AUSTRALIAN WORKERS UNION | SA BRANCH
ARE YOU GETTING ALL YOUR SUPER?
There are currently a lot of positive changes occuring in relation to superannuation.
All workers 18years or older, are eligible for super guarantee – it doesn’t matter if you are full time, part time, or casual, or receiving a pension whilst working, or a temporary resident, or a family member working in a family business.
If under 18 years old, you have to be working more than 30 hours in a week. The current Super Guarantee rate today is 11.5%. This will change to 12% from 1 July 2025.
Super is calculated on your pay on time, your ordinary time earnings (OTE). OTE is the amount you get paid for working your ordinary hours of work. Super is not paid on overtime, by law.
If you feel your employer might not be paying you your super entitlements contact us today.
Super is paid on top of the minimum wages for your job and regular allowances. It is not paid on overtime. Super contributions are made to full-time, part-time and casual employees, as well as some contractors. The payment of compulsory super contributions is enforced by the Australian Taxation Office (ATO).
Some awards and agreements have their own extra super rights.
It’s vital for your future retirement income that you are receiving all the superannuation contributions that you are entitled to. You should also consider carfeully which fund your super contributions are being paid into because there are significant differences between funds in terms of returns and fees. The union recommends that employees choose to have their superannuation contributions paid into an industry fund because they are generally the best performing, have the lowest fees and can provide helpful assistance if the employer contribution is not made.
Extra contributions
You can make your own super contributions on top of your guaranteed minimum entitlement or if you’re not entitled to be paid super. You can do this either before or after tax.
To do this, you need to enter into a written agreement with your employer detailing the amount of the additional contribution, where it will be paid and how often.
MY EMPLOYER ISN'T PAYING MY SUPER
WHAT CAN I DO?
STEP 1
KNOW YOUR RIGHTS
It’s important that you understand your rights so that you can be fully informed when you speak to your employer. You should check your employment contract and the agreement or award that applies - and read the super clause.
STEP 2
TALK TO YOUR EMPLOYER
If you’re found an issue with your pay, including if you think you haven’t been receiving your super, talk to your employer first. You can ask them: how often they’re paying your super; which fund their paying your super into and how much they’re paying. Information about your super should also be included on your payslip.
STEP 3
CHECK YOUR STATEMENT
Check the annual statement from your super fund. This should show you how much your employer has paid on your behalf during the past financial year. You can also contact your fund for up to date information.
STEP 4
LODGE A COMPLAINT
Your union can help you to take action, either by contacting your employer to seek payment of the unpaid super contributions, or by helping you to lodge a complaint with the Fair Work Commission or deal with the ATO.</p> <p>If you feel your employer might not be paying you your super entitlements contact us today.