2021 LEGAL AID NSW Legal Topics for Older People Calendar - NSW Government

 
2021 LEGAL AID NSW Legal Topics for Older People Calendar - NSW Government
2021 LEGAL AID NSW
Legal Topics for Older People Calendar

                                         Artwork: © Luke Penrith
2021 LEGAL AID NSW Legal Topics for Older People Calendar - NSW Government
FOREWORD FROM THE LEGAL AID NSW CEO
BRENDAN THOMAS

            I am delighted to present a new resource dedicated to older people within the community – the 2021
            Legal Aid NSW Legal Topics for Older People calendar.

            The 2021 Legal Aid NSW Legal Topics for Older People calendar is an adaptation of the Legal Topics for Older
            People Diary and I expect that it will be a successful alternative that is practical and easy to use.

            This marks the tenth year that Legal Aid NSW has produced a resource dedicated to older members of the
            community to help protect their legal rights, raise awareness about legal issues and assist in accessing services.

            As an Aboriginal Australian and a long-time advocate for increased access to justice for all, I am committed to
            ensuring that Legal Aid NSW continues to assist Aboriginal communities – particularly older Aboriginal and Torres
            Strait Islanders in regional areas of NSW. As such, this calendar has been created with older Aboriginal and Torres
            Strait Islander people in mind, with a special section dedicated to Aboriginal legal issues. We have also featured a
            commissioned piece of art by Aboriginal artist Luke Penrith, who works and lives on Wiradjuri Country.

            This calendar would not have been possible without the generous support of the Law Society of NSW.
            We are thankful for their continued support of Legal Aid NSW and this publication for older people.

            On behalf of Legal Aid NSW, I wish you a happy and prosperous 2021.

            Brendan Thomas, CEO
            Legal Aid NSW

2021 LEGAL AID NSW
LEGAL TOPICS FOR OLDER PEOPLE CALENDAR
We at Legal Aid NSW have created this resource to highlight some of the legal concerns that people often talk to our staff about.
We have included information about:

For each of the topics, you will find information that is important for you to know as you get older. We have also included information about
the services that can assist you.
At the back of this resource, you will find a Community Directory that includes the details of relevant legal services, including LawAccess NSW.
The LawAccess Hotline is your gateway to legal information in NSW. They can give you legal information or help you book an appointment
with your local Legal Aid NSW office, Aboriginal Legal Service or Community Legal Centre. The Community Directory also lists other national
and NSW based services that can help you. After 2021, you can remove the Community Directory from the calendar and keep it for future use.
We hope you enjoy using this resource as much as we enjoyed creating it for you.
2021 LEGAL AID NSW Legal Topics for Older People Calendar - NSW Government
MAKING A WILL
It is very important for everyone to have a Will. Even if you don’t
own property, you should still have a Will.
A Will is a legal document that sets out how you want your assets,
also called your estate, to be distributed after you die. The executor
is the person you appoint to be responsible for making sure that your
estate is distributed according to your Will.

   Top tips
   • Get professional help to make your Will so you know it is
     legally valid – you can see a solicitor or call the NSW Trustee
     and Guardian on 1300 364 103.
   • Review your Will regularly to make sure it is up to date with
     your current wishes.
   • Store your Will in a safe place and tell someone close to you
     where your Will is. They will need to find it after you die.

 DID YOU KNOW?
 Dying without a Will, also called intestate, does not automatically
 mean that your estate will be divided between your family or friends.
 If you don’t have a Will, your estate will be distributed according to
 intestacy laws and people may miss out or not get what you intended
 for them to have.
                                                                                A hot air balloon drifting past a vineyard in the Hunter Valley

JANUARY 2021                                                                                                   Public holiday            School holiday

     MONDAY                 TUESDAY             WEDNESDAY               THURSDAY                   FRIDAY              SATURDAY               SUNDAY

                                                                                                               1                    2                        3
    COMPASS
    Compass is a national website navigating elder abuse in Australia. Have a look at
    the website to find information and resources www.compass.info
                                                                                             New Year’s Day

                  4                       5                     6                        7                     8                    9                      10

                                                                    Orthodox
                                                                    Christmas Day

                 11                      12                   13                        14                    15                  16                       17

                                                                    Orthodox New Year                                                   World Religion Day

                 18                      19                   20                        21                    22                  23                       24

                                                                                                                                        International
                                                                                                                                        Day of Education

                 25                      26                   27                        28                    29                  30                       31

                      Yabun Festival /
                      Australia Day
2021 LEGAL AID NSW Legal Topics for Older People Calendar - NSW Government
PLANNING AHEAD
It is important that you make plans while you are fit and healthy.
Planning ahead documents will make sure that you have a say in
how you will be looked after if you lose capacity and can’t make
decisions for yourself. Choosing a Power of Attorney or an Enduring
Guardian will also make sure that you are happy with the people
who make decisions for you.

