The conditions for accessing your super vary depending on your age and circumstances. Normally you can access super when you reach your preservation age and retire, or when you reach age 65. Your preservation age is based on your date of birth and ranges from 55 to 60 years.

You may also be able to access your super early in certain circumstances, such as severe financial hardship, compassionate grounds, or permanent incapacity. There are also specific conditions for accessing super for those who are terminally ill.