CCL对话内容横跨五大主题 （legal, welfare, medical, business, education），每个主题都有很多细分话题和相关的背景知识，不论是自学备考CCL还是在老师指导下学习CCL的同学，五大话题里的背景知识都是一块不能轻视的内容。即使在我们考官亲授的CCL课程中（……顺便给大家发个广告传单），老师都会重点讲解每一个话题里经常考到的热点知识来帮助同学们更好地积累和运用。

如果对背景知识不熟悉，对澳大利亚这个国家不了解，同学们一定每段CCL对话听完，心里都是一个巨大的“WTF？什么pension来着？”可是单独去拼命寻找CCL的背景资料实在是非常浪费时间，于是在研讨会上，老师们提出了专门为备考的同学们整合一系列welfare热点话题背景知识文本+音频系列的CCL材料。

护理人员须知 : 我们为护理人员提供福利金。

1. 护理人员款项须知：

申领此项福利金，您和被护理者的收入和资产均必须低于收入与资产测试限额。

您必须:

·  为有严重残疾、严重疾病或年老体弱者提供持续不断的日常护理

·  提供了至少 6 个月的家庭护理

·  每周工作或学习时间不超过 25 个小时

·  未领取其它收入补助金。

2. 护理人员津贴：

申领此项津贴，您必须为以下人士在家提供额外日常护理:

·  与您一起生活的 16 岁以下有残疾或严重疾病的儿童;

·  与您一起生活的两个或以上 16 岁以下儿童，其护理需求加起来相当于一个符合资格的儿童;或

·  16 岁或以上的有残疾、严重疾病或年老体弱的人士。

3. 护理人员补助金：

为因护理有残疾或病况者而领取一项合资格福利金的护理人员提供的补助金，该补助金每年发放一次。

4. 护理人员调整补贴：

领取此项一次性福利金，您必须:

·  全日护理有严重疾病、病况或因灾难而留下严重残疾的 7 岁以下儿童

·  护理上述儿童至少 2 个月

·  为上述儿童领取 Carer Allowance

·  确定您和您的伴侣没有资格领取 Carer Payment 或其它收入;而且

·  灾难发生后亟需经济援助。护理人员的居住规定

申领福利付款当天，护理人员及其护理的人均必须: ·是澳大利亚居民;且

·在澳大利亚生活。

5. 情况变化：

如果您的个人情况发生任何变化，必须在 14 天内告诉我们，因为福利金可能会发生变化。如果您故意不告诉我们，可能会被指控诈骗。

在以下情况下，您必须告诉我们:

·停止提供护理;

·开始与他人分担护理任务;

·结婚、开始或不再与伴侣一起生活; ·收入开始增加;

·您的资产增加，或投资发生变化; ·搬家;

·移居澳大利亚境外;

·去海外度假;或

·开始增加工作或学习时间。

如果接受护理的人士发生以下变化，您必须告诉我们:

·  需要的护理减少

·  由别人提供护理

·  转为暂休护理或住院

·  不再是受抚养儿童

·  开始从 National Disability Insurance Scheme(全国残障保险计划)获得援助

·  移居澳大利亚境外

·  去海外度假;或

·  身故。

6. 申领护理人员福利金

如果您有 Centrelink 网上账户，可从网上直接申领 Carer Payment 或Carer Allowance，或两项同时申领。

(‘we’ refers to department of human services. )

Information for carers : We offer payments to people who care for someone.

1. Carer Payment 

To get this payment you and the person you provide care for must be under the income and assets test limits. 

You must: 

·  give constant, daily care to someone who has severe disability, or severe illness, or who is frail aged 

·  care for them in a private home for at least six months 

·  not work or study for more than 25 hours a week 

·  not be on another income support payment. 

2. Carer Allowance 

To get this allowance you must give extra daily care at home to: 

·  a child aged under 16 who has a disability or serious illness and lives with you 

·  two or more children aged under 16 living with you whose care needs add up to the same as one eligible child, or 

·  someone aged 16 or older who has a disability, or serious illness, or is frail aged. 

3. Carer Supplement 

A payment for those who get an eligible payment to provide care for a person with a disability or medical condition. It's paid once a year. 

4. Carer Adjustment Payment 

To get this one-off payment, you must: 

·  give full-time care to a child under 7 who has a severe illness, medical condition, or major disability following a catastrophic event 

·  care for them for at least 2 months 

·  get Carer Allowance for the child 

·  make sure you and your partner are not eligible for Carer Payment or other income support payments, and 

·  have a very strong need for financial help straight after the catastrophic event. 

Residence rules for carers 

On the day you claim, both you and the person you provide care for must be: 

·  Australian residents, and 

·  in Australia. 

5. Change of circumstances 

You need to tell us within 14 days about any changes because your payment could change. If you deliberately don’t tell us about changes, you could be charged with fraud. 

You must tell us if you: 

·  stop providing care 

·  start sharing the care with someone else 

·  marry, or start or stop living with your partner 

·  start getting more income 

·  increase your assets or your investments change 

·  move house 

·  go to live outside Australia 

·  go overseas for a holiday, or 

·  start doing more work or study. 

You must tell us if the person you provide care for: 

·  needs less care 

·  is in someone else’s care 

·  goes into respite care or hospital 

·  stops being a dependent child 

·  starts getting support from the National Disability Insurance Scheme 

·  goes to live outside Australia 

·  goes overseas for a holiday, or 

·  dies. 

6. Claiming carer payments 

If you have a Centrelink online account, you can claim Carer Payment, Carer Allowance or both online. 

【二：优惠卡及保障卡介绍+热点单词】

【三：托儿服务补助金】

【四：理财服务讯息】

【五：婚姻关系状态】

【六：求职帮助】