The UniSuper website covers superannuation plans, investment performance, pension products.
"Member Online" facility:
Members can to view their online account balance
Publications and Forms:
Publications, forms and fact sheets are available to download.
Registering online for UniSuper seminars
UniSuper runs free seminars on investments, retirement planning, and products and services.
The superannuation arrangements for the University require staff to be members of the UniSuper plans. These plans are administered by UniSuper Management Limited in conjunction with the University's Employee Benefits (Superannuation) Team – Human Resources.
On-Campus Consultant Victoria Smart - every Wednesday, Thursday, Friday
UWA is pleased to announce that UniSuper has now a consultant on campus to help employees with information about their superannuation. UniSuper on-campus consultant will be able to:
Victoria is available at UWA every Wednesday, Thursday, Friday. To make an appointment, simply use UniSuper online booking system.
New and current employees are encouraged to seek advice relating to their own personal circumstances. Stephen Brereton is UniSuper Adivsers visiting UWA campus for individual appointments from 9am to 5pm.
Dates available on campus for 2016:
To book an appointment please contact 1300 331 685 or email firstname.lastname@example.org
New and current employees are encouraged to attend superannuation seminars on campus to find out more about their options and have a better understanding of how their superannation works. Seminars are free and run for around an hour.
Upcoming seminars for 2016 are:
To register, please visit http://www.unisuper.com.au/learning-centre/seminars
If you can’t attend seminars, UniSuper offers a range of webinars to learn more about super, caps, investment, pensions, insurance and more from the convenience of your own computer.
To register, please visit http://www.unisuper.com.au/learning-centre/webinars
A confirmation email will be sent to you once you have registered and the slides will be made available to you after the webinar has concluded.
For any further information, please visit Unisuper website www.unisuper.com.au or contact the information line on 1800 331 685
In the Defined Benefit Plan benefits are formula-based with contributions invested as a single portfolio and used as required to pay benefits.
For the Accumulation Plans most benefits are based on the balance in the member's account, which is made up of contributions (less expenses and tax) plus interest.
Note: For new members Defined Benefit Division is applied in the first instance. A member has 24 months to decide whether they wish to stay in the Defined Benefit Division or to transfer their existing defined benefit to Accumulation Super. After UniSuper have processed the new member application they issue to the member information on the plans including a Membership Options form for completion by the member.
Staff on "Tenurable/Tenured/On-going/Fixed 2 years or more" appointments receive:
University staff members may choose to pay their contributions at a lower level than the standard 7 per cent of salary. Further details can be found in the Contribution Flexibility Fact Sheet on the UniSuper website.
Staff may elect to forego the 3 per cent employer (Award) superannuation contribution to the Accumulation Plans and receive a 3 per cent non-superannuable salary loading in lieu. However, as stated in the UniSuper Consolidated Trust Deed, this is only possible if one of the following employee contribution rates is maintained.
|Before tax contribution level||After tax contribution level|
Further information is in the Product Disclosure Statement for Defined Benefit Division and Accumulation 2 Members and in the UniSuper Contribution Flexibility Fact Sheet [PDF, 159KB] for members receiving 14% Employer contributions.
In accordance with clause 32.4 of the UniSuper Consolidated Trust Deed, Professional / General Staff on salary classifications Level 1 to Level 4 have the option to apply for half-contribution membership – member contribution at 3.5% of salary (in lieu of 7% of salary). In this case the University will contribute 7% of salary and 3% of salary (in lieu of 14% % 3%). Information and application form can be obtained from HR website at HR Forms section.
Staff members who access Deferred Salary Scheme are able to elect to maintain superannuation contributions based on the full-time rate. Staff members are responsible for making the necessary arrangements for paying the difference between the employee’s proportional contribution and the employer’s contribution based on the full-time rate.
Staff on "Fixed" appointments (less than 2 years):
Casual Staff appointments and the staff member qualify under the Governments Superannuation Guarantee Contribution (SGC) regulations:
Superannuation contributions caps refer to any concessional contributions made to your superannuation fund (combined if you have several employers and several funds).
Concessional contributions are:
1. employer contributions (shown as "Subsidy" on your current payslip and "Employer Super" on historical payslips)
2. employee before tax contributions (shown as "Pre-tax super" on payslips).
Any after tax contributions are not accounted towards the superannuation caps.
Important: For Defined Benefit Division members, a Notational Tax Contributions apply to the Defined Benefit contributions. You can Login to the UniSuper Member Online (or contact UniSuper) to obtain your Notational Tax Contributions details.
The caps for 2015/2016 financial year are:
Under age 50
$30,000.00 pa for concessional contributions
$180,000.00 pa (or $540,000.00 over 3 years and under age 65) for non-concessional contributions
Age 50 and over
$35,000.00 pa for concessional contributions
$180,000.00 pa (or $540,000.00 over 3 years and under age 65) for non-concessional contributions
Employees can view their pay details - including superannuation contributions - through the Employee Self Service (ESS) online.
To obtain details of Superannuation contributions go to:
To estimate - at any time - the amount of concessional contributions for 2015/2016 financial year , refer to the historical payslips and add the following figures:
(*) Employee Pre-tax Super is comprised of salary packaged super plus voluntary extra contribution = column 6
(**) Employer Super is comprised of UWA contributions = column 11
The Year to Date contributions represent the current tax year up to and including the last pay period.
