Member Online 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...

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...

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...

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...

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...

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...

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

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...

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...

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...

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...

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...

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...

Choice of Super doesn’t apply in some circumstances. You don’t need to offer Choice of Super to members of defined benefit schemes such as Gold State Super and the WA Public Sector Pension Scheme. Contributing members of Gold State Super can withdraw from the scheme and ask that you make...

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...

An employee can choose a fund as often as they like.

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...

If SMSF bank details on the SAFF are not unique, an error will be triggered when saving the contributions grid.

Prior to the upgrade of Employer Online, the SMSF bank details provided in the SAFF file were not validated. Some payroll systems pre-populated the SMSF’s bank details fields with GESB bank...

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 are currently paying SG for your employees, they can choose a super fund. All employees who are eligible for SG contributions can choose a super fund.

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...

You can use Employer Online to:

• Manage your employee data
• Pay contributions through direct debit or direct credit
• View your contribution status and submission history
• Access GESB account details
• Access Gold State Super liability invoices
• Generate reports

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...

1. Log in to Employer Online and navigate to the 'maintenance' section, and select 'fund search'.

2. On the 'fund search' page you can search for a fund by entering the fund's name, Unique Superannuation Identifier (USI), Superannuation Product Identifier Number (SPIN), Superannuation Fund Number...

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...

If your organisation has authorised you to access Employer Online, you can log in using your employer number, user ID, password, and verification code, which you can find in your authenticator app.

You will need to verify your identity using multi-factor authentication (MFA) to log into your account. MFA helps protect...