Employer resources

Employer super contributions

Employer contributions are super payments you make for your staff. These can include Superannuation Guarantee (SG) contributions, super contributions required under an Industrial Award or Agreement and any salary sacrifice contributions requested by your employees.

How do employer super contributions work?

As an employer, you are required to pay a minimum of 9.5% of Ordinary Time Earnings (OTE) for an employee (over age 18 who earns more than $450 per month) as Superannuation Guarantee (SG) contributions.

The SG contribution rate is proposed to rise from 9.50% to 12% of OTE by 1 July 2025.

You may also have to make contributions for an employee under the Award or Industrial Agreement that your employee works under.

If you provide your employees with the option to salary sacrifice some of their income, these contributions also need to be paid to the employee’s super fund.

Types of contributions

This table summarises the types of contributions NGS Super can receive and when we can accept them:

¹ ‘Mandated non-SG’ refers to contributions payable under an award made, or agreement certified, by an industrial authority.
² Provided the member is gainfully employed for at least 40 hours in 30 consecutive days during the same financial year in which the contributions are made.

Quarterly due dates for superannuation guarantee

It's crucial to pay the correct amount of super by the cut-off date each quarter to avoid paying the Superannuation Guarantee Charge (SGC) to the ATO. You can choose to make super payments more regularly than quarterly so long as the total amount you owe each quarter is paid by the quarterly cut-off dates. If an important date falls on a weekend or public holiday, you should make the payment by the next working day.

NGS QuickSuper

We offer a free clearing house solution for our employers. Through NGS QuickSuper, you can easily pay all your staff super contributions in one transaction, regardless of the number of super funds. And it's free, secure and compliant with government legislation.

NGS QuickSuper Features

Making payments for separate employers

NGS Quicksuper allows you to make separate payments for more than one employer. To do this it is as easy as selecting the relevant employer that you wish to submit contributions for, from the 'Selected employer' drop down list.

If you need help to set another employer to your list there's 3 simple ways to do this

• you can add the relevant details in the Link Another Employer section
• you can contact us on 1300 133 177
• email [email protected] and advise us of the relevant details.

Making payments for your member list

Once you have selected the relevant employer you wish to submit contributions for from the “Select employer” drop down list, select the “Member list” tab which will list all of the relevant members for the selected employer.

Adding existing NGS Super members to your member list 

To find an existing fund member, enter their member number and last name in the fields provided and then click the Find Member button. The member will then be added to your member list.

Adding new members to your member list

To add a new member, enter their last name in the field provided and then click the Add Member button. You will then have to enter the relevant information for this member. Once all of the relevant details have been added, click the Submit button.

Making contributions

When your member list is up to date, you can start making contributions for your members by selecting the Make Contribution button on the member list screen.

You can then enter the contribution details for each member.

Once you’ve entered the superannuation contributions details, select the Submit button. A BPAY® Biller Code and Reference Number and EFT BSB and Account Number will then be generated and emailed to you.

To make the superannuation payment, you will need to login to your online banking or phone banking service and follow the prompts to make a payment using your preferred payment option, using either the BPAY or EFT details that were emailed to you. It’s that easy!

Once you have submitted your first batch, you have the ability to use that batch to form the basis of any future batches you need to submit. To do this, you need to View the relevant batch from History tab and then select the Copy batch button.

Batch history 

You can view all previous batches submitted via the batch history tab.

This section provides more information to help you and your staff understand super.

Superannuation information for you

Superannuation information for your staff

Helping your staff with insurance

There has been a significant number of legislative changes for insurance in super which may affect you staff.

How to assist your staff with a claim

NGS Super now offers three ways your insured staff can lodge a claim:

• Tele Claim – over the phone on 1300 133 177
• Online via the member portal - navigate to the TAL insurance portal button in the insurance section
• Paper by mail or email.

If you have staff on claim or are off work due to illness or disability, it is important that they make an Election to Opt-in as:

• Insurance cover will automatically cease if the account is Inactive for 16 months or more (i.e. there is no Employer, Member, rollin or other eligible contribution to the members NGS Super account), or
• Insurance cover will automatically cease on 1 April 2020 where the account balance was less than $6,000 on 1 November 2019 (or on the date of joining NGS Super, if later) and it did not at any time between that date and 31 March 2020 reach at least $6,000.

For full details on how our insurance works and the options available to your staff, read our Insurance guide.