Frequently asked questions

You can use Member Online to roll other super into your GESB Super or West State Super account. This is also known as consolidating your super.

Please note, if you transfer your full account balance from another fund into your GESB account, this will close your account and is likely to...

The regulations may change, depending on the scheme. The State Superannuation Act and Regulations will continue to apply to you as an employer and the schemes we manage. Other funds are regulated under Commonwealth legislation and administered according to the rules of that relevant scheme.

If you have a Gold State Super account, you need to make regular contributions to the scheme from your pay. These are known as compulsory member contributions.

You can contribute 3, 4 or 5% of your pay

You can make member contributions into your Gold State Super using 3%, 4%, 5%,...

Each time you receive a regular payment or a one-off lump sum withdrawal from your RI Allocated Pension account, your balance will be reduced.

You will keep receiving payments until there is no money left in your account. How long this income will last depends on:

• How much you initially invest
• The ...

GESB Super members only

You may be able to claim a tax deduction – or make changes to a tax deduction – for personal concessional contributions you have made to your GESB Super account.

Before you get started

We recommend that you seek professional financial advice and/or tax advice if you...

Check and update in Member Online

You can check and change your details in Member Online at any time. If you need to change your contact information, log in and then update the Personal details page.

• Updating your address, phone number or email
• Providing...

If you decide to return to work after opening an RI Allocated Pension, you have a few options.

Option 1: You can keep your account and continue to receive your pension income. When you stop working at a later date, you can open a second pension account.

Option 2: You can choose...

Salary sacrifice is a great way to boost your super, but there are some circumstances where it might not be the right choice for you.

Here’s where salary sacrifice could be a disadvantage:

• If your taxable income is less than $90,000 and you access your benefit before your preservation age, your overall...

If you have an RI Term Allocated Pension account and need to change your payment amount, frequency or other personal details, please contact your Member Services Centre on 13 43 72.

If you have a Retirement Income Allocated Pension or Transition to Retirement Pension, you’ll need to:

1. Download and print our ...

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...

At some point in your career, you may need to take unpaid leave. The impact your leave will have on your super and insurance cover will depend on the length of time you take and the reason why you take it.

Unpaid leave for GESB Super and West State Super members

When...

If you’re employed in Reserve or Active service in the Australian Defence Forces, taking military leave can impact your insurance with your GESB Super or West State Super account.

You are not covered while on Active Service

Active Service means, whether in Australia or overseas, participation in the armed forces of...

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If you overpay West State Super and/or GESB Super contributions, these can’t be recovered automatically without approval from us and your employee first.

For more information on the refund recovery procedures, watch our recorded webinar, download the superannuation overpayment process flowchart...

If a Gold State Super member is making salary sacrifice contributions (i.e. before tax), these contributions are considered RESC.

When you open a retirement pension account, you choose which eligible bank account your payments will be made into. Your payments will be fast, safe, automatic and convenient.

Please note, your payments must be made into an account in your name and cannot be made into a credit card or overseas

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...

You can choose to have your pension payments made monthly, quarterly or annually. You can change your payment frequency at any time. Pensions are paid on, or before, the 15^th day of the month.

You can have joint/muscle pain, but not everything is due to menopause. I suggest you see a GP to discuss, or a podiatrist is also useful for feet issues.

Progesterone belongs to a group of steroid hormones called ‘progestogens’ (which are hormones that have a similar action to the natural hormone progesterone). Synthetic hormones that have a similar action to progesterone are called ‘progestins’.

Watch our menopause awareness webinar above for more information about the hormones affected by menopause.

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.

Some of your super can...

If you are under 65 years old when you join GESB Super or if you’re already a West State Super member, you’re automatically eligible for:

• Death (including Terminal Illness) cover
• Total and Permanent Disablement (TPD) cover
• Salary Continuance Insurance cover

Other eligibility conditions apply - and these will be different if you’re a ...

Combining, or rolling over, your super means transferring the money from your other super accounts into just one account. This could be because you have more than one account with one super fund, or you have multiple accounts with different super funds.

Every time you've changed jobs, you may have opened...

Once you have reached your Commonwealth preservation age, Transition to Retirement (or phased retirement) allows you to turn your super into a non-commutable income stream.

You can then use this regular income to work less hours, without reducing your income. You can also grow your...

Your pension income and account balance will be taken into account by Centrelink and/or the Department of Veterans Affairs in determining what other payments you might be eligible for.

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ON24 is easy to use and you don’t need to create an account to join a webinar.

When you register for a webinar, we send you a confirmation or reminder email with an ON24 link. Use the link in the email to join the webinar on the day.

Important checklist for...

The requirements depend on a range of factors. Visit the ATO's website or contact your Relationship Manager for information onrequirements for an effective salary sacrifice arrangement with an employee.

Choice of Super doesn’t apply in some circumstances. You don’t need to offer Choice of Super to members of defined benefit schemes such as Gold State Super and the WA Public Sector Pension Scheme. Contributing members of Gold State Super can withdraw from the scheme and ask that you make...

The Super Co-contribution is a way for the Australian Government to help you save for your retirement. If you are a low-income earner, you may be able to take advantage of the super co-contribution by making personal after-tax contributions to your super fund.

To qualify, you’ll need to meet certain ...