  What do you need?
  • Enduring Power of Attorney – will make decisions
    about your property, financial and legal affairs including
    managing your bank accounts, paying bills, and buying
    or selling property.
  • Enduring Guardian – will make personal and lifestyle
    decisions for you, like deciding where you live, which
    doctor you go to, what medical or dental treatment and
    other services you get.
  • Advance Care Directive – will include your instructions
    for doctors and health care workers about the treatment
    you want or don’t want in the future. Make sure you tell
    your doctor, family and Enduring Guardian about what is
    in your Advance Care Directive, so they know what to do
    if they need to make decisions for you.

  For more information on planning ahead, you can call the
  NSW Trustee and Guardian on 1300 364 103.
                                                                               Aerial view of Broulee Beach, near Bateman’s Bay

FEBRUARY 2021                                                                                                                          School holiday

     MONDAY                TUESDAY             WEDNESDAY               THURSDAY                 FRIDAY             SATURDAY                 SUNDAY

                  1                    2                      3                      4                         5                  6                       7

                  8                     9                     10                     11                       12              13                        14
                                                                   International
                                                                   Day of Women
                                                                   and Girls in
                                                                   Science / World
                                                                   Day of the Sick        Chinese New Year                            Valentines Day

                15                     16                     17                     18                       19              20                        21

                                                                                          Sydney Gay
                                            Ash Wednesday /                               and Lesbian
                      Shrove Tuesday        Lent begins                                   Mardi Gras starts

                22                     23                     24                     25                       26              27                        28

                                                                                                                                      Palm Sunday /
                                                                                                                                      First day of Passover

 DID YOU KNOW?
 You can make changes to your planning documents if you change your mind about the details or the people you have appointed. You need to do this
 when you have capacity. If you are worried about what might happen, get legal advice. Call LawAccess NSW on 1300 888 529.
2021 LEGAL AID NSW Legal Topics for Older People Calendar - NSW Government
BUYING GOODS AND SERVICES
Have you bought something that doesn’t work? Have you paid
someone to fix something and they didn’t do a good job? You have                    Top tips
rights when you buy goods and services.
                                                                                    • Keep your receipts
Goods and services come with a guarantee that they will be of
                                                                                    • Get quotes in writing
acceptable quality. This means goods must be safe, in good working
order and do all the things you would normally expect them to do.                   • Get a second quote so you can compare prices
Services you buy must be provided with acceptable care and skill,                   • Complain to Fair Trading NSW if something goes wrong
give the results that you and the business agreed to and be delivered
in a reasonable time. If they don’t, you may have a right to have                   You can contact NSW Fair Trading for help.
the thing you bought repaired or replaced, get a refund, cancel the
                                                                                    Call 13 32 20 or visit www.fairtrading.nsw.gov.au
contract or get compensation.

Panoramic shot of the Bega Valley region

MARCH 2021
      MONDAY               TUESDAY            WEDNESDAY                THURSDAY                  FRIDAY                SATURDAY                 SUNDAY

                       1               2                      3                       4                       5                       6                       7

                                                                                                                                          Sydney Gay
                                                                                                                                          and Lesbian
 First day of Autumn                                                                                                                      Mardi Gras ends

                       8               9                      10                     11                     12                      13                      14

International
Women’s Day

                  15                  16                      17                     18                     19                      20                      21

                                                                                                                                          Harmony Day /
                                                                                                                                          International Day for
                                                                   National Close                                                         the Elimination of
                                           St Patrick’s Day        the Gap Day                                                            Racial Discrimination

                  22                  23                      24                     25                     26                      27                      28

                                                                                                                  Earth Hour

                  29                  30                      31
                                                                                Green Tip
                                                                                Plant a simple backyard garden. It doesn’t have to be huge or
                                                                                complicated and it’s a good way to get Vitamin D.
Lent ends
2021 LEGAL AID NSW Legal Topics for Older People Calendar - NSW Government
AVOIDING SCAMS
  If it sounds too good to be true, it probably is.                                                    What can you do?
  Scams are designed to trick you to give away your personal                                           • Hang up if you get a call asking for money or your bank details
  details or your money. They can be done by phone, mail, in
  person and online. The internet has given new life to old scams                                      • Don’t be pressured into giving away any personal information
  and created new ones.                                                                                • Don’t click on links in unexpected emails or messages
                                                                                                       • Use strong passwords
If you think you have been scammed, get help, you are not alone.                                       • Install anti-virus software
Contact IDCARE on 1800 595 160. IDCARE is a free government-                                           • Limit online personal information
funded service that help support you throughout the process.
Some common scams are:
• Investment scams: They offer a “not to be missed” financial
  opportunity offering “low risk” with “high returns”.
• Romance scams: They play on your emotions to get you to give
  money, gifts or personal details.
• Remote access scams: They try to get access to your computer
  and personal details and tell you to buy new software.
• ATO phone tax scam: Scammers say they’re from the ATO and
  accuse you of tax fraud and threaten with arrest if you don’t
  transfer money to them.

