Frequently asked questions

When you register to attend a webinar, you’ll receive a confirmation email. Click the link in this email to join the webinar.

The summary should show the reportable employer superannuation contributions (RESC) amount. For more information, please visit the ATO website.

Yes. As a WA public sector employer, you need to pay SG contributions for all eligible employees regardless of what they earn.

From 10 December 2020, Westpac no longer accepts direct debit payments for Choice of Super contributions. Westpac provides our online Clearing House service for employers.

Previously, if you were using our Clearing House to pay your employees’ choice contributions, you...

Centrelink’s ‘Details of income stream product’ form (SA330) is used by Centrelink to calculate your eligibility to receive a payment. You may be asked to provide this form when applying for a government pension or providing information on your income.

GESB is...

You can make sure your super isn’t at risk of becoming lost by:

• Telling us if you change address, phone number or email address
• Making regular contributions to your super account
• Logging into Member Online to manage your super regularly
• Providing us with your tax file number in Member Online - this will...

A Superannuation Product Identifier Number (SPIN) is a number that was previously used to identify a super fund or scheme. The SPIN was replaced by the Unique Superannuation Identifier (USI) as part of Australian Government’s Stronger Super reform in July 2014.

To protect your privacy, we will only release information about you to another person if we have your written consent, unless we are required to provide such information by law, such as to Centrelink.

You can give another person, such as your financial adviser, your partner or a family member, access...

A third party authority allows the authorised person (or employee, if it’s for an organisation), to access the information we hold about you and your accounts.

This may include:

• Your personal and employment details
• Your account balance
• Details of your transactions
• Information about how your funds are invested
• Details of any insurance within your account

The authority...

A third party authority is someone who you would like to authorise to access your super account on your behalf.

It can be a personal representative (such as a family member or friend) or a professional representative (such as your tax accountant or solicitor).

To nominate a third party authority, you’ll need...

No - if you started employment as a casual employee in the WA public sector on or after 1 July 2010, you aren’t eligible for automatic basic cover.

You may be able to opt in for basic cover without completing a full insurance application....

Yes. If you opt in within 90 days of us receiving your employer’s first Superannuation Guarantee (SG) contribution, you may be eligible for basic cover. If you apply after 90 days, or if you apply for a higher level of cover...

If you were initially employed on a casual basis, and you are later made permanent or employed on a contract (not as a casual) with the same employer, we may provide you with insurance cover, subject to certain eligibility rules from a date determined by GESB and the Insurer. If...

We may call you about your super, if:

• We’re getting back to you about a query you’ve made, such as an email or Member Online enquiry
• You’ve submitted an insurance claim or complaint
• You’ve made a request to discuss and book a Retirement Options Service appointment

We may send you an SMS for specific...

A fossil fuel exclusion is applied to the Sustainable Balanced plan, with varying definitions and revenue thresholds adopted across asset classes.

For example, within the Australian Shares asset class for the Sustainable Balanced plan, the portfolio does not invest in companies which directly extract or explore fossil fuels (i.e, coal, oil...

Within the Alternatives asset class, the Sustainable Balanced plan invests in listed infrastructure securities with an emphasis on operating infrastructure assets in wind and solar alongside exposure to other diversifying sectors.

For details about the Sustainable Balanced plan criteria, read the Investment choice brochure (for GESB Super or West State...

The investments within each asset class are assessed or selected based on different sustainability characteristics In general, the sustainability characteristics set by Pendal cover issues such as environmental management, social practices, corporate governance and ethical practices.

You can find some examples in our Sustainable Balanced plan page.

Details can be found...

There are several differences between the Sustainable Balanced plan and GESB’s balanced options, namely My West State Super and GESB Super Balanced plans.

The Sustainable Balanced plan has a higher risk level than our balanced plans, with a more growth-orientated mix of investments. However, it remains within the SuperRatings defined range...

GESB incorporates ESG considerations throughout the investment process, starting with setting the investment strategy through to engaging with investee companies and proxy voting.

For the Sustainable Balanced plan, Pendal is the investment manager. Pendal’s integration of ESG considerations is an extension of our approach to responsible investing. When determining the...

We report on plan performance for the past month, one year, three years, five years and 10 years.

As the Sustainable Balanced plan was launched on 27 September 2023, there is not enough data available to provide historical performance for the required reporting periods.

Once we have received the data for the...

You can have a Bone Mineral Density Test. Not everyone is funded for this though.

Read more in the Healthy Bones Australia Bone Density brochure.

Not that I am aware of, but never say never.

This is out of my scope, but some women do report benefits. The AMS has a fact sheet about complementary therapies that may provide more information.

Women do experience palpitations in menopause, but I would suggest seeing your GP if you have symptoms, as it can be caused by other reasons.

Someone’s symptoms, generally.

You can be considered for low bone mineral density now. Have a look at the AMS symptom score card (provided above).

Most women’s symptoms resolve, but not all symptoms resolve for every woman - we never say never or always in medicine.

Read more in the AMS Menopause symptoms fact sheet.

This depends on cause, but if related to oestrogen deficiency from menopause, either systemic or local oestrogen, or use of lubricants.

The cognitive health and dementia deduction tool explores some of the modifiable risk factors for dementia.

It is validated to use on anyone over the age of 18.

After you have completed the assessment, it will calculate your risk – if you are over 40,...