainstream 24 hours a day, 7 days a week. You can call TIS National educational activities. on 131 450. Alternatively, the government department, business or community service you wish to speak with can call Eligible students are expected to receive a minimum of TIS National on your behalf. 6 months intensive English language tuition in either intensive language centres/units or in schools. Each jurisdiction is TIS National operates on a fee for service basis, however, responsible for developing its own assessment of student on most occasions the cost of interpreting is paid for by the needs, English as a Second Language curriculum, and the government department, business or community service you delivery of intensive English language tuition. are speaking with. For more information: If you need an interpreter when you see a doctor, you can ask Websites: www.deewr.gov.au the doctor to contact TIS National on the Doctor’s Priority www.deewr.gov.au/skills/pages/default.aspx Line. Pharmacies can also access telephone interpreters to speak with you. This is a free service that is provided to Telephone: 1300 363 079 doctors and pharmacies. TIS National welcomes enquiries from Australian permanent Australian citizenship residents and citizens who are interested in providing Most permanent residents seeking to become citizens must interpreting services on a contract basis to members of the meet certain requirements before applying for citizenship. Australian community. If you have good skills in English These requirements include living in Australia for a specified and at least one other language, you may consider applying period of time and being of good character. Once you to become a contract interpreter with TIS National. Please meet these requirements you may make an application for contact a TIS National Interpreter Liaison Officer on Australian citizenship. Most people who apply for Australian 1300 132 621 for further information. citizenship are also required to pass a citizenship test. Further information about the services provided by TIS Information about Australian citizenship, further details on the National is available from www.immi.gov.au/tis residence requirement, other eligibility criteria and application Translation of settlement-related personal documents (for forms, is available from the citizenship website example, birth or marriage certificates, drivers’ licences, www.citizenship.gov.au or by calling the citizenship educational and employment documents) into English is information line on 131 880 for enquiries within Australia. available to eligible migrants within 2 years of their arrival in Australia or grant of permanent residence. This is a free More information or advice service. Further information about translations is available Be sure to get a copy of the Beginning a Life in Australia from www.immi.gov.au/living-in-australia/help-with- booklet. It is provided in English and 37 community english/ languages, and is available from www.immi.gov.au/living-in-australia/settle-in-australia/ Department of Education, Employment and Workplace beginning-life/ Relations English programs Settlement information and advice is also available from English language, literacy and numeracy training is also offices of the Department of Immigration and Citizenship in available through targeted programs managed by the Australia and overseas. For further information access: Department of Education, Employment and Workplace Department of Immigration and Citizenship Relations (DEEWR) and state and territory governments. Telephone: 131 881 (general enquiries within Australia) DEEWR has 2 employment related English language, literacy www.immi.gov.au and numeracy programs for clients of working age (15–64 years). Information on migrating to Australia The first is the Language, Literacy and Numeracy Program www.immi.gov.au/migrants/ (LLNP) which provides up to 800 hours of free vocationally Information on life in Australia oriented language, literacy and numeracy training to eligible www.immi.gov.au/living-in-australia/ jobseekers. The LLNP seeks to improve clients’ language and/or literacy and numeracy skills to help them to secure List of Australian Immigration Offices overseas sustainable employment or pursue further education and www.immi.gov.au/contacts/overseas/ training. The program also provides specialised training through Complementary Training which is tailored to support Settlement Services Locator disadvantaged clients. Some jobseekers with selected visa www.immi.gov.au/living-in-australia/settle-in-australia/ categories may not be eligible for this program. find-help/where-to-help/ The second is the Workplace English Language and Literacy Citizenship website Program (WELL) which provides funding to organisations to www.citizenship.gov.au train workers in English language, literacy and numeracy skills to help them meet their current and future employment and training needs.
General Telephone 131 881 during business hours enquiry line in Australia to speak to an operator (recorded information available outside these hours). If you are outside Australia, please contact your nearest Australian mission.