When you can legally access your super

Generally, you can only access your super when you reach preservation age and stop working.

Currently, in Australia, the preservation age is 55 years old for those born before 1 July 1960. It then increases gradually. For anyone born after 30 June 1964, the preservation age is 60 years old.

There are some special circumstances where you can legally access your super early. These include specific medical conditions or when you are experiencing severe financial hardship.

To find out if you're eligible to access your super early or for a copy of the application form:

  • contact your super fund
  • refer to Early release of superannuationExternal Link on the Department of Human Services website – they administer access to super benefits under specific compassionate grounds or severe financial hardship.

Remember, you do not need to pay an application fee to anyone to legally access your super early.

For more information about when you can and can't access your super early:

See also:

    Last modified: 01 Sep 2016QC 18810