Withdrawing your super
Super is a long-term investment and under the law is generally payable when you reach your preservation age and permanently retire from the workforce, or if you become totally and permanently disabled or die. There are other circumstances, such as compassionate grounds, under which you may be able to access some of your benefit earlier.
When can you withdraw your super?
- When you reach retirement age (generally 65)
- When you cease employment on or after age 60
- If you retire on or after your preservation age
- If we have approved your invalidity retirement and certified that you are entitled to receive invalidity benefits under the PSSap
- If you suffer severe financial hardship or are eligible on compassionate grounds as determined by Government rules (conditions apply)
- If you change jobs and your account balance is $200 or less
- If you reach your preservation age and intend to continue working, but in this case you can only access your super as an income stream, or
- If you are a foreign national who has permanently left Australia after having been a temporary resident on a specified class of visa.
See our
product disclosure statement and
withdrawing your super fact sheet for more information about:
- retrenchment, resignation or dismissal
- divorce or separation
- retirement
- transition to retirement
- transfers to an eligible rollover fund (ERF)
- financial hardship or specified grounds.
Preservation age
| For persons |
Period |
Age |
| Born before |
1/7/1960 |
55 |
| Born between |
1/7/1960 to 30/6/1961 |
56 |
| Born between |
1/7/1961 to 30/6/1962 |
57 |
| Born between |
1/7/1962 to 30/6/1963 |
58 |
| Born between |
1/7/1963 to 30/6/1964 |
59 |
| Born after |
30/6/1964 |
60 |
