Work test changes

September 18 |  2 min read

When it comes to superannuation, age 65 is pretty important, because it means you have access to all of your super funds.

Though it’s much easier to access your super, it means adding money into your retirement could become a bit more difficult. New regulations that take effect from 1 July 2020 have increased the age for satisfying the “work test” providing more time to grow your and your spouse’ retirement savings.

Work Test and spouse contributions

Once you’ve turned 65 you needed to prove that you meet the “work test” which is working at least 40 hours in a 30-day period in the same financial year that you’re making contributions. The good news is from 1 July 2020 you don’t need to satisfy the work test until you’re 67, giving you another 2 years to build your retirement nest egg. The cut off age for spouse contributions is also changing from 69 to 74.

How can I contribute?

If you want to make a contribution, you can do so via EFT, BPAY or cheque. Click here for instructions.

Just remember that contribution caps still apply to the amount you can pay each year in to your super.

Compulsory super may not be enough for a comfortable retirement. Our retirement calculator can help you work out how much you might need and how much you need to save to reach that goal.

Can you advise me?

Getting advice about your super doesn’t have to be scary. Vision Super’s fully qualified advice team are here to help you on every aspect of your super, from the simplest question through to a comprehensive financial plan. To learn more, head to or call us on 1300 300 820 Monday to Friday 8:30am to 5pm.



General Advice Warning
This article includes general information and does not contain any personal advice. The information was correct at the time of publication, but may have changed since. It does not take into account your personal objectives, financial situation or needs. You should consider whether it is appropriate for you and your personal circumstances before acting on it and, if necessary, you should seek professional financial advice. Before making a decision to invest in any Vision Super product, you should read the appropriate Vision Super Product Disclosure Statement (PDS).

Vision Super Pty Ltd ABN 50 082 924 561, AFSL 225054 RSE Licence L000239 is the Trustee of the Local Authorities Superannuation Fund ABN 24 496 637 884. Level 15, 360 Collins Street, Melbourne VIC 3000. PO Box 18041, Collin Street East VIC 8003.

September 18 |  2 min read

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