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  • Unpaid super from your employer

    If you think your employer isn’t paying your super guarantee contributions, follow the steps below:

    1. Find out if you are entitled to the super guarantee
    2. If you're unsure how much super guarantee your employer should be paying, you can use the estimate my super tool
    3. Talk to your employer. Ask them how often they're currently paying your super, which fund they're paying to and how much they are paying.
    4. Confirm how much super guarantee you have received by:    
      • checking member statements from your super fund or contacting them to confirm whether your employer has paid your super contributions
      • creating or using your existing myGovExternal Link account to access online services. This allows you to check how much super has been paid into your super fund, as well as details of all your super funds, including any you have lost track of.
       
    5. Lodge an enquiry. If you've completed steps 3 and 4 and still believe your employer isn't paying enough or any super – or isn't paying the super to your chosen fund – you can report your employer using our online tool.

    Our collection approach to unpaid super

    If your employer doesn't pay the minimum amount of super guarantee (SG) into the correct fund by the due date, they may have to pay the super guarantee charge (SGC).

    We may instigate an investigation of an employer's super guarantee compliance or we may investigate in response to an employee enquiry. If we determine that your employer (or former employer) has not complied with their SG obligations to you, or we reasonably suspect this to be the case, we may disclose these details to you.

    From 1 April 2019, the law will allow us to disclose an employer's non-compliance to affected employees, even if they have not lodged an enquiry with us.

    We prioritise the collection of unpaid SGC debts. We'll work with employers who engage with us to address their debt. For those that don't engage, we'll take stronger action.

    This can include:

    If you've chosen to report your employer, we'll keep you updated throughout the investigation. If we establish there is an SGC debt, we'll inform you of the recovery actions we're taking. You can also phone us 13 10 20.

    Any SGC we collect from your employer is distributed to your super fund.

    See also:

    Last modified: 13 Mar 2019QC 47931