Claim for a Health Care Card

Transcription

1 SS (Page 1 of 16) Claim for a Health Care Card What can a Health Care Card be used for? Holders of Health Care Cards may be entitled to a range of concessions from the Australian government, State and Territory governments and some private organisations. For more information on what concessions you may be entitled to you can obtain a copy of A Guide to Centrelink Concession Cards by calling or from our website at Use this claim form to: Claim a low income Health Care Card if you are a low income earner with income below certain limits. For more information on current limits please call Centrelink on or visit our website at Claim a Health Care Card for a foster child Use this form if you wish to claim a Health Care Card ONLY for a foster child. If you wish to claim Family Tax Benefit as well as a Health Care Card for the foster child, you will need to complete the Claim for Family Tax Benefit form (FA001). If you do not have this form, call the Family Assistance Office on or go to our website at A foster child can be any child for which you are providing daily care that is not your natural or adopted child. How to claim You will need to provide documents that prove your (and your partner s) identity or the identity of your foster child. This claim will advise you of other documents you may need to provide to support your claim (such as proof you are legally entitled to reside in Australia, or proof of your income). You may also be required to complete other forms. If you do not have these forms, call Centrelink on or go to our website at Return the completed form(s) along with the required documents to Centrelink. This can be done by mail or in person at any Centrelink Customer Service Centre.

2 SS (Page 2 of 16) The Health Care Card Income Test Medical treatment already provided Your eligibility for the low income Health Care Card is based on your income over the 8 weeks immediately prior to the date you lodged your claim. You can be eligible only if your total income is below the limit which applies to you. The limit varies depending on whether you are single or partnered and how many dependants you have - to find the current limit that applies to you call Centrelink on or visit our website at (look under H for Health Care Cards in the A-Z index). If you have received medical treatment you may be able to retrospectively claim your concessional entitlements. This applies if you were qualified for the card at the time of your treatment and remained qualified for the card from then until the date you lodged your claim. Dependants Any child under 19 for whom you receive Family Tax Benefit will appear as a dependant on your Health Care Card*. If you have a dependent child under 19 for whom you do NOT receive Family Tax Benefit, you can make a claim for this child by calling the Family Assistance Office on , or visiting the website at Certain dependants are not eligible to claim their own Health Care Card. This applies to claimants aged under 19 who are supported by their parents or guardians or another person and are undertaking secondary study, unless they have also been granted a Centrelink payment. Being a dependant means there is someone responsible for your day to day care, welfare, and development. You are not considered a dependant if your annual income is more than a certain amount. Any child who receives a Centrelink payment is not eligible to appear as a dependant on a Health Care Card, but may be eligible to claim their own card. *NOTE: Dependants aged 16 to 18 must be undertaking secondary studies to be eligible to appear on your card. Foster children A child can be regarded as a foster child where you provide ongoing care and the child is not your natural or adopted child. Care can be under formal arrangements (through child protection or foster care agencies) or informal arrangements (for example care provided by an aunt, uncle, grandparent or close family friends). To qualify as a foster child for the Health Care Card, the person must be under 25 years old and meet certain study requirements, depending on their age. Residence requirements To be eligible for a Health Care Card you must have legal residence status, be residing in Australia, and be physically located in Australia. To have legal residence status for the purposes of claiming a Health Care Card you must be: An Australian citizen, or The holder of a permanent visa, or A New Zealand citizen who arrived on a New Zealand passport, or The holder of a certain temporary visa. Residing in Australia means you are living in Australia on a permanent basis. Any absences from Australia, even if temporary, mean you lose entitlement to your Health Care Card. If you have not previously done so, you may need to supply Centrelink with documents that show you are legally allowed to remain in Australia, such as an Australian birth certificate or passport or citizenship papers, or any other documentation (such as visas you may have been issued) that show your residence status.

