Q: How difficult is it to qualify for the Commonwealth Seniors Health Card and is it worth it? The income test appears rather complicated, especially as I have a defined benefit pension, an account-based pension, and other assets such as shares and managed funds. Frank.

A: Close to half a million Australians have a Commonwealth Seniors Health Card, a concession card that extends lower-cost health and medical services enjoyed by government age pensioners to self-funded retirees.