Super for part-time and casual employees

20 Oct 2021 4 min read

Your employer’s super contribution obligations can seem confusing, especially if you’re working part-time or casual. This article explains what you’re entitled to, so you can make informed and confident decisions about your career and retirement savings.

Do part-time and casual employees get super?

Yes. Under superannuation guarantee legislation, all employers must pay a minimum of 10% super for all eligible staff, whether they’re full-time, part-time or casual. This legislation ensures that working Australians are guaranteed to have some level of retirement savings.

How superannuation guarantee contributions work

The superannuation guarantee applies to all employees who:

  • are at least 18 years old and
  • earn at least $450* in a month.

This also applies to a private or domestic worker (like a carer or nanny) who works more than 30 hours a week.

If you’re under 18 years old, you must earn at least $450* in a month and work more than 30 hours per week to be entitled to super guarantee contributions.

There are some circumstances in which an employer isn’t obligated to contribute to your super, including if you are:

  • a non-Australian resident paid for work done outside Australia
  • an Australian resident who is paid by a foreign employer for work done outside Australia
  • working in Australia temporarily for a foreign employer and are covered by a bilateral social security agreement.

If you’re working part-time or casual and you’re unsure if you’re eligible for super payments, you can use this super guarantee eligibility tool from the Australian Taxation Office (ATO) to find out.

In the 2021–22 Federal Budget, the government announced plans to remove the $450 minimum threshold so that all eligible employees receive super guarantee contributions, regardless of how much they get paid.

However, this change to the super guarantee has not yet become law.

*before tax

How are super contributions calculated for part-time and casual workers?

As of July 2021, employers must pay super equal to 10% of an eligible employee's earnings (up from 9.5% in the previous financial year). This applies to ordinary time earnings (OTE), which includes basic wages, shift loadings for work outside regular business hours, and general allowances and bonuses.

Overtime hours, expense allowances, and any reimbursements aren't included in an employer's superannuation obligations. If an employer can't clearly distinguish between your regular and overtime hours, they must pay super on all hours worked.

How do you check if your employer is making super payments?

It’s easy to find out whether your employer is paying your super contributions.

  • Check your payslip — this should show how much has been paid to your super account and when it was deposited.
  • Contact your super fund — check your super account balance and transaction history by logging into your account online or calling your super fund.

Can part-time or casual employees use NGS Super?

Yes! Anyone — including part-time and casual staff — can join NGS Super. Our members benefit from access to our competitive fees, award-winning insurance, and strong investment performance.

It’s common for part-time and casual workers to have multiple super funds, but it means paying fees for every account held. We can help you consolidate your super balance so you avoid paying fees on accounts you no longer use.

If you’ve changed your employer, address or personal details, you may have some lost or unclaimed super. Learn how to find lost super.

Frequently asked questions

Do I need to pay super for casual employees?

If you are an employer, you need to pay super for casual employees who earn more than $450 (before tax) in a calendar month. If your casual employees are younger than 18, they also need to be working at least 30 hours per week. Under the law, you need to pay a minimum amount equivalent to 10% of the employee’s ordinary time earnings (OTE).

For a comprehensive understanding of your super obligations as an employer, read our Employer guide.

Is super payable on overtime for casuals?

In most circumstances, overtime is excluded from OTE and, therefore, not included in super calculations. However, in some instances overtime may be included in OTE. See the ATO website for more details on what qualifies as OTE.

Do you get super on casual loading?

Yes. When an employer calculates superannuation payments for a casual worker, casual loading should be included.

What if an employee doesn't know their super details?

From 1 November 2021, if a new employee doesn't know or provide their super details, their employer must check if they have a stapled fund by using the ATO online search tool. For full details, read our article about stapling.

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