• HOSTPLUS
Super Updated 29 October 2011

Accessing super early

Part of what makes super such a great investment for your future, is the fact that you’re generally unable to access the money until you retire. 

Superannuation is about saving for your retirement, so the Federal Government has placed restrictions on when you can access it. 

Get your super when you retire

Generally, your super must be held – or preserved – in a super or rollover fund until your retirement from the workforce or after reaching your preservation age.

Your preservation age will vary between 55 and 60 years, depending on your birth date, shown in the table below.

Date of birth

Preservation age

After June 1964

60

July 1963 – June 1964

59

July 1962 – June 1963

58

July 1961 – June 1962

57

July 1960 – June 1961

56

Before July 1960

55

All payments made into your super are preserved until you reach your preservation age. Any amounts that were non-preserved benefits as at 1 July 1999 will remain non-preserved and will not increase unless you transfer or roll over other non-preserved benefits into {|HOSTPLUS|.

After reaching your preservation age you don’t have to cash your superannuation benefits if you don’t want to. You can keep your money in the fund until your death, at which point it will be paid to your dependants or legal representative.

You can also start a pension or Transition to Retirement (TTR) account with the HOSTPLUS Pension. 

Learn more about how super works.

Get your super due to financial hardship or compassionate grounds

Helping you when it counts is important to us. To ensure you can access your super quickly when you need it most, read our Financial Hardship Fact Sheet for an overview of how to apply for a financial  hardship withdrawal.

Eligibility for financial hardship withdrawals

Before we can release your super, we have to ensure you meet strict government requirements. As much as we’d like to help you, we must comply with the government requirements. 

To be eligible for early withdrawal of super due to financial hardship, you must: 

  • currently receive and have been receiving an eligible Commonwealth income support payment (as outlined below) continuously for the last 26 weeks if you are under 55 years old or for a cumulative period of 39 weeks since attaining age 55. 
  • demonstrate that you cannot meet reasonable and immediate family living expenses by providing suitable proof with your application. 

Eligible Commonwealth income support payments

Commonwealth income support payments include social security or service pensions, certain social security

 benefits and income support supplements, drought relief payments, exceptional circumstances relief payments and Commonwealth Development Employment Projects (CDEP) Scheme payments. 


To find out more, read the fact sheet or call us on 1300 HOSTPLUS (1300 467 875between 8.00am and 8.00pm, Monday to Friday.

Get your super when you leave the country permanently

If you’re a temporary resident in Australia and are leaving the country permanently, you can access your super.

Find out how


For full details about super with HOSTPLUS, please refer to our Member Guide.

    
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