
Aussie mum's warning after $15,000 Centrelink mistake
Newcastle mother-of-two Lexi recalled how her claim was denied when she initially applied for the scheme following the birth of her first child three years ago.
The 26-year-old and her husband had been relying on the money and was devastated to learn she was ineligible.
It wasn't until weeks later that she realised that she made a common mistake on her application.
She erroneously ticked a box applying for both paid parental leave and the family tax benefit – which she was not eligible for.
The mix up meant that Lexi's application was denied and was advised in writing that her husband earned too much money.
'We were counting on that money, we knew it was coming, and honestly to be denied it, we were just in a spiral,' she explained on TikTok.
'Basically, this one wrong box gets ticked all the time.
'I can't imagine the number of people that are going around out there thinking that they're not eligible for this money when they actually were.'
The second time she applied, she was approved.
'By the time that all happened and by the time I got approved, my son was about five months at that point,' she told Yahoo.
'I did get back pay from a certain date of my application. So I still ended up with 18 weeks.'
The value of the claim was $15,000 – an amount Lexi may have never received had she given up on her rejected claim.
The money made a 'big difference' in her household, despite having budgeted to live off her husband's income.
Lexi was reminded of the 2022 blunder when she applied for paid parental leave following the birth of second child last year.
Her video posted last week has since attracted more than 100,000 views.
The mother-of-two urged eligible parents to apply early to allow time to correct any errors and avoid financial hardship.
The mother-of-two urged eligible parents to apply early to allow time to correct any errors and avoid financial hardship.
'If you are denied the first time, make an appointment at your local Centrelink,' Lexi said.
'I made the appointment to make sure that I did everything correctly with my application, and while it did take a little bit more of my time, it meant that everything was correct.'
Services Australia allows parents to submit claims pre-birth.
Applications can be made up to three months before the baby is due.
The process can be completed online and requires a Centrelink account linked to myGov.
Eligible parents can claim the Parental Leave Pay government benefit to take time off to care for their newborn or recently adopted child.
The payments are based on the minimum wage, equating to $916 per week for 22 weeks.
From July 1 of this year, the duration will increase to 24 weeks and includes superannuation.
On that same date in 2026, the payments will last 26 weeks.
Applicants must meet income tests, work tests and residence rules to be eligible. However, Centrelink advised parents-to-be make an application and allow professionals to determine their eligibility.
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Telegraph
18 minutes ago
- Telegraph
‘I'm cash-poor but don't want to sell my home. Will my inheritance plan work?'
Receive personalised tips on how to improve your financial situation, for free. Here's how to apply or fill in the form below. Patricia Lowe finds herself in a position many other pensioners are bound to recognise – asset-rich and cash-poor. The 79-year-old wants to give £250k to her sons to spend now rather than as part of a future inheritance, but her pensions only pay a combined income of around £40k per year. One solution might be to downsize – the former adoption social worker first moved into her seven-bedroom home in Shropshire in 1981. With its striking red-brick Victorian architecture, sizeable garden and convenient walking distance from the heart of Shrewsbury, the property is worth around £800k. There's just one problem, as Ms Lowe explains: 'I don't want to move, that's the bottom line. I love this house. My children were three and five when we arrived so they really can't remember anything else. 'Obviously I could downsize, but that doesn't keep the house in the family. 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Ms Lowe's idea for her sons to purchase the property via a limited company is innovative but it presents several practical and financial hurdles. Company mortgages, sometimes referred to as limited company buy-to-let mortgages, attract higher rates and fees than standard residential products. Lenders often require larger deposits, and the fact that one son lives in Germany and both already hold mortgages complicates matters further. Given the tenant is a family member, the lender will consider this as a regulated deal – which will narrow the options. There are tax implications too. Selling her own home to her sons would trigger stamp duty, including the 3pc second property surcharge, and potentially capital gains tax further down the line. Additionally, Ms Lowe would lose her principal private residence relief, meaning any future sale of the property by the company would be liable for corporation tax on any gains. She'd also be paying rent to her sons' limited company, and that's income the company has to declare and pay tax on. It might feel like a workaround to unlock funds, but realistically it's unlikely to be more cost-effective or administratively straightforward than an equity release or retirement interest-only mortgage.


