I had no idea where my lost super was or the names of the funds. I just new it was scattered everywhere and I should definitely have more than $3,000 in my super. Australian Super Finder found all 7 of my funds and now my balance is almost $50,000. Thank you so much for getting my super back on track. ? Leonie, Thomastown VIC

Super Facts and Tips

Assorted Short-Term or Low-Wage Jobs That Do not Pay Superannuation

Be acquainted with your rights. Under superannuation regulations, your employer needs to pay minimum SG (Superannuation Guarantee) contributions if you make more than $450 in a month. Moreover, it is possible you could be insured under a particular industrial award with specific superannuation provisions.

Acquaint yourself with the super regulations. If you believe you ought to be getting entitlements, the Australian Taxation Office has a method to aid you examine and acquire any unpaid super.

Assorted Short-Term Employments That Pay Superannuation

A few workplace agreements and awards could include a certain super arrangement, but the majority of employees can select which Superfund their employer makes their payments into. If you can select your super fund but don't give your employer information on your chosen fund, generally your employer will make an account on your behalf via their default super fund. If you have numerous employers with various default super funds, the accounts you have can add up. Bear in mind, many take in insurance arrangements with variable premiums and the majority will have account keeping payments. Keep your superannuation simple thru making your super fund with you once you change job roles.

Income from Various Employment Arrangements

Whether or not you are receiving superannuation from an employer, you can contribute to your superannuation from your salary. While you may be unable to access the arrangement for a salary sacrifice, still you can add voluntary after-tax payments to your super account. You could even be eligible for a low-income contribution or government co-contribution.

Temporarily Between Roles

Even though you are now between projects or jobless, as a personal Division, Media Super member, you still can access all of your account's benefits, counting any cover insurance arrangements you could've made with your super fund.

As a member of the particular division, still you can withdraw Permanent and Total Disablement, Income Protection and Death cover, but some further restrictions could apply. Furthermore, there may be a few changes to your insurance if you formerly had covered under such an employer-sponsored arrangement.

Taking out cover in your superannuation is a good way to offer financial security in the event of an accident, illness or unexpected events. For more info about unpaid superannuation, visit www.australiansuperfinder.com.au

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