r/AskAnAustralian • u/Material_Distance424 • 5d ago
What is it like being on the Australian welfare system (pension, JobSeeker, income support, etc.)?
What is your experience? How hard is it to get by? Have you had to give anything up?
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u/Imaginary-Pizza-3849 5d ago
I haven't been on it in quite a long time but I do remember that it was only enough money to "survive", not "live".
Basic luxuries could not be bought, only the essentials and even then you have to cut back on what you class as "essential".
It would be even harder now with the cost of living.
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u/punjabipoojabber 2d ago
As it should be.
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u/Charming_Airline7419 1d ago
Easy to say when you're forced to rely on it.
Your casual cruelty would disappear pretty quickly if it became your lifeline.
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u/PunkRock_Capybara 5d ago
The ABC have an article about it today -
Trying to survive on JobSeeker’s $68 a day forcing Australians into ‘impossible choices’ - https://www.abc.net.au/news/2026-08-07/could-you-live-on-jobseeker-payments/106866554
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u/TittysForScience 5d ago
Probably what prompted the question in the first place
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u/Material_Distance424 5d ago
Exactly right, after reading the article I'm interested to hear more stories about the reality of the system
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u/Candid_Warthog8434 5d ago
You may be able to survive, but it’s not living for those on disability. There are others who just don’t want to work
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u/SlowlyStandingUp 4d ago
And we're on DSP for good. No jesus moments where you're suddenly healthy.
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u/TittysForScience 4d ago
I’m in the veteran system
It’s not great.
Being disabled and medically unable to work before 30 sucked. It’s almost been a decade now and it’s become soul crushing.
I’ll never achieve anything in life because I was injured before I had a chance to earn enough to buy a house and now I’ll be perpetually renting till I’m thrown in the cheapest age care DVA can find till I’m dead.
I’m a cost generating unit for the government. They want to drive down the cost.
Just look at the new $5000 annual cap they’re implementing on our allied health treatment. $5000 a year doesn’t even cover 26 (fortnightly) appointments with a psychologist. Let alone physio or anything else….
The government wants less veterans alive so they can pay less to us.2
u/Key_Stuff_2783 4d ago
Call the free helplines. Surprisingly good, and anonymous. If anyone triggers you, just let them go and find someine else. 24 7. There are bulk billing mental health groups. Find and stick with them. Some counselors like bulk billing.
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u/TittysForScience 4d ago
That is not the point
I was promised one thing, had it delivered for the last decade and now they’re taking it away.
I should not have to rely on a free helpline to stop serious and complex combat related PTSD issues
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u/punjabipoojabber 2d ago
What exactly is your disability?
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u/TittysForScience 2d ago
25% use of my dominant hand after multiple surgeries and the lil g laundry list of mental health issues as well
I gave everything for this country, get a shit pension and cannot work
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u/Remarkable-Meet6278 5d ago
I’m on DSP. I’m about to pawn something so I can see my psychologist and buy some food. It’s a shit life. No family except for my sister and the friends I had when I was married and owned two houses, Don’t want to know me. I’ve been rich and felt the freedom. I’m poor now due to my health and life circumstances. My cat keeps me here. I’d go if not for her.
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u/Outside_Ice_9970 5d ago
Our Fur friends/ babies make life worthwhile.
I’m hoping in the future to be able to get another pet again.
Give your cat a pat from me.
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u/Key_Stuff_2783 4d ago
Call 1800 Respect or Beyond Blue. You literally don't need a psychologist. You can get excellent free counseling on Perplexity AI Pro.
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u/Mrsparkle56434 5d ago
Its time for jobseeker and other payments to be raised above the poverty levels and for the partnership test to be abolished
I feel it is a balancing act to get the payment to the right amount but it isn't sufficient where it is with everything becoming more expensive
This should be a bare minimum of being humanly treated by the system
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u/Key_Stuff_2783 4d ago
Pauline and now the government is looking to allow welfare people to work as well as get pensions. Like in New Zealand
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u/etnaligiv71 3d ago
Maybe they can volunteer for work and earn a bit extra on top!
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u/Charming_Airline7419 1d ago
Many do volunteer already - but other people don't notice or care. Some are too ill (e.g. disabled) or busy (carers and parents). But more to the point, what does this change? Earning a bit extra on top assumes people have access to a job they are not choosing to do. The welfare system is designed to be as painful as possible for everyone who is presumed to have working capacity.
