FAQs

New Staff

All continuing and fixed term staff are entitled to receive employer contributions of 17% of base salary.

Casual staff receive 10% of base salary employer contributions in line with Superannuation Guarantee (SG) obligations.

Employer superannuation contributions are paid in accordance with Clause 29.3 of the University of South Australia Enterprise Agreement 2019 (as amended or replaced).

From 1 November 2021, UniSA will offer all new staff Choice of Fund, allowing you to nominate your preferred super fund.

When you accept your online offer of employment, you will be prompted to nominate your preferred super fund by completing a Choice of Fund election form. Completing a Choice of Fund election form allows us to ensure your contributions are paid to your preferred fund from your first pay.

If you do not have a super fund, you will need to join a super fund. The ATO YourSuper comparison tool can help you compare super funds, or you can nominate on your Choice of Fund form to set up an account with our Default Fund, UniSuper Accumulation 1.

Our default fund is UniSuper’s Accumulation 1 Division. You can find out more about the product, and review the product disclosure statement (PDS) on UniSuper’s website.

You are welcome to join UniSuper. Please use UniSuper’s Digital Choice form to make your Choice of Fund election. This will help to ensure your account is set up correctly.

 

 

If you have an existing UniSuper membership, please use UniSuper’s Digital Choice form to make your Choice of Fund election. Using UniSuper’s Digital Choice form will pre-populate your membership details reducing how much information you need to input. For existing Defined Benefit Division members, it will ensure we deduct the correct member contribution for you.

Choice of Fund

From 1 November 2021, Choice of Fund legislation requires the University of South Australia to offer eligible staff their choice of superannuation (super) fund.

Any new staff member joining the University will be offered Choice of Fund and will receive a Choice of Fund election form to complete as part of their onboarding.

Existing staff who have previously submitted a Choice of Fund election, or who are members of the UniSuper Accumulation 1 or Accumulation 2, will also be eligible to submit a Choice of Fund election.

The following staff members will be eligible for Choice of Fund:

  • New staff members commencing employment on or after 1 November 2021
  • Current staff members in an accumulation scheme

Staff who are unsure if they are a member of the Defined Benefit Division or Accumulation 2 will need to confirm their membership details with UniSuper. Please contact UniSuper on 1800 331 685 or check your membership via their MemberOnline portal.

The Choice of Fund provisions exclude Defined Benefit Division members from Choice of Fund, however those who are within the first two (2) years of membership may be eligible to transfer to Accumulation 2 and then submit a Choice of Fund election.

If you’re unsure of your eligibility, please contact UniSuper on 1800 331 685 or check your membership via their MemberOnline portal.

Eligible staff can submit a valid Choice of Fund election through the AskPTC Enquiry Form.

A valid Choice of Fund election can include: 

  • The UniSA-supplied Choice of Fund form, provided to new starters, or downloaded from our website (link)
  • An ATO Standard Choice form, or
  • A super fund’s valid choice form accompanied by a Trustee Compliance Letter.

Please note if your nominated super fund is non-compliant, or if the form does not include sufficient details to identify your membership or fund, your election will not be valid.

If your election is not valid you will receive notification in writing as soon as possible. You can resubmit your election, or if necessary, we will request your Single Default Account from the ATO. 

If you do not make a Choice of Fund election or your election is not valid, the University will pay your super contributions to:

  1. your Single Default Account (SDA), if you have one; or
  2. the University’s nominated default super fund (i.e. employer nominated fund), if you do not have an SDA. Our default fund is UniSuper’s Accumulation 1 Division.

A Single Default Account (‘stapled account’) is an existing super account which is linked, or 'stapled', to an individual so that it follows them as they change employment.

Staff can nominate a new fund once in a 12-month period. Simply provide a valid Choice of Fund election form, and the required documentation through an AskPTC Enquiry Form.

Existing Staff

Any staff member with Accumulation 1 membership is eligible for Choice of Fund.

If you want to submit a Choice of Fund election, please upload your completed form via the AskPTC Enquiry Form.

The UniSA Choice of Fund form can be downloaded from here.

