FAQs

A complying fund is a super fund that meets specific requirements and obligations outlined in the Superannuation Industry (Supervision) Act 1993.

As an employer, it is your responsibility to check whether the fund an employee has nominated is a complying fund.

To check whether a fund is complying, you can look up...

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...

To make it easier for you to meet your choice obligations, our GESB Clearing House is free to all WA public sector employers where we are their default fund. Our GESB Clearing House is an easy-to-use online system that allows you to pay your choice contributions (i.e. where your employees...

We will ask you for proof of identity (ID) when you need to:

• Withdraw part or all of your super
• Set up a Retirement Income Pension account
• Close your account or roll over your super to another fund
• Change your name or date of birth

Depending on the form you’re using, you can provide your...

Division 293 tax is an extra tax that applies to higher income earners. It reduces the tax concessions they can receive on their concessional (before-tax) super contributions.

Concessional contributions are generally taxed at a lower rate of 15%, up to your concessional contributions cap. If the sum of your income¹ and...

Multi-factor authentication (MFA) is when you use two or more different methods or ‘factors’, such as a password and a code, to verify your identity when accessing an online account.

It’s a security measure that helps to protect your online accounts by making it harder for unauthorised people to gain access.

MFA...

Under the Family Law Act 1975 (Cth) (Family Law Act), super is treated as an asset that can be ‘split’ between you and your ex-partner when you separate.

This law applies whether you were married or in a de facto relationship. You’re not required to split your super, unless the court...

Employer Online is our secure and convenient super contribution portal for HR and payroll administrators.

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.

What is the Superannuation Contributions Surcharge?

The Superannuation Contributions Surcharge, or ‘Super...

GESB is currently the default fund for most State Government employers. An employer default fund is the fund you pay your employees’ Superannuation Guarantee (SG) contributions to, when they do not choose a fund. We have over 85 years' experience managing and administering the super and retirement savings of over...

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...

The following terms and conditions apply when you use our Employer Online service to access functions relating to Employer Online. Your use of the service indicates your acceptance of these terms and conditions. If you do not agree to these terms and conditions, you should not use the service.

If you...

If you have a RI Allocated Pension or Transition to Retirement Pension account, you can apply to withdraw all of your funds and close your account.

You’ll need to print, complete and submit a Withdrawal form.

Once we have received your form and any supporting information required, we aim to...

An authenticator app is a mobile application that provides extra security for your online accounts by generating random one-time codes. They are used for accessing online accounts with multi-factor authentication enabled, such as Employer Online.

Authenticator apps are generally considered more secure than receiving a code by SMS or email.¹...

The security of Employer Online and protecting the privacy and confidentiality of our members' personal information is very important to us. We use up-to-date security measures to help protect your information, including encryption technology, security certificates and firewalls. You can also help to keep these details secure by following some...

If your super is an untaxed scheme, this means tax is charged when your benefit is paid or rolled over to a taxed scheme. It does not mean no tax applies. Gold State Super, West State Super and the WA Public Sector Pension Scheme are all untaxed schemes.

Most super funds...

A complying fund is a super fund that meets specific requirements and obligations outlined in the Superannuation Industry (Supervision) Act 1993.

As an employer, it is your responsibility to check whether the fund an employee has nominated is a complying fund.

To check whether a fund is complying, you can look up...

If you are having problems viewing or listening to a webinar, please read the following system requirements and FAQs.

Supported system configurations

Webcasts

• Windows 10+ (Latest Microsoft Edge, Firefox, or Chrome)
• Apple Mac OS 10.10+ (Latest Firefox, Safari, or Chrome)
• Android 9+ (Latest Chrome Browser)
• Apple iOS 15+ (Latest Safari Browser)

Official support for the latest...

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,...

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.

Action...

Your super is designed to help you save for retirement and has tax benefits, so there are rules about when you can access the money.

Your 'Commonwealth preservation age' is the minimum age you can access your super. Until you reach this age and have retired, you can’t access your super...

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 our...

You can use Member Online to change your occupation category, sum insured, fix your cover or change some other details.

If you’ve decided to make changes to your insurance, log in to Member Online and visit the ‘Insurance’ page.

You’ll find an option to ‘Change your insurance’. Select this button.

You’ll be directed...

A Unique Superannuation Identifier (USI) is a number used to identify each super fund or scheme. It’s used for contributions and rollovers, so that your super is sent to the right fund and account.

You can find the USI for your account with GESB in the table below.

Your accountUSI

GESB...

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.

Action summary

• 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...

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...

Follow these steps to make your contribution by cheque or money order.

1. Learn about personal contributions

Check that making after-tax personal contributions is the right option for you by reading:

• Contributing to your super to learn about making extra contributions to your super
• After-tax personal contributions for more information

2. Work...

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

You’ll find a section named ‘Account details’ and ‘Not provided’ will appear next to your tax file number (TFN) if we don’t have your TFN.

Select the ‘Provide your TFN to us’ button.

If we already have your TFN, this will...

You can make contributions to your super in two different ways; before tax (salary sacrifice) or after tax.

You can make after-tax contributions to your account through your employer, by using BPAY® or by cheque or money order. These are known as personal contributions - and we don’t charge you...