Employees: Are you being paid all your superannuation entitlements?
- Arnold Shields
- Nov 12, 2009
- 2 min read
Updated: Jun 23
Worried your superannuation isn't being paid? Here's how to find out, and what steps to take next.
If you suspect your employer is not paying your super, or not paying the correct amount, you're not alone, and you're not powerless. The Australian Taxation Office (ATO) takes unpaid super seriously and will investigate your claim if it's valid.
Step 1: Speak With Your Employer
Start by asking your employer:
How often they are paying your super
Which super fund they’re paying into
How much they’ve paid so far
It's best to clarify this when you start a new job, but it's never too late to raise the question.
Step 2: Check With Your Super Fund
Log into your super fund account or check your most recent member statement to see if your employer's contributions have been received. You can also contact your super fund directly for confirmation.
Step 3: Still Missing Super? Lodge an Enquiry
If you've spoken with your employer and checked with your fund but still believe your super hasn't been paid (or hasn’t been paid to your nominated fund), you can report it to the ATO by:
Using the ATO's Employee Superannuation Guarantee (SG) calculator tool
Calling the ATO on 13 10 20
What the ATO Will Ask You
When lodging an unpaid super enquiry, be prepared to provide:
Your contact details, and permission to use your name with your employer
Your employer’s contact details and ABN
Employment details, including your start date
A description of the issue, including the months or years affected
You’ll also need to confirm whether you:
Earned at least $450 before tax in any month (prior to 1 July 2022; no minimum applies after this date)
Checked with both your employer and super fund to confirm no payment was made
Were offered a super fund choice form and when
Checked if your employer acted on your chosen fund
The ATO will keep you informed of your case progress via letter.
Need Help?
Superannuation compliance can be tricky. If you're concerned about unpaid super and need guidance tailored to your personal situation, speak to the professionals at Dolman Bateman. We can help you understand your rights and get the super you're entitled to.
Disclaimer:
The information provided in this article is general in nature and does not constitute personal financial, legal or tax advice. While every effort has been made to ensure the accuracy of this content at the time of publication, tax laws and regulations may change, and individual circumstances vary. Dolman Bateman accepts no responsibility or liability for any loss or damage incurred as a result of acting on or relying upon any of the information contained herein. You should seek professional advice tailored to your specific situation before making any financial or tax decision.