Super figures for the current pay period can be used to estimate the additional contributions* for future pay periods. (*Changes to UWA salary rates will affect the level of Superannuation contributions paid on future pay periods)
Estimated contributions for cap purposes are = (A) + (B) + (C)
There are 26 pays in relation to contributions paid to UniSuper for 2015/2016 financial year:
Employee are encouraged to seek independant financial advice and review their superannuation packaging arrangements on a regular basis and . The last pay relating to 2015/2016 financial year will close on Wednesday 2 June 2016.
For your reference UniSuper has a "Financial Advice Service". Should you require advice on this matter you may wish to contact UniSuper Advice Service, their number is 1300 331 685.
The University of Western Australia is required under the University Enterprise Agreement (refer to your relevant Agreement above) to make superannuation contributions for all staff to UniSuper. UniSuper is the industry super fund dedication to employees working in the higher eduction and research sector.
New employees are required to make an application to join a superannuation plan with UniSuper from their first day of work. Please refer to your contract of employment to find out which superannuation plan is available to you and which plan the University will contribute to.
To obtain a copy of the Product Disclosure Statement and UniSuper application form, please visit UniSuper website. The form is located at the end of the product disclosure statement. The form needs to be submitted to HR Employee Benefits section by mail (internal mailbag M350).
After a new member record is established on the UniSuper system the UniSuper Melbourne office issues to the member details of their membership and related information on the superannuation plans.
If you are an existing Member of UniSuper at the time your employment commences, please advise the University of Western Australia Human Resource of your existing UniSuper membership number.
Superannuation contributions and entitlements for the UniSuper Plans are calculated on the member’s basic salary level (award salary rate) and permanent/on-going allowances (if applicable).
Temporary allowances are not included as salary for superannuation purposes. UniSuper Trust Deed definition of "temporary allowance" being:
Contributions to the Superannuation Plans are not normally paid during any periods of unpaid leave.
Although contributions are not paid while the member is on unpaid leave membership to the Plans is maintained.
Should the member wish to pay contributions while on unpaid leave the contributions must be paid direct to UniSuper by the member.
A member can make "Voluntary contributions" either via payroll deduction or a lump sum payment (direct to UniSuper).
"Voluntary contributions" cannot be paid to the UniSuper Defined Benefit Plan.
Regular voluntary contributions via payroll deduction:
Lump sum contributions can be made:
For information on BPAY refer to the UniSuper website
Forms and the booklet "Building bigger benefits – Your guide to making more of your super" can be obtained from the UniSuper website or contact the Employee Benefits (Superannuation) – Human Resources.
Members can elect to salary package their 7% of salary member contributions required to be paid under their UniSuper plan membership.
Also a member can package additional voluntary contributions. The contributions are paid to the member’s UniSuper accumulation plan.
Information on the University’s salary packaging arrangements can be obtained by emailing email@example.com.
Note: It is employees's responsibility to advise HR of any change in their current arrangements (starting or ending a deduction).
Members may roll-over other superannuation benefits to their UniSuper plans (except the Defined Benefit Plan).
The roll-over can be effected either by the member completing the UniSuper "Benefit Transfer Form" (and forwarding the Form to UniSuper) or contacting their former superannuation fund and completing the appropriate forms.
The UniSuper "Benefit Transfer Form" can be obtained from the UniSuper website
Or contact the Employee Benefits (Superannuation) – Human Resources.
In most cases where a member is transferring to another university, UniSuper membership is transferred, as all Australian universities are part of the UniSuper superannuation plans structure.
Members transferring to another university should notify the Employee Benefits (Superannuation) – Human Resources.
Under Government regulations, in most cases superannuation benefits must be preserved in an Australian complying superannuation/rollover fund until retirement age.
At the time a member leaves their job the HR Services Team includes a copy of the UniSuper booklet "Leaving your job – A guide to your super options when you leave your job" with the University’s letter confirming the member’s resignation/retirement notice. The booklet provides an overview of the options available to the member in relation to their superannuation benefits in the UniSuper plans.
As superannuation membership changes on resignation/retirement the Employee Benefits (Superannuation) – Human Resources team notifies UniSuper that the member has ceased UWA employment (and where applicable confirm salary data and contribution data).
For retiring staff members the UniSuper (Melbourne) office will provide the member with details of benefits, benefit options and other related documents at the earliest possible date after retirement. The documents include a payment instructions advice for completion by the member. On receipt of the member’s payment instructions advice UniSuper will process the payment of benefits accordingly.
For resigning staff members the UniSuper (Melbourne) office will contact the member in due course to ascertain the member’s preferred option in relation to their superannuation benefits – retain benefits with UniSuper, transfer benefits to another superannuation fund are some of the options available.
As correspondence from UniSuper to members is sent to the member’s home/postal address any change of address should be notified, either direct to UniSuper or via Employee Benefits (Superannuation) – Human Resources.
The UniSuper website section "When I Change Jobs" provides detailed information when changing jobs.
Temporary residents departing Australia need to refer to the Australian Taxation Office.
UniSuper Consultative Committee Representatives
Academic Staff Representative
Professional and General Staff Representative