Disabled on fixed income, looking to accrue Qantas points for travel.

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I have to work systems and get more for my 13.2k p/a than most people can conceive of being possible

Just FYI - achieving Gold will require a minimum $2k spend on flights for yourself only, $4k for Platinum, and upwards of $12k for Platinum One. These figures are absolute minimums and assume you book during DSC, fly on the cheapest dates and as indirectly as possible. It doesn't include costs for hotels, transfer, etc, so make sure you factor that in too.

I don't want to be a killjoy but I simply cannot see how it's possible to chase status on 13.2kpa.

Had I processed over 10k in hardware expenses through one of these rewards programs, over the last 12 months, how many points would have by now exactly? A bajillion?

No, you'd probably have about 10,000 points - enough for a one-way SYD-MEL flight but certainly not enough to fund a whole holiday.

Depending on where you're spending that $10k and which card you're using, additional surcharges of 1-3% might be incurred for paying with card, so factor that into your calculations too.

Can I suggest you go back and crunch the numbers a bit more?
 
Just a note to the OP to ensure they have obtained/budgeted for international travel insurance for the trip to Japan / any overseas travel. And in particular cover for “pre existing conditions” which may need to be clarified with the insurer. Given living on a limited income, wouldn’t want to get stuck with unexpected / un-insured bills, especially medical.

Excellent point. Also, a previous post by the OP spoke about having better than government medical coverage as long as being in possession of a ticket.
Newb, just to be clear, most travel insurance does not provide cover for medical while in Australia.
 
The OP mentioned private health as well. That will cover Australia (except for the gap ++)
 
The OP mentioned private health as well. That will cover Australia (except for the gap ++)

Yep, there were a couple of mentions about private health insurance, but some of the wording I found a bit confusing and possibly suggesting forgoing a certain level of private hospital cover under the assumption that travel insurance would cover it:

I have no worries whatsoever about my health being a factor because if I pay for insurance, it's not my problem if I get hurt, injured or sick and I'll get better treatment than I received from the government for like 350 bucks a year for a friend and I that would be valid whenever I have a ticket on me.

Travelling like that would also mean I'd constantly be covered by their multi-pass travel insurance and I could go for a cheaper monthly insurance plan and still get all the chiro, physio, dental, renal treatments I need because if I get sick, hurt or injured or killed while in possession of a ticket I would be covered by the 360 dollar yearly plan with my elite level comprehensive extras costing 100 dollar monthly with the disability insurance scheme/pensioner's card for excess/regular/backup access to hospital system.
 
Newb just a suggestion to tone down all the VR commentary? I feel like you're trying to sell something. Just me personally. It's great that's your passion but it's not really germaine to what you're trying to achieve here imho.

Anyway you mention taking advantage of your carer+partner (I am going to assume one of these is a parent/family member but that could be wrong) because QFF allows "sharing" of points. I am guessing you mean family transfers? Remember these are limited in amount of transfers and points per year. It may in fact be more useful to consider Virgin Velocity which allows family pooling (including SC's) so that you could more fully take advantage of others' spend and travel. For example with QFF you can't apply status credits earn from anyone else.

I also find the idea of equating your travelling around vic with your girl-friend, sleeping by the road in camp grounds and eating $5 parmas to do it on the cheap to spending time in airports to, in theory, catch cheap[ flights that crop up (and several of us have been through the problems with this idea earlier) ... airports are not cheap places to spend a lot of time in, and even if one had basic lounge access such as the Qantas Club, a $5 parma is a grand feast compared to the usual fare at a QC (unless you love toasted sangas and soup/salad) and remember that you would STILL need a same day boarding pass to access the lounge .. and while there are ways to address that issue, there's certain others who have tried this and it's not ended well, for example.. Genius Man Used One First Class Aeroplane Ticket To Eat Free For A Year) and I would suggest that if you were seen in the same lounge(s) for long periods of time over a period of time staff would definitely wise up (not to mention the res systems). While the guy in the story referenced did a very smart thing - and is exactly the sort of "hack" you clearly want to take advantage of, remember it's a little different in Oz for a number of reasons.. not least of which if you were to buy a refundable F fare, to use the QF F lounge endlessly you'd have to exit and enter the country on a daily basis... I think the AFP/Customs would be most interested in that activity, let alone QF....

I am NOT trying to be a downer to the ideas to play the system and do what you want to do.... however I am trying to be a realist
 
Re travel with insurance (domestic or int) remember that just about all insurance plans will NOT cover anything related to an established illness/condition/disability, or anything resulting from that.. as in an existing medical condition. Sure, your bag is stolen or you get hit by a car sure... but anything related to existing stuff? Forget it unless you had a specific plan tailed to the condition, which would be quite exxy depending on the nature of one's pre existing condition.

One needs to read the fine print on what is and is not covered and be very aware.
 
