The following scenarios provide guidance for when PPL claimants are to be assessed under the individual income limit or the family income limit, and when evidence is required to verify income.
Table 3: Income limits are indexed annually on 1 July. Evidence is required if the customer and/or partner’s ATI is 90% or more of the relevant financial year income limit. The following scenarios are based on the 2023/2024 income limit amounts.
|
Scenario |
Assessment |
Outcome |
|
Customer income - $130,000
Customer’s income is
-
below threshold to request evidence
-
below Income Limit
|
Online claim collects partner (Ptr) income? No
Ptr income? Not provided
Request evidence from:
-
Customer - No
-
Ptr - Not required
Assess PPL income Test under:
-
Individual - Yes
-
Family - No
Reject claim INC - No |
Customer has met the individual income test.
|
|
Customer income - $160,000
Customer’s income is:
-
above threshold to request evidence
-
below individual income limit
Customer chooses not to provide partner’s income at time of claim |
Online claim collects partner (Ptr) income? No (optional)
Ptr income? Not provided
Request evidence from:
-
Customer - Yes
-
Ptr - Not required
Assess PPL income Test under:
-
Individual - Yes
-
Family – No*
Reject claim INC - No |
If evidence confirms the customer’s income is:
-
under the individual income limit, they meet the individual income test
-
*over the individual income limit, request partner’s income to assess under the family income test
|
|
Customer income - $160,000
Customer’s income is:
-
above threshold to request evidence
-
below individual income limit
Customer provides partner’s income with claim.
Partner income - $100,000
Combined income - $260,000
It is below family income evidence threshold. |
Online claim collects partner (Ptr) income? Yes (optional)
Request evidence from:
Assess PPL income Test under:
-
Individual - Yes
-
Family - No
Reject claim INC - No |
Even though the customer’s income is above the individual evidence threshold, evidence is not requested.
Customer and partner’s combined income is under the family income evidence threshold and therefore evidence is not required.
Claim is assessed under the individual income test based on customer’s income below the income limit.
Customer has met the individual income test |
|
Customer income - $165,000
Customer’s income is:
-
above threshold to request evidence
-
below individual income limit
Customer provides partner’s income with claim.
Partner income - $175,000
Combined income - $340,000
-
above family income evidence threshold
-
below family income limit
|
Online claim collects partner (Ptr) income? Yes (optional)
Request evidence from:
Assess PPL income Test under:
-
Individual or Family based on evidence see Outcome
Reject claim INC - No |
If evidence confirms the customer’s income is:
-
under the individual income limit, they meet the individual income test
-
over the individual income limit, check partner’s income to assess under the family income test
If the partner's evidence confirms the combined income is under the family income limit, then the customer has met the family income test.
|
|
Customer income - $165,000
Customer’s income is:
-
above threshold to request evidence
-
below individual income limit
Customer provides partner’s income with claim.
Partner income - $315,000
Combined income - $480,000
It is above family income limit |
Online claim collects partner (Ptr) income? Yes (optional)
Request evidence from:
Assess PPL income Test under:
-
Individual - Yes
-
Family - No
Reject claim INC - No |
If customer’s evidence confirms their income is
-
under the individual income limit, then customer meets the individual income test
-
over the individual limit, then the customer does not meet either individual or the family income test.
|
|
Customer income - $180,000
Customer’s income is:
-
above individual income limit
-
but below the family income limit
Customer must provide partner’s income.
Partner's income - $100,000
Combined income - $280,000
It is below
-
family income limit
-
family income evidence threshold
|
Online claim collects partner (Ptr) income? Yes (mandatory)
Request evidence from:
Assess PPL income Test under:
-
Individual - No
-
Family - Yes
Reject claim INC - No |
Customer’s income is over the individual income test limit.
Claim is assessed under the family income test.
Combined income is under the threshold to request evidence under the family income test.
Customer has met the family income test. |
|
Customer income - $180,000
Customer’s income is:
-
above individual income limit
-
but below the family evidence threshold limit
Customer must provide partner’s income.
Partner's income - $160,000
Combined income - $340,000
Combined income is
-
below family income limit
-
above family evidence threshold
|
Online claim collects partner (Ptr) income? Yes (mandatory)
Request evidence from:
Assess PPL income Test under:
-
Individual - No
-
Family - Yes
Reject claim INC - No |
Customer’s income is over the individual income test limit.
Claim is assessed under the family income test.
If customer and partner income evidence confirms combined income is under the family income test limit, the customer has met family income test.
|
|
Customer income - $180,000
Customer’s income is:
-
above individual income limit
-
but below the family evidence threshold
Customer must provide partner’s income.
