If you’re dealing with a serious illness or injury, you may be able to access super early.

“I’m facing a terminal illness before preservation age. Can I access my super?”

If you’ve been diagnosed with a terminal illness, or suffered a life threatening injury, you may be able to access your super early.

It doesn’t matter if you’ve reached your preservation age or not.

The benefit is tax-free, and can be paid out as a lump sum or in smaller amounts over time.

If you have any level of insurance cover with us, you may also be entitled to receive a terminal illness benefit.

We’re here to help, so if you do need your super early, contact us directly.

What you need to know:

  • To access your super due to terminal illness, you’ll need to provide two certificates from registered medical practitioners with a prognosis confirming that you have 24 months or less to live.
  • If you are making a claim on insurance, your policy may state that your terminal certification period is less than 12 months.
  • At least one of your practitioners needs to be an expert in your condition or illness.
  • For a full explanation of the process and conditions, refer to the Member Booklet Supplement - Insurance relevant to your membership.


I want to speak to someone about my situation

“I had an accident that has left me physically unable to continue my work. What are my insurance options?”

This depends on whether you have any kind of insurance cover as part of your membership.

If you have total and permanent disablement insurance and your cover was active at the time of the accident, you may be eligible to receive a benefit, subject to our insurer’s conditions.

The benefit is paid out as a lump sum, and the amount will depend on your level of cover.

Don’t despair if you don’t have cover as you can apply for early access to your super on compassionate grounds in certain circumstances. 

For an overview of the application process, refer to the fact sheet.

Tell me more about total and permanent disablement cover

“I need medical treatment for a life-threatening illness. I don’t have health cover. Can I access my super to pay my medical expenses?”


Medical treatment for physical or mental conditions can be expensive, and it can be stressful wondering how you can pay for it, plus medications and the travel to and from hospital.

However, sometimes we can release super under compassionate grounds, subject to conditions from the Department of Human Services.

The rules around compassionate grounds apply if you, or anyone who is financially dependent on you, meet the eligibility criteria.

You’ll need to apply directly to the Department of Human Services, but you can talk to us any time about what you need to do next.

What you need to know:

  • You will have to prove that you or your dependents have no other way to pay for the medical treatment, including your savings or assets.
  • You’ll need medical evidence to show that you or your dependents are experiencing a life-threatening illness or injury; or acute or chronic physical or mental illness.
  • You can only access your super to pay for treatment that is not available through the public health system.

I want to access my super on compassionate grounds