Check your super member statement and your payslips:
Regular sums should be placed into your account, according to your most current super member statement. These figures should correspond to the figures on your paystubs or yearly payment outlines.
If you forget the name of your super fund talk to your employer. You can also opt for your own super fund if you like.
Bring any discrepancies between your super and income accounts to the attention of your employer:
It could be a simple blunder or anadmin snafu. Request that they take measures to recover any funds that have gone missing from your retirement account.
If your employer still refuses to pay any of the super you’re eligible to after you’ve followed all that is mentioned above, call the ATO at 131 020.If you have an injury or sickness that affects your work, you may be entitled to compensation for the disability insurance benefits you lost or never got since your employer did not make any contribution to your super.
3. Reach out to your employer
If you notice a discrepancy between your super and income statements bring it to your employer’s attention. It might be a simple mistake or administration delay. Request that they take steps to restore any missing funds from your super account.
If you’ve followed the steps above and your employer still won’t pay or any of the super you’re entitled to, it’s time to notify the ATO on 131 020.
If any part of this process makes you feel overwhelmed and you want a trusted expert in your corner, get in touch with our unpaid superannuation lawyers. We are here and ready to help you claim your unpaid super.
We even offer ‘no win, no fee’* arrangements for unpaid super claims. This means that you don’t have to pay for our legal services if we don’t win your case. We have superannuation and insurance claims lawyers in Melbourne, Sydney, Brisbane, Perth, Adelaide, Darwin and throughout regional Australia.
And remember, time limits apply on collecting your unpaid super, so contact us today to receive a free superannuation and insurance check and find out how we can help.
Frequently Asked Questions
It’s best to claim your unpaid super as early as possible but not later than five years from when it was due. This is because if your unpaid super claim falls in a financial year that ended five or more years ago, your employer may no longer have your employee records on file (because by law, they only have to keep them for five years). This means that the ATO might not be able to access your record and therefore refuse to pursue your claim.
The current minimum super guarantee is 9.5%. To calculate your super entitlements, multiply your gross (before tax) salary by 9.5% (or 0.095).
You can claim unpaid super if you are:
- 18 years old or over
- employed work full time, part time or casually
- You earn more than $450 (before tax) per month
The ATO can help you recover your unpaid super. Your local Maurice Blackburn team can also help you through every step of the process.
Your unpaid superannuation lawyers can help you in four key ways, including:
- Offering you advice about your rights, free of charge
- Advising you on whether or not your claim will be valid or accepted
- Taking charge of any necessary correspondence with your employer, the ATO and your super fund
- Making sure you receive every last superannuation benefit you earned while you were working