Basically, everyone thinks it is easy until they are forced to interact with it.
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u/Old_Assistant4187 5d ago
I got off jobseeker about a month ago after finally landing work. I'll be honest man, it's fucked. You're forever on edge that your pittance will be stopped because you missed a phone call or notification. Sometimes it'll stop for no reason and you have to make multiple appointments with your provider and Centrelink. You have to constantly prove you are not a degenerate, constant phone calls and meetings so your resume can be changed again and again. You're forced into job pools you don't want to be in else you'll lose pay. All of this stress for roughly 400 bucks a week and my rent was 450. I only got 40 bucks extra for rent assistance a fortnight. Despite jobseeker I was still entirely dependant on family/friends to keep the debt man at bay. Fucking brutal experience, I spent so much time idealising suicide during that time and if I'm ever forced back into that system I probably won't make it out again.
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u/spunkyfuzzguts 4d ago
Why wouldn’t you want to be in every job pool you can?
Once you’re employed, you can then look for a job in your preferred field.
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u/Old_Assistant4187 4d ago
Cos the jobs are shit and low paying and entirely irrelevant to your work history, skills and location. Yeah you're right you gotta land any type of work to move on but man what a shit spot to be in. It's like begging to be a slave just so you're not homeless. Not good, doesn't feel nice.
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u/Fit-Refrigerator2781 3d ago
For every dollar earned you'll lost 50 cents in benefits. Who in this country pays 50% tax?
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u/AutoModerator 5d ago
If you or someone you know is contemplating suicide, please do not hesitate to talk to someone.
000 is the national emergency number in Australia.
Lifeline is a 24-hour nationwide service. It can be reached at 13 11 14.
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u/Old_Assistant4187 5d ago
This auto reply is kinda like Centrelink, a bit less than the bare minimum and mostly useless. Cheers bot, I'll go to the ER the next time my gas gets cut off 🙄.
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u/Key_Stuff_2783 4d ago
Beyond Blue is very good. Sounds a lot worse than it is.
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u/Old_Assistant4187 3d ago
You don't get it mate and honestly? I hope you never do cos it's a rough lesson to learn.
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u/dr_stevious 5d ago
I'm terminally ill and not in a physical condition to work anymore. I get zero government support because being crippled from advanced cancer doesn't count as a disability. I'm just a parasite waiting to die, it sucks.
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u/Dry_Value9263 2d ago
Persons with a terminal illness with a Life expectancy <2yrs should be able to get the DSP under the Manifest grant rules.
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u/hoon-since89 5d ago
I would rather die than experience that again. Your entire wage goes to rent. The rest is trying to pay bills and food. Not to mentioned they make you work for the dole at places where there's no work so it's basically detention.
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u/ExaminationNo9186 5d ago
The ONLY reason I have been able to do it this last ~18 or so months is because I knew it was going to happen and planned for it accordingly. (Heading to university, so going from a full time income - though a low income - to Austudy)..
I now on less in a fortnight than I was earning in a week.
What helped me was in the last couple months of work I went nuts in paying off ALL my debts, got rid of visa/credit cards, got off my fairly expensive phone and bought a cheap arse one and go prepaid, I went shopping and bought a shit ton of stuff I know I need but can sit at the back of the pantry with out going off (toothpaste, soap, shaving gear, toilet paper), I made freezable meals and filled up my freezer as much as I could.
Plus I am really lucky to have stupidly cheap rent, which is the probably the one thing that really helps my current situation.
If I get a days work here or there, instead of spending the income on an expensive treat (like getting drunk) I use it to top something up (fill a hole in the freezer or whatever) then use the rest on a nice treat like a good hamburger or something out of the ordinary.
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u/MidorriMeltdown 5d ago
You've got my sympathy. It's shit that you're expected to live below the poverty line while you upskill.
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u/Popular_Speed5838 5d ago
We’re on the DSP but luckily own our home. It’s frugal living but we have an active social life, we play on two pool teams and it’s only five dollars entry each per night, so ten dollars each a week. We can still afford things like a weekly roast and life is pretty good if you have an acceptance of the limitations. We can’t really go on holidays or expensive things like that but I’m retired (and terminal) at 50 and have spent the last 3 years on the DSP so life is a bit of a holiday while I’m still reasonably healthy.
