While super is designed to support you when you reach a certain age and retire, there are some circumstances where you may be able to access it early.

Access super for financial hardship

Financial hardship

You may be able to access your super early if you're facing financial hardship.

Compassionate grounds

You may be able to withdraw some of your super to pay for things like funeral or medical expenses.

mother father and baby

Withdraw super for medical reasons

Permanent incapacity

If you’ve suffered a permanent disability that makes you unable to work again, you may be able to access a permanent disability benefit.

Terminal illness

If you are diagnosed with a terminal illness, you may be able to access a terminal illness benefit.

older woman hugging younger woman

Other ways to access super early

First Home Super Saver (FHSS) Scheme

First home buyers can make contributions to their super, then withdraw the contributions for a deposit to buy or build a home.

Temporary residents and super

If you moved to Australia as a temporary resident, you may be able to access your super when you leave.

couple reviewing paperwork

Do you have a valid form of ID?

If you need to access your super early, we'll ask for a valid form of identity (ID). Your protection is our top priority, so we need to be sure it's really you who's asking for your super.

Prove your identity

Comparing early access options

Each option for accessing your super early allows you to withdraw a different amount for a different reason, subject to the relevant eligibility criteria.

Early access option Eligibility criteria How much
Financial hardship Financial $1,000 - $10,000 based on needs
Compassionate grounds Financial and/or medical ATO decides amount based on needs
Permanent incapacity Medical Full balance (including insurance) - less any tax
Terminal illness Medical Full balance (including insurance)
First Home Super Saver (FHSS) Scheme First home buyers $50,000
Temporary residents leaving Australia Temporary residents Full balance (less tax)

Get financial advice

Withdrawing your super before you retire is a serious decision, so you may wish to seek financial advice.

Find out more