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Home / How super works / Super rules / How is super split in a divorce?

How is super split in a divorce?

February 1, 2020 by Barbara Drury Leave a Comment

Reading time: 4 minutes

On this page

  • Why super matters
  • What happens to super benefits in the event of a divorce?
  • How do you split superannuation?
  • What happens if you’re in a self-managed super fund (SMSF)?
  • Are the rules the same in every State and Territory?
  • The bottom line

For many couples, superannuation is likely to be their major asset outside the family home. But because super is locked away until retirement, it’s often overlooked when couples divorce in favour of more readily accessible assets.

While that’s understandable, ignoring super can result in serious financial disadvantage in the long term.

Why super matters

Statistics show that the effects of divorce on superannuation are very different for men and women. According to an AMP-NATSEM study, divorced women with children had 37% less super than divorced dads from similar age groups and socio-economic backgrounds, and 68% less super than married mums.

Super can be divided between you and your partner if your marriage or de facto relationship breaks down and you permanently separate (including couples in same-sex relationships). However, there are specific rules that need to be followed in all situations to ensure compliance with both Australian super legislation and family law.

What happens to super benefits in the event of a divorce?

It’s important to understand that superannuation is treated as a special type of property under family law because it’s an asset that is held in trust until you have met a condition of release. Super can’t be split as cash unless you have already met a condition of release.

Note: Superannuation splitting in the event of a relationship breakdown is a completely different concept to contribution splitting. Contribution splitting involves making contributions to your partner’s super to bolster it.


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Generally, you can access your super once you are:

  • Aged over your preservation age and retiring. Your preservation age is between the ages of 55 and 60, depending on your date of birth.
  • Aged over your preservation age and starting a transition-to-retirement income stream (TRIS).
  • Aged over 60 and ceasing an employment arrangement.
  • Aged 65 or over.

You can only tap into your super before reaching your preservation age in limited circumstances, such as if you’re experiencing severe financial hardship.

Learn more about all conditions of release, including how to access your super early.

If you can’t access your super yet

If you haven’t met a condition of release and you can’t access your super, you and your partner can reach a formal written agreement about how your super will be split when you do meet a condition of release.

This agreement must be prepared by a lawyer who must certify that you have both received independent legal advice about it. This agreement is then used to obtain a consent order from the Family Court to split you and your partner’s super accordingly. You won’t be required to attend court if you’re applying for a consent order.

If you and your partner can’t agree on how to split your super, you can seek a court order from the Family Court to make the decision on your behalf. Under the provisions of the Family Law Act, a court must be satisfied that any super split is just and equitable for both partners. You will be required to attend court if you’re seeking a court order.

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Whichever method you use to split your super (mutual agreement, consent order or court order), the trustees of your super fund (including those of self-managed super funds) will be bound by the payment terms of the order.

If you can access your super

If you have met a condition of release and you can access your super (or are already accessing it), a mutual agreement or court order can be arranged to facilitate the splitting of you or your partner’s funds immediately (including any super pensions that you may be receiving).

Once again, the trustees of your super funds are legally bound by the payment terms of the agreement or court order.

How do you split superannuation?

There are four steps you need to follow to split super. It may be worthwhile getting legal assistance to help you complete these steps.


Step 1

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Obtain a current valuation of you and your partner’s super. You are legally entitled to obtain your partner’s super information from the trustees of their fund/s. To do this, you need to provide your partner’s funds with four forms that are available for free download in the Superannuation Information Kit at the Family Court of Australia’s website.

Some super funds may charge for this information.

If you’re seeking a court order about your partner’s super, you must inform their super trustee/s accordingly. This provides your partner’s trustee/s with an opportunity to attend the court hearing and object to the order if they deem it necessary.


Step 2

File an initiating application online with the Family Court, along with a financial statement and affidavit. The Family Court requires this information to grant your consent order (if you have come to a mutual agreement with your partner) or a court order (if you haven’t reached a mutual agreement).


Step 3


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Once you have filed your documentation with the Family Court, your partner will need to provide a response to your initiating application, along with their own financial statement and affidavit.


Step 4

Once your Family Court consent order or court order has been issued, you should provide the trustees of your super fund/s with a sealed copy of the order as soon as possible (if it will affect your payment arrangements when you have met a condition of release).


What happens if you’re in a self-managed super fund (SMSF)?

If you or your partner are in a self-managed super fund (SMSF), the members of the fund are its trustees. In this situation, the valuation of your super should be determined by an accountant or actuary as SMSF trustees normally don’t have the financial expertise to make accurate fund valuations.


Note: There are strong penalties for SMSFs that do not comply with superannuation laws, for example by accessing super money without meeting a legitimate condition of release.


Are the rules the same in every State and Territory?

The rules are uniform across the country, with one exception. Western Australia is the only State where different rules apply to de facto couples. Individual de facto partners are only entitled to walk away with their own super entitlements when a relationship breaks down.

But that is about to change, with legislation currently before Parliament which will finally bring WA in line with the rest of Australia.

The Family Law Amendment (WA De Facto Superannuation Splitting and Bankruptcy) Bill 2019 was introduced in Federal Parliament on 27 November 2019. Once this passes, WA will need to introduce its own legislation to support the reform as it remains the only State with its own Family Court System.

The Bill will also enable de facto couples in WA to have bankruptcy matters heard concurrently with their family law proceedings, avoiding the need for separate hearings in separate courts.

The bottom line

Splitting superannuation when there is a relationship breakdown is an important financial decision for both partners. It’s therefore important to seek independent professional advice based on your individual circumstances and needs.

See also, What happens to an SMSF in the event of divorce?

The information contained in this article is general in nature.

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All information on SuperGuide is general in nature only and does not take into account your personal objectives, financial situation or needs.

You should consider whether any information on SuperGuide is appropriate to you before acting on it.

If SuperGuide refers to a financial product you should obtain the relevant product disclosure statement (PDS) or seek personal financial advice before making any investment decisions.

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