Date last modifed: 10 October 2018
There are very limited circumstances when you can access your Super early. These circumstances are mainly related to severe financial hardship or compassionate grounds.
Always seek financial advice before withdrawing money from your Superannuation fund.
Accessing Super due to severe financial hardship
You may be able to withdraw some of your Super if you have received eligible government income support payments continuously for 26 weeks and are unable to meet reasonable and immediate family living expenses.
- Family Tax Benefit is not an income support payment.
- Non-protected Special Category Visa-holders are eligible for some Centrelink payments after living in Australia continuously for at least 10 years.
Accessing Super on compassionate grounds
Citizens and Permanent Residents of Australia or New Zealand may be allowed to withdraw some of their Superannuation or KiwiSaver on compassionate grounds for unpaid expenses.
Compassionate grounds include:
- medical treatment and medical transport for you or a dependent
- palliative care for you or a dependant
- making a payment on a loan or council rates so you don’t lose your home
- modifying your home or vehicle, or buying disability aids for you or a – dependent because of a severe disability
- expenses associated with a death, funeral or burial for a dependent.
Thank you for your support.