                                                                                                 Unusual rock piles on the road to Dubbo

APRIL 2021                                                                                                                       Public holiday                School holiday

     MONDAY                      TUESDAY                  WEDNESDAY                     THURSDAY                    FRIDAY                 SATURDAY                 SUNDAY

  Green Tip                                                                                               1                     2                         3                         4
 Compost kitchen scraps for use in your garden — turning waste into
 fertilizer. Even better, think about reducing your food waste when you are                                                                                   Easter Sunday /
 on the go by collecting your lunch scraps, like apple cores or bread crusts,                                                                                 Last day of
                                                                                                                                                              Passover / Daylight
  and taking it home to compost.
                                                                                    April Fool’s Day          Good Friday              Easter Saturday        Saving Time ends

                      5                          6                              7                         8                     9                        10                     11

Easter Monday

                    12                         13                          14                           15                    16                         17                     18

Ramadan begins

                    19                         20                          21                           22                    23                         24                     25

                                                                                                                                                              Anzac Day

                    26                         27                          28                           29                    30
2021 LEGAL AID NSW Legal Topics for Older People Calendar - NSW Government
FINANCIAL HARDSHIP
If you can’t pay your bills, you may be experiencing financial
hardship. We know that these sorts of problems can get worse                             These are some other places you can go to for help:
over time if you don’t do anything about them, but there are a
lot of places you can turn to for help.                                                  • If you are on Centrelink or a low income you may be
                                                                                           able to get a no interest loan from the No Interest Loans
                                                                                           Scheme (NILS) to pay for essential goods and services – see
  Centrelink has 2 types of emergency payments for people that are
                                                                                           Community Directory for more information.
  eligible for income support.
                                                                                         • Ask your bank and utility provider for a hardship
  Crisis payments are available if you experience:
                                                                                           arrangement to pay off your bills and avoid taking out high
  • severe financial hardship                                                              cost loans or ‘payday loans.’
  • an extreme life change (you leave a violent relationship,                            • You can get free help through Financial Counselling
    are a refugee or are getting out of jail)
                                                                                           Australia. Call 1800 007 007 to find someone near you.
  • a natural disaster
  Centrelink can also give you an advance payment. This is your
  usual Centrelink payment, but paid earlier because of your financial
  hardship. It is not an extra payment.

A pier in the Coffs Harbour Marina

MAY 2021
     MONDAY                   TUESDAY             WEDNESDAY                 THURSDAY                  FRIDAY             SATURDAY              SUNDAY

                 31                                                                                                                  1                      2
                                TOP TIP
                                You might be able to get savings and rebates from the NSW Government.
                                Call Service NSW on 13 77 88 to book a cost of living assessment.
                                                                                                                                         Orthodox Easter

                  3                        4                        5                      6                         7               8                      9

                                               African World
                                               Heritage Day                                                                              Mother’s Day

                 10                       11                    12                        13                        14              15                     16

                                               International
                         Ramadan ends          Nurses Day

                 17                       18                    19                        20                        21              22                     23

                                                                                               World Day for
                                                                                               Cultural Diversity
                                                                                               for Dialogue and
                                                                                               Development

                 24                       25                    26                        27                        28              29                     30

                                                                        National
                         African                                        Reconciliation
                         Liberation Day        National Sorry Day       Week begins
2021 LEGAL AID NSW Legal Topics for Older People Calendar - NSW Government
COMPLAINING TO THE OMBUDSMAN
An ombudsman is an independent person who investigates and                    NSW Ombudsman
resolves complaints between parties in a fair and impartial way. If you       • If your social housing provider has not responded to a
have an issue with an organisation that you can’t resolve with them             maintenance request
directly, you can go to the industry ombudsman to resolve the dispute.
These are some examples of issues that you can get help with.                 • If the local council has made a decision that affects you without
                                                                                giving you notice
Telecommunications Industry Ombudsman
                                                                              • Being treated unfairly or unreasonably by a NSW State
• Paying for services you didn’t know about or agree to                         Government agency
• Direct debit taken without notice or permission
• If you are ignored or taken advantage of because of your age,
  cultural background, disability or remote location
Fair Work Ombudsman
• Not paid the right amount
• Not getting the right amount of leave or entitlements
• Being threatened or discriminated against by your employer
Energy and Water Ombudsman NSW
• Receiving a higher than normal bill or estimated bill
• Not receiving your rebate or concession
• Being denied an extension or payment plan
• Being pressured to sign or agree to a contract

  If you are unsure whether you should go to the ombudsman,
  get some legal advice. Call LawAccess NSW on 1300 888 529.
                                                                              Old Trestle Rail Bridge near Narrandera

JUNE 2021                                                                                                    Public holiday               School holiday

     MONDAY                  TUESDAY              WEDNESDAY           THURSDAY                  FRIDAY                SATURDAY                 SUNDAY

                                              1               2                     3                       4                        5                      6

                                                                  National
                                                                  Reconciliation
                                                                  Week ends /                                    World
                        First Day of Winter                       Mabo Day                                       Environment Day

                    7                         8               9                    10                      11                      12                      13

                   14                     15              16                       17                      18                      19                      20

                                                                                                                                         World Refugee
                        World Elder Abuse                                                                                                Day / Refugee
Queen’s Birthday        Awareness Day                                                                                                    Week starts

                   21                     22              23                       24                      25                      26                      27

                                                                                                                 Refugee Week ends

                   28                     29              30
                                                                               Green Tip
                                                                               Collect rainwater and use it to water your houseplants and garden
2021 LEGAL AID NSW Legal Topics for Older People Calendar - NSW Government
LEGAL ISSUES FOR OLDER ABORIGINAL
AND TORRES STRAIT ISLANDERS
Civil Law Service for Aboriginal Communities (CLSAC)
Legal Aid NSW has lots of specialist legal services operating across NSW. These teams focus on one client group or legal issue to provide
the highest quality specialist legal advice and support.
The Civil Law Service for Aboriginal Communities (CLSAC) works with Aboriginal and Torres Strait Islander clients with legal issues that
impact on everyday issues such as debts, unpaid fines, discrimination, tenancy issues, Centrelink disputes and more.

