You can contribute to your super between age 67 and 74 without meeting the Work Test for one financial year if you satisfied the Work Test in the previous financial year.

This is known as the Work Test Exemption (WTE). You can only use the WTE once, for one financial year. It can't be used to contribute to different funds in different years.

The WTE is designed to help older Australians catch up with super savings so they can improve their retirement. 

To take advantage of the WTE, your super balance must be under $300,000 (across all your super funds if you have more than one) at the end of the previous financial year.

The existing concessional (before tax) contribution cap of $25,000 and non-concessional (after tax) contribution cap of $100,000 apply. 


From 1 July 2020, you met the Work Test for the financial year ended 30 June 2020, had under $300,000 across all funds, and have never claimed the WTE before. 

With the WTE, you have an extra 12 months to contribute without needing to meet the Work Test for the financial year ended 30 June 2021. 

Next steps

If you think you've met the WTE and would like to contribute to your super, please call us on 1800 222 071 between 8am and 8pm (AEST/AEDT) weekdays.

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