3 SS (Page 3 of 16) Age Pension age You only have to answer Question 31 if you have reached Age Pension age. For men the Age Pension age is 65 years or over. For women the age varies - the table will help you work it out. Woman s date of birth Qualifying age Before: 1 July On or between: 1 July 1935 and 31 December January 1937 and 30 June July 1938 and 31 December January 1940 and 30 June July 1941 and 31 December January 1943 and 30 June July 1944 and 31 December January 1946 and 30 June July 1947 and 31 December On or after: 1 January Proving your identity to Centrelink As a Centrelink customer you are required to prove your identity when claiming a service. To claim your own Health Care Card, you must provide documents to the value of 50 points from Centrelink s list of approved documents - a copy of which can be obtained by calling and asking for a Proving your Identity to Centrelink form (SS231) or visiting our website at If you are claiming a Health Care Card for a foster child you must supply documents to the value of 50 points for the child. Examples of acceptable documents include, Medicare Card (20 points), Driver s Licence (40 points) or Australian Passport (70 points). If you are unable to supply the necessary documents, please contact Centrelink as soon as possible.

4 Enquiries SS (Page 4 of 16) If you need any help or further information about Health Care Cards please call Centrelink on For more information in languages other than English call If you need an interpreter or translator of other documents for Centrelink business, we will arrange this for you free of charge. TTY service FREECALL Only for people who are deaf or have a hearing or speech impairment. A TTY phone is required for this service. If you would like further information on Centrelink services and payments you can visit the Centrelink website at Do you (or your partner) need an interpreter when dealing with Centrelink? This includes sign language. Information in other languages What is your preferred language?

5 PART A Your personal details SS (Page 5 of 16) 1 What is your current marital status? Single (never married or lived with a partner) Widowed Go to Question 2 (please disregard the references to Your partner ) Date you became widowed Divorced Separated Date of divorce Date of separation Go to Question 2 (please disregard the references to Your partner ) Married De facto Date of marriage Date you became de facto Is your partner also applying for a Health Care Card? Your partner s details are needed to assess your eligibility. Please ensure your partner s details are completed. NOTE: Partner details are NOT required if you are claiming a Health Care Card for a foster child. If you are both eligible you will both get Health Care Cards. 2 Contact details R PARTNER Family name First given name Second given name Other names you have been, or are known by (e.g. maiden name) Date of birth Home address Title Mr Mrs Miss Ms Other Male Female NOTE: If you have reached Age Pension age you may be able to claim a Commonwealth Seniors Health Card. Mr Mrs Miss Ms Other Male Female NOTE: If you have reached Age Pension age you may be able to claim a Commonwealth Seniors Health Card. Postal address (If same as home address write as above ) Please provide your telephone Home ( ) Home ( ) number(s) if you agree to us contacting you by phone Is this a silent number? Is this a silent number? address Work ( ) Work ( ) Mobile Mobile

6 SS (Page 6 of 16) PART A continued Your personal details R PARTNER 3 Would you like help in dealing with Centrelink? NOTE: You can change this authority at any time. Would you like to authorise another person/organisation to make enquiries only about your Centrelink payments/services? Would you like to authorise another person/organisation to make enquiries only about your Centrelink payments/services? Go to Question 4 Go to Question 4 Person s name Person s name Their relationship to you (e.g. father, partner, friend) Their relationship to you (e.g. father, partner, friend) Their date of birth Their date of birth Their address Their address 4 Would you like another person/organisation to receive Centrelink correspondence on your behalf? and attach an Authority for minee form (SS313). If you do not have this form call Centrelink on or go to our website at and attach an Authority for minee form (SS313). If you do not have this form call Centrelink on or go to our website at 5 Which of the following best describes your circumstances? Employee Full-time Student Full-time Part-time Part-time Employee Full-time Part-time Student Full-time Part-time Self-funded retiree Self-funded retiree Farmer Farmer Self-employed non-farmer Self-employed non-farmer Apprentice Apprentice Religious worker Religious worker t employed t employed Other - please specify Other - please specify This is an optional question which will not affect your claim. If you do answer, the information will help us to continue to improve services to Aboriginal, Torres Strait and Australian South Sea Islander peoples. 6 Are you of Aboriginal, Torres Strait or Australian South Sea Islander origin? For persons of more than one origin, tick more than one box., Aboriginal, Torres Strait Islander, Australian South Sea Islander, Aboriginal, Torres Strait Islander, Australian South Sea Islander

