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Contributions

Each time you are paid, your employer makes contributions to your super account on your behalf – they also pay you an employer component when you leave the PSS.

You can transfer any super you have with other funds into your PSS account.

To find out more about contributions, see the options below and check out contributing to the PSS. Before making any decisions, please read the PSS product disclosure statement.

Your contributions

In most cases, you can decide how much super you contribute into the PSS. You can change your contribution rate:

  • at any time
  • to any whole percentage rate between 2% and 10%
  • to 0% and not contribute at all.

How much you decide to contribute will determine the amount your employer will contribute on your behalf. Before you elect any change, please remember:

  • the maximum benefit you can accrue is limited to what you would have accrued had you contributed at 5% for 10 years of your contributory service and 10% for the rest of your contributory service, plus any excess employee component
  • if you become entitled to invalidity retirement benefits, the accrual for any future service component takes your average percentage rate over the last three years into account.

It's easy to change your contribution rate –simply provide your details and preferred percentage rate to your personnel section. You can generally email them this information. Please do not advise ComSuper; you must make any change through your employer, not ComSuper. For more details please read the Contributing to the PSS fact sheet.

If you're taking leave without pay (LWOP) some special provisions may apply – see the Leave Without Pay fact sheet for more information.

Employer contributions

Your employer makes contributions to your account in two different ways:

  1. A fortnightly contribution – the productivity component; and
  2. An employer component that is calculated when you leave the PSS and claim a benefit.

Your employer pays your productivity component fortnightly and the amount is based on your superannuation salary.

Your employer component is a notional amount you receive when you leave the PSS and claim a benefit. It is the difference between your total equity in the PSS and the sum of your member and productivity components.

For more information, see Contributing to the PSS.

Super co-contribution

The super co-contribution is a payment made by the government into your super account to help you save for retirement.

To be eligible for the super co-contribution, you must make personal contributions to your super and have a total income less than the Australian Tax Office (ATO) limit. The ATO determines if you're eligible to receive the super co-contribution, based on your tax return. If you're eligible, the ATO will send the amount straight to us.

For more information see Super co-contributions or visit www.ato.gov.au.

Consolidating your super with one fund can save you time and money managing multiple accounts.

Your super salary 

Your ‘super salary’ is the amount you’ve agreed to be paid by your employer through a certified agreement or Australian Workplace Agreement. If you don’t have an agreement, it’s your basic salary plus any recognised allowances. Additional payment such as overtime, accommodation or travel are not counted.

Please contact your personnel section if you have any questions about your super salary.