Edit - I went back and read the OP's posts but am not sure if they are on a DSP or some other NDIS funding or are self funded.

The other thing that comes to mind (and I don't know to what extent) is the OP's DSP and provision of part-time carer. Any changes to living arrangements can trigger a review of this. I cannot see DHS being overly happy with a client who whilst unable engage in paid employment is able to travel the world and still receive welfare payments. Because the disability is not specified I am being very general in my comments - it may or may not be a factor that could come into play. I am hoping that the OP has considered if there is any possible/likely change to their DSP as a result of this new lifestyle.
Excellent point. If on centrelink they require notification of all trips out of Australia. A couple I know travelled on a ship that touched into Bali. They didn’t even think of notifying Centrelink. When they returned they wanted to fill some scripts but the pharmac_ said their benefit had been declined and they later found out that centrelink had been informed via immigration.
 
And the food sucks.

when you folks talk about scrambled eggs on toast made by another human being while sitting on comfortable seats and doing whatever you please with your electronic devices as you chug complimentary wine/beer as being "****", I think you're all massively spoiled.

I suspect this may have been partially aimed at me.

I was actually the human being who assembled sandwiches for people in business and first class for the best part of a decade. And something like one J trip on JL to Japan every year or two doesn't strike me as entirely unrealistic if you budget carefully.

Much of the other stuff you're saying *does* seem unrealistic to me, including your expectations as to how the food might compare with a simple sandwich from your local (especially given that you live in Melbourne). The "free" food and booze in lounges and on flights is by no means free, nor especially cost-effective.

Family tragedy ended my first career, and I now make ends meet in a number of ways while sharing caring responsibilities for a high-needs child. So I am not unsympathetic, but nor am I "spoiled", massively or otherwise.
 
Excellent point. If on centrelink they require notification of all trips out of Australia. A couple I know travelled on a ship that touched into Bali. They didn’t even think of notifying Centrelink. When they returned they wanted to fill some scripts but the pharmac_ said their benefit had been declined and they later found out that centrelink had been informed via immigration.

Good point! It make me check to see if my parents needed to notify centrelink (aged pension) for their travels... but luckily they don't. You only need to notify for aged pension if you are travelling for more than 6 weeks in any one journey. (By the looks of it some other benefits require Centrelink to be notified regardless of the duration of the trip overseas.)
 
Good point! It make me check to see if my parents needed to notify centrelink (aged pension) for their travels... but luckily they don't. You only need to notify for aged pension if you are travelling for more than 6 weeks in any one journey. (By the looks of it some other benefits require Centrelink to be notified regardless of the duration of the trip overseas.)

Completely avoidable if you work or volunteer part-time and are only required to do a certain amount of hours per fortnight because of reduced work capacity and can provide documentation showing that you'll be receiving some sort of medical treatment or are leaving for some sort of medical reasons which I can provide if needed, already discussed it with my doctors although they think I'm better off applying for DSP which I've qualified for recently.

There is no need to notify them as long as I don't leave the country, if I leave for short periods of time and I provide the right documentation there is no problem, further more if I get DSP like my doctors want me to which I'm eligible for, it's 28 days unrestricted overseas travel per year with no rigmarole getting paperwork.

It's only people on the regular centerlink payments who have this problem because they are expected to do a certain amount of hours, studying part-time satisfies their requirements. If I were to do a full-time course via the internet, that would prevent them from ever taking it away as long as I'm in a recognized course.

Worst comes to worse and they cut me off? I can walk into a hospital, get out one week later and they have no legally choice but to give me my payment and backpay me for the time I didn't have it on newstart as it's a legal requirement.
 
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Completely avoidable if you work or volunteer part-time and are only required to do a certain amount of hours per fortnight because of reduced work capacity. It's only people on the regular centerlink payment for unemployment who have this problem because they are expected to do a certain amount of hours, studying part-time satisfies their requirements. If I were to do a full-time course via the internet, that would prevent them from ever taking it away as long as I'm in a recognized course.
So you aren't on a full disability pension then?

Good point! It make me check to see if my parents needed to notify centrelink (aged pension) for their travels... but luckily they don't. You only need to notify for aged pension if you are travelling for more than 6 weeks in any one journey. (By the looks of it some other benefits require Centrelink to be notified regardless of the duration of the trip overseas.)

I think their trip was only three weeks and their normal payments didnt change, it was only when they went to get their medications that it came unstuck. This was a few years ago so it might have changed.

I suspect this may have been partially aimed at me.

I was actually the human being who assembled sandwiches for people in business and first class for the best part of a decade. And something like one J trip on JL to Japan every year or two doesn't strike me as entirely unrealistic if you budget carefully.

