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The Instruction of Finishing Notification Of Proposed Overseas Travel Ab644 Department Of Defence Gov on the Internet

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CocoSign's Guide About Finishing Notification Of Proposed Overseas Travel Ab644 Department Of Defence Gov

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Notification Of Proposed Overseas Travel Ab644 Department Of Defence Gov Request Guide

so you're thinking about transferring to.the Australian Defence Force to help you.make the move down under there are a.number of issues which may directly.affect your personal and your family's.financial affairs that you'll need to.consider.hi I'm Nina May the ATF financial.services consumer Council and defense.families of Australia have asked me to.inform you about some of those financial.issues although we're going to focus on.lateral transfers from the United.Kingdom many of the messages are just as.applicable to people transferring from.other countries defense horses even.though there are plenty of similarities.between the United Kingdom's Armed.Forces and the ADF there are differences.that may directly affect your family's.affairs this film and its accompanying.booklets you and your money in Australia.highlight the major issues facing.transfers from the United Kingdom and.other overseas forces to the ADF the.booklet goes into more detail than we.have time to cover here so make sure you.download a copy from the councils.website for your reference.once you've been accepted to join the.ADF you your spouse and any accompanying.children will be granted permanent.residency in Australia after 90 days.service with the ADF you'll be required.to apply for Australian citizenship.although any children under 16 who.emigrate with you will also be able to.obtain citizenship at the same time.current immigration rules mean that your.spouse and any children over 16 must.live in Australia for four years before.being eligible to apply for Australian.citizenship.your time with the ADF commences as soon.as your official paperwork is finalized.to the Australian High Commission or.embassy as a person liable to pay tax.it's critical that you apply for an.Australian tax file number or TFN as.soon as possible a tfn is essential for.anyone earning income in Australia you.must have won the Australian Taxation.Office allows the Department of Defence.payroll office to deduct tax for up to.one month without having a TFM on the.assumption that you will supply it to.them if you haven't given them your TFN.after one month they will have to deduct.tax at the highest tax rate which is.currently about 46 percent you will also.need to apply for a tier fen for your.spouse and children if they plan to earn.any income whilst in Australia.as a member of the ADF you'll receive.medical and dental care however your.spouse and children will be treated as.normal.Australian residents it's therefore.important that you understand how the.Australian healthcare system works.healthcare in Australia is provided both.by government and private operators.Medicare is a federal government agency.which pays many healthcare costs there.are three parts to Medicare medical.covering all or partial doctors fees.pharmaceutical with medicines listed on.the pharmaceutical Benefits Scheme being.heavily subsidised and hospital fees.when you arrive in Australia your family.should apply for a Medicare card as soon.as possible.beyond Medicare there are also medical.costs that are not covered such as.ambulance services dental physiotherapy.and so on so you should assess the gap.in cover for your family and consider.taking out suitable private health.insurance for them you might like to.contact defense health or navy health.the two defence own private health funds.for further information.in Australia pension schemes are called.superannuation funds or super for short.it's important to note that pension.payments paid from the various UK.military pension schemes are taxed in.Australia under most UK military pension.schemes a lump sum will be payable these.payments are also taxed in Australia tax.will apply if the lump sum is paid.either directly to you or directly into.a super fund in Australia for more.information about the tax implications.from transferring your retirement money.into Australia refer to our you and your.money in Australia booklet on joining.the Australian military services you'll.become a member of the military.superannuation benefits scheme or MSBs.this is known as a hybrid defined.benefit scheme which means that most of.the benefit payable to you is based on.your final average salary and your.length of service in the ADF and the.balances paid to you in the form of a.lump sum the design of the MSBs is.similar to the various UK military.pension schemes it is possible to have.some or all of your UK military service.recognized for your MSBs benefits the.decision is not automatic and is made by.the Australian Department of Defence you.may apply for this viacom super the.organisation that administers the MSBs.after you have received official.documentation detailing your non.Australian military service.further details about the MSBs are.available from its website military.super gov dot au.defense looks after our ADF members and.their families through the military.rehabilitation and compensation scheme.and through death and invalidity.benefits contained in the military.superannuation schemes these will be.your statutory entitlements most ADF.members have found that their statutory.entitlements are adequate to meet their.needs for ADF members private insurance.provides optional extra cover for those.people who depend on you financially.should you die or become disabled some.ADF members have decided that due to.their particular circumstances they.require extra cover a good way of.working out whether you need extra.personal insurance is to have a look at.what you would be entitled to under the.military rehabilitation and compensation.scheme and your military superannuation.scheme and then work out what your.dependents would need each year to.maintain their current lifestyle if.there is a gap you might want to.consider additional private insurance.you should be careful to make sure that.whichever personal insurance policy you.have it is valid in a war zone or in.warlike activity these are called.war exclusions but can be a lot wider.than just war.the Australian government actuary has.advised defense that there are certain.insurance policies that do not contain.war exclusions you can find up-to-date.information about that on the council's.website it will be your responsibility.to consider your specific insurance.needs you should think about consulting.an insurance company or a licensed.financial adviser there are also some.differences with car insurance unlike.the UK Australia has individual state.and territory governments and so for car.insurance.this means they dictate differing.requirements depending on where the.vehicle is based there are two types of.car insurance compulsory third-party.insurance and optional additional.insurance all motor vehicles that travel.on public roads must be registered for.compulsory third party insurance CTP.with the state government Authority each.year it is illegal to drive an.unregistered vehicle on a public road.CTP ensures vehicle owners and drivers.who are legally liable for personal.injury to any other party in the event.of a motor vehicle accident it does not.however provide cover for damage to.vehicles or property or injuries to the.driver where that driver is at fault it.is possible to purchase optional.additional insurance to limit some or.all of the costs of motor vehicle.accidents these insurance products come.in many different shapes and sizes and.it's often a good idea to seek some.assistance when trying to work out the.best deal.if you've transferred interstate any.additional car insurance you have.purchased will have to be transferred to.the new state or territory while on the.topic of driving there are some.important issues about your driver's.license that you need to understand.licenses in Australia are issued by the.state or territory government in which.you live if you move to some states you.must obtain a license from that state.government within three months of moving.there unlike the UK Australian driving.licences are only issued for between.three to five years and must be renewed.you should note that special rules apply.to ADF members their spouses and.dependents so be sure to check the you.and your money in Australia booklet.after watching this video.when you arrive in Australia you'll need.to set up a bank account in the first.six weeks of arrival you need some.identification to do this it's called a.100-point identity check your foreign.passport your ATF identification card.and foreign driver's license will help.with this process for this period of.time beyond this period you will need.additional documents to satisfy the.identity check a big difference between.Australian banking and UK banking is.that the Australian system involves.charges for services that include.writing cheques and withdrawing money.from automatic teller machines ATMs.severe penalties may apply if you over.draw a cheque account this is very.different to the UK system where many.bank transactions are free so you'll.need to monitor your transactions if you.want to avoid unnecessary bank charges.so now that we've mentioned some of the.main points you'll need to be aware of.when transferring to the Australian.Defence Force please take the next step.and carefully read the you and your.money in Australia booklet accompanying.this video you can download this from.the council's website which also covers.topics not mentioned in this video such.as credit rating housing child support.government benefits university education.and wills and estates we hope this has.provided you with some useful.information that will assist your.transfer into the ADF my best wishes for.a rewarding and successful future in.Australia and serving with the idea.you.

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