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You may be able to access your super if you're unlikely ever to be able to work again due to injury or illness
As super is designed to financially support you in retirement, you usually can't withdraw it until you reach the age set by the government. But you may be able to access your super balance, including any total and permanent disability (TPD) insurance you have, if you're unlikely ever to be able to work again because of injury or illness.
Permanent incapacity means you have a condition that is likely to permanently stop you from ever working again in a job you're qualified to do by education, training, or experience.
If you are permanently incapacitated, you may be able to withdraw:
You can view your account balance and insurance cover in Member Online.
There are different requirements you'll need to meet to make a claim, depending on whether you have TPD insurance.
When you make a claim, we'll ask you to provide information about your condition and occupation to help us assess your claim. This will include medical certificates from legally qualified medical practitioners.
If you are not permanently incapacitated, there are other ways you may be able to receive your super or an insurance benefit if you are sick or injured.
Learn more about the other ways you may be able to withdraw your super early.
We understand this may be a difficult time, so we aim to make the process of making a claim as simple as possible.
You (or someone else) can contact us to let us know about your situation.
We'll let you know what documents you'll need to provide and which forms to complete.
We'll help you through the claims process and answer any questions you may have.
For more information about how to make a claim, read our Permanent Disability Benefit Guide (pdf).
If we approve your claim, there are a few ways you can access your money.
Each of these options has different benefits and disadvantages, and the amount will be taxed differently depending on which you choose. A financial adviser can help you decide which option might be best for your circumstances.
If you have any questions about how to withdraw your super for medical reasons, please get in touch.