Early release of superannuation

A way to get some of your super before retirement age only if there are compassionate grounds.

Early release of super is only for unpaid costs. You can’t get it if you’ve already paid – even if you used a loan, a credit card or money from family or friends.

Eligibility

Who can apply

You can only apply to get your superannuation released early for a few reasons.

Read more about how can apply to release their superannuation early

Financial impact

If you release your superannuation early, it may impact the amount of other payments you get.

Read more about the financial impact releasing your super early can have

Grounds for early release

You normally can’t use your super until you reach preservation age. In rare cases your super fund may let you have some of the money early.

Read more about early release of superannuation

Early release of super to help a dependant

You can apply for early release of super to help your partner, child or other dependant. It must be for compassionate grounds.

Read more about dependency requirements

Compassionate grounds

About compassionate grounds

We can approve early release of some super if you have compassionate grounds for needing it.

Read more about compassionate grounds for 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.

Read more about medical compassionate grounds

Mortgage

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

Read more about mortgage compassionate grounds

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.

Read more about disability compassionate grounds

Palliative care

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

Read more about palliative care compassionate grounds

Funeral

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

Read more about funeral compassionate grounds

Applying

Before you start, check:

  • who to apply to
  • if you’re eligible

To apply to your super fund, contact them directly.

To apply to us:

  • find out what you need
  • fill in your form
  • submit your form and documents
  • wait for us to tell you the result

Next

Resources

Contact us

Call the early release of super line between 9 am and 5 pm AEST, Monday to Friday.

Call the Multilingual Phone Service to speak with a skilled bilingual service officer.

If you have a hearing or speech impairment, call the TTY service.

Payment and Service Finder

Find, estimate and compare payments and services you may be eligible for. You can also work out what a change in circumstance might mean for the payments and services you currently get from us.

Start using Payment and Service Finder

Manage your money

 

We’ve got advice and tools to help you with budgeting, borrowing and credit, and managing debt.

Read about how to manage your money.

Page last updated: 13 October 2017