FAQs

If you voluntarily withdraw your Gold State Super membership, you cannot re-join the scheme, as it was closed to new members on 29 December 1995.

However, you may apply to continue your Gold State Super membership in either of the following circumstances:

• Your membership ended because you stopped working in the WA...

Gold State Super is a defined benefit scheme. This means your Final Benefit is determined by applying a fixed, or 'defined', formula. On this page we’ll explain how you can calculate your Gold State Super benefit.

• Time it takesIt can take up to 20 minutes to...

Your Final Benefit for Gold State Super is based on your years of service and an average of your equivalent full-time remuneration before you stop contributing to your account.

The rules about which payments can be included as part of your remuneration are determined by the provisions of the State Superannuation...

Your Gold State Super Final Benefit is based on your Gold State Super remuneration.

If your equivalent full-time Gold State Super remuneration is reduced, your benefit will also be reduced.

Salary maintenance allows you to preserve the value of the benefit that you have already accrued, and could help to protect the...

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

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%.

Your super is likely to be one of your most significant assets, so it’s important to know what will happen to it after you’re gone or if you get injured and are unable to work.

Our schemes are unique and our rules for payment of super benefits after a member's death...

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

You’re covered 24 hours a day, seven days a week, no matter where you are.

Here’s a summary of the insurance...

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.

We don’t deduct any charges from your account for administration, insurance or other running expenses. Please see the Gold State Super fees page for more information about fees and other costs.

At some point in your working career, you may need to take unpaid leave. Your unpaid leave could impact your super and your insurance cover, depending on the length of time you take and the reason why you take it. On this page you’ll find information about the impact of...

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 a number of factors including the type of leave and the type of super account you have with us. The following conditions...

If you are a Gold State Super member, your super continues to grow while you work part-time. Here, we explain how choosing to work part-time will have an effect on your final Gold State Super benefit.

To calculate your Gold State Super Final Benefit, we use...

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...

Redundancy can have a serious impact on you and it is important to know how it can impact your super and what you can do.

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 which you...

Most super funds are 'taxed' funds, which means the tax is paid up front, except for a few public sector funds, which are ‘untaxed.’

Untaxed does not mean no tax applies, but instead tax is charged when your benefit is paid or rolled over to a taxed scheme.

Gold State Super, West...

Division 293 tax reduces the tax concession that higher income earners can receive on certain super contributions.

Concessional (before-tax) contributions are generally taxed at a rate of 15%, up to your concessional contributions cap.

If the sum of your ‘income’¹ and ‘low tax contributions’² exceeds the high-income threshold of $250,000 for the...

Certain contributions made to your super could be subject to an extra tax known as the Superannuation Contributions Surcharge. This page is designed to help you understand what the Superannuation Contributions Surcharge is and whether it affects your super.

The Superannuation Contributions Surcharge, or ‘Super...