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3 Different Legal Ways for You to Access Your Super Early

Superannuations are designed to ensure that you would get the fruit of all your hard work by the time that you retire. You will never have to worry about finding a reliable source of cash once you reach your ripe old age, as your contributions during your adult working days will be added to the amount that you will be receiving once you’re old.

Now, as clear as the regulations of the super may be, there is a technicality that will prevent you, the contributor, from accessing the funds even before you retire. Trying to do that is not only against the contract pertaining to the financial plan, but it is also illegal. However, there may come a time when you, the contributor, may experience a lack in your bank account.

Whatever the reason may be, you need cash and have no other choice but to access your super, even if you are not a retiree yet. If you want to do that without breaking the law, you may have to follow a few workarounds that will let you get hold of your supers as early as now.

We have listed down a few recommendations to help you achieve just that:

1. Early Access Due to Illness or Death

The law may be strict when it comes to supers, but it is also compassionate when it comes to the health conditions and well being of its citizens. Accessing it on compassionate grounds is viable, as long as you can prove that you will need the money for the treatment of a medical condition or to tend to the death of a loved one.

As with any contract agreement, you must present all the needed paperwork proving all these circumstances so that you will not encounter any difficulty in getting that needed approval.

2. Early Access Due to Severe Lack of Financials

You wouldn’t have to worry about accessing the funds early if you can also prove that you are in need of financial assistance. Poverty is one condition that many super providers are very much aware of, and they would not let any of their clients reach that point, as it may also be disadvantageous on their part.

In such a case, you must prove that you have received eligible government income support payments continuously for 26 weeks straight, and you cannot provide even the most basic needs of your family.

Such prerequisites will be able to let your providers know that your current financial condition is already dire and in need of more assistance.

3. Early Access Due to Temporary Incapacity

Temporary incapacity is quite broad if you think about it, but it basically means that you are not able to work and provide for your family due to an illness or an injury. In such a case, you are allowed to access your supers, as long as you will still provide the needed paperwork to show that you are indeed in need of the cash to treat your condition and provide for your loved ones.

Aside from the fact that there wouldn’t be any special tax rates for a super withdrawal due to your incapacity, you may also get to enjoy a couple of the insurances with it, so long as you will coordinate that with your provider.


Supers usually require their contributors to retire before accessing the funds, as mandated by the law. However, there will always be exemptions to specific rules, which is the case with this type of financial plan.

If you can prove that you require cash due to a health condition, severe poverty, or temporary incapacity, you may very much get access to it after being approved, along with the other benefits that go along with it.

Coordinate with your provider if ever something comes up, and be ready to present all the needed requirements so that the process will be as hassle-free as possible.

If you need a well-trusted finance and insurance consultant, look no further than our experts of Swell Financial Planning. We offer various financial services, including investment, insurance, budgeting, cash flow, and other things. Contact us today!


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