Your employer and super
Are you getting the super from your employer that's rightfully
yours? This webpage explains how much super you should get and what
to do if your boss is not paying enough super.
How much super should you
If you are eligible to receive super contributions, your
employer must put super contributions into your super account.
Contributions should be equal to 9.5% of your 'ordinary time
earnings'. For example, if your ordinary time earnings are $50,000
then you should be paid an additional $4,750 into super.
Ordinary time earnings are what you earn for your ordinary hours
of work including over-award payments, bonuses, commissions,
allowances and certain paid leave. See the Australian Taxation
Office's (ATO's) information on using ordinary time earnings to calculate the
You are eligible to receive super from your employer if:
- You earn $450 or more in a month
- You are aged 18 or older
- If you're under 18, you must also work more than 30 hours a
See the ATO's key superannuation rates
Work out how much your employer should be contributing to your
If you're a contractor, you may still be entitled to super from
If you're paid wholly or mostly for your labour and paid by the
hour, you're considered an employee for super purposes and your
employer must pay super for you.
Use the ATO's employee/contractor decision tool to
work out if you're entitled to super guarantee contributions from
Check how much super you've
You can see how much super your employer is calculating by
checking your payslip.
Employers calculate super each pay but only have to transfer
super to your fund once a quarter. Some employers will choose to
pay super more often, ask your employer how often they pay your
super. This may be particularly important if you have asked your
employer to deduct personal super contributions from your pay.
To make sure your employer is paying your super, look at your
most recent super statement or check your transaction details
online. If you have a myGov account you can also check by
logging into your myGov account.
Update your details with your super fund
If you don't receive a statement from your super fund at least
once a year, they may not have your current contact details.
Statements can be issued in paper format or electronically. Contact
your fund to make sure they have your current contact details.
What to do if your
employer is not paying your super
Companies that are in financial trouble sometimes break the law
by not making super contributions for their staff. If you're not
receiving super contributions from your employer, or are not sure
whether you are being paid enough super, you can:
- Talk to your employer and ask them to explain how your super is
being calculated and how often they are paying it
- Contact your super fund to check whether your super has been
- Sign in to your myGov account and make sure it's linked
to the Australian Taxation Office to see how much has been paid
into your super fund
- Call the Australian Taxation Office (ATO) on 13 10 20
If your employer has not paid your super you can report them to
the ATO. See the ATO's webpage unpaid super for more details.
If you are working for an employer you are
entitled to be paid super on top of your salary or wages, so make
sure you get what you are owed.
Last updated: 09 Aug 2017