Fixed term and continuing staff members may be eligible to join the Defined Benefit Division. It is recommended that you contact UniSuper or make an appointment with an On-Campus Consultant to determine your eligibility.

Staff who are unsure if they are a member of the Defined Benefit Division or Accumulation 2 will need to confirm their membership details with UniSuper.

Please contact UniSuper on 1800 331 685 or check your membership via their MemberOnline portal. 

When you join the Defined Benefit Division, you automatically make a default member contribution of 7% after-tax. This is in addition to the 17% paid by UniSA.

You can reduce your contributions or change them from after-tax to before-tax (salary sacrifice) contributions.

If you’d like to know more about your contribution, contact UniSuper or make an appointment with an On-Campus Consultant.

You can reduce or stop your default member contribution by completing and submitting the Default member contribution form. Your completed form can be submitted to Payroll Services via the AskPTC Enquiry Form.

Staff who are in the first two (2) years of their Defined Benefit Division membership can opt to leave the Defined Benefit Division and transfer to UniSuper’s Accumulation 2. After that time, your option expires.

If you're not sure which account you have, you can check online or contact UniSuper.

Please refer to the UniSuper site, Choose between the DBD and Accumulation 2 for a comparison of the features of the two products. If you have further queries, please contact UniSuper or make an appointment with an On Campus Consultant.

All staff can set up a regular fortnightly deduction, either before-tax or after-tax, through Payroll, to be paid to their super nominated super fund. These contributions will be in addition to your default member contribution.

To set up this arrangement, please complete the Regular contribution to super [HRIS 046] form and submit via the AskPTC Enquiry Form.

You can update your Choice of Fund election once in a 12 month period by submitting a new Choice of Fund form via the AskPTC Enquiry Form. You can download our form here.

A before-tax contribution is an amount deducted from your before-tax salary. This is also referred to as salary sacrifice. These contributions count toward your concessional contribution cap for the financial year.

An after-tax contribution is an amount that Payroll deducts from your after-tax salary. These amounts are included in your non-concessional contribution cap for the financial year.

If you are unsure about which is better for you, please seek advice from your super fund, financial adviser, or tax accountant.

Contributing to Super

All staff can set up a regular fortnightly deduction, either before-tax or after-tax, through Payroll, to be paid to their nominated super fund. To set up this arrangement, please complete the Regular contribution to super [HRIS 046] form and submit via the AskPTC Enquiry Form.

A before-tax contribution is an amount deducted from your before-tax salary. This is also referred to as salary sacrifice. These contributions count toward your concessional contribution cap for the financial year.

An after-tax contribution is an amount that Payroll deducts from your after-tax salary. These amounts are included in your non-concessional contribution cap for the financial year.

If you are unsure about which is better for you, please seek advice from your super fund, financial adviser, or tax accountant.

You can view your current contribution arrangements by logging into your myUniSA record and checking your Financial Tab. Your member contributions will appear under the Deductions section, while the University employer contributions are under the Employer Sponsored Benefits section.

If you need further assistance, please submit an enquiry through the AskPTC Enquiry Form.

If you do not advise UniSA of a change to your nominated fund, we will continue to pay contributions to your existing super fund. If the fund is unable to allocate contributions to your account, they will be returned to UniSA.

We will attempt to establish a new choice of fund or identify a stapled fund, however in the absence of either, we will create an account with our default fund, UniSuper Accumulation 1, and redirect the refunded contributions, and any future contributions, to that account.

There are several caps on contributions that can be made to super, including the concessional contribution cap and non-concessional contribution cap.

Concessional contributions are generally employer contributions made on your behalf, before-tax member contributions, and personal deductible contributions. Concessional contributions are taxed at 15% in your super fund, however exceeding the cap can cause additional tax. Please refer to the ATO’s Concessional contributions page for more information, including the current cap.

Non-concessional contributions are contributions made to super from an after-tax source. Non-concessional contributions are not taxed in your super fund, however exceeding the cap can cause additional tax. Please refer to the ATO’s Non-concession contributions page for more information, including the current cap.