   Reparations for Stolen Generations survivors                           Payments for sexual abuse survivors
   The NSW Stolen Generations Reparation Scheme allows                    You can apply to the National Redress Scheme for counselling
   for Aboriginal and Torres Strait Islander people to receive a          payments (between $10,000 and $150,000) and an apology
   recognition payment from the Government if, before 2 June              if you are eligible. You can get this compensation in addition
   1969, you:                                                             to any Stolen Generations payment you get.
   • were removed by, or                                                  For more information on how to apply, call:
   • came under the care of the Aborigines Protection or                  • The National Redress Scheme on 1800 737 377
     Welfare Boards.                                                      • Knowmore on 1800 605 762
   The Reparation Scheme finishes on 30 June 2022. It is
   important to make an application before this date.
   Contact CLSAC on 1800 793 017 to get help or advice about
   making an application.

  Funerals                                                                Money Issues
  There are special services available to Aboriginal and Torres Strait    Aboriginal and Torres Strait Islander people can get free help
  Islander people to provide advice or assistance with funerals.          at tax time from trained volunteers at the Australian Taxation
  The NSW Aboriginal Land Council may be able to help                     Office (ATO), if you are on a low income. For help, call the
  Aboriginal people in NSW with funeral costs. To find out if you         ATO Indigenous Helpline on 13 10 30.
  are eligible and obtain a claim form, call 1800 647 487 or visit        The Australian Securities and Investments Commission has an
  www.alc.org.au.                                                         Indigenous Outreach Program that can give Aboriginal and
  Legal Aid NSW has a service for Aboriginal people – the                 Torres Strait Islander people information and take complaints
  Civil Law Service for Aboriginal people – that can help                 about financial service providers, including funeral insurers.
  with questions about funeral insurance and problems with                Call 1300 365 957.
  paying for funerals. To get advice, call 1800 793 017 or visit
  www.legalaid.nsw.gov.au.
2021 LEGAL AID NSW Legal Topics for Older People Calendar - NSW Government
LEGAL ISSUES FOR OLDER ABORIGINAL
AND TORRES STRAIT ISLANDERS
Community events                                                                    Red Ochre Musical Festival

There are lots of exciting Aboriginal and Torres Strait Islander                    Celebrating Wiradjuri culture, this festival takes place annually at Victoria Park
                                                                                    in Dubbo.
cultural events happening across NSW. Here are just a few events
that you can get involved in.
                                                                                    NAIDOC Week

Koori Knockout                                                                      NAIDOC Week celebrates the history, culture and achievements of Aboriginal
                                                                                    and Torres Strait Islander peoples. NAIDOC Week is celebrated by all Australians
The South Coast Black Cockatoos are dedicated to hosting the 50th NSW               and is a great opportunity to learn more about Aboriginal and Torres Strait
Aboriginal Rugby League Knockout Carnival at Bombaderry Sporting Complex            Islander communities.
on October long weekend, 2021 after the event was cancelled in 2020 due to
COVID-19.

Aboriginal Elders Olympics
This annual cultural event involves Aboriginal and Torres Strait Islander Elders
(50 years and over) coming together to participate in friendly competitive sport
and promote healthy lifestyles and wellbeing.

Boomerang Festival 2–5 April 2021
Held at Byron Bay, this festival features dance, theatre, music, comedy, film and
visual arts, as well as cultural knowledge exchanges and talks, introducing the
First Nations Film Festival, panels and forums.                                     The Three Sisters; Meehni, Wimlah and Gunnedoo; towering above the Jamison Valley

Gai-mariagal Festival                                                                DID YOU KNOW?
Held during NAIDOC week, this festival aims to raise awareness of Aboriginal         Transport for NSW has a Funeral Transport ‘Sorry Business’ project that can help
and Torres Strait Islander people living in the North Sydney region. It includes     with transport for Aboriginal people in NSW to attend funerals of friends or
art exhibitions, films, environment walks, performances, workshops and talks in      community members if you can’t get there any other way. Call 1300 361 787.
venues across Sydney.

JULY 2021                                                                                                                                          School holiday

      MONDAY                   TUESDAY               WEDNESDAY                THURSDAY                 FRIDAY                 SATURDAY                  SUNDAY

                                                                                           1                        2                        3                           4

                                                                                                                                                  NAIDOC Week starts

                     5                       6                       7                     8                        9                       10                       11

                                                                                                                        NAIDOC Week ends

                   12                      13                       14                   15                       16                        17                       18

                   19                      20                       21                   22                       23                        24                       25

                   26                      27                       28                   29                       30                        31
AGE DISCRIMINATION
It is against the law for someone to be treated less favourably than
others because of their age in most areas of public life. This includes
employment, accommodation and when providing goods and services.
Discrimination can he hard to spot, but we know it happens to older
people. This case study is one example of how discrimination can happen.

