COVID-19 and your super

Find out more about how we can support you (or your employees) if your super or pension was impacted by COVID-19.

Many hardworking Australians have been financially impacted due the COVID-19 global pandemic. While Australia is on the road to recovery, we are still facing some uncertainty as a community as we rebuild and adjust.

We’ve been supporting our members through the ups and downs for more than 30 years, and we’re still here to help you reach a comfortable, financially secure retirement.

If made redundant

Super members

Rebuilding your super after COVID-19

If you accessed your super early last year or had a break in super contributions and are now ready to look at boosting your super, our team is here to help.

Start with our guide to rebuilding your super balance. Then, give the Helpline team a call to talk through your options and develop a personalised contribution strategy.

And if you did access your super last year, please ensure you’ve read this important information regarding the potential impact on your insurance cover and account.

Recontribution of COVID-19 early release payments

The recontribution of COVID-19 early release amounts into superannuation measure has been introduced to help you rebuild the balance you withdrew early in 2020. This means you will be able to recontribute the amount to your super without this counting towards your annual after-tax contributions cap. You can make these contributions between 1 July 2021 and 30 June 2030.

You can choose to access the measure by completing and sending us the ATO’s approved form. If you aren’t approaching your after-tax contributions cap, it may not be necessary to complete the form. You should consider whether this is right for your situation and may want to consult a financial adviser or tax agent.

For more information, head to the Recontribution of COVID-19 early release payments page or call the Helpline on 1800 640 886.

Ongoing financial hardship

While Australia is on the road to economic recovery, some industries were more significantly impacted, and continue to be, by ongoing case numbers and restrictions. Everyone's financial situation is different.

The ATO is no longer accepting applications for early release of super due to COVID-19.

If you are experiencing financial hardship, you may be able to access your super on other grounds. Please see the Accessing your super page for details or call the Helpline team to talk through your options.

Financial decision making

MoneySmart have developed a step-by-step program to help people with a variety of financial decisions due to COVID-19. Topics include accessing your super, financial assistance, debts and mortgages, and financial assistance.

We're here to help

If you have any questions about how your super or insurance cover may have been impacted by early access, want to discuss options to boost your balance, or have any other questions about your super, please call the Helpline on 1800 640 886.

Pension members

In March 2020, the Federal Government temporarily reduced minimum annual pension drawdown amounts. These reductions have been extended for the 2021-22 financial year to 30 June 2022. Please see the Pension payments page for full details of the drawdown amounts that currently apply.

If you have any questions about the minimum drawdown change or your pension account generally, please call the Helpline team on 1800 640 886.


If your employees were financially impacted during COVID due to reduced hours – and therefore reduced super contributions – our team can help. We can visit your workplace and talk to your employees about how to boost their super savings and get their retirement income back on track.

Depending on restrictions and health guidelines in your local area, or your workplace COVID plan, the team may not be able to visit you in person; where we can’t come out to see you, the team is able to provide education session via video/webinar.

Contact your local Business Development Manager to discuss your options and arrange a visit.