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Emergency financial assistance

The following services may be able to help you relieve your immediate financial distress


Severe Financial Hardship Payment

If you meet certain conditions, Rest now allows you to access part of your super if you're experiencing severe financial hardship. These conditions include receiving Commonwealth income support payments for either 26 continuous weeks or a cumulative period of 39 weeks, depending on whether you've reached the preservation age (the age you'd usually be able to access your super from).

If you haven’t reached your preservation age, the maximum amount you can withdraw under severe financial hardship is $10,000, and this can only be made once in a 12 month period.

To apply for an early release of your super under severe financial hardship payment, contact us on Live Chat or call us on 1300 300 778.

For more information see Accessing your super early


Centrelink is part of the Department of Human Services. They deliver social security payments and services to Australians.

Call: 132 850

National Debt Helpline

NDH is a not-for-profit service that helps people in Australia tackle their debt problems.

They are not a lender and they don't 'sell' anything or make money from you. Their professional financial counsellors offer a free, independent and confidential service. They are here to help you get back on track.

Call: 1800 007 007

Salvation Army

The Salvation Army offers a range of support options to help with financial difficulties, depending on the nature of your problems.

Call: 1300 371 288

St Vincent De Paul

The St Vincent de Paul Society in Australia has more than 60,000 members and volunteers, who work hard to assist people in need and combat social injustice across Australia.

Call: 1300 VINNIES


The following services may be able to provide financial assistance if you are undergoing treatment for cancer.


Cancer Council

Cancer Council NSW provides direct emergency financial assistance to people affected by cancer and financial disadvantage.

Call: 13 11 20

Red Kite

Cancer is expensive. Treatment can put pressure on finances, particularly for those who need to travel and stay away from home, or young people living independently.

Redkite can help cover the cost of many essential items, including:

  • Bills for electricity, gas, water, rates, internet and phone
  • Car registration, insurance, and in some cases, repairs
  • Rent and mortgage payments
  • Accommodation relating to treatment e.g. hotel bills
  • Shell fuel vouchers and Coles grocery vouchers
Call: 1800 733 548



The information referred to on this page is general in nature only and does not take into account your personal circumstances.  The services referred to on this page are offered and provided by third parties, not Retail Employees Superannuation Pty Ltd, the Trustee of Rest.  The Trustee is not responsible for the services, views or actions of these organisations.  Rest does not receive any payments or commissions from these third parties as a result of you using their services.  You should use your own judgement before taking up any service offered by a third party.  You should ensure that you know, and understand, the terms and conditions which will apply to the provision of such services from the third party. The Trustee does not accept liability for any loss or damage incurred by any person as a result of using services provided by these third parties. 

This website is provided by Retail Employees Superannuation Pty Limited ABN 39 001 987 739, AFSL 24 0003 (Rest), trustee of Retail Employees Superannuation Trust ABN 62 653 671 394 (Fund), of which Rest Super, Rest Corporate, Rest Pension and Acumen are part. It contains general advice that has been prepared without taking account of your objectives, financial situation or needs. Before acting on the information or deciding whether to acquire or hold a product, consider its appropriateness and the relevant Product Disclosure Statement (PDS), which is available on this website. The cost of providing financial services is included in the fees in the Fund as disclosed in the relevant PDS. Rest and the Fund do not charge any additional fees or obtain any commissions for the advice provided. Rest’s employees are paid a salary and do not receive any commissions. They may receive a performance related bonus that takes into account the financial services provided. Super Investment Management Pty Limited (ABN 86 079 706 657, AFSL 240004), a wholly owned subsidiary company of Rest, manages some of the fund’s investments. Apart from this, Rest does not have any relationships or associations with any related body corporate or product issuer that might reasonably be expected to be capable of influencing Rest in providing financial services.

Rest personal advice is provided by Rest Advisers as authorised representatives of Link Advice Pty Ltd ABN 36 105 811 836 AFSL 258145

Awards and ratings are only one factor to consider when deciding how to invest your super. Further information regarding these awards can be found at Past performance is not an indicator of future performance. SuperRatings Pty Limited does not issue, sell, guarantee or underwrite this product. Go to for details of its ratings criteria. For further information about the methodology used by Chant West, see