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 called NGS QuickSuper. Through this service 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

SuperStream compliant

Under SuperStream, employers must make superannuation contributions electronically as prescribed by the Australian Taxation Office (ATO). NGS QuickSuper transfers payments and data to super funds in a compliant manner so it ensures it meets your SuperStream obligations.

Fast processing times

Payments processed through NGS QuickSuper will generally take:

• one banking day to reach the member’s account when paid by EFT
• three banking days to reach the member’s account when paid by direct debit.

This processing time is the same regardless of whether the employee is a member of NGS Super or another fund.

Easy to use

You can add new members, update member details, make contributions and exit members all with the one file upload. NGS QuickSuper accepts both SuperStream Alternative File Format (SAFF) and CSV uploads.

Most payroll systems allow contribution and member data to be exported via a SAFF. This is an industry-wide standardised data format, which includes all the required data fields to comply with SuperStream legislation while allowing you to upload information to NGS QuickSuper without the need for data manipulation.

Data security

NGS QuickSuper is operated via Westpac’s secure electronic banking network. Security features include data encryption, file compression, block validation of transmitted data, and audit trail reporting.

Need more help?

The NGS Super Employer Guide provides further instructions on how to use NGS QuickSuper.

Our team can also help you with the initial set-up. Find your Customer Relationship Manager here.

NGS QuickSuper is supported by our administration partner, Mercer. The Employer Support team are based in Mercer’s Melbourne office and are available to assist you with any queries from 9.00am to 5.00pm Monday to Friday.
Phone: 1300 133 177 (and press 3)
Email: [email protected]

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.

When should we notify NGS of a potential claim?

NGS members who have Income Protection will have a waiting period ranging from 30 to 90 days. There is no need to wait until the end of the waiting period to submit a claim. If the staff member has other leave entitlements they intend to use first, it is still worth them putting in the claim early. Our insurance partner, TAL, also has a range of rehabilitation services which can help members to get back to work sooner.

Grief support service

Our insurance partner, TAL, offers a complimentary service to NGS members and their family members dealing with grief. You can find more information in our Grief Support Flyer and Grief and Loss Booklet.

Need more help?

Talk to your Customer Relationship Manager if you have any questions.