Cyprus Agreement and foreign pension information 106-04011000
This document explains specific information about the Agreement including the process of making a claim for Australian payment under the agreement and coding of Cypriot payments.
General information
Social Security Agreement between Australia and Cyprus
Category title |
Description |
Cypriot social security system |
Cypriot social security system + Read more ... In Cyprus, national legislation needs the compulsory payment of social security contributions usually through deductions from paid employment. The Social Insurance Scheme covers most workers and the self-employed. Contributions insure individuals against disability and unemployment and provides for income in the form of a pension once the person reaches retirement age. A non-contributory benefit is in place for those who have lived in Cyprus long-term but who do not meet the requirements for a contributory pension. Social welfare benefits are also available for those with low income. The legislation is the responsibility of the Cypriot government, but administration and payment of pensions is the responsibility of the Department of Social Insurance Services. |
History and previous Agreements |
Widow B Pension and Bereavement Allowance + Read more ... Widow B Pension was sunsetted in 1995 and, along with Bereavement Allowance, stopped being paid from 2020. See: History and previous Agreements + Read more ... The Agreement with Cyprus started one 1 January 1993. There are no previous versions. |
Authorities, Institutions and Liaison Agencies |
Contact details for foreign pension authorities are available in the CODES facility. Competent authorities + Read more ... For Australia: Department of Social Services (DSS) For Cyprus: Υπουργείο Εργασίας και Kοινωνικών Aσφαλίσεων - Ministry of Labour and Social Insurance Competent institutions + Read more ... For Australia: Services Australia Note: the Australian Taxation Office (ATO) is responsible for double coverage provisions. For Cyprus: Υπηρεσίες Κοινωνικών Ασφαλίσεων (YKA) - Department of Social Insurance Services Liaison agencies + Read more ... For Australia: Centrelink International Services (CIS) Note: the Australian Taxation Office (ATO) is responsible for double coverage provisions. For Cyprus: Υπηρεσίες Κοινωνικών Ασφαλίσεων (YKA) - Department of Social Insurance Services |
Exchange of information and liaison forms |
See Agreement Country Document Catalogue (ACDC) for samples of forms, foreign documents and translations. Exchange of information + Read more ... Under the Agreement with Cyprus, information held about customers may be exchanged between the liaison agencies to determine entitlement to payments under the Agreement and under either country's domestic legislation (Article 16.1). For information on bulk data exchange, see International Data Exchange Program and auto indexation of foreign pensions. Australian liaison form + Read more ... The following liaison form is completed by Centrelink International Services (CIS) and sent to Cyprus:
For help with creating liaison forms, see Agreement liaisons, NZ CICs and exchange of information. Cypriot liaison form + Read more ... This liaison form is completed by Cyprus and is sent to Centrelink International Services (CIS). Liaison Form - CY/AUS2 This form is used in all communication from Cyprus.
