Retirement is a time of new possibilities and rich experiences.

It’s all a question of getting organised with your finances. How do you want to live? What do you dream of doing? How can you achieve those dreams? Whether retirement is fast approaching or a few years away NGS Super can provide the guidance you need, from growing your super in the years leading to retirement to planning the right type of pension.

Claiming Your Super

There are three types of benefits:

  • Preserved
  • Restricted non-preserved
  • Unrestricted non-preserved

Preserved Benefits

The preserved amount is that part of your benefit which by law must be kept in a superannuation fund until you meet a conditions release.

These include (but are not limited to) where you:

  • reach your preservation age (see table below) and retire,
  • cease employment on or after age 60, or
  • reach age 65.


Your date of birth Preservation Age
Before 1 July 1960 55
1 July 1960 – 30 June 1961 56
1 July 1961 – 30 June 1962 57
1 July 1962 – 30 June 1963 58
1 July 1963 – 30 June 1964 59
After 30 June 1964 60

You can access your preserved benefits if you:

  • have less than $200 in your super account,
  • suffer from total and permanent disability,
  • use a transition to retirement strategy to open an account-based pension,
  • apply under severe financial hardship or other compassionate grounds,
  • are not an Australian resident who is leaving Australia, or
  • die.

Restricted Non-Preserved Benefits

If you received contributions from your employer prior to 1 July 1999, you may have benefits which are referred to as restricted non-preserved.

The restricted non-preserved amount (if any) is the part of your benefit that is payable in cash on ceasing employment or upon attaining age 65. Your benefit will then become un-restricted non-preserved.

Unrestricted Non-Preserved Benefits

You can access unrestricted non-preserved benefits and withdraw them from your super account at any time.

How To Do It

To make a withdrawal from NGS Super based on the above conditions of release, please complete the benefit payment instruction PDF Form below.

Benefit payment instruction Form

Back to Top