Who can contribute?

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Contributions can be accepted for anyone up to age 65. Once you turn 65, contributions from you and/or your employer can generally only be accepted if:

• you have worked, and been paid, for at least 40 hours during a 30-day period in the financial year, or
• the contributions are 'mandated' employer contributions. This means contributions that the employer is required to make by law, for example, to comply with Superannuation Guarantee requirements, or contributions required under an award.

The rules change once you reach 70, for example, personal contributions can only be made on your own behalf (you cannot receive contributions made on your behalf from your spouse).

The rules change again once you reach 75. As a general rule, only 'mandated' contributions can be made on your behalf after age 75.