7 SS (Page 7 of 16) PART A continued Your personal details Answer Questions 7 and 8 ONLY if you are under 19 years of age and NOT receiving Youth Allowance or ABSTUDY. R PARTNER 7 Are you being financially supported by your parents/guardians or any other person? What is your estimated annual income for the current financial year? What is your estimated annual income for the current financial year? 8 Are you currently undertaking a course of study? NOTE: If you are aged 16 to 18 and undertaking secondary study, then you can only qualify for a Health Care Card if you have also been granted Youth Allowance or ABSTUDY. Name of school/college/campus Address Name of school/college/campus Address Course title (e.g. Yr 11, Cert 3, etc.) Course title (e.g. Yr 11, Cert 3, etc.) Full-time Part-time Full-time Part-time PART B Residence NOTE: You may need to provide proof of residence. See the Residence Requirements section on page 2 of this claim form. 9 Are you: an Australian citizen, AND born in Australia? Go to Question 13 R PARTNER Go to Question Are you: an Australian citizen, but NOT born in Australia? When were you granted Australian citizenship? When were you granted Australian citizenship? 11 Please advise: A B C When did you start living in Australia? Did you arrive on a New Zealand passport? What type of visa did you arrive on? Permanent Visa subclass When did you start living in Australia? Did you arrive on a New Zealand passport? What type of visa did you arrive on? Permanent Visa subclass Temporary Temporary Date granted Date granted Unknown (e.g. arrived on mother s/father s passport) Unknown (e.g. arrived on mother s/father s passport)

8 SS (Page 8 of 16) PART B continued Residence R PARTNER 11 Please advise: (continued) D Are you a permanent visa holder (this includes refugee visa)? (If known) Are you a permanent visa holder (this includes refugee visa)? (If known) Date granted Date granted E Did either of your parents or partner arrive on a refugee or humanitarian visa? You will need to provide your residence status, e.g. passport or other documentation as proof. Did either of your parents or partner arrive on a refugee or humanitarian visa? You will need to provide your residence status, e.g. passport or other documentation as proof. 12 Are you living permanently in Australia? 13 Have you ever lived outside of Australia? Include all countries (including Australia) where you lived on a LONG TERM BASIS since birth. Do NOT include short trips or holidays. Include all periods starting from when born until today. Please be as accurate as possible, even if you can only remember the years you lived in that country. Please give details of periods spent outside of Australia. Please give details of periods spent outside of Australia. If you need more space, please attach details on a separate sheet. If you need more space, please attach details on a separate sheet.

9 PART C About your children SS (Page 9 of 16) 14 Do you have any foster children for whom you wish to claim a Health Care Card? If you are only claiming a Health Care Card for a foster child or children in your care, please go to PART E Claim for a Health Care Card for a foster child on page 15 R PARTNER 15 Do you have any children under 19 who are dependent on you? Dependent child means a child for whom you have legal responsibility, either alone or jointly with another person for the child s day-to-day care, welfare and development. NOTE: See Dependants section on page 2 of this claim form. Go to PART D on page 10 Are your dependants the same as your partner s dependants? Go to PART D on page 10 Please answer the questions below for any of your dependants who are not also dependants of your partner. NOTE: Only children aged under 19 can be listed as a dependant on your card, though children aged 19 or over may be eligible to claim their own card. Any child who receives a Centrelink payment is not eligible to appear on a Health Care Card, but may be eligible to claim their own card. Dependants aged 16 to 18 must be undertaking secondary studies to be eligible to appear on your card. 16 Do you receive Family Tax Benefit for ALL your dependent children under 19? Any child under 19 for whom you receive Family Tax Benefit will appear as a dependant on your Health Care Card. For the child/children for whom you do not receive Family Tax Benefit, does this child/children receive an income support payment such as Youth Allowance or ABSTUDY? This child/children cannot be a dependant for this card but may be eligible to claim their own card. Go to PART D on page 10 For more information about whether you may be eligible for Family Tax Benefit, contact the Family Tax Office on or visit the website at assist.gov.au Any child under 19 for whom you receive Family Tax Benefit will appear as a dependant on your Health Care Card. For the child/children for whom you do not receive Family Tax Benefit, does this child/children receive an income support payment such as Youth Allowance, or ABSTUDY? This child/children cannot be a dependant for this card but may be eligible to claim their own card. Go to PART D on page 10 Go to PART D on page 10 Go to PART D on page 10 For more information about whether you may be eligible for Family Tax Benefit, contact the Family Tax Office on or visit the website at assist.gov.au

