ato logo

Superannuation for people with a disability

Find out about superannuation rules and how to manage and access your super if you have a disability.

Last updated 6 July 2022

If you have a disability, you should be aware of the super rules that regulate when you can access your super. In some situations you can apply for early access to your super. Also, if you receive personal injury payments, it can affect the caps that apply to your super contributions.

Self-managed super funds (also called SMSFs) work like any other super fund but the responsibility of managing them rests solely with their trustee. Generally, anyone 18 years or over can be a trustee of a super fund. One restriction is if a person is under a 'legal disability', which is the term for someone who is not able to manage their own affairs and includes people who have a 'mental impairment'. Find out how to appoint your trustees or directors.

For more information, see Getting your super started.

Find out about the limits (or caps) on contributions you can make to your super in a financial year.