  CASE STUDY
  Ken is 64 and works in retail. Ken was told the business was being
  downsized due to COVID. Ken was told he wasn’t needed anymore. He
  had worked there for nearly 10 years. Ken saw that none of the younger
  staff, who had worked there for less time, had been let go. Off the record
  his boss told him that the business was trying to attract a younger market
  and that he just didn’t “fit” anymore. When Ken became upset, his
  manager said, “you’re going to retire soon anyway”. Soon after Ken left,
  he saw that the business was actually advertising for new staff.

   What are Ken’s options?
   Ken can make a complaint to:
   • Australian Human Rights Commission
   • Anti-Discrimination Board of NSW
   • Fair Work Commission
   Time limits apply – get legal advice if you think discrimination
   has occurred.
                                                                                     Jacaranda trees over rural street in Victoria Park, Dubbo

AUGUST 2021                                                                                                                                      Public holiday

     MONDAY                   TUESDAY                WEDNESDAY                THURSDAY                 FRIDAY               SATURDAY                 SUNDAY

                  30                      31              Green Tip                                                                                                1
                                                          Store-bought cleaning products can be expensive and damaging on the
                                                          environment. Make your own environmentally friendly cleaning products using
                                                          ingredients like baking soda, soap flakes, lemon, corn-starch and vinegar.
Legacy Week begins

                     2                        3                       4                     5                      6                     7                         8
                                                  National
                                                  Aboriginal
                                                  and Torres
                                                  Strait Islander
Bank Holiday                                      Children’s Day                                                                             Dying to Know Day

                     9                    10                        11                     12                     13                    14                        15

                         Muharram
                         (Islamic New Year)

                  16                      17                        18                     19                     20                    21                        22

                  23                      24                        25                     26                     27                    28                        29

International Day
of the World’s
Indigenous People
CENTRELINK
If you are receiving a government payment through Centrelink, you
need to make sure you tell them when your circumstances changes.

  You should contact Centrelink within 14 days if:
  • your personal circumstances change
  • you change your address
  • your or your partner’s income or assets change
  • you loan or gift money or assets
  • you go back to work
  • you don’t have to lodge a tax return
  • your care arrangements change
  • you are leaving Australia

If you don’t tell Centrelink about changes in your life, they may
pay you too much and you will have to pay the money back. If you
deliberately don’t tell Centrelink about these changes, you could be
charged with fraud.

                                                                          Aerial view of Lake Jindabyne

SEPTEMBER 2021                                                                                                                        School holiday

     MONDAY               TUESDAY             WEDNESDAY              THURSDAY              FRIDAY                SATURDAY                  SUNDAY

                                                                 1              2                       3                       4                       5

                                           First day of Spring                                                                      Father’s Day

                   6                   7                         8               9                    10                       11                      12

Rosh Hashanah
starts (Jewish                             International
New Year) /                                Literacy Day /
Legacy Week ends                           Rosh Hashanah ends                        R U Ok? Day

                13                  14                       15                 16                    17                       18                      19

                20                  21                       22                 23                    24                       25                      26

                27                  28                       29                 30
                                                                                       TOP TIP
                                                                                      If you have any doubts about reporting to Centrelink or are wondering
                                                                                      if something you are planning to do may affect your pension, you can
                                                                                       talk to a Financial Information Service (FIS) Officer at Centrelink.
HELPING OUT YOUR FAMILY
We know that children or family members often ask older members
of the family for financial support. This usually happens with a                 Get legal advice before you:
promise or expectation that the family member will care for them in
                                                                                 • Give a family member money
the future. If this is happening in your family, we have some things
for you to think about.                                                          • Allow your home to be used as security for a loan
                                                                                 • Transfer your home to a family member
                                                                                 • Pay for an extension or granny flat on your child’s property
  It’s really important to get independent legal advice to
  protect yourself.
  ‘Independent’ means that you do not use the same
  financial advisor or lawyer as your child.

  What to look out for
  • Your pension or tax can be affected
  • You may not be able to pay for aged care in the future
  • Your child may evict you, not pay back the loan, sell the
    house, divorce or die
  • Your child may not provide the care you need
  • If you don’t have a written agreement, it can be hard to get
    your money or home back

                                                                               Historical courthouse in Wagga Wagga

OCTOBER 2021                                                                                                  Public holiday           School holiday

     MONDAY                TUESDAY               WEDNESDAY               THURSDAY              FRIDAY                 SATURDAY              SUNDAY

                                                                                                              1                   2                      3
         Green Tip
         Minimise packaging by picking loose fruit and vegetables and taking
         your own reusable bags and containers to the shops.
                                                                                         International Day                            Daylight Saving
                                                                                         of Older Persons                             Time starts

                  4                      5                       6                   7                        8                   9                     10

                                                                                                                                      World Mental
Labour Day                                                                                                                            Health Day

                 11                     12                     13                   14                       15                  16                     17

                 18                     19                     20                   21                       22                  23                     24

                 25                     26                     27                   28                       29                  30                     31

                                                                                                                                      National
                                                                                                                                      Grandparents Day
YOUR HOME
Renting
Where to find information about renting:
1. The Residential Tenancies Agreement or lease
2. The NSW Fair Trading website (www.fairtrading.nsw.gov.au) has
    information on starting a tenancy, your rights and obligations
    during a tenancy and ending a tenancy. It also has information for
    residents of retirement villages and manufactured home parks.
3. The NSW FACS website has information on social housing:
    www.facs.nsw.gov.au
4. Tenants NSW and NSW Fair Trading can also offer you advice and
    advocacy services.
If you have a dispute, you can lodge a complaint in the NSW Civil
and Administrative Tribunal (NCAT). It’s a good idea to get some
legal advice before you do so.
Reverse Mortgages
A reverse mortgage allows you to use some of the equity in your
home by borrowing money from the bank. It is usually only offered if
you own your home outright.
The reverse mortgage is paid back when your house is sold – when
you downsize, move into residential aged care or die.
There are risks involved and you should get independent financial
and legal advice first.                                                        Japanese Gardens in Cowra

NOVEMBER 2021
     MONDAY                 TUESDAY             WEDNESDAY             THURSDAY                  FRIDAY               SATURDAY                 SUNDAY

                  1                        2                 3                         4                    5                       6                   7

                                                                 Diwali (Hindu
                                                                 festival of lights)
All Saints’ Day        All Souls’ Day                            starts

                   8                        9              10                          11                  12                     13                   14

Diwali ends                                                      Remembrance Day

                  15                       16              17                          18                  19                     20                   21

                       International Day
                       of Tolerance

                  22                       23              24                          25                  26                     27                   28

                                                                 International Day
                                                                 for the Elimination
                                                                 of Violence
                                                                 Against Women

                  29                       30
                                                    Green Tip
                                                    Replacing cotton wool in the bathroom is a great way to reduce waste and minimise water
First day of                                        consumption. For instance, start removing make-up by using a terry-cotton flannel with cleanser.
Hanukkah
ON THE ROAD
We know that diving can be an important way to stay mobile and
independent. Here are some tips for staying safe on the road.

  Licences for older drivers
  The type of licence you can get will depend on your age.
  75yrs + You will need to have a yearly medical examination
  85yrs + You can get a modified licence (driving under certain
  conditions, like only in your local area) or an unrestricted
  licence (pass a practical driving assessment every 2 years).
  Car Accidents For information on what to do if you have had
  a car accident, you can refer to the LawAccess NSW website or
  call on 1300 888 529
  Driving offences and fines The LawAccess NSW
  website has useful and easy to use ‘Guided Pathways’ to help
  you, just look under ‘Motor Vehicle Accidents’.

 DID YOU KNOW?
 If you decide to stop driving, you can hand in your licence to a
 Service NSW centre and get a NSW Photo Card for free, if you get it
 at the same time.
                                                                            Sunrise view from Caves Beach in Lake Macquarie

DECEMBER 2021                                                                                               Public holiday            School holiday

     MONDAY               TUESDAY             WEDNESDAY                THURSDAY              FRIDAY                 SATURDAY              SUNDAY

                                                                 1                2                         3                    4                      5

                                                                                       International Day
                                           First day of Summer                         of Persons with
                                           / World AIDS Day                            Disabilities

                 6                     7                         8                 9                       10                   11                     12

Last day of
Hanukkah                                                                               Human Rights Day

                13                    14                    15                    16                       17                   18                     19

                                                                                                                International
                                                                                                                Migrants Day

                20                    21                    22                    23                       24                   25                     26

                                           December Solstice                           Christmas Eve            Christmas Day        Boxing Day

                27                    28                    29                    30                       31

                                                                                       New Years Eve
AGED CARE
                                                                                  Residential Aged Care
  Support to stay at home                                                         If it is not possible to stay at home, you can stay in aged care homes for
  To find out if you are eligible for support to stay at home call                short periods of respite or for permanent care.
  1800 200 422. You can get help with:
  • housework and meals
  • personal care like bathing and dressing
  • staying physically active
  • social support and activities
  • transport
  • nursing care
  • physiotherapy
  • home maintenance and modification
  • equipment
  • community visitor

Commonwealth Home Support Program (CHSP)
To get support from this program you need to be assessed by the
Regional Assessment Service.
Home Care Packages
If you have more complex needs, a Home Care Package can give you
co-ordinated services tailored to your needs.                                     A rural road near Lithgow

JANUARY 2022                                                                                                      Public holiday            School holiday

     MONDAY               TUESDAY               WEDNESDAY                 THURSDAY                  FRIDAY                SATURDAY              SUNDAY

                   31                                                                                                                   1                     2
                         Green Tip
                         Buy an inexpensive reusable water bottle, and stop buying plastic disposable bottles.

                                                                                                                      New Year’s Day

                     3                   4                       5                       6                        7                     8                     9

                                                                                             Orthodox
                                                                                             Christmas Day

                   10                  11                       12                     13                        14                    15                    16

                                                                                             Orthodox New Year

                   17                  18                       19                     20                        21                    22                    23

World Religion Day

                   24                  25                       26                     27                        28                    29                    30

International                                Yabun Festival /
Day of Education                             Australia Day
A-Z COMMUNITY DIRECTORY
Available services                How they can help                                                                                                For more information

Aboriginal Affairs                Can provide information and assistance with lodging a claim under the NSW Stolen Generations                     1800 019 998
                                  Reparation Scheme

Aboriginal Legal Service          Provides information, referrals, legal advice and court representation to Aboriginal and Torres Strait           1800 765 767 (criminal law)
                                  Islander people in criminal and family law and children’s care and protection matters                            1800 733 233 (family law
                                                                                                                                                   or care and protection)

Ageing and Disability             Provide information, practical support and referrals for abused or disabled older people across New              1800 628 221
Abuse Helpline                    South Wales.

Anti-Discrimination Board         Resolve enquiries and complaints, raise awareness about discrimination and its impacts, and take action          02 9268 5544 or
of NSW                            to influence change.                                                                                             1800 670 812

Arts Law’s Artists in the         Delivers targeted legal services to Aboriginal and Torres Strait Islander artists nationally, including          1800 221 457
Black program                     information, advice or assistance regarding the control of where an artist’s art, copyright, money and
                                  other assets go when they pass away.

Australian Competition and        Offers advice to consumers about how to resolve problems or make a complaint about purchased goods               1300 302 502
Consumer Commission (ACCC)        or services. This includes information regarding your consumer rights to a repair, replacement or refund.

Australian Financial Complaints   Offer free, fair and flexible solutions for resolving complaints about financial products or services            1800 931 678
Authority (AFCA)                  including errors in everyday banking transactions, difficulty repaying loans or credit cards, denial of an
                                  insurance claim or inappropriate investment advice.

Australian Funeral Directors      Provides information on preparing funeral arrangements and a list of funeral directors by area.                  1300 888 188
Association

Australian Human Rights           Manages enquiries and complaints regarding age discrimination.                                                   1300 369 711
Commission

Australian Taxation Office        Provide information, advice and assistance with complaints relating to superannuation contributions.             13 10 20

Australian Unity                  Provide specialised and culturally appropriate home care services to Aboriginal people with a disability         1300 160 170
                                  and older Aboriginal people (45 or over) to help them stay independent in their own home.

Available services                How they can help                                                                                                For more information

Carer Gateway                     Provide practical information and resources for carers, including a service finder that assists carers           1800 422 737
                                  connect to local support services.

Carers NSW                        Provide information, support and counselling for carers. It has an Aboriginal and Torres Strait Islander Carer   1800 242 636
                                  Program, and information to help carers better understand the National Disability Insurance Scheme (NDIS).

Council on the Ageing NSW         Prepare Wills, Enduring Power of Attorney and Guardianship documents for people on the age pension.              1800 449 102

Coroners Court                    Provide information to help families and friends of someone whose death was unexpected, sudden or                (02) 8584 7777
                                  suspicious and is being investigated by the Coroner.

Department of Communities         Provide information and resources for carers.                                                                    (02) 9377 6000
and Justice (DCJ)

Department of Veterans Affairs    Offer pensions, education schemes, mental health support services and payments to support eligible               1800 838 372
                                  family members of veterans. They also provide information about support services available to veterans
                                  and eligible family members that are in crisis.

Elder Abuse Service               Is a specialist service at the Legal Aid NSW Gosford office that focuses on older people at risk of or           (02) 4323 5611
                                  experiencing elder abuse. To be eligible for this service, clients must live in the central coast, be 65
                                  years or older and be at risk of or experiencing elder abuse.

Energy Accounts Payment           Help people who have trouble paying their electricity or gas bill because of a short-time financial crisis       13 77 88
Assistance Scheme (EAPA)          or emergency, such as unexpected medical bills.

Energy and Water Ombudsman        Provide information and assistance to electricity and water customers in NSW. Also investigate                   1800 246 545
(EWON)                            complaints from all electricity and gas customers, and some water customers to reach a fair resolution.

Fair Work Commission              Assist with unfair dismissal, anti-bullying, general protections and unlawful termination claims, as well        1300 799 675
                                  as promoting cooperative and productive workplace relations and preventing disputes.

Family Violence Prevention        Provides specialist, culturally safe legal services and support to Aboriginal and Torres Strait Islander         Forbes – 1800 700 218
Legal Services                    victims-survivors of family violence and sexual assault and their partners and carers in rural and remote        Kempsey – (02) 6562 5856
                                  places in NSW.                                                                                                   or (02) 6562 4856
                                                                                                                                                   Bourke, Walgett and Moree
                                                                                                                                                   – (02) 6751 1400 or
                                                                                                                                                   (02) 6752 1188
Available services                  How they can help                                                                                            For more information

Financial Counselling Australia     Provide information and advice to people who are in debt or are not able to meet their ongoing expenses.     0402 923 750

Financial Rights Legal Centre       Specialise in the areas of consumer credit, banking, debt recovery and insurance. Also offers advice and     1800 007 007
                                    advocacy for people in financial distress.