10 PART D Income SS (Page 10 of 16) NOTE: You must supply evidence of any income you have received in the past 8 weeks. Where you answer below you must provide the requested documents or complete additional forms. If you have not received any income in the past 8 weeks, please answer question 24 to explain how you have financially supported yourself. R PARTNER 17 Did you earn any income from employment during the past 8 weeks? Do NOT include income from self-employment. You must advise taxable income which is the amount you earned before tax. Give details AND You must provide: Payslips for the past 8 weeks; or A letter from your employer stating gross wages for the past 8 weeks; or Payslips for the weeks you worked. NOTE: Letters and payslips must have your employer s name and address on them. Give details AND You must provide: Payslips for the past 8 weeks; or A letter from your employer stating gross wages for the past 8 weeks; or Payslips for the weeks you worked. NOTE: Letters and payslips must have your employer s name and address on them. Employer s name Address Phone number ( ) ( ) Employer s name Address Phone number ( ) ( ) If more than 2 employers please attach a separate sheet If more than 2 employers please attach a separate sheet Please write NIL for any periods you did not earn any income in the past 8 weeks Were you paid: Weekly Fortnightly Week 1 Fortnight 1 Week 2 Fortnight 2 Week 3 Fortnight 3 Week 4 Fortnight 4 Week 5 Week 6 Week 7 Weekly Fortnightly Week 1 Fortnight 1 Week 2 Fortnight 2 Week 3 Fortnight 3 Week 4 Fortnight 4 Week 5 Week 6 Week 7 Gross amount you earned for the past 8 weeks Week 8 Week 8

11 SS (Page 11 of 16) PART D continued Income 18 Do you receive income from any income stream products? An income stream is a regular series of payments which may be made for a lifetime or a fixed period by a: financial institution superannuation fund Self Managed Superannuation Fund (SMSF) Small APRA Fund (SAF); or an employer subject to Australian prudential regulations. Types of income streams include: Allocated pension/annuity Immediate annuity Superannuation pension (non-defined benefit) Defined benefit superannuation pension (e.g. ComSuper pension, State Super pension) Attach the Centrelink/DVA schedule from your product provider for each income stream. For defined benefit superannuation pension please attach a letter from your provider which details product reference number, commencement date, gross income amount, frequency of payments and undeducted purchase price. R PARTNER Types of income streams include: Allocated pension/annuity Immediate annuity Superannuation pension (non-defined benefit) Defined benefit superannuation pension (e.g. ComSuper pension, State Super pension) Attach the Centrelink/DVA schedule from your product provider for each income stream. For defined benefit superannuation pension please attach a letter from your provider which details product reference number, commencement date, gross income amount, frequency of payments and undeducted purchase price. 19 Are you, or have you been, involved in a private trust? You may be, or have been: a trustee an appointor a beneficiary or have made a loan to a private trust made a gift of cash, assets, or private property to a private trust in the last 5 years relinquished control of a private trust since 1 April 2002 a life interest an interest in a deceased estate. and attach a Private Trust form (Mod PT). A separate form must be used for each trust. If you do not have this form or you require additional forms call Centrelink on or go to our website at and attach a Private Trust form (Mod PT). A separate form must be used for each trust. If you do not have this form or you require additional forms call Centrelink on or go to our website at 20 Are you, or have you been, involved in a private company? You may be, or have been: a director a shareholder or have made a loan to a private company transferred shares in a private company in the last 5 years made a gift of cash, assets, or property to a private company in the last 5 years. and attach a Private Company form (Mod PC). A separate form must be used for each company. If you do not have this form or you require additional forms call Centrelink on or go to our website at and attach a Private Company form (Mod PC). A separate form must be used for each company. If you do not have this form or you require additional forms call Centrelink on or go to our website at

