Frequently Asked Questions

To register to make contributions to NGS Super, employers should complete an Employer Details Form to become a participating employer, available in our Employer Guide.

Take photocopies of your original proof of identity documents and have them certified as true copies of the originals.

The person certifying the documents must see the original document and the photocopy so that they can certify that the documents are identical. They must certify every page as a true copy by stamping or writing ‘certified true copy’, sign and add their printed name, full qualification as a certifier of identity documents (such as ‘a permanent employee of Australia Post with two or more years of continuous service’) and date.

You must send us certified copies of documents to prove you are the person making the transaction. Don’t send the originals.

ACCEPTABLE DOCUMENTS

One of the following documents:

• drivers licence, issued under Australian State or Territory law or equivalent authority of a foreign country for the purpose of driving a vehicle that contains your photograph
• passport issued by the Commonwealth
• a passport or a similar document issued for the purpose of international travel, that:

a. contains a photograph and either:
i. your signature; or
ii. any unique identifier¹ of yourself

b. is issued by a foreign government, the United Nations or an agency of the United Nations; and
c. if it is written in a language other than English – it is to be accompanied by an English translation prepared by an accredited translator

• A card issued under a State or Territory law for the purposes of providing your age which contains your photograph
• A national identity card issued for the purpose of identification, that:

a. contains your photograph and either:
i. any unique identifier¹ of yourself
ii. your signature; or
b. is issued by a foreign government, the United Nations or an agency of the United Nations; and
c. if it is written in a language other than English – it is to be accompanied by an English translation prepared by an accredited translator.

 

A combination of documents: 
If you can’t supply either a drivers licence or passport, you can send a combination of documents. You will need one document from each of the two groups below.

One of the following documents:

• birth certificate or birth extract issued by a State or Territory
• citizenship certificate issued by the Commonwealth
• citizenship certificate issued by a foreign government that, if it were written in a language other than English – it is to be accompanied by an English translation prepared by an accredited translator
• a birth certificate issued by a foreign government, the United Nations or an agency of the United Nations that, if it were written in a language other than English – it is to be accompanied by an English translation prepared by an accredited translator
• a concession card issued by the Australian Department of Human Services that entitles you to financial benefits.

AND

One of the following documents which:

1. was issued within the last twelve months; and
2. contains your name and residential address

• a notice from an office of the Australian Department of Human Services entitling you to a government financial payment
• a notice from the Australian Taxation Office recording a payment you are required to pay or vice versa
• a notice issued by a local council or utilities provider
• if you are under age 18, a notice that was issued to you by a school principal.

If you are unable to provide any of the documents above, you can call us on 1300 133 177 to discuss your circumstances as there may be an alternative identity process available.

¹  A unique identifier may include biometric identifiers which include but not limited to fingerprint, palm veins, face recognition, DNA, palm print, hand geometry, iris recognition.

1. a permanent employee of Australia Post with two or more years of continuous service
2. a finance company officer with two or more years of continuous service
3. an officer with, or authorised representative of, a holder of an Australian Financial Services Licence (AFSL) having two or more years of continuous service with one or more licensees
4. a notary public officer
5. a police officer
6. a registrar or deputy registrar of a court
7. a Justice of the Peace
8. a person enrolled on the roll of a state or territory Supreme Court or the High Court of Australia, as a legal practitioner
9. an Australian consular or diplomatic officer
10. a judge of a court
11. a magistrate
12. a Chief Executive Officer of a Commonwealth court
13. a teacher employed on a full-time basis at a school or tertiary education institution
14. an officer with, or a credit representative of, a holder of an Australian credit licence, having 2 or more years of continuous service with one or more licensees
15. a person in a foreign country who is authorised by law in that jurisdiction to administer oaths or affirmations or to authenticate documents.

You can download and print proof of identity information.

Where an employer is submitting superannuation contribution payments via NGS Online a history of past contributions is accessible.

NGS Super members can transfer their super to the KiwiSaver Scheme but the Fund cannot receive payments from KiwiSaver. Please use the Trans Tasman Portability form.

The UK HM Revenue and Customs have approved NGS Super as a Qualifying Recognised Overseas Pension Scheme (QROPS).

Due to pension rule changes made by UK HM Revenue and Customs NGS Super is not able to accept transfers from English pension schemes for the time being.

NGS Super does offer contribution splitting to members.

You can request your contributions to be split by completing the Contribution splitting eForm.

You can access financial planning as part of your NGS Super membership. To take advantage of this no obligation free initial financial planning consultation, just call 1300 133 177.

NGS offer a comprehensive range of investment options. You can elect to change your investment options for your current account balance by completing an Investment switching form or by logging into Member Online. Additionally, for NGS Accumulation accounts, you can elect to change the investment options for all future contributions, rollovers and transfers. For NGS Transition to Retirement and NGS Income accounts, you can also use the investment switching form to nominate which investment options you want your future pension payments to be drawn from. You can make an investment switch without any charge.

If you wish to apply for new or increased cover, as well as reduce or cancel your cover altogether, you will need to complete an Insurance variation form. You will also need to provide additional health information for an increase in cover.

Overseas employers may not be obliged to make super contributions on your behalf, however if you negotiate your super contributions as part of your employer employment arrangements then NGS Super can receive a cheque (this can be in foreign currency). You may need to seek tax advice in relation to the working arrangements of the country you are visiting.