Partner's income - $315,000
Combined income - $495,000
Combined income is above family income limit |
Online claim collects partner (Ptr) income? Yes (mandatory)
Request evidence from:
Assess PPL income Test under:
-
Individual - No
-
Family - No
Reject claim INC - Yes (auto) |
Customer’s income is over the individual income test limit.
Claim is assessed under the family income test.
Combined income is over the family income test limit.
Evidence is not required.
Customer does not meet the family income test. |
|
Customer income - $330,000
Customer’s income is:
-
above individual income limit
-
above family evidence threshold
-
but below the family income test limit
Customer must provide partner’s income.
Partner's income - $15,000
Combined income - $345,000
Combined income is
-
above family evidence threshold
-
below family income limit
|
Online claim collects partner (Ptr) income? Yes (mandatory)
Request evidence from:
Assess PPL income Test under:
-
Individual - No
-
Family - Yes
Reject claim INC - No |
Customer’s income is over the individual income test limit.
Claim is assessed under the family income test.
Combined income is over the family evidence threshold and under family income test limit.
If customer and partner evidence confirms combined income is under the family income test limit, then the customer has met the family income test. |
|
Customer income - $315,000
Customer’s income is:
-
above individual income limit
-
above family evidence threshold
-
but below the family income test limit
Customer must provide partner’s income.
Partner's income - $50,000
Combined income - $365,000
Combined income is
-
above family income limit
|
Online claim collects partner (Ptr) income? Yes (mandatory)
Request evidence from:
Assess PPL income Test under:
-
Individual - No
-
Family - No
Reject claim INC - Yes (auto) |
Customer’s income is over the individual income test limit.
Claim is assessed under the family income test.
Combined income is over the family income test limit.
Evidence is not required.
Customer does not meet the family income test. |
|
Customer income - $370,000
Customer’s income is:
-
above individual income limit
-
above the family income test limit
Partner's income will not be requested
|
Online claim collects partner (Ptr) income? Not required
Request evidence from:
Assess PPL income Test under:
-
Individual - No
-
Family - No
Reject claim INC - Yes (auto) |
Customer does not meet the individual income test or family income test. |
Table 4: income limits are indexed annually on 1 July. Evidence is required if the customer’s ATI is 90% or more of the relevant financial year income limit. The following scenarios are based on the 2023/2024 income limit amounts.
|
Scenario |
Assessment |
Outcome |
|
Customer income - $130,000
Customer’s income is
-
below individual threshold to request evidence
-
below individual income test limit
|
Request evidence: No
Assess PPL income Test under:
-
Individual - Yes
-
Family - No
Reject claim INC - No
Collect partner income if later found to be partnered at claim: No |
Customer has met the individual income test.
|
|
Customer income - $165,000
Customer’s income is
-
above threshold to request evidence
-
below individual income test limit
|
Request evidence: No
Assess PPL income Test under:
-
Individual - Yes
-
Family - No
Reject claim INC - No
Collect partner income if later found to be partnered at claim: No |
Even though the customer’s income is above threshold to request evidence under the individual test, they are below the family income test limit as a single customer.
Customer is assessed under individual income test based on customer’s income |
|
Customer income - $185,000
Customer’s income is
-
above individual income test limit
-
below family evidence threshold
|
Request evidence: No
Assess PPL income Test under:
-
Individual - No
-
Family - Yes
Reject claim INC - No
Collect partner income if later found to be partnered at claim: Yes - see outcome |
Customer’s income is over the individual income test limit.
Customer’s income is under the threshold to request evidence under the family income test limit.
Evidence is not required.
Assess under the family income test.
If later found to be partnered at claim, partner income is required.
Evidence will be required for customer and partner if the combined income is above the threshold to request evidence under the family income test but under family income test limit. |
|
Customer income - $335,000
Customer’s income is
-
above individual income test limit
-
above family evidence threshold
-
below family income test limit
|
Request evidence: Yes
Assess PPL income Test under:
-
Individual - No
-
Family - Yes
Reject claim INC - No
Collect partner income if later found to be partnered at claim: Yes - see outcome |
Customer’s individual income is over the individual income test limit.
Assessed under the family income test.
Customer’s income is over the threshold to request evidence under the family income test but is under the family income test limit.
If the customer’s evidence confirms their income is under the family income test limit, the customer has met the family income test.
If later found to be partnered at claim, partner income is required.
Evidence will also be required for the partner and assess if combined income is under family income test limit. |
|
Customer income - $380,000
Customer’s income is
-
above individual income test limit
-
above family income test limit
|
Request evidence: No
Assess PPL income Test under:
-
Individual - No
-
Family - No
Reject claim INC - Yes auto
Collect partner income if later found to be partnered at claim: No |
Customer has NOT met the individual income test or family income test |
Expand all
Income evidence requirements for children born or entered care on or after 1 July 2023