You usually can't take out your super until you reach a certain age and retire, but you may be able to withdraw your super account balance and any death insurance cover you have if you are terminally ill.

What is a terminal illness?

A terminal illness is a an illness or injury that is likely to result in your death within two years.

When you make a claim, we'll ask you to provide:

  • Two medical certificates confirming your illness or injury is likely to result in your death within 24 months
  • At least one of the medical certificates must be from a specialist in the area of your terminal illness or injury.

How much can I access?

If you are terminally ill, you may be able to withdraw:

  • Your superannuation account balance and/or
  • Your insurance benefit (if you have death cover through your super).

You can view your account balance and insurance cover in Member Online.

What else to consider

How to make a claim

If you have been diagnosed with a terminal illness, we understand you'll have a lot to think about, so we aim to make the process of making a claim as simple as possible.

Contact us

You (or someone else) can contact us to let us know about your situation.

Gather documentation

We'll let you know what documents you'll need to provide and which forms to complete.

We'll work with you

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 Claiming a Terminal Medical Condition Benefit factsheet (pdf).

Ways you can receive a benefit

If your claim is approved, you can withdraw money from your account tax-free for two years after your diagnosis. There are a few ways you can access your money if eligible:

  • Make regular withdrawals: You can leave your money in your Accumulation account and make withdrawals whenever you need to.
  • Take a lump sum: You can receive the full amount at once as a payment to your bank account or as a cheque.

We're here to help

If you have any questions or you'd like to get started with your claim for a terminal illness benefit, please let us know.

Contact us

1. There are various circumstances when cover will end; refer to the Accumulation Account Insurance Guide (pdf).