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.
- under the transition to retirement rules (if you are eligible), while you continue to work.
- 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 ato.gov.au to find out more.
Financial hardship
If you are experiencing financial hardship, please contact the Department of Human Services (DHS) on 1300 131 060 to determine your eligibility for early super accessing.
Temporary resident
If you are permanently departing Australia, you may withdraw your super, but a higher tax rate will apply. Make sure you claim your benefits within 6 months of departure, as Hejaz is now required to transfer your 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.