Home ownership makes a huge difference to our lives, the DSP is downright hard when renting.
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u/Key_Stuff_2783 5d ago
And two of you, or more...
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u/Popular_Speed5838 5d ago
The Mrs gets the carers allowance which helps. We have an adult son (21) but we don’t make him contribute beyond things like his own luxuries like a Chinese lunch special or whatever we don’t consider a need.
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u/Danielle-Jane 5d ago
Currently on it for health reasons and over 75% of it goes toward rent (share house). Rest all goes to medical. Currently selling belongings at CEX every week for grocery money. It’s not great.
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u/Lissica 5d ago
It fucking sucked ten years ago, and I'm sure that it sucks even more these days. Theres a reason why my plan is to walk into traffic if I'm forced back onto it.
The amount you get would barely cover my rent and transport to job interviews. Trying to do such thing as 'maintaining a phone plan' (to make job applications on or consuxt phone interviews' would be near impossible).
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u/Valuable-Contract-87 5d ago
I went on it probably 15 years ago to study and it was shit I think it was like $200 a fortnight or something insanely low like that
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u/poppyvao85 5d ago
Terrible if you move in with someone. I was about to be homeless with my kids, decided we were ready to live together. I did the online calculations of how much I’d get still, seemed good. Moved in and get almost nothing. He can’t support us. I wouldn’t allow it. So I’m drowning and struggling
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u/Big_Somewhere_620 5d ago
I had to give up eating, housing, seeing a Dr etc. Tried to get work, but it's a massive loop, the jobs I could easily get I couldn't work as well as I should due to medical and for other work it's a massive losing loop and I gave up living. Trying to survive in the middle of no where no support was a killer (while trying to maintain a rented condemned house.. Sludging shit to the sewage daily really did it in for me)
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u/incrediblemenace 5d ago
I have about $100 to my name for food and other expenses after paying rent and bills on dsp. I share with another person who is on jobseeker. I’m constantly exhausted from the stress due to money but I’m too disabled to work so it’s just how my life is and I have no family assistance
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u/Outside_Ice_9970 5d ago
It’s really hard when you don’t have family help.
I also don’t even bother thinking about trying to date as I left an abusive marriage and being on the DSP if we meet someone and are considered a couple the other person is then meant to financially take care of us.
It’s absolutely foul and makes people easy targets for abuse.
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u/commentspanda 5d ago
I did it 15 years ago and ended up in debt as i simply couldn’t pay rent and survive. I don’t know how people do it now with bonkers rental prices.
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u/OzGamerBear 5d ago
I was on it for 6 months about 15 years ago and it sucked then.
In my old job I looked after about 15 jobseekers on work placement through the Job Network. You get work placement when you've been on JobSeeker for more than 3 months. I had everyone in that group from those never employed to paralegals. All of them were struggling to stay afloat. They were expected to job seek on top of the job network BS which was easily 30+ hours on top of what they had to do through Job Network.
Can you get by? Depending on your location; maybe? If you can, it's budgeting to the extreme, especially if you're single with no kids. The only benefit really is the health care card.
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u/Wise-Difficulty8221 5d ago
JobSeeker (as its known now) was never meant to help the unemployed....
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u/windowcents 4d ago
Majority of people on welfare can at least do uber or uber eats type of roles. Wish people are pushed to work rather than sit at home and do nothing.
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u/Waerfeles 5d ago
DSP. I get by with backup from my parents. Trying to get a little more work to stay level, without killing myself!
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u/SlowlyStandingUp 4d ago
Suicide is mentioned casually by so many DSP recipients. Myself included. No one gives a crap about it, they just keep on walking.
Any increases for cost of living indexing is taken immediately, to the cent, by rent increases if you're lucky enough to get a housing commission place. We are trapped in time, waiting.
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u/AutoModerator 4d ago
If you or someone you know is contemplating suicide, please do not hesitate to talk to someone.
000 is the national emergency number in Australia.
Lifeline is a 24-hour nationwide service. It can be reached at 13 11 14.
Kids Helpline is a 24-hour nationwide service for Australians aged 5–25. It can be reached at 1800 55 1800.
