For early access of your super for compassionate reasons, you need to apply to the Australian Tax Office (ATO). If the ATO approves your application, you can only receive enough money to pay for your expenses. We then pay this as a lump sum from your super. The tax you pay will depend on several factors and will be deducted from your account.
You can apply for early access to cover the following expenses for you or a dependant
Conditions for early super release
If you need help paying for these expenses, you need to meet these conditions:
If aged 60 or above, you will not be taxed.
If you are under 60 , any lump sum payments will be taxed at 22%.
You may be able to withdraw a lump sum from your super without paying tax. To do so, you will need to meet a condition of release related to your age and working status.
Follow these steps. Make sure you provide all the information to get your money as soon as possible.
1. Check you meet the ATO conditions listed above to access your super early
2. Get your documents together for the ATO
Go to the Australian Tax Office website to find out what you need to provide as proof to support your claim.
3. Complete and submit your form to the ATO
You can apply online through myGov. Log in to your account, go to Your services and select Australian Tax Office. Click the Super dropdown menu, select Manage, then Compassionate release. If you can’t apply online, you can call the ATO on 13 10 20 to request a paper application.
ATO approval times
The ATO can take up to 14 days to process your online application, or 28 days for a paper application. They may contact you during this time for more information. If the ATO approves your application, they will contact you by phone. You will also receive an email letting you know of a letter in your myGov Inbox. The ATO will also tell us your application is approved.
4. Apply to Aware Super for the release of your money
Once you have approval from the ATO, you need to request the release of your money, you can complete your application You can apply via Member Online.
You will need to have the following.
If you need help completeing the form, contact us.
5. Prove your identity
Before we can release your money, we need to verify your identity.
Providing proof of ID electronically
Some of our forms allow you to provide your proof of identity electronically. You’ll need to use two government-issued identification documents.
These can include your
The information we need to verify your documents
The documents you provide must match the details we have for you in our records. If the details don’t match, or the documents you provide are out-of-date, we won’t be able to use the documents to verify your identity. You will need to provide a certified copy of your current documents.
See a full list of government identity documents and authorised persons
When to expect payment
Once we receive your application, we will verify your approval letter with the ATO. We will contact you if we need any more information. Once we have all your correct information, allow 3-5 business days for us to process your application and transfer your money. This may vary depending on your bank’s processing times.
Alternatively you can contact us or complete the Application for early release on compassionate grounds (PDF, 361kB) to complete your application. Any PDF forms need to be printed and posted to us. Allow at least 10 business day for processing once they've been received by our team.