Much of the other stuff you're saying *does* seem unrealistic to me, including your expectations as to how the food might compare with a simple sandwich from your local (especially given that you live in Melbourne). The "free" food and booze in lounges and on flights is by no means free, nor especially cost-effective.

Family tragedy ended my first career, and I now make ends meet in a number of ways while sharing caring responsibilities for a high-needs child. So I am not unsympathetic, but nor am I "spoiled", massively or otherwise.

I think anyone who said the food wasnt that great got a bit of a blast. I decided I'd ignore it until now.
 
Completely avoidable if you work or volunteer part-time and are only required to do a certain amount of hours per fortnight because of reduced work capacity. It's only people on the regular centerlink payment for unemployment who have this problem because they are expected to do a certain amount of hours, studying part-time satisfies their requirements. If I were to do a full-time course via the internet, that would prevent them from ever taking it away as long as I'm in a recognized course.


I know from one daughter who was at Uni after turning 22 and who became eligible for the Centrelink Student payments as she was deemed to be independent as she was 22, that those on Student payments from centrelink have to report any overseas travel, and for the duration of such travel all payments are ceased.

I do not know if it applies to students under 22, but it definitely applies to to those who are 22+
 
It's only people on the regular centerlink payment for unemployment who have this problem because they are expected to do a certain amount of hours, studying part-time satisfies their requirements.

This isn't correct, read this as an example of how DSP recipients are affected by overseas travel.

You can get your Disability Support Pension for up to 28 days in a 12 month period if you travel overseas temporarily. It doesn’t matter if you make a single trip or multiple trips.

Let us know at least 6 weeks before you plan to leave Australia.

This gives us time to arrange a medical review if needed. A medical review helps us decide if you can get your payment while overseas for longer than 28 days in a 12 month period.

We may pay your Disability Support Pension for longer while travelling outside Australia if you’re:
  • studying outside Australia as part of a full time Australian course
  • severely disabled and depend on, and live with, a family member posted outside Australia temporarily for work, or
  • assessed by us before you leave Australia and you have a permanent and severe impairment that means you can’t work in the future

You absolutely should notify Centrelink before you leave the country if you want to ensure your payments continue.

I'm aware you may receive a different type of payment - the point I'm making is that it's not just people on the "regular centrelink payment for unemployment" who are affected.
 
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I know from one daughter who was at Uni after turning 22 and who became eligible for the Centrelink Student payments as she was deemed to be independent as she was 22, that those on Student payments from centrelink have to report any overseas travel, and for the duration of such travel all payments are ceased.

I can confirm this as the previous recipient of Youth Allowance during a year abroad, as part of an Australian university degree. I was required to notify Centrelink before leaving and report my income on a fortnightly basis. It's quite possible things have since changed, these were the requirements previously and I can't imagine Centrelink has made things any easier.
 
So you aren't on a full disability pension then?



I think their trip was only three weeks and their normal payments didnt change, it was only when they went to get their medications that it came unstuck. This was a few years ago so it might have changed.



I think anyone who said the food wasn't that great got a bit of a blast. I decided I'd ignore it until now.

I wasn't blasting anyone I was just pointing out that not everyone's standards are the same. My perspective on what is coughty or not is skewed by the lifestyle I'm forced to live. A rotting steak is unparalleled luxury for a dog, what do you think is luxury for the disabled?

It's extremely hard to get without a stack of medical evidence which I do have but took years to accumulate, I've had 3-4 three month exemptions per year since 2011 + I was hospitalized involuntarily 3 times in 3 years for a total of 9 months and the only reason I didn't get DSP back then was because I was too sick to fill in the paperwork and keep on top of bureaucratic processes and I had no one helping me because they too though I would get better, haven't been that acutely ill for a very long time(2015) but I'm still suffering from the aftermath and managing my illness is my full-time job as my doctors will tell you.

They tried so many different medications(27 all up) on me that my symptoms became worse for a number of years and it was only after I had a black box reactions to two different medications in the same year that they reduced my medication to the weakest, least harmful mood stabilizer available and tossed the anti-psychotics except for short-term intervention to prevent/end an episode before it takes off after enough needling. I regained the ability to read and understand paperwork, control my emotions more successfully (those things made me aggro, irritable and suicidal, a known side effect of many psychiatric drugs) and pulled off what I did in the last year and a half versus sitting alone in a slowly decaying room with slowly decaying hardware living only to visit my physicians and my centerlink appointments.

I spend most of my time slowing/prevent further degradation which is typical and expected which each and every episode that isn't nipped in the bud and carefully managed to prevent permanent brain damage. Every episode does similar damage to a seizure and I've had four, three severe enough to warrant hospitalization, once for four months. I haven't had an episode since I changed the way I approach life and I do it with a minimum of medication using diet, cardio, meditation and extremely frequent visits to private medical professionals.

