This one is especially for my fellow QDN members. Those of you who were at the recent meeting at North Lakes with Federal Member for Petrie Luke Howarth and the Federal Assistant Minister for Social Services and Disability Services Jane Prentice may recall during question time, someone asked about the Cashless Debit Card.
The Cashless Debit Card (CDC) for those of you who haven’t heard about it yet, is the government’s latest scheme in Income Management of people who receive Centrelink payments. All payments aside from Aged Pension and Veteran’s pensions are triggers for a person to be placed on the card.
Once on the card, 80% of your payment is put onto it and the other 20% into your usual bank account. The 80% on the card is restricted to how you can spend it. The card cannot be used for cash withdrawals or transfers between accounts. It cannot be used for direct debit payments unless by agreement with Indue (the company managing the card scheme). It cannot be used to purchase alcohol or gambling items (except for lottery tickets). This means you can’t use it if you go to the club with friends for a drink. You have to rely on the cash you have in your regular bank.
Currently the card has been trialled in Ceduna South Australia and East Kimberley in Western Australia. The third trial site was announced this week as being the Goldfields region of Western Australia. The government and stakeholders in the scheme have expressed every intent to expand this nationally.
We raised our concerns about people on DSP and Carer payments being placed on the card with Mr Howarth who told us we had no reason to be concerned as it was not aimed at people like us. It was apparently aimed at people of working age on Newstart or Youth Allowance. However legislation and guidelines to the scheme specifically state as I mentioned above. ALL payments except for Aged and Veteran’s Pensions are trigger payments for a person to be placed on the card. When I found this information I then went and emailed Mr Howarth as he had invited me to do. His office told me he’d have to do some research and get back to me.
He still hasn’t gotten back to me. Now that the final evaluation of the scheme has been released and the government are blowing their own trumpets about how successful it was (that’s another story) and it’s very clear that they have every intention to continue to expand it, I wanted to make sure you are all armed with the information you need to know. This will be an election issue for us come the Federal election.
The review of the trial showed the numbers of people who responded to the surveys (you can read more about the evaluation and other articles I’ve written about this via the links below). I don’t know why Orima relied on people self reporting what payment they were on when they could have obtained that information from the Department of Human Services but if you do read my other articles you will see the entire review is flawed with inaccurate reporting and figures.
It is important though to note that there ARE IN FACT people on DSP and Carer payments who have been forced onto this card scheme.
|Payment Type||Ceduna||East Kimberley||TOTALS|
|Parenting Payment Partnered||8||14||22|
|Parenting Payment Single||29||75||104|
|Disability Support Pension||33||93||126|
|Carer Payment / Allowance||10||14||24|
|Family Tax Benefit||30||78||108|
|6 People in total have volunteered to be part of the trial|
|Source: Orima – Cashless Debit Card Trial Evaluation – Final Evaluation Report|
In fact almost half as many people as Newstart participants are DSP participants. There are 2141 participants all up but only 552 people were surveyed. Many have refused to state the payment they receive in the survey.
I have a whole range of concerns and issues about income management as a citizen but as a person with a disability it is even more significant. The difficulty I will have in changing my payment methods of my bills (I share expenses with other people) will be stressful. Not being able to transfer money to my kids or family or pay the small bills I pay by bank transfer will restrict me. Most of all, for myself as a user of mobility devices and a person with motor control issues, I struggle to insert my card into eftpos machines. The CDC has no tap and go feature which is the method I mostly use when using my card while shopping.
I am exploring if this means that the card discriminates against me on the basis of my disability. I also have a number of privacy concerns.
What we were mostly concerned about at the meeting though is why we should even have to be put onto such a demeaning scheme when on the flip side the government are telling us not to accept this kind of demeaning treatment and that NDIS will set us free. Why is it that we can be in control of thousands of dollars in NDIS funds but not our own income support?
If this card is supposed to be aimed at reducing crime, alcohol, drug and gambling problems then why are we being put on it? What are they trying to say?
If you want to find out more about it please feel free to read my other articles or get in touch with me to ask any questions. Most of all, we all need to ask our Federal representatives if they really understand what this is all about and what it will mean for us. And them come the election.
I’d like to believe Mr Howarth wasn’t lying to us and that he was just ignorant of the facts. That said if he was only ignorant and just going by the media releases the government have been putting out to make it sound good, then is he really doing his best to represent us?
Take care all.
Elisha “Friday” Wright