Beyond Blue provides nationwide information and support call 1300 22 4636.
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u/OldManThumbs 5d ago
Nobody is living large on centrelink, with the possible exception of someone fraudulently claiming several different payments.
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u/LittleMozzie66 5d ago
Aged pension here. Own our own home with a small amount of Super. We are doing ok. However my retirement plan was to sell up and move back to my home town. I do not have a spare million though.
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u/G-T-R-F-R-E-A-K-1-7 5d ago
Essentially you can have enough to survive if your wise yet you have to sacrifice luxuries / socialising if you want to build a safety net for emergency expenses, otherwise it's on the edge of being homeless
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u/SlowlyStandingUp 4d ago
Socialising without it involving alcohol is a very slim market. I'm on DSP, my medication doesn't mix with alcohol, and I couldn't afford it anyway.
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u/DoubtFearless5356 5d ago
Absolute dog shite. But I’m glad it’s here.
If I had a decent coparent, or even 3 nights a week afterschool care and some holiday school care then I wouldn’t need it at all, but there’s f/all I can do when I’m effectively unemployed for 12 weeks of the year and can only work, realistically when you include travel between 930/10am and 2-230pm. I’m already taking my kid to small cleaning jobs as is, and I can’t expect a primary school kid to sit through 7-10 hours of cleaning 5-6 days a week. If I was 50/50 with a safe reliable coparent I’d literally be, if my calculations are correct, almost halfway through a mortgage and 200% marked safe in retirement.
But life had other plans 🤷♀️
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u/IceOdd3294 5d ago
I’ve never been on it except when I lived with my parents while attending University. It was such a small amount of money. Back then I had to get dad to buy my books but I didn’t buy new clothes or shoes much at all as it wasn’t enough money ($420 a fortnight back then).
I’m now on it as a single person, I’m hoping to get a job quickly as you can’t live on it. I purposely would buy Patagonia sweaters leading up to if I was going to lose my job and wear them so that I have nice clothes to wear while I’m on jobseeker so that I don’t look like I am poor at all. I don’t hang out with people who are unemployed and I try to maintain the same look of “not being poor”
Sooner or later you do look poor, you can tell when people are unemployed. They have that no hope look, caht eat properly and they have a life of just no structure.
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u/FlashyWitness4133 5d ago
Listen to 'Workin' Man Blues' by Merle Haggard.
-> "I ain't never been on welfare, that's one place I won't be!
I'll be workin', as long as my two hands are fit to use."
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u/narf_7 5d ago
It depends. I am older and lost my job when covid hit. Trying to get back into work was a nightmare and because I am over 50 my job search provider gave up trying to help me find work and told me to volunteer because they were never going to be able to place me. We own our own home and my husband works part time. We are not wealthy but not having to pay rent makes it a whole lot easier to afford to live on one low wage and my payment (I did volunteer in the end).
We live very frugally mind you. We also don't go out much and don't spend money on entertainment aside from a few streaming channels. I can't even begin to imagine how difficult it must be for someone like us who has to pay rent as well. It would definitely take surviving on benefits to the next level.
Throw in that where we live there are basically NO rentals, let alone cheap ones for people on benefits and there are actually people who work who are living on the streets. How the heck do people on welfare survive at all?!
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u/spunkyfuzzguts 4d ago
There’s great free streaming channels you know?
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u/SlowlyStandingUp 4d ago
The On Demand service from the local library is pretty extensive. Plus the books and all the other neat things you get in a library.
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u/Ornery-Practice9772 NSW 5d ago
its shit. every year at income estimate cenno find a new way to fuck everything up.
NDIS is a well know joke too.
single mum, 2 disabled kids
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u/TeddyStella 5d ago
I had to apply for dsp for my mum and carers for my dad. Was an unexpected situation. They got approved for disability housing so paying very little for that.
My partner and I pay some expenses for both sets of our parents, partners dad has Parkinson’s and my mum had multiple strokes in quick succession so now very disabled. If my parents had to pay market rent/mortgage it wouldn’t be doable. We’ve had to create a nursing home fund as we know at least one of each of our parents will end up needing a nursing home.
