Special contribution arrangements for Police Officers, Magistrates and Industrial Commissioners
As an adviser, you would be aware that Gold State Super offers many unique member benefits, including special contribution arrangements for Police Officers, Magistrates and Industrial Commissioners.
Here’s an overview of these arrangements, and where you can find more details and examples on this website to help you support your clients.
Compulsory member contributions for Gold State Super
Most of our Gold State Super members contribute either 3%, 4% or 5% of their before or after-tax salary as their compulsory member contributions.
If a member has an Average Contribution Rate below 5%, they might be eligible to contribute 6% or 7% of their salary into their Gold State Super. In most cases, however, the Average Contribution Rate for Gold State Super members can’t be more than 5% over their total membership period.
The exception to this rule is the special contribution arrangements available to Police Officers, Magistrates and Industrial Commissioners, to help them maximise their Final Benefit when they retire.
How the Average Contribution Rate affects a member’s Final Benefit
While most super funds grow based on how its investments perform, Gold State Super grows by a percentage of the member’s final salary per year – their Average Contribution Rate. If a member achieves an Average Contribution Rate of 5%, they will receive the maximum employer contribution and subsequent benefit.
When we calculate a Gold State Super member’s Final Benefit, we use their:
- Average Contribution Rate (ACR)
- Completed months of equivalent full-time contributory service
- Final Remuneration
We use the member’s Completed Months of Service and Average Contribution Rate to work out their ‘Service Multiple’:
Then, we multiply their Service Multiple by their Final Remuneration to work out their benefit:
For every year a member contributes, 3%, 4% or 5%, they’ll accrue a certain percentage of their Final Remuneration for each year of equivalent full-time contributory membership:
| For every year a member contributes: | 3% | 4% | 5% |
|---|---|---|---|
They will accrue this percentage of their Final Remuneration for each year of equivalent full-time contributory membership | 12% | 16% | 20% |
Special arrangements for Police Officers, Magistrates and Industrial Commissioners
Police Officers, Magistrates and Industrial Commissioners with Gold State Super can apply to contribute more from the age of 45, if their Average Contribution Rate is 5% from the date they turn 45.
If their Average Contribution Rate is less than 5% at the time of applying to make additional contributions, they would need to also increase their underlying contribution rate to 7% (if this is not already the case) to be able to contribute the additional amount. This increase would only apply for the period needed to bring their Average Contribution Rate up to 5%.
To help you support your clients to make the most of their retirement savings, visit our Special contribution arrangements for Police Officers, Magistrates and Industrial Commissioners webpage. You’ll learn more about the additional contribution options and benefits available to eligible Gold State Super members, with examples showing how additional contributions can affect their Final Benefit.
Supporting your clients with Gold State Super
If you are listed as a third-party authority on a member’s account, you can contact us on 08 9211 6690 and ask for an account summary to check their Average Contribution Rate.
Gold State Super members can access or adjust their contribution rate by contacting our Member Services Centre on 13 43 72.
Learn more with workplace training
If you would like to learn more about how to maximise Gold State Super benefits for your clients with this account, contact your Relationship Manager, Greg Stewart at greg.stewart@gesb.wa.gov.au.
Greg is available to present a technical training session in your workplace, which can now provide points towards your annual continuing professional development (CPD) training requirements.
1 Note that additional contributions can be made to age 60 in some circumstances. Please contact us on 08 9211 6690 for more information.
Page last updated 03 November 2026Thank you for printing this page. Remember to come back to gesb.wa.gov.au for the latest information as our content is updated regularly. This information is correct as at 03 November 2026.