The Disability Support Pension (DSP) is a crucial safety net for many Australians who are unable to work due to illness or injury. However, navigating the ins and outs of eligibility, payment rates, and ongoing requirements can feel complex.

If you’ve found yourself searching for answers about “how much is the disability pension per fortnight,” “how long does disability support pension last,” or “how much money can I have in the bank on a disability pension Australia,” you’re not alone. These are some of the most common questions people have about the DSP.

This comprehensive guide aims to cut through the confusion and provide you with clear, up-to-date information straight from the source, helping you understand the Australian Disability Support Pension system. Our goal is to offer a more detailed and easy-to-understand resource than ever before, giving you the confidence to find the information you need.

What is the Disability Support Pension?

The Disability Support Pension (DSP) is a payment from the Australian Government, administered by Services Australia (Centrelink), for people who have a permanent physical, intellectual, or psychiatric condition that prevents them from working.

How Much is the Disability Pension Per Fortnight? Understanding DSP Payment Rates in 2025

One of the most pressing questions for many is the actual amount they will receive. The DSP payment rate is not a single fixed figure; it depends on your individual circumstances, including your relationship status (single or partnered) and your age.

Important Note: Centrelink payment rates are subject to change, typically in March and September each year. The figures provided here are based on the most recent publicly available information. For the absolutely latest and most accurate figures, it is always best to check the official Services Australia website or use their payment estimator tools.

As of the most recent update, here are the general maximum fortnightly rates (these are examples and subject to change - always verify with Services Australia):

  • Single, 21 or over: Up to approximately $1,116.30 per fortnight (including Pension Supplement and Energy Supplement)
  • Single, under 21 with dependent child: Up to approximately $1,116.30 per fortnight (including Pension Supplement and Energy Supplement)
  • Single, under 21 without dependent child: Varies depending on living situation and assessment.
  • Partnered, 21 or over: Up to approximately $841.40 per fortnight each (including Pension Supplement and Energy Supplement)

These rates can be affected by the income and asset tests.

Is the Disability Support Pension Means Tested?

Yes, the Disability Support Pension is subject to both an income test and an asset test. This means that any income you earn and the value of assets you own can affect how much DSP you receive.

The DSP Income Test: How Much Can You Earn?

Centrelink allows you to earn a certain amount of income before your DSP payment is affected. This is known as the income free area. If your income exceeds this amount, your DSP payment will be reduced gradually. For every dollar you earn over the income free area, your pension reduces by a certain amount.

  • For singles, there is an income free area per fortnight.
  • For couples, there is a combined income free area per fortnight.

Understanding how the income test applies to your specific situation is crucial. This includes income from employment, investments, and other sources.

How Much Can My Partner Earn Before It Affects My Disability Pension Australia?

If you are partnered, your partner’s income is also taken into account under the DSP income test. There is a combined income free area for couples. If your combined income exceeds this limit, your DSP payment will be reduced. The rate of reduction depends on how much over the limit your combined income is.

The DSP Asset Test: How Much Money Can I Have in the Bank on a Disability Pension Australia?

The asset test looks at the value of assets you and your partner (if applicable) own. This includes things like money in bank accounts, investments, real estate (excluding your primary residence), vehicles, and other valuable items.

Similar to the income test, there are asset value limits. If your assets are below these limits, they generally won’t affect your DSP. However, if your assets exceed the limits, your DSP payment may be reduced or even stopped. The asset limits vary depending on whether you are single or partnered and whether you are a homeowner or non-homeowner.

Important Note: Your principal home is generally exempt from the asset test.

How Long Does Disability Support Pension Last? Does Disability Pension Stop at 65?

The Disability Support Pension is designed to provide long-term support for individuals with permanent conditions that prevent them from working.

Generally, if you are granted the DSP, it continues for as long as you meet the eligibility criteria, including the medical rules and the income and asset tests.

A common question is whether the disability pension stops at 65. No, the Disability Support Pension does not automatically stop at age 65. If you are receiving DSP when you reach Age Pension age, you will generally be transferred to the Age Pension. However, your payment rate will usually remain the same or be very similar, and you will continue to receive pension-level payments. The transfer is typically administrative and ensures you continue to receive appropriate support.

Disability Support Pension Eligibility: How Do You Qualify?

Qualifying for the Disability Support Pension involves meeting strict medical and non-medical criteria.

The medical rules require you to have a permanent physical, intellectual, or psychiatric condition that is diagnosed, treated, and stabilised, and that prevents you from working for more than 30 hours per week. You will typically need to provide medical evidence from your doctors. Services Australia uses a comprehensive Impairment Tables assessment to determine the severity of your condition and its impact on your ability to work.

The non-medical rules include residency requirements and being aged 16 or over but under Age Pension age.

Disability Support Pension Advance Payment: How Much Can You Get?

If you are receiving the Disability Support Pension, you may be eligible for an advance payment. This allows you to receive a portion of your future DSP payments as a lump sum. Eligibility for an advance payment depends on your circumstances, how long you have been receiving DSP, and whether you have repaid any previous advances.

While this guide provides general information, your specific DSP entitlement will depend on your individual circumstances. Services Australia provides online estimators and calculators that can help you get an idea of how much you might receive based on your income and assets. These tools are valuable resources for understanding your potential payment rate.

In Conclusion: Understanding Your Disability Support Pension Payments

The Disability Support Pension is a vital support system for many Australians. Understanding the payment rates, the income and asset tests, eligibility criteria, and how long the payment lasts is essential for those who rely on or are seeking this assistance.

Remember that the information provided here is a general overview. For personalised advice and the most up-to-date details, always refer to the official Services Australia website or contact them directly.

Disclaimer: This blog post provides general information only and should not be considered financial or legal advice. Please consult with a qualified professional or Services Australia for advice tailored to your specific situation.

Frequently Asked Questions

How much is the disability pension per fortnight in Australia?

As of 2025, the maximum DSP payment for a single person aged 21 or over is approximately $1,116.30 per fortnight, including supplements. For couples, it’s about $841.40 per fortnight each. These rates are subject to income and asset tests and may change with indexed increases in March and September.

How much money can I have in the bank while on disability pension?

The asset limits depend on whether you’re single or partnered and a homeowner or non-homeowner. For single homeowners, you can have assets (excluding your home) up to a certain threshold before your pension reduces. For the most current asset limits, check the Services Australia website as they’re updated regularly.

How long does the disability support pension last?

The DSP continues for as long as you meet the eligibility criteria, including medical requirements and income/asset tests. It doesn’t automatically stop at age 65 - you’ll typically be transferred to the Age Pension at that point, usually with a similar payment rate.

How much can I earn on disability pension before it affects my payment?

There is an income free area, which is the amount you can earn before your pension starts to reduce. Once you exceed this amount, your pension reduces by 50 cents for each dollar over the limit. The income free area is indexed periodically, so check the Services Australia website for current figures.

Does my partner’s income affect my disability pension?

Yes, if you have a partner, their income is counted in the income test for your DSP. There is a combined income free area for couples, and if your combined income exceeds this limit, your pension will be reduced according to the income test rules.

Can I get an advance payment on my disability pension?

Yes, DSP recipients can apply for an advance payment, which is essentially borrowing from future pension payments. The minimum and maximum advance amounts depend on how long you’ve been receiving the pension and your circumstances. You can apply through myGov, the Centrelink app, or by contacting Centrelink directly.