Once you’re 67 years or over, you can only continue to make or receive certain contributions to your super if you meet the work test or can use the work test exemption.

In short:

To meet the work test, you must have been gainfully employed (that is, employed or self-employed for gain or reward) during the financial year, for a minimum of 40 hours within 30 consecutive days. This can be any consecutive 30-day period within the financial year. In other words, it doesn’t have to be in the same month so for example, the 30 days can start in January and end in February. It's a minimum requirement. There are no maximum limits to how much you can work.

To meet or use the work test exemption, you must satisfy the following conditions:

  • you met the work test in the previous financial year
  • your total superannuation balance with all super providers was below $300,000 at 30 June of the previous financial year, and
  • you haven’t previously made contributions to super using the work test exemption.

When making a spouse contribution, if the recipient spouse is age 67 or older, they will need to meet this work test or be eligible for the work test exemption.

From age 67 and onwards, if you are employed but do not meet the work test or work test exemption, your employer can still make compulsory contributions on your behalf (but not voluntary additional contributions). But you will not be able to make personal contributions.

Important information

Products in the Super Directions Fund and the Wealth Personal Superannuation and Pension Fund are issued by N.M. Superannuation Proprietary Limited (N.M. Super) ABN 31 008 428 322 (trustee), which is part of the AMP group (AMP). Before deciding what’s right for you, it’s important to consider your particular circumstances and read the relevant Product Disclosure Statement or Terms and Conditions available from AMP at amp.com.au or by calling 131 267. Read AMP’s Financial Services Guide for information about our services, including the fees and other benefits that AMP companies and their representatives may receive in relation to products and services provided to you.

Products in the AMP Eligible Rollover Fund, National Mutual Retirement Fund, and NM Pro Super Fund are issued by Equity Trustees Superannuation Limited ABN 50 055 641 757 (trustee). Risk products are issued by AMP Life Limited ABN 84 079 300 379 (AMP Life), which is part of the Resolution Life group. AMP Life has proudly served customers in Australia since 1849. AMP Limited ABN 49 079 354 519 has sold AMP Life to the Resolution Life group whilst retaining a minority economic interest. AMP Limited has no day-to-day involvement in the management of AMP Life whose products and services are not affiliated with or guaranteed by AMP Limited. AMP Limited is not liable for products issued by AMP Life or any statements or representations made in the PDS for those products. “AMP”, “AMP Life” and any other AMP trademarks are used by AMP Life under licence from AMP Limited. Before deciding what’s right for you, it’s important to consider your particular circumstances and read the relevant Product Disclosure Statement or Terms and Conditions available from AMP Life at amp.com.au or by calling 133 731. Read AMP Life’s Financial Services Guide for information about our services, including the fees and other benefits that AMP Life and/or other companies within the Resolution Life group may receive in relation to products and services provided to you.

Any advice and information provided is general in nature, hasn’t taken your circumstances into account, and is provided by AWM Services Pty Ltd ABN 15 139 353 496 (AWM Services), which is part of the AMP group (AMP). All information on this website is subject to change without notice.