Illness, disability and superannuation
Understand what accessing super would mean for you.
If illness or disability has changed your financial position, accessing super may be one of the questions you are considering. HFI assesses the financial implications and helps you clarify the information relevant to your circumstances.
Your circumstances determine the assessment
Release requirements and tax treatment depend on the applicable rules, fund information and individual facts. HFI can help identify the financial questions to confirm. We do not promise eligibility or a particular tax outcome.
Consider the wider consequences
Our advice can assess the role of super alongside your immediate expenses, future income, debts, investments and relevant Centrelink position. We explain the financial trade-offs before recommending an approach.
A clear route to personal advice
Start with a brief outline of the decision and any deadline. We discuss whether HFI can assist, agree the scope and fee before chargeable work and identify the information needed through an appropriate transfer method.
What clients say
“Easy to work with, allowing me to set the pace”
Sheana Guthrie · Google review · 2024-10-21
Selected excerpts from public Google reviews. Reviews describe individual experiences and do not guarantee tax savings, benefit entitlements or future results.
Explore the next step
Read about HFI’s specialist TPD financial advice. Learn more about fees and engagement and the HFI team.
Questions about working with HFI
How do I get started?
Tell HFI the decision you are facing and any important deadline. We discuss suitability, the proposed scope and fees before chargeable work begins. An initial enquiry does not establish an advice engagement.
Can I involve a family member or professional?
Yes. Tell us who you would like involved and any communication needs. We confirm the appropriate authority, scope and communication arrangements.
Let’s make the next step clearer
Tell us what you are trying to achieve and any important deadline. We will discuss whether HFI is the right fit and explain the next step and fees.
Important information
General advice warning: Any advice on this page is general in nature and has been prepared without taking into account your objectives, financial situation or needs. Before acting on it, consider whether it is appropriate for you and seek personal advice where needed. Where a financial product is involved, obtain and consider the relevant Product Disclosure Statement or other disclosure document before deciding. Investment returns are not guaranteed and investments can lose value.
Health & Finance Integrated Pty Ltd, ABN 72 165 510 618, Corporate Authorised Representative No. 1293198 of Able Financial Services Pty Ltd, ABN 27 646 319 164, AFSL 530596. HFI is not independent, impartial or unbiased because HFI or its licensee may receive life insurance commissions. See our Financial Services Guide, adviser profiles and fee information.