You may be eligible for an early release of superannuation to pay for palliative care expenses for yourself or a dependant.
If you are eligible you can apply for the early release of your superannuation benefits for palliative care expenses.
You may be eligible for an early release of superannuation for palliative care expenses if:
- you or your dependant has a terminal illness
- you or your dependant need assistance paying palliative care expenses, and
- you can’t afford to pay for the expenses without accessing your superannuation
If you are terminally ill, you can apply directly to your superannuation fund for the early release of your superannuation. You do not need to submit an application to us. You should contact your superannuation fund for more information.
You will not be eligible for an early release of superannuation for palliative care expenses if you or your dependant:
- has a medical condition which has not been diagnosed as a terminal illness, or
- are unable to work due to terminal illness and you need assistance to pay living expenses
Palliative care expenses
You need to provide a report from a registered medical practitioner who has treated you or your dependant for a medical condition which states:
- that the medical condition is a terminal illness
- palliative care is needed, and
- how long the palliative care will be needed
The report needs to:
- clearly show the medical practitioner’s qualifications
- be signed and dated, and
- be no more than 6 months old
Evidence of dependency
Read more about who is considered a dependent and evidence needed if you are applying for an early release of superannuation to meet expenses for a dependant.
Quotes or unpaid invoices
You need to provide quotes or unpaid invoices from relevant service providers that show the amount needed to pay for the palliative care expenses.
The quotes or unpaid invoices must:
- show any amounts claimable through private health insurance and Medicare, and
- be within the relevant timeframe - quotes can be no more than 6 months old and unpaid invoices no more than 30 days old
Maximum release amount
The maximum amount that can be considered for release within a 12 month period is the amount equal to 12 months of palliative care expenses.
What you need to do
To apply for an early release of superannuation for palliative care expenses you need to:
- complete an online application using your Centrelink online account through myGov
- provide an Early Release of Superannuation on Specified Compassionate Grounds Report by Medical or Dental Practitioner or Specialist form completed by a relevant registered treating medical practitioner
- confirm your identity, and
- provide all supporting documents requested in the online application
Read more information on how to apply.