Restrictions are placed on when super savings can be accessed. Depending on your employment status, you may be eligible to preserve your super benefit.

Only eligible employers can contribute to CSS, but that doesn’t mean you have to exit the scheme when changing jobs.

If you cease eligible employment, rather than withdrawing your benefit, you may be entitled to leave your balance preserved in CSS for payment at a later date.

You can access your deferred benefit when you reach your minimum retiring age, usually 55 for CSS members. Your benefit can be withdrawn earlier if you become an invalid or die (if you die, your benefit will be paid to your eligible dependants or estate).

Your deferred benefit must be paid to you when you turn 65.

A deferred invalidity benefit is payable if you preserve your super but retire because a permanent medical condition is likely to stop you working again.

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