Frequently asked questions

West State Super members can direct employer contributions - government and non-government employer contributions (if they have a second job) - to a GESB Super account.

If a contributing West State Super member requests you to direct future contributions to a GESB Super account, you will need to contact us.

Employer Online...

No.

No. WA public sector employers need to comply with the Commonwealth's OTE requirements, as well as the SG obligations in the State Superannuation Regulations. As a general rule, you need to first comply with the Commonwealth's OTE requirements. If a payment is excluded under the OTE definition, you still need...

For information about allowances for employees with a taxed scheme (such as GESB Super) visit the ATO's website. For employees with an untaxed scheme (such as West State Super or Gold State Super) contact your Relationship Manager. If you have an issue...

Yes, you need to pay SG contributions for all eligible employees regardless of their age. Age limits do not apply to our GESB schemes.

If your super is an untaxed scheme, this means tax is charged when your benefit is paid or rolled over to a taxed scheme. It does not mean no tax applies. Gold State Super, West State Super and the WA Public Sector Pension Scheme are all untaxed schemes.

Most super funds...

If you’re like most GESB Super and West State Super members, your Death cover, Total and Permanent Disablement (TPD) cover and Salary Continuance Insurance (SCI) cover will be provided as:

• Basic cover - which is the standard level of cover provided to eligible members. The amount of cover is explained below.
• Voluntary...

If you are a Gold State Super or West State Super member and have an eligible service period that commenced before 1 July 1983, this page is designed to provide important information about your eligible service period and how your tax components are calculated. If you would like to confirm...

If your employer pays your Superannuation Guarantee (SG) contributions into your GESB Super or West State Super and you’re under 65 and meet certain eligibility criteria, you will be automatically covered for:

• Death and Total and Permanent Disablement (TPD)
• Salary Continuance Insurance

If you started working on a casual basis on or after...

If your role in the WA public sector is made redundant, it’s important to know how this can impact your Gold State Super.

Your entitlement and benefit options will depend on whether you have turned 55 and reached the Commonwealth preservation age.

This...

Spouse contributions are contributions you make on behalf of your partner to their super account from your after-tax income. They allow you to grow your joint savings for retirement, and in most cases, receive a number of tax benefits.

A spouse, for these purposes, is your husband, wife or de facto...

If you’re a GESB Super or West State Super member, contribution splitting allows you to share some of your super contributions with your partner. If you’re a single income family, this means you can make use of the same tax incentives available to dual income families.

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.

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).

To arrange either before-tax (salary sacrifice) contributions or after-tax contributions to your super through your employer's payroll department, here's what to do.

• Time it takes Approximately 15 minutes to complete the form
• Cost No set up fee
• Result You’ll help grow your super, which means you...

An after-tax personal contribution is one you make yourself. It is separate to the 12% Superannuation Guarantee (SG) contributions that your employer pays into your super account.

You can make after-tax personal contributions by:

• Adding to your super from your take-home salary
• Using lump-sum amounts such as inheritance, lottery winnings or money from...

There are a number of potential tax benefits in making spouse contributions, such as:

• You could receive a tax offset of up to $540 per financial year, if you meet certain criteria
• Your spouse contributions are tax-free upon withdrawal

Your spouse will also be able to access our member benefits if they don’t...

There are a few ways to make an after-tax personal contribution to your super. For step-by-step instructions select your preferred option below:

• Pay through your employer’s payroll department
• Use...

Making a contribution to your spouse’s super is a great way to build your shared retirement savings.

There is no minimum contribution you need to make. If your spouse doesn’t already have an account with us, we will automatically open a GESB Super account for them.

Below you’ll find the steps you...

If you have not made a spouse contribution before, then you will need to complete the Spouse contribution - first contribution form.

Once you’ve made your first spouse contribution, the process for adding money to your partner’s super account becomes easier. Here are the steps you need to take.

In line with Australian super laws, you generally need to wait until you meet a condition of release (such as turning 60 and retiring) before you can access your super, even if you move overseas.

You could be eligible to access your super if you are a temporary resident permanently leaving...

Your super is designed to help you save for retirement and has tax benefits, so there are rules about when you can access the money.

Your 'Commonwealth preservation age' is the minimum age you can access your super. Until you reach this age and have retired, you can’t access your super...

If you choose to leave the WA public sector before you retire, you can still take advantage of the unique benefits offered by Gold State Super. Your entitlement and benefit options will depend on whether you have turned 55 and reached the Commonwealth preservation age¹.

This page outlines some important information...

Once you reach your Commonwealth preservation age, you can use your super money to start a transition to retirement...

When you die, your super becomes known as a 'death benefit'. This includes the balance of your super account, plus any insured benefit that you may have within your super.

What happens to your death benefit will depend on your circumstances at the time of your death:

You can...

On your Member Online dashboard and the ‘Contributions’ page, you can check how much you have contributed towards your concessional contributions cap.

Your concessional contributions cap is the total amount of before-tax contributions you can make before you may have to pay extra tax. If you make contributions over the...

On your Member Online dashboard and the ‘Contributions’ page, you can check how much you have contributed towards your concessional contributions cap.

Your concessional contributions cap is the total amount of before-tax contributions you can make before you may have to pay extra tax. If you make contributions over the...

At the moment, your member statements are the only documents to appear in the document section of your Member Online inbox. For the last two completed financial years, we’ll also have a link for you to access your online statement summary. You won’t need to log in separately to access...

You can find your account balance at the top left of your personalised dashboard when you first login to Member Online, or on the 'Accounts' page.

This figure is based on the end of day for the previous business day and shows the date at which the balance is current.

You can...

Your statements are in your Member Online inbox, which you can access by clicking the envelope icon on the top right-hand side of your screen.

You’ll know when you have unread mail, such as a new statement, as a red...