Health Care Complaints              Protect public health and safety by resolving, investigating and prosecuting complaints about health care.   1800 043 159
Commission

LawAccess NSW                       Provide free legal information and assist with referral to the closest Legal Aid NSW office or other local   1300 888 529
                                    Community Legal Centre.

Law Society of NSW                  Provide referral details of private lawyers who specialise in a particular area of law, such as workers      (02) 9926 0300
                                    compensation or will and estates, either through the Solicitor Referral Service or the Pro Bono Scheme.

Local Councils                      May provide community care services and other activities that help older people stay in their own            To find your local council,
                                    homes and stay active within the community.                                                                  call 02 4428 4100

My Aged Care                        Provide information about available aged care services, assessment and access to services and what to        1800 200 422
                                    do if you have concerns about aged care issues. Also, has information about government-funded aged
                                    care services for Aboriginal and Torres Strait Islanders aged 50 and older.

National Dementia Helpline          Provide advice and information, as well as referral to counselling, support and other services.              1800 100 500

National Redress Scheme             Provide compensation and support to some people who were sexually assaulted as children in                   1800 737 377
                                    orphanages, Children’s Homes, schools, churches and other religious organisations, sports clubs,
                                    hospitals, foster care and other institutions.

No Interest Loan Scheme (NILS)      Provide low interest loans to Centrelink recipients and low-income earners who need to pay for essential     13 64 57
                                    goods and services – such as fridges, washing machines or car repairs.

NSW Civil and Administrative        Provide specialist tribunal services to help you resolve an issue or dispute fairly and according to the     1300 006 228
Tribunal (NCAT)                     law. This includes disputes about tenancy agreements, general consumer complaints, guardianship
                                    orders or enduring guardianship.

NSW Fair Trading                    Provide information and hear complaints regarding unresolved problems with businesses or trade,              13 32 20
                                    housing and property and the purchase of goods and services.

Available services                  How they can help                                                                                            For more information

NSW Industrial Relations            Provide information about conditions of employment including superannuation entitlements, pay, leave,        13 16 28
                                    workplace flexibility and starting or leaving work early.

NSW Trustee and Guardian            Offer a range of trustee services including will preparation, Will Safe Storage, Deceased Estate             1300 364 103
                                    Administration, Powers of Attorney, Enduring Guardianship appointments and Trust Administration.
                                    They can also be appointed as a person’s financial manager or guardian by a court or tribunal.

Older Women’s Network NSW           Promotes the rights, dignity and wellbeing of older women.                                                   (02) 9519 8044

Public Guardian NSW                 Promotes the rights and interests of people with disabilities in New South Wales through the practice        (02) 8688 2650
                                    of guardianship, advocacy and education.

Relationships Australia NSW         Dedicated to supporting, repairing and fostering positive family relationships, through providing            1300 364 277
                                    counselling and training services.

Retirement Village Residents        Represents retirement village residents’ interest in NSW.                                                    1300 787 213
Association

Revenue NSW                         Has information for older drivers about fines, driving and fines management including payment plans          13 22 13
                                    and the Work and Development Order Scheme.

Services Australia (‘Centrelink’)   Have a special service called the ‘Grandparent advisors’ who can help grandparents who have full-time        1800 245 965
                                    caring responsibilities for their grandchildren access payments and services.

Seniors Rights Service              Provide free and confidential legal advice, advocacy and education about elder abuse.                        1800 424 079

Telecommunications Industry         Provide free dispute resolution services for small business and residential customers who have a             1800 062 058
Ombudsman                           complaint about their telephone or internet service.

Welfare Rights Centre               Provide free legal advice and assistance on pension issues.                                                  1800 226 028

Wirringa Baiya Aboriginal           Provide free legal assistance for Aboriginal in the areas of family violence, sexual assault, victims        1800 686 587
Women's Legal Centre NSW            compensation, care and protection and family law.

Women's Domestic Violence           Provide help with Apprehended Domestic Violence Orders (ADVOs), accommodation, financial                     1800 938 227
Court Advocacy Services             assistance, counselling and legal issues
You can order other Legal Aid NSW
resources from our website
www.legalaid.nsw.gov.au/publications/order-a-publication

                 Elder Abuse                               Elder Abuse           Adult Children
                 Service Brochure                          Service Poster        living at home
                 Every older person                                              This brochure
                 has rights. This                                                explains what you
                 resource has                                                    can do if you are
                 information about                                               an older person
                 the Legal Aid NSW                                               who is sharing
                 Elder Abuse Service                                             your home with
                 for older people on                                             an adult child,
                 the Central Coast.                                              and you want
                                                                                 them to leave.

                 Who gets my                               Moving in with        Getting help
                 stuff when I die?                         the family            after a disaster
                 Why wills are                             This brochure         This brochure
                 important for                             explains what         explains what
                 Aboriginal and                            you should think      to do after a
                 Torres Strait                             about to protect      bushfire, flood or
                 Islander people.                          your interests        storm including
                                                           before you enter      how to look after
                                                           into a ‘granny flat   your wellbeing,
                                                           arrangement’.         your finances and
                                                                                 your home.
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