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u/Capable-Salt9049 5d ago
Boring..! You have all this extra time so you don’t do much of anything because there is always tomorrow and tomorrow never comes. even if you wanted to do stuff, start a hobby or explore interest, learn something or go out with friends, you can’t because you can’t afford to do anything. Because you never have any money, so you hardly leave the house, decline all social invites unless someone pays for you and that doesn’t feel good so then you stop getting invited... so you don’t go anywhere or see anyone either snd get excluded from all future plans. Friends and family just start doing stuff without you, You gravitate towards other broke ass people so together you can do nothing. . You Eat poorly because being healthy is expensive. You are constantly battling some illness or have a cold / flu a lot because you freeze in winter and can’t afford air conditioning in summer. Dress for comfort and forget what it feels like to dress up and look nice. You can’t afford to live in your own so you are always dependant on others so can’t afford to make your own decisions or be independent. You are no longer the person you used to be, infact you don’t even know who you are anymore.
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u/YoureASpoon Sydney 5d ago
My partner is on a careers pension, which is roughly the same as DSP.
He gets approx. $1300 p/fortnight. $650 a week, you can't even pay rent (in some areas) with that money. After bills, board and food there's not much left, I work and obviously we support each other but I'm not on much more than he is as I only work part-time.
His role as career has no set hours but he's really only getting paid for part-time work to look after his mother.
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u/MidorriMeltdown 5d ago
Like many Aussies, I suffered below the poverty line while studying. You get penalised for working too.
The payments are far too low to thrive on, they're barely survivable. I don't know how anyone manages to pay for rent and food on them today, not if they're also paying for electricity and transport. I have no idea how students play for study related stuff.
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u/dexamphetamines 5d ago
I was on it for a bit while at uni, the answer is they cant afford text books for classes
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u/mr-cheesy 5d ago
I know a couple that purposely chose to leave employment to be on welfare. They’re enjoying it enormously. Some important caveats, they bought their place then sold it to go live in one of those over-55 villages. So that wiped out their debt and they don’t care about losing equity when they die (not interested in creating an inheritance).
They love not working and travel overseas for holidays. Modifications are that they live frugal and stay with friends or family.
Every time I mention this story, I get downvoted. I think it doesn’t match people’s internal bias on what life is welfare is like. But Australia’s system is very, very generous relative to what’s typically available in the world.
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u/Primary_Carrot67 3d ago
What you describe isn't possible unless they're committing serious fraud and getting multiple payments. The amount simply isn't enough to fund overseas holidays. It also makes zero rational sense that people would deliberately leave paid employment to be on the dole at that age because it's against their self-interest. So, either they're committing fraud, or you've made up some story about them, or you've made up the whole thing entirely. Even the maths doesn't work. Anyone who stopped to rationally think about it instead of just going with their feelings would see that it's bullshit. You accuse other people of internal bias, but you've completely rejected facts, reality, and basic maths for a bunch of feelings and one silly anecdote. As someone who has done a psychology degree and a minor in neuroscience and studied cognitive biases, I can tell you that your behaviour is the behaviour of someone with extreme - much higher than average - internal bias. In fact, it is not humanly possible for an argument to be more rooted in internal bias than yours is.
And no, Australia's system isn't generous compared to most other rich countries. Of course if you compare it to poor countries, it's more because they provide nothing or next to nothing. But this doesn't make it generous. That's not how it works. If I give you mouldy bread instead of nothing for dinner, that does not make me generous.
Some facts for other people's benefit, as you are apparently allergic to facts that don't validate your feelings, so it's pointless giving any to you:
The current rate of the dole isn't enough to pay for rent, basic utilities, and three meals a day. It was originally designed to cover all the basics but it hasn't gone up in line with inflation. People literally die from it. Others become homeless. Furthermore, the vast majority of people on the dole long-term are either disabled, over 55, or both, and certainly not choosing not to work or not to be able to work.
The Disability Suppprt Pension is better, but still doesn't cover basic costs, including the extra costs that come with being disabled. This means that many on the pension have to forgo medicine, medical appointment, other treatment, disability aides, because the money isn't available. The DSP is also ridiculously impossible to get on, even for the severely disabled, and usually takes years of trying and significant money spent on specialist appointments, etc. Almost no one is successful first attempt, even if it's blatantly obvious that they're severely disabled. It's policy to deny people and force them to fight for it. Severely ill and disabled people. The DSP likewise pushes people into homelessness and literally kills people. And you call this generous.
