How to start salary sacrificing

Salary sacrifice contributions are a simple way to grow your super. You can contribute to your GESB Super or West State Super account through your payroll if you’re currently working in the WA public sector.

If you’re a Gold State Super member and you would like to make salary sacrifice contributions over your maximum Average Contribution Rate, they need to be made to your GESB Super or West State Super account. If you don’t already have one of these accounts, we can automatically open a GESB Super account for your extra contributions.

If you’d like to complete a payroll deduction form to start making salary sacrifice contributions, you’ll find the steps to follow on this page.

1. Learn about salary sacrificing

We recommend you read the information below to check that making salary sacrifice contributions is the right option for you:

2. Work out how much you would like to salary sacrifice

Before you complete the payroll deduction form, you need to know how much you’d like to contribute to your super through salary sacrifice. You can choose any amount that suits you.

If you’re not sure how much you’d like to contribute, try our Retirement planning calculator.

3. Download the form

First, click the hyperlink to download a Payroll deduction form. You will need to print out the form as you cannot type directly into it.

You can use the Payroll deduction form for both salary sacrifice contributions and after-tax contributions.

When you complete the form, you’ll need to take six simple steps.

4. Provide your personal details

Payroll deduction form - your details

These details include your name, date of birth, and your payroll number if you know it. This will make it easier for your payroll department to process your request.

5. Enter the amount you would like to contribute

Payroll deduction form - contribution amount

Here is where you need to write the amount you would like to contribute from each pay. You need to enter any dollar amount or the percentage of your pay that you would like to contribute in the top boxes for salary sacrifice contributions.

Again, if you’re not sure how much you’d like to contribute, try our Retirement planning calculator.

6. Confirm that you’re eligible to make salary sacrifice contributions

Payroll deduction form - eligibility

You can only contribute extra to your super when you are under the age of 65 or, if you are between 65 and 75, you must have worked at least 40 hours in a period of 30 days in the current financial year.

7. Select your super account

Payroll deduction form - nominate your account

In this step, you need to select GESB Super or West State Super depending on which account you have. If you’re not sure which account you have, check your last member statement, visit the Which super account do you have page or login to Member Online.

If you’re a Gold State Super member and don’t have one of those accounts yet, we’ll open a GESB Super account for you.

8. Read and sign the declaration

Payroll deduction form - declaration and signature

When you sign the form, you’ll need to acknowledge that you understand the conditions that apply to your super account. All of this information is included in the Contributing to your super brochure.

You can contribute more than 50% of your salary to super through salary sacrifice, but the government requires you to talk to a financial adviser if you do this. This is to make sure that your salary sacrifice contributions won’t have a negative impact on your situation.

9. Give the form to your employer’s payroll department

Now that you’ve completed and signed your payroll deduction form, you need to lodge the form with your payroll department.

We cannot process salary sacrifice contributions as they are taken out of your pay. So you will need to hand the form to your employer to start salary sacrificing.

For most WA State Government employers, this is all you need to do. If you’re using a salary packaging provider for another salary packaging arrangement, check with your employer first. Some employers will ask you to go through that provider to make salary sacrifice contributions to your super.

Page last updated 19 March 2019