Daily Mail
an hour ago
- Daily Mail
Super-fit mum, 39, dying from bowel cancer shares the common symptom she wishes she hadn't ignored
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Ms Maeyke was told that she has stage four terminal metastatic bowel cancer, which means that the initial cancer from her bowel had spread to other organs. And she's convinced that the shooting pains she felt was the cancer taking over her body. She said: 'I thought it wasn't anything sinister. That's is why it became advanced cancer and spread all through my abdomen, liver, ovaries and starting from my bowel. 'I felt each stabbing pain, when it was spreading in my bowel with a tumour almost blocking my bowels. 'I felt the lump appear and was told it may just be a lymph node. That was the tumour I was feeling. @stoneinthe0cean Another sign of CANCER is unexplained sharp stabbing pains. I begun having sharp stabbing pains in my stomach about 3 months before I was diagnosed with Stage 4 Terminal Metastatic Bowe Cancer at 37 years old. The stabbing pains started off lightly and by the end of it, it was enough pain to drop me on my knees. 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'The relationship between night sweats and cancer is unclear. However, researchers believe multiple factors may be involved. 'Your body's fight against cancer is one of them. Another is changes in hormone levels caused by the cancer and your body's response.' Ms Maeyke, now 39, has been bravely sharing her ongoing battle against cancer on TikTok, informing her 50,000 followers of some of the key signs—common and lesser known—of cancer, and the steps doctors have taken to try and extend her life. She has also spoken openly about the hardest part of her situation, the welfare and future of her son, Maison. In a GoFundMe she set up to try and create a financial cushion for her family during her illness and beyond, she wrote: 'The true weight of my struggle lies not in my own pain, but the potential loss for my 12-year-old son, Maison. 'A vulnerable child who may miss out on the love and presence of his mother. 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Telegraph
an hour ago
- Telegraph
I went on my first diet age 10. Now I'm on Mounjaro and won't look back
I was just 10 years old when I went on my first diet. I remember so vividly being little and first becoming aware of my body, that it was different from everyone else's, or that I was built differently to my friends. My mum and I would even have contests to see who could lose the most weight. Ever since then I struggled endlessly with my weight – until I came to the decision stay on the weight-loss drug Mounjaro for the rest of my life. The truth is, I've tried everything – Weight Watchers, SlimFast, the Atkins Diet. I even tried cutting out refined foods and dairy, and drinking solely shakes. I hired a personal chef, and a personal trainer too. Nothing stuck. Then I went on Mounjaro and lost 2st in three months, and 6st within a year. Now that I've reached 10st, my focus is on maintaining it. That is why I am still on the medication and will probably be on it forever. I have to keep the obesity at bay, and Mounjaro treats my disease and keeps me healthy. I know a lot of people will have their opinions of me and my choices – I've heard it all. I'm ok with what they say because amongst all the hate, maybe I've reached someone who might be afraid of trying it, and this story changes their life. How it started My husband Erik and I live with our three children, two daughters aged eight and five, and one son aged 11, in New Jersey. I was a teacher for 10 years but after I had my first child in 2014, I switched jobs to be able to work from home because it was difficult to pay for daycare. After my second child, my husband became a full-time doctor and made enough money so that I was able to become a stay-at-home mum. For the next eight years, I continued as normal while eating huge food portions. Eventually, it got out of control. I couldn't breathe doing cardio, I couldn't even play with my children. I'm an avid equestrian and I wasn't able to ride or do my lessons any more. We'd just trot around – I felt so bad that I was letting my horse down. I can't even tell you how many weddings I turned down because I wasn't happy with my weight, or how many social events I missed because I didn't feel pretty enough. I felt I was the only person in the world struggling. My mum and my grandmother both suffer from obesity as well. Growing up, my mum would say, 'Oh, we don't eat that food', or 'That's bad food, we need to eat good food.' Her words contributed to an unhealthy narrative around food. I always felt bad about eating a cookie or a slice of cake. It wasn't healthy to be having these conversations about my body at such a young age. The moment I knew I needed to change During my 20s and 30s, I thought that my