Do you have unpaid super?

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There are steps you can take if you think your employer is not paying your super, or is not paying you enough super.

Thanks to the super guarantee, most of people working in Australia are entitled to superannuation. So, if you work for someone, are aged over 18 years old and earn more than $450 a month, that is you. And it does not matter if you work full time, part time, casually or if you are a temporary resident, you get super.

Super is paid into your account at a rate of 9.5 percent of your salary. As part of the super guarantee, employers must pay super contributions at least four times a year. Even though it may be a long time until you can get your hands on it, remember that super is your money. So it is in your best interests to check you are getting every dollar that is due to you.

Check you are being paid

The easiest way to check you are being paid super is to log in to your super account and have a look at transactions or recent activity over the year. It should clearly show regular contributions going in.

If you do not have online access, check your most recent statement and look at the transactions. Otherwise, contact your super fund directly.

If things do not look quite right

While most employers try to do the right thing, they sometimes miss payments or stop paying. If you do not see money going in, or there is not as much going in as you expect, you are going to need to bring this up with your employer. Conversations about money can be difficult, so keep it simple by asking these three questions:

  1. How often are you paying my super?
  2. How much super are you paying me?
  3. Which fund are you paying my super into?

If you do not get a good outcome from your conversation, the next step is to report unpaid super to the Australian Tax Office (ATO). They will then investigate your unpaid super for you. You will need to provide your tax file number as well as your employer’s details such as their Australian Business Number (ABN). This can be usually be found on your payslip or by searching on ABN Lookup. The tax office can also investigate unpaid super confidentially.

Need to check your super? Log in to your online account

Issued by H.E.S.T. Australia Ltd ABN 66 006 818 695 AFSL 235249, the Trustee of Health Employees Superannuation Trust Australia (HESTA) ABN 64 971 749 321.

This information is of a general nature. It does not take into account your objectives, financial situation or specific needs so you should look at your own financial position and requirements before making a decision. You may wish to consult an adviser when doing this. Before making a decision about HESTA products you should read the relevant product disclosure statement (call 1800 813 327 or visit hesta.com.au for a copy), and consider any relevant risks (hesta.com.au/understandingrisk).

HESTA is the Diamond Sponsor of APHA.

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