Submission to the NSW Legislative Council's Portfolio Committee No. 1 – Premier and Finance Inquiry into the Property Tax (First home Buyers Choice) Bill 2022
The right to appropriate housing is a fundamental human right. The fact that an increasing number of older people NSW wide are finding themselves without access to a secure home is unacceptable and urgently needs to be addressed. Without housing, people are unable to access other vital services such as healthcare or to meaningfully connect with and contribute to communities. Note of clarification: In recommendation 8 'Home at Last' refers to Housing for the Aged Action Group's program in Victoria that offers community education, assessments, tenancy and housing advice using a no-wrong-door approach that refers people to other relevant services rather than turning them away without help. In recommendation 11 'housing first approach' refers to prioritising safe, permanent housing as a first intervention rather than requiring people to engage with support services prior to being provided with housing.
Banking services are an absolutely essential service, and the closure of bank branches directly impacts people’s ability to access this service. There is a cohort of people who will never be able to use internet banking services for a range of reasons. CPSA is of the opinion that this Issues Paper does not accept that this cohort of people exists and ultimately fails to address the need for a banking services safety net that ensures every Australian, regardless of their age, technological skills, and personal banking choices, has access to banking services.
Submission to the Australian Energy Regulator Developing the Better Bills Guideline
As the position paper on the Retirement Income Covenant notes, the recent Retirement Income Review suggested that the retirement income system providing income in retirement is the fundamental role of compulsory superannuation, but that 30 years since its introduction “the retirement phase of superannuation remains under-developed”. There is, the position paper says, “substantial room for improvement in how the superannuation system delivers adequate incomes in retirement”.
Living in a home that is accessible is key to maintaining independence as you age. This booklet aims to give you a list of things to consider about your home or any home you might be considering moving into. It’s not exhaustive but is intended as an introduction to home accessibility for older people.
In our initial submission, we argued that (1) the NSW funeral industry should have a primary regulator with jurisdiction over the providers of funerals, interments and cremations, and (2) that Cemeteries and Crematoria NSW (CCNSW) is the agency best placed to be that primary regulator. In practice, this would mean that the oversight function currently performed by the Better Regulation Division of the Department of Customer Service would move to CCNSW, with the former retaining its complaints handling function in relation to funerals, interments and cremations, while public health regulations would remain with NSW Health.
CPSA understands the decision to not require specific terms to be included in granny flat arrangements in the interest of flexibility. However, there should be a requirement that all parties must be referred to materials that outline all possible negative outcomes, a sort of worst-case scenario list, before entering a granny flat arrangement. The negative outcomes list would aim to inform and encourage both parties to include solutions for negative outcomes in their granny flat arrangements. This list would inform people of what can go wrong with granny flat arrangements and serve as a reminder of the purpose of this legislative amendment, which is to prevent elder abuse.
CPSA’s members and constituency are for the most part older low-income retirees. As land lease communities are, under this Act, portrayed as affordable living arrangements, CPSA has a strong interest in ensuring legislation protects the interests of land lease residents many of whom live on low, fixed incomes such as the Age Pension.
Regardless of the larger economic benefits of the property tax proposed by the NSW Government, as more and more properties are opted into the property tax, eventually hundreds of thousands of low-income households will not be able to pay it.
CPSA's response to the Independent Regulatory and Pricing Tribunal’s Review of Competition, Costs and Pricing in the Funeral Industry.
This submission discusses the current system of governance in aged care in Australia and proposes a different model, aligning key interests with the agencies and groups best able to pursue them without being conflicted and with the welfare of aged people always at the centre.
The NSW Treasurer commissioned a wide-ranging review of NSW and federal financial relations. The review dealth with the issue of stamp duty, recommending it be replaced with a land tax and also suggested a number of ways land tax could be phased in. Included in that discussion was the option of accumulating land tax charges against the value of the owner-occupied home.
This is CPSA's response to the NSW Department of Planning, Industry and Environment’s Discussion Paper on a housing strategy for NSW, with a focus on housing issues and solutions for older people in NSW.
This submission responds to the affordability and equity of fares in rural and regional NSW, on-demand bus services and the potential broadening of concession eligibility.
This booklet looks at your options to draw down on your capital while not running out of money before you die.
The Aged Care Quality and Safety Commission was touted as the new broom that would sweep away the detritus littering aged care in Australia, but it has two CEOs of major aged care providers on its Board, plus a bevy of CEOs of organisations which have their own corporate barrow to push.
CPSA's report on housing insecurity and older people in NSW, updated with recent changes to housing legislation. Repealed legislation will remain in the text for historical reference, they will be clearly labelled.
The Treasurer announced a review into the retirement income system on 27 September 2019. This review was recommended by the Productivity Commission in its report Superannuation: Assessing Efficiency and Competitiveness and comes 27 years after the establishment of compulsory superannuation. The review is undertaken by a panel chaired by Mr Mike Callaghan AM PSM, with Ms Carolyn Kay and Dr Deborah Ralston as panel members.
In this submission, CPSA responds to some of the questions posed in the Royal Commission’s Consultation Paper 1.