职工们最早可在62岁时领取养老金，不过大多数人会等到65岁，而即使从65岁算起，人们的平均寿命还会有15年。

Workers can draw a pension as early as age 62, though most wait till 65, and even then will on average survive for about 15 years.

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事实上，所有的个人帐户都是虚拟的，因为职工直到退休后才可以领到养老金，同时还需要缴费15年以上。

Individual accounts are in fact, virtual, because employees will not be able to cash out their pension until they retire, and have contributed to their individual accounts for at least 15 years.

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从7月1日开始，澳大利亚领养老金的人将通过“工作奖励”得到改善，可以找到兼职工作或者延长退休时间。

Beginning July 1, Australian pensioners will get improved "work bonuses" to find part-time jobs or stay longer in the workforce.

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