{"id":"F2022L01324","name":"Social Security (Exempt Lump Sum – Youpla Group Funeral Benefits Program Payments) Determination 2022","slug":"social-security-exempt-lump-sum-youpla-group-funeral-benefits-program-payments-determination-2022","collection":"legislative_instrument","jurisdiction":"commonwealth","status":"in_force","isInForce":true,"actNumber":null,"makingDate":null,"administeringDepartment":null,"currentVersion":{"id":441555,"registerId":"F2022L01324-fast-fetch-1775956830368","compilationNumber":null,"startDate":"2026-04-12","status":"InForce","reasons":null,"registeredAt":null},"sections":[{"sectionNumber":"1","sectionType":"section","heading":"Social Security (Exempt Lump Sum – Youpla Group Funeral Benefits Program Payments) Determination 2022","content":"---\nmeta-content-style-type: text/css\nmeta-content-type: application/xhtml+xml; charset=utf-8\nmeta-generator: Aspose.Words for .NET 22.10.0\nmeta-keywords: \"[SEC=OFFICIAL]\"\n---\n\n?xml version=\"1.0\" encoding=\"utf-8\" standalone=\"no\"?>\n\n![Commonwealth Coat of Arms of Australia](image.001.jpeg)\n\n \n\nSocial Security (Exempt Lump Sum – Youpla Group Funeral Benefits Program Payments) Determination 2022\n\nI, Andrea Wallace-Green, Acting Branch Manager of the Payment Structures and Seniors Branch in the Department of Social Services, make the following Determination.\n\nDated 4 October 2022   \n\nAndrea Wallace-Green\n\nActing Branch Manager of the Payment Structures and Seniors Branch\n\nDelegate of the Secretary of the Department of Social Services\n\n \n\n \n\n \n\nContents\n\n1  Name\n\n2  Commencement\n\n3  Authority\n\n4  Definitions\n\n5  Exempt Lump Sum ............................................1\n\n \n\n1  Name\n\n  This instrument is the Social Security (Exempt Lump Sum – Youpla Group Funeral Benefits Program Payments) Determination 2022.\n\n2  Commencement\n\n (1) Each provision of this instrument specified in column 1 of the table commences, or is taken to have commenced, in accordance with column 2 of the table. Any other statement in column 2 has effect according to its terms.\n\n \n\n- Commencement information\n- Column 1 Column 2 Column 3\n- Provisions Commencement Date/Details\n- 1. The whole of this instrument 7 September 2022. 7 September 2022.\n\n\nNote: This table relates only to the provisions of this instrument as originally made. It will not be amended to deal with any later amendments of this instrument.\n\n (2) Any information in column 3 of the table is not part of this instrument. Information may be inserted in this column, or information in it may be edited, in any published version of this instrument.\n\n3  Authority\n\n  This instrument is made under paragraph 8(11)(d) of the Social Security Act 1991.\n\n4  Definitions\n\n  In this instrument:\n\nAct means the Social Security Act 1991.\n\nYoupla Group Funeral Benefits Program means the program under which payments are made to eligible persons in respect of the death of a person whose death was covered by an eligible funeral insurance policy issued by a company in the group of companies known as the Youpla Group, in circumstances where the policy has been affected by the collapse and liquidation of those companies.\n\n5  Exempt Lump Sum\n\n  For the purposes of paragraph 8(11)(d) of the Act, the amount of a payment made under the Youpla Group Funeral Benefits Program is an exempt lump sum.\n\n \n","sortOrder":0}],"analysis":{"kimi_summary":{"content_quality":"ok","complexity_score":2,"scope_assessment":{"changed":false,"description":"The instrument remains tightly scoped to its original purpose: exempting payments from a specific government-established compensation program for victims of a specific corporate collapse (Youpla Group). There is no scope creep — it does not create broader precedents for other funeral benefit programs or expand beyond the narrow factual circumstances it addresses."},"complexity_factors":["Extremely short instrument: only 5 operative sections across 2 pages","Single defined term ('Youpla Group Funeral Benefits Program') with a bespoke definition tailored to this specific corporate collapse","No cross-references to other legislation beyond the enabling provision (paragraph 8(11)(d) of the Social Security Act 1991)","No conditional logic, exceptions, or nested provisions — the exemption applies universally to all payments under the program","No substantive amendments, schedules, or transitional provisions"],"plain_english_summary":"This Determination makes payments from the Youpla Group Funeral Benefits Program exempt from the social security income test. It protects people who lost funeral policies when Youpla/ACBF collapsed — payments from the government’s compensation program won’t reduce Centrelink entitlements like Age Pension or JobSeeker. \n\nWhy it matters: it prevents affected policyholders from being penalised twice — losing cover and then having their welfare payments cut because of the compensation they receive."},"flash_summary_failed":{"failed":true,"reason":"A positive credit balance is required for all requests, including BYOK, so fallback providers remain available. Add credits at https://vercel.com/d?to=%2F%5Bteam%5D%2F%7E%2Fai%3Fmodal%3Dtop-up to continue.","source":"analysis-cron"},"flash_summary":{"complexity_score":3,"scope_assessment":{"changed":false,"description":"The instrument is narrowly focused and self-contained: it designates Youpla Group Funeral Benefits Program payments as exempt lump sums (s5). The commencement note indicates the table reflects the instrument as originally made (s2). There is no indication within the text of any change to that original scope or subsequent amendment."},"complexity_factors":["Short, single-purpose instrument that declares a specific class of payments exempt (s5).","Relies on cross-reference to paragraph 8(11)(d) of the Social Security Act 1991 for legal effect, so impact requires checking that provision in the Act (s3).","Defines the covered program narrowly (Youpla Group Funeral Benefits Program) with factual condition tied to company collapse and liquidation—requires factual verification by administrators (s4).","Commencement mechanics and retroactive commencement date are set out and note the table relates to the instrument as originally made, which may affect record-keeping and timing (s2).","Made by a departmental delegate under statutory authority, so amendment or revocation would follow delegated-instrument processes rather than primary legislation (s3).","Practical compliance is operational: agencies must record and treat these payments as exempt in client assessments, though the instrument imposes no direct obligations on private parties (s5)."],"plain_english_summary":"This Determination says payments made under the Youpla Group Funeral Benefits Program are an \"exempt lump sum\" for the purposes of the Social Security Act 1991. It affects people who receive those payments and social security administrators who assess income and assets, because those payments are to be treated as exempt when applying the Act's means-testing rules."}},"importantCases":[],"_links":{"self":"/api/acts/social-security-exempt-lump-sum-youpla-group-funeral-benefits-program-payments-determination-2022","history":"/api/acts/social-security-exempt-lump-sum-youpla-group-funeral-benefits-program-payments-determination-2022/history","analysis":"/api/acts/social-security-exempt-lump-sum-youpla-group-funeral-benefits-program-payments-determination-2022/analysis","conflicts":"/api/acts/social-security-exempt-lump-sum-youpla-group-funeral-benefits-program-payments-determination-2022/conflicts","importantCases":"/api/acts/social-security-exempt-lump-sum-youpla-group-funeral-benefits-program-payments-determination-2022/important-cases","documents":"/api/acts/social-security-exempt-lump-sum-youpla-group-funeral-benefits-program-payments-determination-2022/documents"}}