Helping Your Family Without Losing Your Pension

36-page guide to Centrelink's gifting rules — and how to help your children and grandchildren without triggering the five-year deprivation rule. By Craig Millar, retired tax preparer, 38 years experience.

Covers: what Centrelink calls a "gift" • the $10,000/$30,000 limits • deprived assets and five years of consequences • lending money to family (genuine loans vs gifts) • helping with grandchildren's education • adding family to your home title • the recontribution strategy • Special Disability Trusts.

All figures verified against Services Australia for 2026/27.