The information contained in this section of the website is provided in good faith as general educational material only and, where applicable, is based on stated assumptions. Any information provided or derived from examples or calculators should not be relied on as a true representation of any actual superannuation entitlements or benefits from any particular fund or scheme.

The information and material on this website is to assist you to gain a broad understanding of superannuation and other general financial matters, is provided for general information only, and has been prepared without taking into account your particular financial needs, circumstances and objectives.  You should not rely on any information or material on this website, and before making any investment decision we recommend that you consider whether it is appropriate to your situation and seek appropriate financial, taxation and legal advice.

Links and frames connecting this website to other websites are provided for your convenience only, and do not mean that Guild Trustee Services Pty Ltd or Guild Financial Services Limited endorse or approve those other websites or their content.

Guild Trustee Services Pty Ltd (the Trustee of Child Care Super), Guild Financial Services Limited and their directors, officers, employees and agents make no representations and give no warranties in respect of, and to the extent permitted by law, exclude all express or implied representations and warranties in relation to, this website and/or the accuracy, currency or completeness of any information or material provided at or through this website.

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What to do if you think super is not being paid

If you are concerned about the amount of super your employer is paying you should follow this simple three step process:

Step 1

Talk to your employer. You should ask them how often they are currently paying your super, into which fund they are paying it, and how much they are paying.

You should also make sure you are eligible to receive super. Usually an employer has to pay super contributions for you if you are over 18 and you paid at least $450 in salary and wages (before tax) in a calendar month. It doesn’t matter if you work casual, part-time or full-time hours. You can also be eligible if you are a contractor working primarily for labour (eg graphic designer).

Step 2

Check your last Member Statement from GuildSuper, or call us on 1300 361 477 to confirm if your employer has paid your super.

Step 3

If you have completed Steps 1 & 2 and still think that your employer is not paying enough or any super, and/or is not paying the super to your chosen fund, you can lodge an enquiry about unpaid super by using the Australian Tax Office’s online Employee superannuation guarantee (SG) calculator tool, or phoning them on 13 10 20.

More information about unpaid super is available on the Australian Tax Office’s web site, click here to go there now.