About compassionate grounds for early release of super

We can approve early release of some super if you can meet one of the specific compassionate grounds for needing it.

What compassionate grounds are

Compassionate grounds are:

  • Medical – pay for treatment or travel to treatment
  • Mortgage – stop the bank from selling your home
  • Disability – modify your home or car
  • Palliative care – for you and a dependant
  • Funeral – for a dependant

Who can apply

You must:

  • be an Australian or New Zealand citizen or permanent resident
  • need the money on compassionate grounds
  • have no other way to pay

If you’re in an exempt public sector super scheme we can’t approve early release of super.

Medical

You may be able to get early release of super to pay for medical treatment or travel to medical treatment.

You must have:

  • a life-threatening illness or injury
  • acute or chronic pain
  • acute or chronic mental illness

You must show that:

  • you can’t get the treatment through the public health system - this isn't required for travel to medical treatment
  • you can’t pay any other way, such as using savings or selling assets

Who you can get it for

You may be able to get early super to pay these costs for your partner, child or other dependant.

Read the rules about early release of super for a dependant.

How much you can get

We can let your super fund release enough money to cover reasonable costs. We use quotes and invoices to work this out.

What if  you don’t have enough in super

If the amount you need is more than you have in super, you must show us how you’ll pay for the rest.

Mortgage

You may be able to get early release of super if a lender threatens to sell your home.

You can only do this if:

  • it’s your main home
  • you’re legally responsible for the mortgage
  • you can’t pay any other way, such as using savings or selling assets

You can’t apply for early release of super for anyone else’s mortgage, even a dependant’s.

How much you can get

We will only let your super fund release enough money to stop the lender selling your home.

The most you can get from 1 fund in 12 months is:

  • 3 months of repayments, and
  • 12 months of interest on the balance of the loan

We will only release what the lender requires, which may be less than the maximum amount.

What if you don’t have enough in super

If the amount you need is more than you have in super, you'll need to either: 

  • reduce the arrears, or
  • provide a letter from the lender confirming they will accept the amount available in super to stop the sale of the home

Disability

If you have a severe disability you may be able to get early release of super to modify your home or car or buy disability aids.

The modifications must be to:

  • your main home, or
  • a car you own

You must show that you can’t pay any other way, such as using savings or selling assets.

What may be different

If you rent your home, the landlord must agree in writing to the modifications.

Who you can get it for

You may be able to get early release of super to pay these costs for your partner, child or other dependant.

Read the rules about early release of super for a dependant.

How much you can get

We can let your super fund release enough money to cover reasonable costs. We use quotes and invoices to work this out.

What if you don’t have enough in super

If the amount you need is more than you have in super, you must show us how you’ll pay for the rest.

Palliative care

You may be able to get early release of super to pay for palliative care.

Palliative care for you

Apply straight to your super fund for early super to pay for your own palliative care.

They can release the money when you have a terminal illness. You won’t pay tax on this money.

We can also approve your early release of super, but you’ll pay tax on it.

Who you can get it for

Apply to us for early release of super if your partner, child or other dependant:

  • has a terminal illness
  • needs help paying for palliative care
  • can’t pay any other way, such as using savings or selling assets

Read the rules about early release of super for a dependant.

How much you can get

We can let your super fund release enough money to cover reasonable costs. We use quotes and invoices to work this out.

Funeral

You may be able to get early release of super to pay for a partner, child or other dependant’s funeral.

You must show that you can’t pay any other way, such as using savings or selling assets.

Read the rules about early release of super for a dependant.

How much you can get

We can let your super fund release enough money to cover reasonable costs. We use quotes and invoices to work this out.

Funeral costs include the funeral service and the headstone. They don’t include an event like a wake.

How to apply

Apply to us.

Page last updated: 8 November 2017