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Accessing your super early

Please note that applications under the COVID-19 Early Release of Super scheme are now closed.

Visit our COVID-19 hub for more information.

You can usually access your super when you reach your preservation age and retire or meet another condition of release set by the government. But you may be able to access your super earlier in some circumstances, such as: 

  • Severe financial hardship 
  • Compassionate grounds 
  • Permanent departure from Australia 
  • Diagnosed with a terminal illness or permanent disability 
  • Balance under $200. 

Financial hardship 

If you’re experiencing severe financial hardship, contact us on 1300 467 875 to apply to access your super. 

Eligibility 

The rules for accessing your super due to severe financial hardship depend on your age. 

Under your preservation age 

You can apply to withdraw between $1,000 and $10,000 from your account if you’re:

  • receiving an eligible Commonwealth income support payment from either Centrelink or the Department of Veterans’ Affairs (DVA) for the last 26 consecutive weeks, 
  • unable to meet reasonable and immediate living expenses, and 
  • able to provide evidence of debts and expenses to support your application. 

If you have less than $1,000 in your account, you can withdraw the full amount.  

Download the Financial Hardship (under preservation age) fact sheet (PDF, 189KB) for more details.

If you’ve met your preservation age  

You can withdraw some or all of your super if you: 

  • have received a Commonwealth income support payment for a cumulative period of 39 weeks since reaching your preservation age 
  • are not working at the date of application. 

Download the Financial Hardship (reached preservation age) fact sheet (PDF, 171KB) for more details.

Compassionate grounds 

You can apply to the Australian Tax Office (ATO) to access your super to pay for:
  • medical treatment or palliative care for you or a dependant 
  • modifications to your home or vehicle to accommodate severe disability for you or a dependant
  • mortgage repayments so you don’t leave your home
  • funeral costs for a dependant. 

Apply to the ATO  

Once the ATO approves your application, we’ll need some documentation before we release your funds. Please call us on 1300 467 875 to request these forms. 

Download the Access your super on compassionate grounds fact sheet (PDF, 89KB)

Terminal illness or permanent disability 

If you’ve been diagnosed with a terminal illness or permanent disability, you may be able to access some or all of your super and any insurance benefits you may also qualify for (if you have cover).  

Call us on 1300 467 875 to apply. 

See more about insurance claims 

Temporary resident leaving Australia 

If you’ve worked in Australia on a temporary visa, you may be able to withdraw your super when you leave as a Departing Australia Superannuation Payment (DASP). 

Learn how to claim the DASP 

Balance under $200 

You can withdraw your super if you have under $200 in your account and: 
  • your employment is terminated, or 
  • it’s a lost super account. 

Contact us on 1300 467 875 to apply.  

If you have multiple super accounts with small balances, consider consolidating them into one to help grow your retirement savings.  

See more on consolidating your super 

We’re here to help 

If you have any questions about accessing your super or would like to discuss your options, call us on 1300 467 875 or get in touch online

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This website is issued by Host-Plus Pty Limited ABN 79 008 634 704, AFSL 244392 as trustee for the Hostplus Superannuation Fund (the Fund) ABN 68 657 495 890, MySuper No 68657495890198. Hostplus Self-Managed Invest (SMI) is issued by Host-Plus Pty Limited ABN 79 008 634 704, AFSL 244392 as trustee for the Hostplus Pooled Superannuation Trust (PST) ABN 13 140 019 340. It contains general advice only and does not take into account your personal objectives, financial situation or needs. You should consider if this information is appropriate for you in light of your circumstances before acting on it. Please read the relevant Hostplus Product Disclosure Statement (PDS) or Hostplus SMI PDS before making a decision about Hostplus. For a description of the target market, please read the Target Market Determination (TMD), available at hostplus.com.au. You can view detailed disclaimers here. Hostplus has engaged Industry Fund Services Limited (IFS) ABN 54 007 016 195, AFSL 232514 to facilitate the provision of personal financial advice to members of Hostplus. Advice is provided by financial planners who are Authorised Representatives of IFS. Fees may apply for Comprehensive Financial Advice, further information about the cost of comprehensive advice is set out in the relevant IFS Financial Services Guide, a copy of which is available from your financial planner. Hostplus has engaged Link Advice Pty Ltd ABN 36 105 811 836, ASFL 258145 to facilitate the provision of limited personal financial advice to members of Hostplus via the web-based product Super Adviser.