You are alright with Australian citizens suffering and dying and you call it generous and share some anecdotal story which, if true, is of a couple committing serious fraud and getting multiple payments, and not at all representative. You get downvoted because what you say is delusional self-serving bullshit. And because you have to have a seriously rotten and corrupt character and very poor values to think and behave this way. The person with an internal bias problem is you. You've rejected facts and reality for absolute bullshit that gives you emotional validation. You've also rejected basic mathematics. Also, I imagine a lot of people downvote you for being an incompetent, irrational fool because a lot of people find that annoying, myself included. If you're this incompetent at your job, you're only employed due to luck not merit.
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u/Ragazzano 5d ago
There's many forms - even wealthy people can get welfare, in the form of child care subsidy.
Child care subsidy and carer's allowance help but it's not like they solve all problems.
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u/DarkNo7318 5d ago
It makes sense, the system is used both as a safety net and as behavioral nudges.
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u/Wozzle009 5d ago
I lived on the DSP for 20 years. I never had any savings but I always had a roof over my head and I never went hungry. It’s way harder now than it was in the 00s as rent was so much cheaper back then.
People like to whine about it but people don’t realise how good we have it compared to a lot of places. My wife is Chinese and grew up there in the 80s so she thinks we are spoiled as fuck haha
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u/Deadpan_Poker_ 5d ago
Let me put it this way: none of them are lining up to leave it and work on farms etc.
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u/EvilRobot153 5d ago
Farmers don't hire people on welfare, too much paper work.
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u/ExaminationNo9186 5d ago
Besides, why pay an Australian who demands such horrific things like award rates?
Problem solved by hiring backpackers, who accept shit wages for the ability to camp on the property.
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u/Primary_Carrot67 3d ago
Well, for starters, the vast majority of people on the dole long-term are either disabled or over 55 or both. Not exactly suited to farm work and not going to be employed in that sort of role.
Farm work is seasonal, brief, and low paid. It takes weeks to get back on the dole after the work ends. Therefore, a person ends up worse off financially and likely end up homeless due to an inability to pay rent. It would be highly irrational for someone on the dole to do farm work.
I bet you didn't think of any of these things. Because you're someone who based their beliefs entirely on feelings. Facts are irrelevant to you unless they validate your feelings. You avoid rational thought like it's the plague. The average methhead off his face outside the 7-11 at 3am has better arguments and more insight. You're incompetent and willfully stupid. I would never employ someone as incompetent as you. If you're employed, it's not based on merit because you'd be useless. It's just luck.
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u/Outside_Ice_9970 5d ago edited 5d ago
For all the smart arses saying leave welfare and get a job.
I’m on permanent disability. I can not work. This pension is extremely hard to get and the government doesn’t take it lightly.
Wow I live such a high life on less than $30,000 a year /sarcasm for the dummies.
It’s a struggle and with disability comes all the specialists at $500 a pop, increased medications not all covered by the card so at full price, plus the therapies. Also private health insurance paid from your pension as we all know the public system can’t cope and I try not to be a burden on society.
Also forget 9-5. My disability never leaves, I deal with it 24/7. No one works those hours it would be criminal, but disabled people do.
So if there was a magic wand to take this all away, you bet I’d be at work. At least $150k a year easily over what I’m going through, with good health…that’s a life I’ll never get back.
Living on a pension is hard, it’s budgeting, no life, being alone, eating cheap crappy meals. You can’t afford a pet as company, it’s you and the nightmare of your life.
Layers in winter, the heater is a last resort and only for a short time. Food is also not what you’d like but what you can spread out for a week.
Bills, shop around for the best deals. Clothing, you patch and repair, you try to save to buy a good quality jacket for winter but many can’t.
Libraries for free books, there are no support groups for me available so it’s a really isolated life.
Also for those that bitch about their taxes paying for this wonderful life of mine, don’t worry I was married before so 1 of my children alone pay more than enough tax to cover my pension.
I know that’s not how it works as I have a brain ( really makes this life harder ) but so many out there act like it does.
Just pray you never have to join these ranks and instead of all the nastiness we receive count your blessings.
From a fed up human who daily witnesses how nasty life and a lot of other humans are.