Disability Access to Superannuation (Invalidity)
If a permanent disability prevents you from working, you may qualify to access your superannuation balance early on the grounds of permanent incapacity. We help you through the application process.
98.4% success rate
500+ clients assisted
$100M+ recovered
Who Is Eligible?
What is Disability Access to Super?
Disability access to superannuation (also called permanent incapacity or invalidity release) allows you to withdraw your accumulated super balance early if you are permanently unable to work. This requires certification from two qualified medical practitioners and approval from your fund trustee. It is separate from — and can be claimed in addition to — a TPD insurance payout.
The 3 Stages of Approval
Eligibility Assessment & Medical Certification
We help you obtain two qualifying medical opinions and prepare supporting documentation.
Trustee Application & Communication
We lodge your application with the fund trustee and manage all follow-up communications.
Super Balance Released
Once approved, your accumulated balance is released. We coordinate with financial advisers on tax treatment and Centrelink implications.
Why Professional Support Is Important
The permanent incapacity test requires specific medical certification from two qualified practitioners, and fund trustees apply their own assessment criteria. Applications with incomplete or inconsistent evidence are commonly rejected. We ensure your medical evidence meets the legal standard, your application is structured correctly, and any trustee queries are handled promptly.
Q. Is this the same as a TPD claim?
No. TPD is an insurance payout from a policy held within your super. Disability access releases your accumulated super balance itself. If you have both, you may be eligible for both payouts.
Q. Will accessing my super early affect Centrelink?
Potentially. A large lump sum may affect your assets test for Centrelink payments. We recommend financial advice to understand the full impact before proceeding.
Q. Do I need two doctors to certify?
Yes. Australian superannuation law requires two qualified medical practitioners to certify that you are unlikely to ever work in a role suited to your education, training, or experience.
This guide was reviewed for medical and insurance accuracy by ClaimRight Advocacy Team.
Read our 150+ Reviews