when life doesn't go as planned


You can access your super early if you’ve been diagnosed with a terminal illness


Even though we all aim to live a long and healthy life, things don’t always go to plan. If you’ve been diagnosed with a terminal illness, there are a lot of things to consider. Accessing your super early is one of them. It can help ease any money worries you and your family might face at an already tough time.

Normally you can only access your super once you’ve reached your preservation age and meet a condition of release, such as retiring from the workforce or turning 65. However, Australian superannuation law allows for the full release of your super if you’ve been diagnosed with a terminal illness and have less than 24 months to live.


What do I need to do?

  1. You’ll need to provide two separate medical certificates to your super fund confirming your illness or injury is likely to result in your death within 24 months of the certificate dates. You can either contact us to obtain the forms or download them from our website.
  2. At least one of the medical practitioners must be a specialist in the area of your terminal illness or injury.

You can choose to access all or some of your super after being diagnosed with a terminal illness. Withdrawals are taken as a lump sum and are tax free.


What about my insurance?

Most of our members have Death Cover which upon death is paid to your spouse, a dependant or your estate as a lump sum.  You can also claim your Death Cover if you are diagnosed with a terminal illness.

If you don’t want to claim your insurance cover at the same time you claim your super under terminal illness, you will need to leave funds in your account to continue to meet the insurance fee of your Death Cover.

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Access your super early

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