Preservation rules

The Australian Government and RBF's governing rules will determine when and in what form you can be paid your super benefit.

Preservation age

By checking your date of birth, you can determine your own preservation age.

Date of birth

Preservation age

Before 1 July 1960


1 July 1960 to 30 June 1961


1 July 1961 to 30 June 1962


1 July 1962 to 30 June 1963


1 July 1963 to 30 June 1964


1 July 1964 and onwards



Preservation components

Your super benefit may contain one or more of the following preservation components:



The preserved component cannot be accessed as a cash lump sum until you have satisfied one of the conditions for the release of preserved super benefits. At this time all or part of the preserved component will be classified as unrestricted non-preserved.

Generally, for defined benefit members your preserved component is made up of:

  • the employer financed component of your defined resignation or redundancy benefit (whichever the case requires); and
  • the member financed component of your defined benefits accrued on and from 1 July 1999.


Compulsory preserved


You may have a compulsory preserved component if you exited from:

  • the Contributory Scheme; or
  • the closed Non-Contributory Scheme;

before you reached preservation age. This means you will have a Contributory Scheme CPA.

Restricted non-preserved


If you joined an RBF scheme before 1 July 1999 your benefit may contain a restricted non-preserved component.

For members of RBF’s defined benefit schemes your restricted non-preserved benefits are:

(a) for resignation, the cashable component of your resignation benefit calculated as at 30 June 1999; and
(b) for redundancy, the cashable component of your redundancy benefit calculated as at 30 June 1999.

Any such restricted non-preserved component will become an unrestricted non-preserved component when you cease employment with the Tasmanian public sector.
If you retire from employment with the Tasmanian public sector after reaching age 60, any restricted non-preserved component of your benefit will become unrestricted non-preserved.

Any restricted non-preserved component will also become unrestricted non-preserved when you satisfy a condition of release for preserved benefits.

Unrestricted non-preserved


Benefits that are classified as unrestricted non-preserved may be paid at any time.


Conditions of release

Super benefits must remain within the super system until you reach your preservation age and retire from the workforce or satisfy a condition of release.

The retirement condition of release is satisfied where:

  • you have attained your preservation age but you are less than 60 and you  have ceased to be gainfully employed and RBF is reasonably satisfied that you intend never to again become gainfully employed on a full-time or part-time basis; or
  • either you were 60 on or before you ceased employment or RBF is reasonably satisfied that you intend never to again become gainfully employed on a full-time or part-time basis.

Other conditions of release include:
  • Permanent Incapacity;
  • Terminal Illness;
  • death.

Preserved and/or restricted non-preserved components may be released on compassionate grounds and/or severe financial hardship.

Please refer to the following for more information on conditions of release:

Contributory Scheme - Resignation benefits for members over preservation age

Contributory Scheme - Resignation benefit options for members under preservation age


Early release

Generally all super benefits must be preserved within the super system until you reach your preservation age and retire from the workforce unless you are eligible to apply for the early release of preserved and restricted non-preserved benefits on compassionate grounds and/or severe financial hardship. Preserved benefits can also be released on the grounds of total and permanent incapacity and terminal illness.

For more information on early release of benefits, please read Accessing your super early and Accessing your super early on compassionate grounds or call the RBF Enquiry Line on
1800 622 631.


The trustee of the Retirement Benefits Fund (ABN 51 737 334 954) is the Superannuation Commission (ABN 93 598 914 092).

This website is provided by Mercer Outsourcing (Australia) Pty Ltd (MOAPL) ABN 83 068 908 912, Australian Financial Services Licence #411980 on behalf of the Superannuation Commission ("Trustee") ABN 93 598 914 092 as trustee for the Retirement Benefits Fund ("Fund"). The Fund comprises the Contributory Scheme, the Contributory Scheme CPA, the State Fire Commission Superannuation Scheme, the Tasmanian Ambulance Service Superannuation Scheme, the Parliamentary Superannuation Fund and the RBF Life Pension.

Information provided on, and available from, this site does not constitute financial or taxation advice. The information does not take into account the individual objectives, financial situation or needs of any individual and we recommend that you obtain investment and taxation advice specific to your investment objectives, financial situation and particular needs before making a financial decision.

You should seek independent financial and taxation advice to determine if an investment is appropriate to your individual circumstances.

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