Are you entitled to be paid super?

Are you a young person working in your first job and not sure if you should be receiving superannuation?

You are eligible to receive employer-paid super if:
• you are over age 18 and employed; or
• you are under age 18, and work more than 30 hours per week.

If this is you, you should be getting an amount equivalent to 11% of your wage paid into your super fund by your employer at least every three months.
These superannuation entitlement rules apply if you are employed full time, part time or as a casual, a temporary resident or a family member working in your family's business. They apply to domestic workers too, for example, you are hired to provide in-home help.

Check your payslip if you aren't sure - details of your superannuation payments will appear on your payslip or digital payment summary every time you get paid.

Employers who break the rules are liable to penalties:
• They will have to back-pay your superannuation payments.
• They will have to pay a penalty that could be up to 100% of the required superannuation payment.
• They will have to pay an administration charge per employee per quarter.

This is what we technically mean when we talk about the superannuation guarantee (SG).

Employer-paid default superannuation contributions should be paid into a MySuper product.

If you want a second opinion, you should contact the ATO on 13 10 20, your preferred super fund or a financial adviser. To find a professional financial adviser near you, please visit our sister service SelectAdviser: selectadviser.com.au.