On-demand videos
Got a burning question about your super and retirement? Take an interactive journey through what members like you are asking, and hear answers from our expert team.
Start your interactive journey nowretirement hub
Our Retirement Hub can help you with all super and retirement planning relating to your HESTA account, to help you feel ready for your next chapter.
Get in touchYour discussion with our retirement help service is included as part of your membership.
If you need extra help, including personal retirement advice or support with your Centrelink application, we'll disclose upfront any fees that would apply. You may be eligible to pay part of your advice fee from your HESTA super account, if it relates to your retirement.
Applying for the Age Pension can be tricky and time-consuming. You could also miss out on your entitlement if you’re eligible for the Age Pension but delay your application. That’s one of the reasons why we’ve partnered with Retirement Essentials: to help ease the process for you.
Retirement Essentials are experts in helping people apply for and retain the Age Pension, and they can guide you through the application process.
The best way to start is by using their free Age Pension Eligibility Calculator to work out if you could be eligible for the Age Pension, and how much you could receive.
You can also get a quick overview of how the Age Pension works here.
What's next?
- You can engage with Retirement Essentials directly to progress your application, or
- You can talk to us first about your situation and needs.
estate planning services
We’ve partnered with Estate First Lawyers to help you with all your estate planning needs. As a HESTA member, you’ll receive a discounted rate on estate planning services.
How the estate planning experts at Estate First can help
- Create or review your Will or Estate Plan
- Advice on estate planning for your super
- Asset protection for your estate
- Inheritance agreements
- Estate planning for family trusts and SMSFs
- Enduring Powers of Attorney, Medical Directives and more.
Talk to Estate First Lawyers on 1300 132 567 for more information, including costs, or to book an in-person or online appointment. Mention you’re a HESTA member when you contact them to receive the discount.
Find out more about estate planning services
Estate First Lawyers is a division of Corporate First Pty Ltd ABN 61 613 157 074.
Third-party services are provided by parties other than H.E.S.T. Australia Ltd and under the terms and conditions of those parties. H.E.S.T. Australia Ltd does not recommend, endorse or accept any responsibility for the products and services offered by third parties or any liability for loss or damage incurred as a result of services provided by third parties. You should exercise your own judgment about the products and services being offered.
Any cost for estate planning services will be paid by you directly and cannot be deducted from your HESTA account. This cost will be agreed with your prior to your direct payment of the fee. HESTA does not receive any commissions for the estate planning services.
recent rule changes that might affect you
Some government eligibility rules changed recently that might affect you:
- From 20 March 2023 the maximum full Age Pension increased $37.50 per fortnight for a single person, and $28.20 per person per fortnight for a couple. The rates for a full Age Pension for Australian residents for the period 20 March 2023 to 19 September 2023 are listed below:
- Single: $1064.00 per fortnight (approximately $27,664 per year)
- Couple (each): $802.00 per fortnight (approximately $20,852 per year)
- Couple (combined): $1604.00 per fortnight (approximately $41,704 per year)
- Couples apart due to ill health each receive the Single rate (see above), which combined is $2128.00 (approximately $55,328 per year).
- From 1 January 2023, the downsizer eligibility age reduced from 60 to 55 years and over.
- Those eligible aged 55 years or older can now choose to make a downsizer contribution into their superannuation of up to $300,000 per person ($600,000 per couple) from the proceeds of selling their home. Find out more about downsizer contributions.
- There are new income limits for the Commonwealth Seniors Health Card (CSHC). The new income threshold from 4 November 2022 is $90,000 for singles, $144,000 for couples, and $180,000 for couples separated by illness. Increasing the CSHC income threshold will allow more older Australians access to the relevant pharmaceutical and medical benefits discounts and other associated concessions that the card provides.
OR
what our members say about advice from HESTA
“Your attention to our retirement incomes over the last five years has not only been of financial benefit but also of great comfort at a time when it has been most needed… thank you for your
financial expertise.” Tricia and John, NSW
not sure what help you need just yet?
Information sessions
Our information sessions cover multiple topics and are offered across a range of dates and times. That way you can choose a session that’s convenient for you.
Register for an information session
Future Planner
Our member-only Future Planner tool helps you explore how much money you may need in retirement, how much you’re projected to have, and your options to grow your super.
Learn more about Future Planner