Accessing an approved money management course - WA

Scenario 1

Natalie is on the Child Protection Scheme of Income Management and lives in Perth. She has previously declined to take up the offer of a referral to a financial counselling service. During a visit with Centrelink Natalie tells them she would like to take part in the Matched Savings Payment initiative. Centrelink refers Natalie to your financial counselling service, which is the closest operating service delivering an approved money management course to Natalie's home. Natalie rings your service and you tell her that you have a course due to start in five days. You explain to Natalie that the course has three components, the registration, course reading materials and the face-to-face sessions. Natalie says she wants to register. You advise Natalie that you will send details of her course registration date, reading materials and face-to-face session dates and times. You send these details on the day that Natalie registers for your course.

During the initial conversation you ask Natalie whether she needs help to start her savings pattern before the course begins. Natalie says that Centrelink gave her some information on this, so she is confident she can start saving by herself. Natalie completes her course and saves $500 by the end of the 13 week qualifying savings period. She provides evidence of her savings pattern and her course certificate of completion to Centrelink who then determine that she meets all requirements for the Matched Savings Payment and her savings are matched. You offer to continue to help Natalie with her budgeting and savings plans, but Natalie tells you that she does not feel the need to continue to use your services at this stage, but says she is glad that she knows that you are there to help if she needs it.

Scenario 2

Sam has recently moved onto the Child Protection Scheme of Income Management and lives in Kununurra. During Sam's interview with Centrelink he tells them that he is not interested in the Matched Savings Payment initiative. After talking to other family members who are already taking part, Sam decides he will give it a go. Sam rings your service, because it is his closest money management service. You advise Sam that he can access your outreach service, but your next course is not available for five weeks. You explain to Sam that the course has three components, the registration, course reading materials and the face-to-face sessions.

Sam advises that he wants to register. You tell Sam that you will send details of his course registration date, reading materials and face-to-face session dates and times. Sam says that he is unsure how to start his savings pattern. You make arrangements to meet with Sam on your next outreach visit in three weeks time to help him get started.

Sam completes the course in four months but has only saved $80 dollars. Sam decides to keep on saving. After another two months Sam has saved $300. Sam provides evidence of his savings pattern and course certificate to Centrelink who determine that he meets all requirements for the Matched Savings Payment and his savings are matched. You offer to continue to work with Sam as he is in the process of applying for a no interest loan to buy a new television. Sam is confident that he can budget to cover the loan repayments.

Scenario 3

Jean is on the Child Protection Scheme of Income Management and lives in Balgo. Jean decides that she wants to take part in the Matched Savings Payment initiative and is referred to your service, as it is the nearest to her home. You deliver services to Jean's community through an outreach program. Jean calls and you tell her that your next available course is not due to start for another 10 weeks. You explain to Jean that the course has three components, the registration, course reading materials and the face-to-face sessions. Jean advises that she wants to register. You advise Jean that you will send details of her course registration date, reading materials and face-to-face session dates and times, which you post to her on the day she registers.

You offer to help Jean to start her savings pattern while she is waiting for the face-to-face session to start, but Jean says she has already started saving because she had heard about the Matched Savings initiative from her sister who has already completed an approved money management course. You tell Jean that her savings period will start on the day she registered for the course, so any savings she already has can't be counted when Centrelink work out how much of her savings they can match. On the day before Jean's face-to-face session you learn that there was a death in her community. You are forced to cancel the sessions. As the next time you can visit Jean's community to deliver the sessions will be in four weeks time, you offer for Jean to attend a course in the next closest location. Jean says that the alternative location does not suit her and that she will wait for four weeks for her face-to-face session. You tell Jean that she will not be able to have her savings amount matched at the end of the 13 week minimum period as she will not yet have completed her approved money management course. Jean says that she is happy with this as she does not expect to reach her savings goal amount of $500 for another three months. Jean continues to use your service during regular outreach visits.

Scenario 4

Dana is on the Child Protection Scheme of Income Management and lives in Kununurra. During a recent visit to Centrelink, Dana tells Centrelink she would like to take part in the Matched Savings Payment initiative. Centrelink provides Dana with information about the initiative and refers Dana to your service, which is her closest operating money management service. Dana visits your service and you tell her that the next available approved money management course starts in two weeks. You explain to Dana that the course has three components, the registration, course reading materials and the face-to-face sessions. Dana advises that she wants to register. You send Dana a package with details of her course registration date, reading materials and her face-to-face session dates and times. You also offer to help Dana to start her savings pattern, and Dana says that she needs help to set up an Internet banking account for her savings.

Dana does not turn up to her face-to-face sessions because she has moved to Perth. After five months in Perth, Dana visits another service delivering an approved money management course and registers and completes their approved money management course over a five week period. As Dana has already saved $500 she goes straight to Centrelink with evidence of her savings pattern and course certificate of completion so that she can apply to get her Matched Savings Payment.

Centrelink determines that Dana has not met all the requirements to receive the payment as she has not completed her minimum 13 week qualifying savings period. Dana thought that she would be able to use her registration date with the service in Kununurra as her commencement date, however as she did not complete all components of the course with that service, her registration date with the Perth service is her actual commencement date for her 13 week qualifying savings period. Dana had to save for a further eight weeks to meet all requirements and then re-apply to Centrelink for her Matched Savings Payment.

Disclaimer

These scenarios are fictional. Any resemblance to actual persons or organisations is coincidental.

The information contained in this publication is intended only as a guide. The information is accurate as at August 2010. If you use this publication after, please check with FaHCSIA that it is correct.

 

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