12 SS (Page 12 of 16) PART D continued Income R PARTNER 21 Are you involved in any other type of business (this includes a farm) as a sole trader, a partnership or a sub-contractor? and attach a Business form (Mod F). A separate form must be used for each business. If you do not have this form or you require additional forms call Centrelink on or go to our website at and attach a Business form (Mod F). A separate form must be used for each business. If you do not have this form or you require additional forms call Centrelink on or go to our website at Does the business own any real estate? Does the business own any real estate? and attach a Real Estate form (Mod R). A separate form must be used for each property. If you do not have this form or you require additional forms call Centrelink on or go to our website at and attach a Real Estate form (Mod R). A separate form must be used for each property. If you do not have this form or you require additional forms call Centrelink on or go to our website at 22 Do you receive any rental income? NOTE: If you receive income from boarders who live with you, this should be advised at question 30. and attach a Real Estate form (Mod R). A separate form must be used for each property. If you do not have this form or you require additional forms call Centrelink on or go to our website at and attach a Real Estate form (Mod R). A separate form must be used for each property. If you do not have this form or you require additional forms call Centrelink on or go to our website at 23 Have you claimed, or are you entitled to claim, compensation or damages from an accident, illness or injury? and attach a Compensation form (Mod C). A separate form must be used for each compensation claim. If you do not have this form or you require additional forms call Centrelink on or go to our website at and attach a Compensation form (Mod C). A separate form must be used for each compensation claim. If you do not have this form or you require additional forms call Centrelink on or go to our website at 24 If you do not have any income, please explain how you financially supported yourself over the past 8 weeks.

13 SS (Page 13 of 16) PART D continued Income R PARTNER 25 Do you have any accounts with banks, credit unions or building societies (including term deposits, bonds or debentures)? Includes accounts that are: held inside or outside of Australia used on a day-to-day basis. Do not include friendly society bonds or life insurance bonds, you will be asked about these later. NOTE: ATM slips are not able to be used as proof of your bank account and balance. For every account or investment you must supply the most current statement or bank, building society or credit union passbook, or other documents which provide these details. For every account or investment you must supply the most current statement or bank, building society or credit union passbook, or other documents which provide these details. 26 Do you own any shares? This includes options, rights, convertible notes, warrants or other securities either unlisted or listed on an Australian or foreign stock exchange, as well as shares traded in exempt stock markets. You must provide the most current documents that show details of each shareholding that you have. You must provide the most current documents that show details of each shareholding that you have. 27 Do you have any managed investments? Managed investments include investment trusts, personal investment plans, life office and friendly society bonds. Do not include any conventional life insurance policies. Do not include superannuation or rollover investments. You must provide documents that show details of each investment you have (e.g. certificate with number of units or account balance). You must provide documents that show details of each investment you have (e.g. certificate with number of units or account balance). 28 Did you receive (in the last 12 months) any lump sum payment for any reason including leave entitlements, on termination of employment? Give details below AND You must provide documents showing the details of any such payments. Give details below AND You must provide documents showing the details of any such payments. Annual leave (including leave loading) Long service leave Number of working days Amount (Gross) Date Paid Number of working days Amount (Gross) Date Paid Maternity leave Sick leave Other If other please specify what the payment was for

14 SS (Page 14 of 16) PART D continued Income R PARTNER 29 In the past five years have you given away, sold for less than their value, or surrendered a right to, any cash, assets, property or income? This includes forgiven loans and shares in private companies. Give details below Give details below What you gave away or sold for less than its value (e.g. money, car, second home, land, farm) Date given or sold What it was worth What you got for it Gift made by: You Partner You Partner You Partner If more space is required attach a separate sheet with the details. 30 Do you receive any other income, such as income from: payments from government departments other than Centrelink income from boarders who live WITH you annuities regular gifts pensions from a country other than Australia; or income from a country other than Australia? Give details below AND You must provide documents which show who pays the income and how much was paid in the past 8 weeks. Gross amount paid in past 8 weeks Source of this income Give details below AND You must provide documents which show who pays the income and how much was paid in the past 8 weeks. Gross amount paid in last past 8 weeks Source of this income Answer Question 31 only if you have reached Age Pension age NOTE: See the Age Pension age section on page 3 of this claim form. 31 Do you have any money invested in approved deposit funds, deferred annuities, retirement savings accounts, or superannuation funds (including Self Managed Superannuation Funds (SMSF) and Small APRA Funds (SAF), where the fund is still in the accumulation phase and not paying a pension? Only include SMSF and SAF if the funds are still complying. You must provide the latest statement for each fund that you have. You must provide the latest statement for each fund that you have.

