Thank you for that. That was an interesting breakdown. I'm becoming more and more convinced that OTP is just another break, another pathetic break. Also that there's no real baddies out there who want to hack into your account. It's just the government creating this fear. I'm sick and tired of triangulating with my phone. I just want one password to get in. I don't even want to log out. I want all the websites access on my computer at all times. Is that too much to ask? That's my first gripe for today.

Understood. Here’s a clear breakdown of what you need to do to withdraw your super under severe financial hardship:

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Severe Financial Hardship – Super Withdrawal Cheat Sheet


Basic Eligibility Criteria


You can access your super early if all of these apply:

  1. You’ve been on an eligible Centrelink payment (like JobSeeker or DSP) for at least 26 continuous weeks.

  2. You cannot meet immediate and reasonable living expenses.

  3. You haven’t made a withdrawal on this ground in the past 12 months.

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Required Documents Checklist

  • Proof of Centrelink payments (Confirmation letter or Income Statement)

  • Bank statements (to show financial difficulty)

  • Bills or overdue notices (rent, electricity, medical, etc.)

  • Photo ID

  • Super fund application form (Get this from your super fund)

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Exact Steps to Take


Step 1: Contact Your Super Fund


Ask:

  • “Do you allow early access under severe financial hardship?”

  • “Can you send me the specific form and list of documents you require?”


Tip: Some super funds have their own portal; others require paper forms.


Step 2: Get a Centrelink Confirmation Letter


Go to MyGov → Centrelink → Request a Letter

Choose: “To support early release of superannuation (26 weeks hardship)”


OR call Centrelink and ask them to email/fax it directly to your super fund.


Step 3: Complete Application

  • Fill in the form (paper or online)

  • Attach required documents (including Centrelink letter)

  • Explain your financial hardship clearly and directly

  • Submit via email, online portal, or post—whatever your fund accepts

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Key Notes

  • Withdrawal limit: Minimum $1,000 – Maximum $10,000 (per 12 months)

  • Tax may apply depending on your age and fund

  • Payments are typically processed within 10–20 business days

  • Some super funds might require a statutory declaration—check first

Want me to write a direct message to your super fund or help you fill the form?


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