Retirement might seem like a long way away. But it’s important to know how much super you should be paid, and that it’s being paid to secure your future.

What you need to know

 What is superannuation?

Personal superannuation is money that’s put aside and saved while you’re working, so you can enjoy a regular income later in life when you retire. Your employer must pay money into a super account in your name, which is then managed by a super fund.

They must pay 10% of your income, including bonuses, commissions and loadings into your superannuation account. This is called the Super Guarantee and it’s the law. You can also add extra money to your super account, so you’ll have even more to live off when you retire. If you’re self employed you choose how much of your income you set aside for superannuation.

If your under 18 you are entitled to superannuation if you work over 30 hours per week.

Superannuation has to be paid at least every 3 months, into your nominated superannuation account.

What can I do if I need help?

If you’re experiencing a problem with your pay, read on to find out more information on what you can do. To access this information you need to be a HSA member. It’s easy to join.

What can I do if my superannuation hasn’t been paid?

1st step. Put together your evidence. Check payslips (as your superannuation payments should be listed on these) and contact your superannuation fund to confirm if payments have been made by your employer. Contact us if you have any questions.

2nd step. Ask the question. If this is the first time something has gone wrong at work and you’ve got a good relationship with the boss, just ask the question. Make sure you put any questions to your boss about working conditions in writing. If you need any tips get in touch with us. Book a call or chat.

3rd step: Professional advice & Support. If you’ve asked the question and your employer does not agree or refuses to consult with you on the matter, then it’s time to get some professional advice and support. Book a call to get in touch with one of our legal officers for advice on how to handle the situation.

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