15 PART E NOTE: See the Foster Children section on page 2 of this claim form. Claim for a Health Care Card for a foster child SS (Page 15 of 16) 32 Are you making a claim for a Health Care Card for a foster child/children? A child can be regarded as a foster child where you provide ongoing care and the child is not your natural or adopted child. Care can be under formal arrangements (through child protection or foster care agencies) or informal arrangements (e.g. care provided by an aunt, uncle, grandparent or close family friends). Go to PART F on page 16 NOTE: To claim a Health Care Card ONLY for a foster child, please complete the questions below. However if you wish to claim Family Tax Benefit as well as a Health Care Card for a foster child you can apply for both using the Claim for Family Tax Benefit form (FAOO1). If you do not have this form call the Family Assistance Office on or go to our website at Please provide details of any foster children you have in your care for whom you wish to claim a Health Care Card. You will need to provide: legal or other documents to show that you have the day-to-day care and responsibility for the foster child/children proof of the child s identity. 33 Foster child s details Family name Given name(s) Foster child 1 Foster child 2 Date of birth Male Female Relationship to you (e.g. niece, grandchild, unrelated) What is this child s annual taxable income? Annual income is not required if child is under 5, or is a full-time student aged less than 16 Male Annual income is not required if child is under 5, or is a full-time student aged less than 16 Female 34 Is this child a full-time student? To qualify as a foster child, the child must meet certain study requirements depending on their age. If the foster child is 19 or over, they can claim their own Low Income Health Care Card. Name of child s education institution Student ID number Name of child s education institution Student ID number NOTE: This information helps us to establish your foster child s identity 35 Who cared for this child before you (if known)? Name Address Name Address When did this child enter your care? When did this child enter your care? How long will this child be in your care? How long will this child be in your care? If more than 2 foster children please attach a separate sheet with the details. Questions continue

16 PART F 36 Please read and complete the following declaration. Your Statement I declare that: the information given on this form is correct. giving false or misleading information is a serious offence. SS (Page 16 of 16) I understand that: Centrelink can make any enquiries necessary to ensure that I receive the correct entitlements. R PARTNER Your signature Date Lodging your claim what to do next 1 Check that you have answered all the questions you should have answered, and that both you and your partner (if applicable) have signed and dated this form. 2 Check the claim carefully to see that you have supplied all the documents necessary for your claim to be assessed.we need to see original documents, not photocopies. We will photocopy them for our records. If you lodge your claim by mail we will return the original documents to you by registered mail. 3 Mail or bring in this form, together with the requested documents and other forms if applicable, as soon as possible. If you have difficulty getting some documents, make sure you put your claim in, and include a note saying you will provide the documents later. 4 Please return this form to Centrelink within 14 days to ensure your claim is assessed as soon as possible. If you cannot return this form within 14 days contact Centrelink for an extension. NOTE: If you do not provide the documents requested, your application for a Health Care Card may be delayed. Privacy and personal information Personal information is protected by law, including the Privacy Act 1988 (Commonwealth). The authority to collect this information is contained in Social Security and Family Assistance law. The information you provide in relation to your claim will be used to determine your eligibility and provide payment and services to you, and where relevant, third parties. This information may also be used to detect or prevent fraud and/or recover overpayments. Centrelink usually gives some or all of your information to its Purchasing Departments (the Department of Employment and Workplace Relations, Department of Education, Science and Training and Department of Family and Community Services) and their contracted service providers (where that Purchasing Department or contracted service provider is providing payments or services to you) for the purposes of: determining eligibility for correct payment referral for appropriate assistance determining eligibility and/or suitability for employment assistance and other appropriate services. provision of services and payments evaluation and monitoring of services provided by Centrelink. evaluation and monitoring of services provided by Centrelink s Purchasing Departments or their contracted service providers recovery of overpayments. Centrelink may disclose limited information (for example, income and assets) about you to other individuals when your circumstances affect their entitlement to payments and services. Limited personal information collected from you may be used to conduct customer surveys run by Centrelink, its Purchasing Departments or by research organisations on their behalf. Your participation in customer research is valued, however if you do not wish to take part please call the Customer Research Team on Freecall (refer to the factsheet Customer Research and You for more information). Centrelink can give your information to other persons, bodies or agencies where you give permission or otherwise in circumstances where commonwealth legislation requires or authorises the disclosure. For example, Centrelink usually gives some or all or your information about income and taxation matters to the Australian Taxation Office and the Child Support Agency for their uses and purposes. You can get more information from the factsheet titled Your Right to Privacy. You can ask for the factsheet Your Right to Privacy from your Centrelink office, you can call to request a copy, or you can visit