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Medical assessments |
Medical assessments + Read more ... Under the Administrative Arrangements, each country will arrange for an agreed report to be and sent with claims for invalidity/disability pensions. Medical examinations may also be undertaken upon request for foreign pension claim purpose. Generally, the liaison agency will contact Services Australia with the request. There is no provision for reimbursement of costs to either country. The customer should contact Services Australia if they receive a direct request from the liaison agency to undertake a medical examination. Advise the customer to go through Services Australia’s foreign pension medical assessment process. Where the customer has already undertaken a medical examination based on a direct request from the Agreement partner without consulting Services Australia, the customer should contact the liaison agency to discuss any possible reimbursement options. If a customer is claiming reimbursement of costs based on undertaking a medical examination requested by Services Australia for foreign pension purpose, consider all evidence provided. For example, if incorrect advice was provided to the customer by Services Australia that caused them to seek an independent medical examination which caused the customer to be out of pocket. See Customer compensation and Act of Grace. See Agreement Country Document Catalogue (ACDC) for samples of forms, foreign documents and translations. |
Double coverage/Taxation and Healthcare |
See general information about early release of superannuation, refunds of contributions, double coverage, taxation and health insurance. Double coverage/certificates of coverage + Read more ... The Agreement with Cyprus does not include double coverage provisions but does have some provisions relating to coverage for Cyprus (Article 5) including provision for exceptions by agreement. Any enquiries about double coverage or certificates of coverage should be directed to the Australian Taxation Office (ATO) website. Taxation + Read more ... Any queries about taxation of pensions or the requirement to lodge a tax return should be directed to:
See general information on taxation, including issuing Australian payment summaries. Tax treaty Australia does not have a double tax agreement with Cyprus. Tax deduction Cypriot pensions are taxed (Φόρος) at the source. The gross rate of Cypriot pension, before any deduction, is maintained. Cypriot tax year Cyprus uses the calendar year (1 January - 31 December) as the tax year. Health insurance/Medicare + Read more ... Australia does not have a Reciprocal Health Care Agreement (RHCA) with Cyprus. See general information on health insurance and Medicare coverage. Any queries about:
Pensioners in Cyprus usually have a health insurance deduction (ΑΣΘΕΝΕΙΑ/ Ασθνέvεια) taken out of their Cypriot pension. The gross rate of Cypriot pension, before any deduction, is maintained. |
Additional information |
Languages + Read more ... Cyprus has two official languages, Greek and Turkish. Care must be taken with appropriate language and forms due to ongoing political sensitivities. See Greek and Turkish naming conventions and pronunciations. Refer to Mersin 10 Turkey/Turkish Republic of Northern Cyprus (TRNC) below for brief history. Cypriot naming standards + Read more ... Greek names and surnames may be written in many different ways. For example, CHRISTOS may also be written as XRISTOS, KRISTOS or CRISTOS. All known forms of the name must be recorded on the Customer Personal Detail Summary (CPDS) screen. Address and contact details + Read more ... Telephone country code is:
Addressing - Republic of Cyprus This is the addressing format for customer in the Republic of Cyprus. Address details differ for the Turkish Republic of Northern Cyprus (TRNC). See Mersin 10 Turkey/Turkish Republic of Northern Cyprus (TRNC) below for instructions how to code the address. Street address Title FirstName Surname [Addressee] Sofocleous 26 [Street name + house number] 2008 STROVOLOS [Postal code + locality] CYPRUS Post Office Box address Title FirstName Surname [Addressee] P.O. Box 56150 [Post box + number (always 5 digits)] 3304 LIMASSOL [Postcode + locality] CYPRUS Mersin 10 Turkey/Turkish Republic of Northern Cyprus (TRNC) + Read more ... Customers may reside in the northern region of Cyprus commonly called Turkish Republic of Northern Cyprus (TRNC) or Mersin 10 Turkey. TRNC declared its independence in 1983 and has received diplomatic recognition from Turkey/ Türkiye. The rest of the international community, including Australia, recognises the sovereignty of the Republic of Cyprus over the entire island. Coding: As region TRNC is considered as being in or from Cyprus, the following must be coded accordingly:
Same-sex relationships + Read more ... Cyprus has recognised same-sex relationships through civil unions since 9 December 2015. There is no official recognition of same-sex marriages in Cyprus. |
Australian payments
Rules for Australian payments
Category title |
Description |
Australian payments |
Payments covered under the Agreement + Read more ... For Australia, the Agreement with Cyprus (Article 2.1) covers:
Note:
