The answer is no, if you’re under the age of 65. An Australian under the age of 65 can make super contributions whether they are working, rearing children, looking after a sick partner, recovering from illness, or on an extended holiday.
If you are aged 65 or over then you must satisfy a work test if you’re seeking to make super contributions. You must be gainfully employed for at least 40 hours in a consecutive 30-day period in the year in which you make the super contribution. For more information on working in retirement, see the special SuperGuide sections Working in retirement and Turning 65 and super.
For more information on making super contributions, see the following SuperGuide articles:
- Super concessional (before-tax) contributions: 2018/2019 survival guide
- Your 2018/2019 guide to non-concessional (after-tax) contributions
- Cashing in on the co-contribution rules (2018/2019 year)
- Superannuation and employees: 10 facts about your super entitlements
- Salary sacrifice and super: A guide for employees and employers
- Bring-forward rule: A definitive super guide
- Who can now make tax-deductible super contributions?
For more information on making super contributions when over 65, see the following SuperGuide articles: