Accessing super

When can I access my super?

Usually, you can access your super once you reach your preservation age, which depends on when you were born.

Date of birth Preservation age
Before 1 July 1960 55
1 July 1960 – 30 June 1961 56
1 July 1961 – 30 June 1962 57
1 July 1962 – 30 June 1963 58
1 July 1963 – 30 June 1964 59
From 1 July 1964 60


You can also receive your super benefits if you:

  • reach the age of 65
  • leave your employer on or after age 60
  • retire earlier due to disability
  • are diagnosed with a terminal medical condition.

Compassionate grounds

Under very specific circumstances, the Australian Taxation Office (ATO) can approve your request to release your super before you reach retirement. These include essential medical treatment or travel to receive treatment, mortgage default, modifications to your home or car, palliative care for you or a dependent, or payment of the funeral for a dependent. Please contact the ATO directly on 13 10 20 or visit to find out more.

Financial hardship

If the client is experiencing financial hardship please have them call the Department of Human Services (DHS) on 1300 131 060 to determine their eligibility.

Temporary resident

If the client is permanently departing Australia they may withdraw their super, but a higher tax rate will apply. Make sure they claim their benefits within 6 months of departure, as Hejaz is now required to transfer their super benefit to the Australian Tax Office (ATO) after that period. This does not apply to Australian or New Zealand citizens, permanent Australian residents or people holding an Investor Retirement (class 405) visa or a Retirement (class 410) visa.

Updated on March 8, 2022

Was this article helpful?

Related Articles