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Australian claim forms and processes |
See Agreement Country Document Catalogue (ACDC) for samples of forms, foreign documents and translations. In Australia + Read more ... Claims for Australian payments under International Agreements use the same methods and processes as domestic claims. In Cyprus + Read more ... Forms to claim an Australian payment in Cyprus can be obtained by:
Australian forms needed Forms are available in either bilingual English/Greek and English/Turkish. The customer is to complete and provide the following: All claims:
DSP only:
Note: Cyprus arranges for the AUS175 to be completed on a case-by-case basis. CP only:
Forms can be lodged at any Cypriot Social Security office. Under Section 6 of the Administrative Arrangements, the Cypriot liaison agency will:
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Lodgement rules and start day |
All claims for Australian payments under International Agreements are assessed by Centrelink International Services (CIS). Residence rules for claims + Read more ... If a person is not an Australian resident and in Australia on the date the claim is made, they may use the Agreement to meet the residence rules for claims if, on that date, they are:
Claim lodgement + Read more ... Claims under the Cypriot Agreement Claims for Australian payment under the Cypriot Agreement may be lodged in certain other Australian Agreement countries. See the Claim lodgement matrix. Accepting other Agreement claims Cyprus will accept claims for Australian benefits under other Australian social security agreements. Claim lodgement consideration The customer must also satisfy any other rules under the other agreement and social security law provisions, including portability. For example, DSP can be claimed in a third country but has an ongoing residence requirement. Therefore, if the claimant is:
Date the claim is 'made' and start day + Read more ... The normal rules for working out the date a claim is 'made' and the start day apply to claims under the Agreement with Cyprus. However, the Agreement also allows:
For coding help, see: |
Qualification/Totalisation |
Totalisation of Qualifying Periods + Read more ... The Agreement allows:
Note:
See Resources in International Social Security Agreements for examples of totalisation Cypriot periods of coverage + Read more ... Cypriot periods of coverage:
Minimum Working Life Residence (WLR) to totalise + Read more ... To be able to use the totalisation provisions, a person who is not an Australian resident at the date of lodgement must have at least 12 months Australian Working Life Residence (WLR) in Australia of which 6 months must be continuous (Article 8.5(a)). Note: unlike WLR for rate, this period cannot be rounded. No minimum WLR is needed if the person is an Australian resident at the date of lodgement (Article 8.5(b)). Carer Payment (CP) + Read more ... CP has no qualifying residence periods but does have a Newly Arrived Resident's Waiting Period (NARWP). Beside normal exemptions, a NARWP only applies to a person who has 'entered Australia'. See Newly Arrived Resident's Waiting Period (NARWP) and Qualifying Residence Period. A person who is resident and present outside Australia has not entered Australia and therefore does not have a NARWP. To avoid granting CP to a person who has never been to Australia, the Agreement requires a person to have been an Australian resident at some time (Article 6 2). Ongoing residence requirements + Read more ... The Agreement allows the ongoing residence requirement for DSP, PPS and CP to be met by customers who reside in Cyprus (Article 15). |
Rate calculation |
The rate of payment may be affected by the Agreement with New Zealand. Outside Australia + Read more ... For customers outside Australia, the Agreement with Cyprus (Article 9.1) refers to the overall rate calculation contained in section 12(1) of the Social Security (International Agreements) Act 1999. This means customers paid under the Agreement have:
Note:
Non-proportional rate extension Customers paid under the Agreement and temporarily outside Australia, cannot have their non-proportional portability rate extended if they are unable to return to Australia. Returns to Australia The inside Australia rate applies immediately if a person paid under the Agreement returns to Australia. Inside Australia + Read more ... Customers in Australia under the Agreement are generally paid a direct deduction rate (Article 9.4). The Agreement does not include a comparison rate in Australia. Departures from Australia There is no temporary departure provision in the Agreement. The outside Australia rate applies immediately on departure regardless of the length of the absence. |
Portability |
Portability + Read more ... Payments under the Agreement Under the Agreement, provided the customer remains qualified, Australian payments are payable indefinitely in both countries, that is, for temporary or permanent absences (Article 15.1). Third country portability under the Agreement Portability to third countries for a customer paid under the Agreement is the same as for an autonomous customer leaving Australia (Article 15.2). See Portability of payments. |
Transfers to/from Agreement |
Transfers to the Cypriot Agreement + Read more ... If necessary, a customer who receives an autonomous payment that stops being payable due to portability reasons can transfer to the Agreement to continue receiving payments if:
If transferred to the Agreement, all Agreement rules apply to the customer, including portability and rate of payment. Transfers to autonomous + Read more ... A person who would be autonomously qualified but is paid under the Agreement can transfer from the Agreement to autonomous only if they are an Australian resident and in Australia. On return to Australia, system processing will automatically transfer to from the Agreement to autonomous if the person is an Australian resident who has only used the Agreement to extend their portability while outside Australia. Former resident provisions may affect customers who transfer to autonomous if they leave Australia again within 2 years of becoming an Australian resident. |
Paying customers in Cyprus |
Australian payments to overseas bank account Read more ... Australian payments may be issued to customers outside of Australia. If the customer intends to be outside of Australia:
See Delivery of payments to Centrelink customers outside Australia. |
Cypriot payments
Rules for Cypriot payments
Category title |
Description |
Cypriot payments |
Payments covered under the Agreement + Read more ... For Cyprus, the Agreement covers the Cypriot Social Insurance Scheme for particular payments. Main payments
Supplementary payments/Allowances
Other known payments + Read more ... The following known payments are paid by the Cypriot authorities but are not covered under the Agreement:
For help with:
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Comparable foreign payment (CFP) |
Requirement to claim CFP + Read more ... The requirement to claim Cypriot pensions applies to Cypriot AGE and INV. Customers may voluntarily claim Survivor pension or Orphan Pension using the SUR claim pack Eligibility for Cypriot payments + Read more ... Eligibility and coding of foreign pensions tab contains detailed information on Cypriot payments that are subject to CFP legislation. |
Cypriot claim forms and processes |
See Agreement Country Document Catalogue (ACDC) for samples of forms, foreign documents and translations. In Australia + Read more ... Claim packs are available for AGE/SUR and INV. Claim packs are issued through the Foreign Pension System (FPS). See Assisting customers to claim a foreign pension. Specific requirements for Cypriot claims The customer is to complete and provide the following: All claims: Note: bilingual English/Greek or English/Turkish versions are available.
AGE/INV only:
SUR only:
Requests for additional information If information provided with the claim for Cyprus pension is incomplete, Cyprus will send requests for information in Greek or Turkish direct to customers. Receipt of foreign pension claim by Services Australia Under the Administrative Arrangements, Cypriot forms can be lodged in Australia at any service centre. See Processing a foreign pension claim.
Centrelink International Services (CIS) only CIS will complete the following or arrange for the following to be completed as necessary and attach the documents to the foreign pension claim to send to the agreement country. See Agreement Liaison Detail (ALD) for method of transmission. All claims:
For help with creating and completing the liaison form, see Agreement liaisons, NZ CICs and exchange of information. CIS Staff do not need to sign/stamp the relevant section in the Cypriot claim form. INV only:
In Cyprus + Read more ... Enquiries about claims for Cypriot payments in Cyprus or a third country should be directed to the Cypriot social security authorities. |
Payment method and indexation (CPI) |
Payment method + Read more ... Cypriot payments may be paid by direct deposit in Australia. Any queries about the non-payment of Cypriot pension should be directed to the Cypriot pension authorities. Frequency + Read more ... Agreement pensions are paid as 12 regular monthly payments and a thirteenth payment. The thirteenth payment is made in December. Other benefits or private pensions are normally paid monthly or annually. Currency + Read more ... Cypriot pensions must be recorded in the source currency - Euro (EUR). Official statements provide the foreign currency amounts. Amounts recorded in source currency on the Foreign Pensions Details (FPD) screen must not be changed to the Australian dollar amount. For customers in the Turkish Republic of Northern Cyprus (TRNC), see currency information in Mersin 10 Turkey/Turkish Republic of Northern Cyprus (TRNC). Note: payments into Australia are made in Australian dollars. Indexation (CPI) + Read more ... Cypriot payments are generally increased for Consumer Price Index (CPI, or cost of living) in January each year. Increases in July may also occur from time to time. For information on bulk data exchanges and auto adjusted CPI increases, see International Data Exchange Program and auto-indexation of foreign pensions. |
Assessment |
The assessment and coding of Cypriot pensions may be affected by the Agreement with New Zealand. Agreement pensions AGE/INV/SUR are generally: + Read more ...
