Super for casual workers

Check you're getting what's due

Are you doing casual work or taking on extra hours in your existing job? Here we tell you how to check if you should be getting super from your employer and what to do if you have multiple super accounts.

Check if you are eligible for super

Your employer must pay 9.5% of the value of your 'ordinary time earnings' into your super fund if:

  • You're over 18 and earn more than $450 before tax in a calendar month
  • You're under 18 and work more than 30 hours a week (and still earn more than $450 in the calendar month) 

If you've got a new casual job or if you usually only work once or twice a week but you're working more in the lead up to Christmas; be sure that you're getting paid super if you're eligible. 

Check your super is being paid

You can check your super payments by looking at your pay slip, which must detail the amount of super you are getting and the date that your super is paid into your account. You can also check with your super fund to ensure the payments have been received.

To find out how much super you should be getting use our employer contributions calculator.

Employer contributions calculator

Every dollar counts. To prove this, let's look at Lindsay's situation.

Case study: Lindsay's summer job boosts his super

""Lindsay, 17, finished his TAFE studies for the year in November and decided to get a job working in a large department store until the end of December. During the busy period leading up to Christmas he was working every day.

As he was earning more than $450 a month and working more than 30 hours per week, Lindsay checked with the payroll manager that he was being paid the super he was entitled to.

Lindsay ended up getting $250 put into his super fund. Over time that money will grow as it is invested.

Receive bonus contributions

If you earn less than $51,021 per year, consider making after-tax contributions to super to qualify for the co-contribution from the government. See government co-contributions.

If you're eligible and earn $37,000 or less per year, the government may make a further contribution of up to $500 to your super. See low income super contribution.

Consolidate small super fund accounts

If you work casually and end up with a few different employers, you'll probably end up with your super in a few different funds.

Rolling your super into one account is a good idea, because you'll only be paying one set of fees. See our article on consolidating super funds.

If you're working casually take the time to make sure you're receiving everything you're entitled to. After all, it's your money.


Related links

 


Last updated: 02 Aug 2016