Jun 25, 2026 – 12.19pmQ: My retired husband, 71, believes we have too many assets for the Commonwealth Seniors Health Card and doubts it’s worth the effort of finding out. I am 64 and don’t yet qualify. He has $2.38 million in super, of which $2.2 million is in pension phase. I understand only super in pension phase counts towards the deeming test. On adjusted taxable income, he earns about $2500 in dividends (after franking) plus about $10,000 in bank interest a year. I work part-time and earn about $16,000 a year untaxed, plus dividends of $7000 after franking. I have $2.5 million in super, of which $880,000 is in pension phase. We have no major health issues, but who knows what the future holds? – AnneA: The first thing to tell your husband is that the Commonwealth Seniors Health Card has no asset test. Eligibility turns on income tests and not asset wealth. On the figures you’ve given, Perth financial planner David McGregor says he could well qualify.Subscribe to gift this articleGift 5 articles to anyone you choose each month when you subscribe.Subscribe nowAlready a subscriber? Fetching latest articles