Buster you are still better off having the money now than have it put into a super fund because you can decide what to do with it and not let a fund manager and the government keep dipping into it. I'm not sure about being disadvantaged if you were born after 1964 because I get no advantages for being born in 1963. Where the cut-off is if you had super before 1983 then you can access it before age 55 and it is not taxed. This appeal is not going to help anyone other than the lawyers and the adminstrators.