Frequently asked questions

1. Log in to Employer Online and navigate to the 'maintenance' section, and select 'fund search'.

2. On the 'fund search' page you can search for a fund by entering the fund's name, Unique Superannuation Identifier (USI), Superannuation Product Identifier Number (SPIN), Superannuation Fund Number...

Your super may be considered lost if it fits the definition of uncontactable or inactive.

This means:

• Uncontactable - you have never provided a contact address, or your recorded contact details have become invalid (for this to happen, we must receive two pieces of returned mail and/or a returned email for the...

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...

If you work in the Australian Defence Forces, being on military leave for Reserve or Active service can have an impact on your super.

The impact can depend on multiple factors including the type of leave and the type of super account you have with us. The following conditions can apply...

Your Gold State Super includes basic death and disability insurance cover at no extra cost, for as long as you're making contributions, and until you turn 60.

If you decide to set up a transition to retirement income stream, your income will be taxed in the following way:

• Investment earnings are taxed at a concessional rate of up to 15%
• If you're aged 60 or over, you won’t pay tax on your income payments

• Transition to retirement
• ...

RI Allocated Pension allows you to invest your super as a lump sum and receive a regular income stream.

You can transfer your super to a RI Allocated Pension and it will be invested in the plan of your choice. You draw regular pension payments, and are able to withdraw lump...

Your super may be considered lost if it fits the definition of uncontactable or inactive.

This means:

• Uncontactable - you have never provided a contact address, or your recorded contact details have become invalid (for this to happen, we must receive two pieces of returned mail and/or...

Yes - you can view or download our full stock holdings for each asset class in our investment plans. This information is updated every six months.

If you have already registered for a webinar, you can enter your e-mail address in the registered users section of the registration page. Please make sure you have cookies and JavaScript enabled on your computer.

If you have pop-up blocking software installed and it is active, it may be blocking the presentation from opening. You may need to temporarily disable the pop-up blocking software so you can participate in the webinar.

No. You only need to show the RESC amount on your employees' payment summary.

The Australian Government has set rules (known as ‘conditions of release’) about when you can access your super money.

One of these conditions is reaching what’s known as your Commonwealth preservation age. If you are aged 60 or more, you have now reached your Commonwealth preservation age and could be...

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...

First, you need to make an after-tax personal contribution to your super before the end of the financial year.

Each year, we report members' contributions to the Australian Tax Office within 10 business days of the event or allocation to your account. The ATO uses this information, together with your tax...

To receive a co-contribution you need to meet certain eligibility criteria. You're eligible for a co-contribution payment if you:

• Have made one or more personal after-tax contributions to your complying super fund (such as GESB Super or West State Super) in the financial year
• Have a total income of less than the...

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...

If you’re a GESB Super or West State Super member with insurance cover, you might be eligible to join our Professional and Executive occupation category. If you meet the eligibility criteria, you could keep your current level of cover but reduce the premiums you pay.

To apply, download our ...

Forward unit pricing means that the unit price we declare for any given day is based on the value of our assets at the close of business that day.

We work out the unit price for Monday, for example, based on the value of our assets at the close of business...

No. Our GESB Super and West State Super schemes are not listed as Qualified Overseas Pension Schemes (QPROS), so we can’t accept UK pension transfers.

Gold State Super is a defined benefit scheme. This means your Final Benefit is determined by applying a fixed, or 'defined', formula.

You can use our Gold State Super calculator to work out how much you could have in your Gold State Super account by the time you retire.

You can also...

You can contribute 3%, 4%, 5%, 6% or 7% of your wage or salary to your Gold State Super account. Your Average Contribution Rate can’t be more than 5%.

A non-commutable income stream means you receive a regular income from your super but can’t make lump-sum withdrawals. Our Transition to Retirement Pension is an example of a non-commutable income stream.

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...

There are limited circumstances where you may be allowed to access your super before you retire. These include access on compassionate grounds and due to severe financial hardship.

If you meet eligibility criteria, you may be able to access your super to help you or your dependant(s), such as...

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...

The term ‘webinar’ is a combination of the words ‘web’ and ‘seminar’. A webinar is a video workshop, lecture or presentation hosted online using software that allows you to see and hear the host and other attendees.

It allows you to join a seminar without physically attending. You can use a...

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