Do you meet the eligibility criteria?
- You can’t pay your reasonable and immediate living expenses.
- You own less than $50,000 in “assets” (e.g. car, bank account, etc.).
You’ve been receiving government payments for at least 26 weeks in a row.
You’re under your preservation age – which is generally age 60.
How much you can withdraw
Once a year, you can take out up to $10,000 less tax, so you receive less than you apply for.
How to apply to access super for financial hardship
Before you start
Find out how tax will reduce your withdrawal, what to do if you have insurance, and more.
Use our online form
Log in and apply in Member Online. Our online application form checks your eligibility for you.
Approx. time: 15 minutes
We’ll be in touch
Our team will run checks with Centrelink (Services Australia) and your ID documents. We'll call you if we need any more information.
Approx. time: 1–3 weeks. In busy periods, this can take longer.
FAQs about super in financial hardship
If you have any trouble with the online form or have any questions about early access, please call us for help.