health was infallible and that nothing could happen to me. Then in 2022, when I was 16st and just about to turn 40, I got my blood tests back and I discovered I was pre-diabetic and obese. It was such a shock to me: I'd always know I was a bit bigger, but I didn't realise my health was reflecting that. I was at the end of my tether – something had to change. I read an article in The New York Post about someone else's experience on this medication first came out it was still new in treating weight loss. Before Mounjaro, weight-loss drugs had a very bad reputation – they had terrible side effects so you couldn't be on them for too long. I sat my husband down and told him I'd looked into this new drug and I wanted to explore it. He said he wanted me to do some research into it to make sure it wasn't just a fad, but after a few days he came back to me and said that it was a legitimate medication. We then went about finding a doctor. At the time, only endocrinologists were prescribing the medication because of their work with diabetic patients, and because I was pre-diabetic, I was able to qualify, so we travelled to New York City. My endocrinologist prescribed me the starting dose, 2.5mg. She prepared me well for the side effects. She said I'd feel nauseous for the first couple of months, I might feel tired, and I wouldn't feel hungry. I'd describe the side effects to be similar to the first trimester of pregnancy. I know a lot of women on the medication suffer from constipation or diarrhoea but fortunately, I didn't have that. The doctor recommended I work with a nutritionist during the first months. I realised that although I was not hungry, I still had to fuel my body with good food. The nutritionist told me that not eating balanced meals while on the medication could lead to hair loss, skin issues and a vitamin D deficiency. She told me to take a fibre supplement, drink plenty of water and drink protein shakes or smoothies daily. Three years later, a protein shake is still my go-to life hack – it's like a cheat sheet to ensure you are getting the nutrients in. The results When I first started using Mounjaro, I was very quiet about it. My husband was the only person that knew about it for three months. I was nervous about the judgement – what if people told me that I took the easy way out? I lost 30lb (2st) in three months, and slowly friends would start to tell me that I looked good, and I decided to be honest about how I'd done it. My relationship with food also changed: I had so much emotional baggage and lifelong disappointment that I had to learn to erase. I had to learn that there was no such thing as 'bad food', it was just food. If I wanted to have some chocolate cake, I could have a few bites and have the strength to walk away. On previous diets, if I ate a slice of chocolate cake, I'd spiral and binge-eat the entire cake. After a few months on 2.5mg, I went up to 5mg for three months. After that I stopped losing weight, so I increased it to 7.5mg. Every time I plateaued and went longer than three weeks without weight loss, I would increase the dose. Once I went up to 12.5mg I reached my target of losing 95lb, which is just over 6st. The medication has offered me so many other health benefits – the inflammation in my knees and ankles has gone down. Before I lost weight, I was having a lot of trouble on my horse and I went to physical therapy to try and address it, but nothing worked. Once I lost the weight, I suddenly didn't have any pain at all. My anxiety and depression have also drastically improved. When I weighed 16st, I was unable to leave my house and when I did, it was only to go into town to run errands. If anyone asked me to go for lunch or dinner, the answer was no. If I was invited to a party for the evening, I wouldn't go. After losing 6st, the travel fear went away – me and my husband went on a flight to Paris, and took weekend trips to New York City. My newfound confidence When I started noticing results, I decided to make a TikTok account because at the time, none of my friends were on there, so I could post without them seeing. Eleven months into using Mounjaro, I'd slimmed down to a US size 6 (roughly a UK size 10). I fit into clothes that I couldn't fit into before; going in and being able to fit into medium and small-sized clothes was so exciting. I was able to go out to parties and I became very social. I gained a newfound confidence which many people start to lose in their 40s but for me, it continues to grow. I've started dabbling in interior design and am even considering opening up my own business. I just know I wouldn't have had the confidence to do that three years ago. Ironically, I feel like my mum was a bit jealous of my successful weight loss. She realised how hard she had to work and how much she had to restrict herself to stay in shape, whereas I was able to be healthier and thinner without