FAQs

You can only salary sacrifice into your GESB Super or West State Super account if you are currently employed in the WA public sector.

A casual employee means you are:

• Engaged by a Participating Employer (an employer that is eligible to make contributions to your GESB Super or West State Super account)
• Paid at an hourly rate
• Not entitled to be paid annual leave or sick leave in your employment

You are also considered a casual employee if...

A taxed fund, such as GESB Super, is one where a 15% contributions tax applies on taxable contributions (such as employer or salary sacrifice contributions) when they are received by the fund. Investment earnings in a taxed fund are taxed at a maximum rate of 15% in the year that...

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.

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.

No, insurance cover is not provided for members of Retirement Income Pension (including RI Allocated Pension and Transition to Retirement Pension).

A non-commutable income stream means you receive a regular income from your super but can’t make lump-sum withdrawals.

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.

When you open an 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, but cannot be made into a credit card or overseas account.

If you need to make a claim, the first step is to call us on 13 43 72 between 7.30am and 5.30pm (AWST), Monday to Friday. Our insurance claims consultants will help you with lodging your claim and provide you...

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.

Salary Continuance Insurance (SCI) provides a monthly income of up to 75% of your pre-disability annual income for up to two years if you become disabled due to sickness or injury. In addition, you may also be entitled to a Superannuation Top-Up Benefit.

As of 1 July 2015, our West State Super and GESB Super schemes are no longer listed as Qualified Recognised Overseas Pension Schemes (QROPS). This means we can’t accept UK pension transfers.

Combining your super means transferring the money from your other super accounts into just one account.

Every time you've changed jobs, you may have opened another super account. Keeping track of small amounts of super can be a hassle, and it's likely that money in these separate super accounts is being...

Salary sacrifice is an agreement between you and your employer where you agree to ‘sacrifice’ part of your future before-tax salary. The amount you sacrifice can be paid into your super account by your employer (rather than taking it as salary).

You can salary sacrifice to your GESB Super or West...

No, you can keep working full time and access your super benefit. If you want to reduce your working hours you will need to discuss this with your employer.

GESB Super, Retirement Income Pension (including RI Allocated Pension and Transition to Retirement Pension), RI Term Allocated Pension, West State Super and Gold State Super are all complying super funds for taxation purposes.

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%.

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.

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...

For us, and other funds that unitise their investments, the risk of unit pricing errors is one of our most significant operational risks. We have robust processes in place to keep any risk of pricing errors to a minimum.

The Super Co-contribution is a way for the Commonwealth 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 ...

Spouse contributions 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 partner (of any gender) who lives permanently with you on a bona fide domestic basis, at the time...

The maximum you can withdraw from your pension is 10% of your account balance, calculated when you first open your account and on 1 July of each year after that. This amount is not pro rata.

If you have a GESB Super, West State Super or Gold State Super account, you can make after-tax contributions. You don’t have to be currently employed in the WA public sector.

If you only have a Gold State Super or Gold State Super deferred account with us, we will automatically open...

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.

Once you’ve logged in to Member Online, visit the ‘Insurance’ page.

Select the ‘Apply for insurance’ button.

To make sure only you can apply for insurance within your account, we’ll send a code to your mobile or email for you to complete our two-part identity check known as multi-factor authentication (MFA).

As...

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 or partner could pay a lower rate of tax than you, when...

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...