Worried About Your Unpaid Super from Your Employer?

If you caught our last article on using superannuation to your tax advantage, you’ll know how vital super is for building long-term wealth. But what happens if your employer hasn’t paid what they’re legally required to?

Unpaid super can seriously affect your financial future, and it’s more common than many realise. The good news? There are clear steps you can take to identify the issue and claim what’s rightfully yours.

Here’s a comprehensive, no-nonsense guide to help you take action.

How to Check if Your Super Has Been Paid

1. Review Your Superannuation Fund Statements

Start by checking your quarterly or annual super fund statements. These list all contributions your employer has made.

2. Log in to Your MyGov Account

Connect your MyGov account to the Australian Taxation Office (ATO) to view a consolidated record of your super contributions.

3. Check Your Payslips

Your payslips should list super payments. Compare these to your fund statements and MyGov to spot any inconsistencies.

What to Do if You Suspect Unpaid Super

4. Speak with Your Employer

Often, unpaid super is due to delays or errors. Raise the issue directly with your employer to clarify the situation and find out when it will be resolved.

5. Keep Detailed Records

Document all communication with your employer. Keep copies of emails, texts, or notes from conversations—this will be essential if you need to escalate the issue.

Escalating the Issue When Necessary

6. Report to the ATO

If your employer doesn’t resolve the issue, lodge a complaint with the ATO online. The ATO has the power to investigate and take action.

7. Contact the Fair Work Ombudsman

Although the Fair Work Ombudsman doesn’t handle super directly, they can provide guidance and support in enforcing your workplace rights.

8. Consult a Financial Advisor

Need help understanding your entitlements or navigating the system? A licensed financial advisor can offer tailored advice.

Other Avenues for Recovering Unpaid Super

ATO Compliance Investigations

The ATO regularly audits employers. If they’re already investigating your employer, you might not need to lodge a formal report—but it’s still a good idea to do so.

Super Fund Support Services

Many industry super funds offer help recovering unpaid contributions. Reach out to your fund and ask if they can assist.

Legal Action

As a last resort, you may pursue legal action against your employer. Always seek professional legal advice before taking this step.

Secure Your Future by Acting Now

Super isn’t just a legal obligation, it’s your future. Unpaid contributions can add up quickly and jeopardise your retirement plans.

If you think something’s not right, don’t wait. Take action. Check your statements, speak up, and know your rights.

Still unsure? At Dolman Bateman, we’re here to help. Call us on 02 9411 5422 for confidential guidance and support in recovering your unpaid super.

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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.