Hi Cassandra,

I'm trying to understand the how this disparity occurs, in other words how are they been penalised.

1. As a married couple with the super would be shared in retirement as the couple is living together.

2. If the couple split super would (should) be part of the settlement evening things up with the male (ex) partner.

3. A single woman that has no time off and have no kids, which wouldn't affect her super.

I'm not trying to be smart, just trying to understand the issue, what am I missing?

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In the meantime while government wheels turn slowly couples could look as the spouse doing a $3000 spouse contribution to the mum's account (bonus tax offset to the working spouse of up to $540). Also consider super splitting some of he working spouse's annual contributions to the mum's account. Finally if the new mum worked part of the tax year then look at doing a non-concessional contribution of $1,000 to get some of the Government Co-Contribution. Tip: we often get proud grandparents to gift/fund these amounts to the couple as a way of helping. You can Google any of the above to get the ATO rules on eligibility and guidance on how they work or most super funds have details or fact sheets on their websites.

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Universal free childcare for families that meet the work test..

problem solved

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