FAQs

Centrelink’s ‘Details of income stream product’ form (SA330) is used by Centrelink to calculate your eligibility to receive a payment. You may be asked to provide this form when applying for a government pension or providing information on your income.

GESB is...

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.

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

To look after the financial well-being of your dependants, you can submit a ‘binding death nomination’.

Retirement Income Pension account holders also have the option to set up a ‘reversionary beneficiary’ instead of a binding death nomination.

A binding death nomination is a written direction from a member to their...

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...

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...

You can combine your other super accounts into the account you hold with us by providing the details online or by completing a printed form.

Using Member Online is the quickest way. Visit the Member Online help guide...

You can choose to change or ‘switch’ the investment plan for your GESB Super, West State Super or Retirement Income account at any time. To do this, you can either:

• Submit an investment plan change through Member Online
• Complete and send...

If you have not made a spouse contribution before, then you will need to complete the Spouse contribution - first contribution form.

Once you’ve made your first spouse contribution, the process for adding money to your partner’s super account becomes easier. Here are the steps you need to take.

Before you can withdraw part or all of your super, or set up a Retirement Income Pension account, we need to confirm your identity. This is to prove you are the person who owns the super entitlements.

If electronic identity verification is available...

To arrange either before-tax (salary sacrifice) contributions or after-tax contributions to your super through your employer's payroll department, here's what to do.

• Time it takes Approximately 15 minutes to complete the form
• Cost No set up fee
• Result You’ll help grow your super, which means you...

You can check your details in Member Online at any time. If you need to make a change to your contact information, you can update the ‘Personal details’ page once you login.

• Updating your...

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...

If you have been diagnosed with a terminal illness, you may be able to access your super early, even if you don’t have insurance with your super account.

If you do have insurance, you may need to draw on your super while we are assessing your insurance claim.

We appreciate this is...

Like many other funds, we value your account using units.

When you, or your employer, make a contribution to your account, you purchase units in your investment plan. The units change in value as the value of the underlying asset classes (which make up the various investment plans) either increase or...

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.

When...

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...

Once you've decided when to retire, you also need to choose how you want to take your super money.

How you choose to take your super will depend on whether you're likely to return to work, whether you'd like a regular income from your super and if you'd like to make...

You can close your account or make withdrawals of $1,000 or more by completing and submitting a Withdrawal form.

We aim to process your application within 10 working days after receiving your form and necessary information, including information from your employer. However, there are circumstances where it may take...

We use unit prices to value your investment in GESB Super, West State Super, RI Allocated Pension, Transition to Retirement Pension and RI Term Allocated Pension. You can search for unit prices dating back to 1 July 2001 or when your investment plan was introduced.

If you’re talking to an adviser,...

Making a contribution to your spouse’s super is a great way to build your shared retirement savings.

There is no minimum contribution you need to make. If your spouse doesn’t already have an account with us, we will automatically open a GESB Super account for them.

Below you’ll find the steps you...

Currently, you can only have employer contributions paid into your GESB account by a WA public sector employer. This means you’ll need to have your new contributions made to another super fund. However, we’re working on making changes so that in the future you can keep your private sector contributions...

When you open a RI Allocated Pension account, you might need to pay tax on the money you transfer from your super. How you’re taxed depends on whether you have a taxed fund, like GESB Super, or an untaxed fund, like West State Super or Gold State Super. In general,...

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...

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...

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...

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...

There are three ways you can make an after-tax personal contribution to your super:

• BPAY®
• Through your employer
• Cheque or money order

Please note: we are required to send you confirmation every time you make a contribution using BPAY.

Here are the steps you need to make your...

If you have retired and opened an RI Allocated Pension account, you can make lump-sum withdrawals from your account.

To make a lump-sum withdrawal, you need to:

• Complete and submit a Partial payment form
• Withdraw at least $1,000
• Keep a balance of at least $1,000 to keep your account open. If you...