all that hard work. At dinner, I was able to order pasta and a glass of wine, and she had to sit there with her plain chicken. I had a lot more enjoyment in my life and I think she was envious of how many people said I looked good. After I had lost around 75lb, Erik took me to a shop so I could buy new boots and breeches. It was so exciting to be able to buy equestrian clothes that I wasn't able to fit into before. I love the European equestrian brands like Redpost and Holland Cooper, and now I could shop there – these are the experiences that I hold so dear. Staying on Mounjaro I suffer from chronic depression, and although Mounjaro has helped me manage some of my symptoms, I know I'll be on antidepressants for the rest of my life. I truly believe it's the same with obesity, and so my clinician and I worked to bring me down to a dose that keeps me balanced, so I'm not losing or gaining weight. We initially trialled going from 12.5mg down to 7.5mg, but I started to gain weight again so I went back up to 10mg and have stayed there for almost two years. I've had such a good experience with the medication that my husband started to take it too. He isn't obese, but once he hit 40, he became more conscious of his dad bod and wanted to feel good about himself. He hasn't lost as much as I did, probably around 30 to 40lb, and I think that is down to the fact he's not clinically obese. We are still figuring things out and discovering new science with this medication – we are the first generation. Now I look at my eight-year-old daughter, who is a fuller-sized, beautiful girl, and know that's ok. We have healthy conversations about listening to our bellies and eating when we are hungry. I don't want her on Mounjaro, but if she needed to be on it when she's older, I'd understand. Some parts of maintaining her figure are out of her control, and now there's medication to help with that. That's why I look at Mounjaro as the medication that broke my generational curse. My only issue is with how cost-prohibitive the medication is. In the US, most of the insurance companies don't cover weight-loss drugs, even though obesity is a disease. They believe that everyone can just lose weight with diet and exercise, when that is not the case. I pay $1200 (£880) a month for my medication – that's most people's rent, a lot can't afford it. (In the UK, you can get Mounjaro on an NHS prescription for £9.90, or from a private clinic for around £180 a month.) I'm so happy that there's finally an answer to obesity. At 41, the unhealthy food narratives that have always been a battle, I've finally been able to put to an end. As told to Nicole Collins What I ate before Mounjaro Breakfast: Coffee, three eggs, two pieces of toast Snack: Handfuls of cereal, children's snacks Lunch: A foot-long Subway sandwich with crisps, a cookie and a soda More snacking Dinner: Large portion of chicken and pasta Dessert: Coco puffs Alcohol: Two glasses of wine at night Exercise: Horse riding – even though it was very difficult What I eat after Mounjaro Breakfast: High-fibre cereal like raisin bran Snack: Protein shake Lunch: Soup and Vietnamese spring roll Dinner: Light dinner like a mince salad with taco shells Dessert: No dessert Alcohol: Mounjaro changed my relationship with alcohol, so I don't drink any more unless I'm out in a social setting, and I often feel nauseous when I do Exercise: Horse riding, I'm now able to ride properly every day Mounjaro FAQs By Dr Kaywaan Khan, a GP and weight-loss and wellbeing specialist at Hannah London, and Dr Leah Totton, a medical and cosmetic doctor at Dr Leah Clinics and Skincare Can you stay on Mounjaro forever? Yes, you can use Mounjaro in the long term, says Dr Khan. Some people 'will take the medication forever because they not only have obesity as a chronic disease, but they [have conditions such as] heart disease or diabetes so taking this medication is part of their core health treatment and preventative health care,' Dr Khan adds. Can taking Mounjaro affect your period? 'A woman who is already overweight might already be having irregular periods, so Mounjaro might actually help those women to regulate their periods,' says Dr Khan. 'It can potentially stop periods if you have too little fat. Alternatively you might have enough fat but if you lose weight too quickly, it can put the body into shock because of a very little calorie intake.' How can you prevent skin sagging while on Mounjaro? 'Slow weight loss is advised. I would recommend reducing the speed in which you lose weight and increasing your protein intake during the weight loss process,' says Dr Totton. 'I would also suggest doing resistance training to work on the lean muscle mass. You can also take collagen peptides and vitamin C to support skin health, or consider treatments such as radio frequency or microneedling to stimulate collagen elastin and tighten the skin.'