South Australians on low or fixed incomes are being encouraged to apply for the state government’s Cost of Living Concession before the end of the year, with the annual payment of $261.90 offering welcome financial relief during the festive season.
With Christmas expenses piling up, the concession is helping thousands of households manage essential costs such as electricity bills and council rates. So far this financial year, more than $58 million has already been paid out, supporting over 222,000 tenants and homeowners across the state.
Eligible South Australians who are not yet registered must apply by 31 December to receive the payment for this financial year. Those who have previously applied and whose circumstances haven’t changed do not need to reapply, with payments made once per year.
Minister for Human Services Nat Cook said the concession can make a real difference at a time when many households are under pressure.
“The Christmas season can be tough for people already struggling to cover everyday costs. That’s when this extra support matters,” she said.
“With just one simple form, low-income earners can apply for all four household concessions, cost of living, energy, water and sewerage, and emergency services.
“A payment of $261.90 can make a big difference when money is tight. It helps cover essentials like bills and groceries.”
In January 2025, the concession was expanded to better reflect modern living arrangements, with renters and landlords in shared accommodation now eligible following the removal of the co-resident income assessment. The change came after the 2023 Concessions Review found many people were missing out simply because housemates earned above the income threshold or held different tenancy agreements.
COTA SA Chief Executive Miranda Starke welcomed the changes, saying cost pressures are being felt particularly strongly among older South Australians.
“Through our ongoing engagement with older South Australians, we know that older people are really feeling the pinch of the rising cost of living,” she said.
“Our recent Voices of Older South Australians report revealed that nearly half of those surveyed are cutting back on heating, cooling, food and even healthcare as cost pressures intensify.
She said recent improvements to concessions better reflect the reality that more older people are renting or living in shared households than ever before.
“When you’re facing rising costs, every bit of support matters. These changes make the system fairer and more accessible.”
For Don Wood, a COLC recipient, the payment has provided crucial breathing room during a challenging time.
“Honestly, this payment has been a lifesaver. With everything going up, like fuel prices, every bit of help counts.”
“Things are tough for a lot of us right now. The concession takes some of the pressure off, and I think more people should know it’s out there.”
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