Barbara, aged 58, works as an administrative assistant for a private company. She has a superannuation balance of $20,000. Barbaras vision is currently compromised due to cataracts. Her condition is moderate. She is still able to function and undertake her work duties, but feels that she is only 80% as productive as she was before the cataracts developed. Furthermore, due to her cataracts, she cannot drive. The public hospital waiting time for cataract surgery is approximately 18 months. Barbara has no private health insurance. The total out-of-pocket expenses for this procedure is $18,000 in the private health system, For technical reasons, her case is more complex than the typical cataract treatment and so more expensive.

Advise Barbara as to whether she can get withdraw her superannuation funds in the 2020-21 financial year to pay for her surgery.

question is based on Superannuation law of Australia