See Rate Calculation for when a direct deduction or proportional rate is applied. Note: each member of a couple is deemed to receive half of the total amount received by the couple (Article 9.5). The following payments are assessed as ordinary income: + Read more ...
Payments administered by ΤΚΕΑΑ are not ‘welfare benefits’ as defined by Article 1(1)(i).
The following payments are exempt: + Read more ... These payments are exempt income for customers paid under the Agreement or autonomously:
Death grant may be exempt from the income test if payable to the person who incurred expenses associated with the bereavement. Otherwise, the amount is assessed as ordinary income for 12 months from date of receipt (s1073 Social Security Act 1991). See Treatment of lump sums.
Funeral grant may be exempt from the income test if payable to the person who incurred expenses associated with the bereavement. Otherwise, the amount is assessed as ordinary income for 12 months from date of receipt (s1073 Social Security Act 1991). See Treatment of Lump Sums. |
Arrears debts and embargo |
The assessment and coding of Cypriot pensions may be affected by the Agreement with New Zealand. Arrears debts and embargo + Read more ... The Agreement includes embargo provisions (Article 14.5), but they are not used. Arrears debts for customers and their partners are raised under s1228A Social Security Act 1991 are recovered by normal methods under the Act. See Comparable Foreign Payment lump sum arrears debts. Arrears period and amount is generally provided by Cyprus. When an arrears period is not provided, the arrears period end date may be assumed to be the end of the month before the date on the notice or liaison form. A contravention debt may also occur if the customer does not advise of the grant of their Cypriot payment within their notification period. See Foreign pension coding. |
Life certificates, notices and documents |
See Agreement Country Document Catalogue (ACDC) for samples of forms, foreign documents and translations. Life certificates + Read more ... Life certificates are not used by Cyprus. Notices and documents + Read more ... Customers in Australia are sent notices at grant and will receive an annual statement each year. |
Eligibility and coding of foreign pensions
Eligibility Criteria for Σύνταξη Γήρατος - Old age Pension (AGE)
Table 1
Category title |
Description |
Claim limitations |
None |
Age |
65 years. |
Qualifying periods |
Domestic minimum: 10 years (120 months) Cypriot periods of coverage or Agreement totalisation: minimum of 12 months Cypriot periods of coverage, which can be totalised with Australian Working Life Residence (WLR) to meet the domestic minimum above. Note: Turkish Cypriots may not have paid contributions after 1974. See Mersin 10 Turkey/Turkish Republic of Northern Cyprus (TRNC). |
Expiry |
Death of pensioner. |
Compatibility |
Cannot receive with INV (transferred at qualifying age). Can receive with SUR. |
Eligibility Criteria for Σύνταξη Aνικανότητας - Invalidity Pension (INV)
Table 2
Category title |
Description |
Claim limitations |
None |
Age |
Subject to qualification. |
Qualifying periods |
Domestic minimum: 3 years (36 months) Cypriot periods of coverage or Agreement totalisation: minimum of 12 months Cypriot periods of coverage, which can be totalised with Australian Working Life Residence (WLR) to meet the domestic minimum above. Note: Turkish Cypriots may not have paid contributions after 1974. See Mersin 10 Turkey/Turkish Republic of Northern Cyprus (TRNC). |
Expiry |
Revision of incapacity, start of Old Age Pension or death of pensioner. Note: INV customers must lodge a claim to receive AGE. |
Compatibility |
Cannot receive with AGE (transferred on qualifying age). Can receive with SUR. |
Eligibility Criteria for Σύνταξη Xηρείας/Επίδομα Oρφανείας - Survivor Pensions (SUR)
Table 3
Category title |
Description |
Claim limitations |
None |
Age |
Not applicable. |
Qualifying periods |
Domestic minimum: Married and:
or Agreement totalisation: minimum of 12 months Cypriot periods of coverage, which can be totalised with Australian Working Life Residence (WLR) to meet the domestic minimum above. Note: Turkish Cypriots may not have paid contributions after 1974. See Mersin 10 Turkey/Turkish Republic of Northern Cyprus (TRNC). |
Agreement Totalisation |
Minimum of 12 months coverage, which can be totalised with Australian WLR to meet the domestic minimum. Note: for SUR, WLR of deceased must be certified. Note: Turkish Cypriots may not have paid contributions after 1974. See Mersin 10 Turkey/Turkish Republic of Northern Cyprus (TRNC). |
Expiry |
If becomes a member of a couple or, qualification dependent on children, children turn 18 (27 if student) or on death of pensioner. |
Compatibility |
Can receive with AGE/INV. |
Agreement pension coding
Table 4: This table contains coding of Cypriot Agreement pensions on the Foreign Pensions Details (FPD) screen.
Field |
Coding needed |
Country |
CY |
Type |
For:
Note: on a Notification of Grant letter in Greek language, the code for AGE pension is ‘ΓΉΡ’ and appears at the end of the reference number (‘Ap. φακ’), e.g. nnnnnnnn/ΓΉΡ.
Note: on a Notification of Grant letter in Greek language, the code for INV pension is ‘AKA’ and appears at the end of the reference number (‘Ap. φακ’), e.g. nnnnnnnn/AKA.
Note:
Do not code exempt Funeral or death benefit. |
Description 1 |
Only code this field if Ref 1 is blank If necessary, code the appropriate Cypriot pension name from the statement provided. |
Ref 1 |
Code the Cypriot Social Insurance Number, as provided by the Cypriot pension find on a:
Format: nnn to nnnnnnn (reference numbers can be between 3 and 7 numerical characters). |
Description 2 |
Code: ID CARD if the Cyprus National Identity Card number has been provided (usually provided on liaisons but not on Notification of Grant letters). Leave blank if the Cyprus Identity Card number has not been provided. |
Ref 2 |
Code the Cyprus National Identity Card number, if it has been provided. Format: nnn to nnnnnnn (Identity Card numbers can be between 3 and 7 numbers). Leave blank if not provided. |
Currency |
Euro (EUR) Note: for arrears period coding, see Arrears debts and embargo. |
Frequency |
4WE (13 payments). Note: see Frequency for details. |
Basic Amount |
Code the gross monthly amount as shown on the Notice of Grant or official pension statement. |
Social/Welfare Amt |
Code the gross amount for any known exempt welfare benefit. If the welfare benefit is paid separately to the main payment, code as Type: SOC and amount in Social/Welfare Amt: field. Otherwise, leave blank. |
Other payment coding
Table 5: This table contains coding details of other Cypriot payments on the Foreign Pensions Details (FPD) screen.
Field |
Coding needed |
Country |
CY |
Type |
For:
|
Description 1 |
Only code this field if Ref 1 is blank. If necessary, code the appropriate Cypriot pension name from the statement provided. |
Ref 1 |
If provided, code the Cypriot Social Insurance Number, as provided by the Cypriot fund. Format: nnn to nnnnnnn (reference numbers can be between 3 and 7 numerical characters). Otherwise, leave blank. |
Description 2 |
Code: ID CARD if the Cyprus National Identity Card number has been provided (usually provided on liaisons but not on Notification of Grant letters). Leave blank if the Cyprus Identity Card number has not been provided. |
Ref 2 |
Code the Cyprus National Identity Card number, if it has been provided. Format: nnn to nnnnnnn (Identity Card numbers can be between 3 and 7 numbers). Leave blank if not provided. |
Currency |
Euro (EUR) Note: for arrears period coding, see Arrears debts and embargo. |
Frequency |
MTH or ANN Note: for non-standard frequencies, see Frequency. |
Basic Amount |
Code the gross monthly amount as shown on the Notice of Grant or official pension statement. |
Social/Welfare Amt |
Leave blank. |