Rather than give me DSP when I got sick, they gave me the paperwork told me to submit it and they put me on 8-14 hours work capacity then handed me exemptions non-stop for the entire period while continuously suggesting I apply for DSP again when I've got more evidence which I refused to do after a couple of attempts early on because I thought I could improve my health and get back to work in a regular job which I've tried numerous times but found myself unable to hold anything down long-term after I got ill because of the nature of my illness.

It's only been since I accepted that I would never fully recover that I've made the progress I have by managing my life in such a way that I don't trigger full-blown flare ups and mostly have to deal with the chronic rather than acute symptoms of my illness which is crippling enough.

28 days per year on DSP is acceptable for me and I don't care if I have to voluntarily admit myself to a private mental hospital when I return from Japan in late May to fast track re-initialization of my current payment if they cut it off and simply ensure I have enough money to last me in Japan until I get back.

If I need medical permission each year to drive, what do you think my chances are of getting DSP considering I've had over 64 3 month exemptions approved by centerlink? This means they, themselves on their own records admitted I was incapable of working for years with only sporadic periods of employment and only two courses completed in the entire period, one of which was done this year with 75 percent of my coursework completed in the middle of night from home and less than 50 percent attendance rate(acceptable with documentation).

I pre-studied some of the coursework in advance of the course and had the teacher stuff I didn't understand even if it wasn't being covered yet once the course started so that if I got hit by a depressive spiral which made it hard to leave the house, I could finish the school work from home whenever I could without stressing out about whether or not my insomnia would leave me trying to learn in classroom after having not slept for 2 and half days. It worked, my teacher was happy to let me come in on the last day and let me use stuff I did at home to finish the course after I modified it to meet the coursework grading rules to pass. Pulled it off without a hitch and I have permission to do the same thing next year, I'm studying in advance so that if the worst should happen I should be competent enough to complete with the work with minimal class time because I'm familiar enough with the basics to do my schoolwork without much assistance.

Prisoners and Mental patients skip the wait and all requirements upon release and are back-dated somewhat(patients at least) so you can voluntarily admit yourself to a hospital if you have a condition that is symptomatic with very little effort, get released after having been treated and monitored for awhile and have your payment back dated to the day you walked into the hospital.
 
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I have to admit to being a bit confused :eek:
A) Accruing FF points for reward flights in J (or F) and therefore having lounge access or
B) accruing SC to achieve status and having lounge access even for Y flights?
What is it that the OP is after?
Having other people take out CC for the points will help with A but will have no effect on B. It just seems like wading through custard.:p

And it seems they are not on a DSP at all (or have I read this incorrectly)? So is it Newstart? Auststudy? There are rules covering travel outside Australia for all welfare payments. The voluntary admission to hospital and then fast track to reinstatement of benefits is not without risk and I wouldn't be relying on that for income.
 
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I have to admit to being a bit confused :eek:
A) Accruing FF points for reward flights in J (or F) and therefore having lounge access or
B) accruing SC to achieve status and having lounge access even for Y flights?
What is it that the OP is after?
Having other people take out CC for the points will help with A but will have no effect on B. It just seems like wading through custard.:p

I was hoping for both, but will settle for obtaining a premium pass and slowly building up enough points to get lifetime silver or gold over the next decade. I don't mind flying domestic most of the time, easier on me because of centerlink.

Overseas travel will require me to either have DSP if it's more than once per year and under 28 days or book myself into a mental hospital immediately upon returning in order to automatically trigger payment when I leave hospital on my current payment or over a month on DSP without permission. I could book myself in for observation in any mental ward and that would be enough to force them to backdate me to when I voluntarily admitted myself and ignore all other considerations for at least a year.

After having been put through all of that by force, you pick up on a few things that most people don't.
 
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I spend most of my time slowing/prevent further degradation which is typical and expected which each and every episode that isn't nipped in the bud and carefully managed to prevent permanent brain damage. Every episode does similar damage to a seizure and I've had four, three severe enough to warrant hospitalization, once for four months. I haven't had an episode since I changed the way I approach life and I do it with a minimum of medication using diet, cardio, meditation and extremely frequent visits to private medical professionals.

Given this summary, excessive unnecessary air travel sounds like the worst possible thing you could put yourself through.

What happens if you have a seizure in the air? How quickly would you require medical assistance? If it took 30, 45 or 60 minutes to land and get you to a hospital, what would the consequences be?
 
Excellent point. If on centrelink they require notification of all trips out of Australia. A couple I know travelled on a ship that touched into Bali. They didn’t even think of notifying Centrelink. When they returned they wanted to fill some scripts but the pharmac_ said their benefit had been declined and they later found out that centrelink had been informed via immigration.

Benefits often stop when you leave the country and resume when you return. Depends on the benefit of course. With newstart I was required to justify how I could afford the trip, even though it was booked/paid for long before I was on their books.
 
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