How to make sure you’re getting your super
Regularly checking your super payments can help protect your financial future.
Track payments
Regularly track your super contributions by logging into your online account.
Setting up personal reminders, for example, phone alerts, might make it easier to monitor your super account and identify any unpaid super contributions.
Check that the super amount is correct
Regularly check that the super paid into your account matches the amount you’re entitled to, especially if your pay increases.
If left unchecked, even small amounts of unpaid super can compound over time and reduce your total retirement savings.
Use the ATO’s ‘Estimate my Super’ tool to see if your super contributions are correct.
How often should you check your super contributions?
The Superannuation Guarantee requires employers to pay super at least four times a year. Some employers may contribute more frequently due to certain awards, industrial agreements, or simply by choice. So, it’s a good idea to review your super contributions at least every three months.
If your super account hasn’t received any contributions or transfers in the last five years, and the fund is unable to reach you, your super could be lost. The ATO offers services to help you find and consolidate lost super accounts. Read more on tracking down lost super.
How to report unpaid super
If you’ve noticed a missing super contribution or a mismatch in the payment you have received versus what you’re entitled to, here are the steps you can take to remedy unpaid super from your employer.
Steps to take if you suspect unpaid super contributions
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Step 1. Identify unpaid contributions with UniSuper
Before approaching your employer, check your account to confirm that you have unpaid or underpaid super payments.
For more information on how to calculate your super entitlements, visit the ATO website.
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Step 2. Approach your employer
Contact your employer to ask them how much they’ve paid and which fund they’ve paid it to.
You could also request evidence of the payments to verify any contributions. For example, a payslip or transaction receipt.
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Step 3. Report unpaid super
If you have identified unpaid super and are unable to resolve the issue with your employer, you can report your employer using the ATO’s online tool.
How the ATO can help you claim unpaid super
The ATO has an online tool where you can file a complaint if your employer hasn’t paid your super, paid late or paid to the wrong fund. The ATO will investigate your employer based on the information you provide.
What you’ll need to submit your claim:
Personal details including your tax file number (TFN).
Time period for which you are claiming unpaid super.
Employer details including their name and Australian Business Number (ABN).
Note that the Superannuation Guarantee (SG), requires employers to pay super at a minimum of four times per year. So, if your super contributions don’t align with your salary payments (for example, fortnightly or monthly), it doesn’t always mean your employer has breached SG obligations. You can refer to due dates for lodgement for each quarter on the ATO website. Read more about when the super guarantee is not required.
How UniSuper supports your super
At UniSuper, we can help you keep track of your superannuation.
Monitoring contributions
We provide regular, up-to-date statements in your online accounts.
Resources and tools
We have a comprehensive guide to help you review and manage your super.
Support services for UniSuper members
Our team is here to help and guide you on your next steps via live chat or call us on 1800 331 685 8.30 am-6.00 pm Melbourne time Monday to Friday.
Get the UniSuper app
Manage your account from wherever you are 24/7. Check your estimated balance, review your investment options, keep up with recent transactions and more.
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Things you need to know
The information is of a general nature and doesn't consider your personal circumstances. Before making decisions, you should consider the PDS and TMD on our website, and whether the information is appropriate for your circumstances otherwise seek financial advice.