Complaints and enquiries

We try to ensure that our level of service meets your expectations. However, sometimes problems occur. If you are dissatisfied with your experience with NGS Super, please contact us:

Phone: 1300 133 177 8.00am-8.00pm (AEST or AEDT) weekdays

Overseas: +61 3 8687 1818

Online: ngssuper.com.au/contact-us

Mail: Complaints Officer, PO Box 21236, WORLD SQUARE NSW 2002

 

If we have not responded to your complaint within 90 days or you are not satisfied with our decision, you may be able to take the matter to an external complaint resolution service that is free to customers:

• with the Australian Financial Complaints Authority (AFCA)

Online: www.afca.org.au

Email: [email protected]

Phone: 1800 931 678 (free call)

Mail: Australian Financial Complaints Authority (AFCA), GPO Box 3, Melbourne VIC 3001

Time limits may apply to complain to AFCA so you should act promptly. Consult the AFCA website to find out if or when the time limit relevant to your circumstances expires.

As a member, you are able to transfer other superannuation benefits into your account with NGS Super. Rolling over superannuation accounts may help you keep track of your money and may save you extra fees.

You can transfer any inactive accounts into NGS Super by:

• Logging into your NGS Member Online account, or
• Completing a Transfer authority eForm and returning it to NGS Super

Before you transfer:

• check whether your previous fund will charge you an exit fee or other penalties. From 1 July 2019, exit fees are generally banned from being charged by super funds;
• if required, ensure that you transfer or replace any insurance cover you have with your other fund before closing the account.

If you entered Australia on an eligible temporary resident visa and you have permanently left Australia, you may claim any super you have accumulated. This provision does not apply to Australian and New Zealand citizens, even if they were the holder of an eligible temporary visa. For more details and to download an application form visit the ATO website.

Quarter	Deadline for payment
1 July – 30 September	28 October
1 October – 31 December	28 January
1 January –31 March	28 April
1 April – 30 June	28 July

 

An employer has obligations under the Super Guarantee (SG) legislation to submit SG payments at least quarterly. However, there may be occasions when an employer is not obliged to contribute, for example if an employee earns less than $450 in a month. Employers who fail to comply with SG requirements, may incur a super guarantee charge, which includes SG payments, lost earnings and administration charge(s). If you have not received contributions into your account, please contact your employer. You can also contact the ATO on 13 10 20 for further information.

All fees and charges are specified in the Fees, costs and tax fact sheet.

If you’re changing jobs or are no longer employed, you can keep your super with NGS Super. Your membership will continue unchanged, including any insurance you have with us while there is enough in your account to cover the premiums.

Should you gain employment with a different employer (no matter what industry), we can accept contributions from them into your superannuation account. Simply complete the Superannuation Choice e-form print it out, sign it and give it to your employer.

You give new employees NGS Super’s Product Disclosure Statement. This provides important information about the features, costs and benefits of investing superannuation with NGS Super.

Once an employee joins, we will send them a welcome pack and an annual statement.

Your contributions, rollovers and transfers are used to purchase investment units, which represents a portion of the Fund’s underlying investments in your particular investment option. Learn more about unit prices here.

You are required to receive a minimum payment (proportioned if income account starts during the year) based on your age as follows:

Your age as at 1 July	Minimum annual payment percentage factor (2018/19)
55-64	4.00%
65-74	5.00%
75-79	6.00%
80-84	7.00%
85-89	9.00%
90-94	11.00%
95+	14.00%

The minimum percentage factor relevant to your age will be applied to your account balance at 1 July each financial year in order to calculate your minimum required payment.

 

After-tax (member) contributions: you have the option to make regular personal contributions, deducted from your post tax earnings up to the legislated limit. This can be arranged as a regular payroll deduction through your employer payroll area. By topping-up from your after-tax income you may also be entitled to the Government co-contribution.

Lump sum contributions: you can also make a lump sum payment up to allowable limits at any time. By simply attaching a cheque, made payable to NGS Super with a covering letter, or by downloading and completing a Lump sum contribution eForm.

Before tax (salary sacrifice) contributions: with the prior approval of your employer, you can make regular contributions on a before-tax or salary sacrifice basis. Depending on your individual situation, salary sacrificing into super may save you tax. This can be arranged through your payroll or by downloading and completing a Payroll deductions eForm.

For any outstanding queries, you can contact our Helpline on 1300 133 177, Monday to Friday between 8am – 8pm AEST/AEDT. If calling from outside Australia phone +61 3 8687 1818.

NGS Super views insurance as an important benefit for members and your dependants. If you become permanently disabled or die, your NGS Super Life, terminal illness and disability (TPD) cover can provide you, your dependants or estate with a lump sum payment. If you have to stop work because of an illness or injury, our Income protection (IP) cover may provide you with a monthly income to assist with your living expenses after a specified waiting period  until you are able to return to work. Cover is not compulsory and you may elect to reduce or decline your cover at any time.

Take photocopies of your original proof of identity documents and have them certified as true copies of the originals.

The person certifying the documents must see the original document and the photocopy so that they can certify that the documents are identical. They must certify every page as a true copy by stamping or writing ‘certified true copy’, sign and add their printed name, full qualification as a certifier of identity documents (such as ‘a permanent employee of Australia Post with two or more years of continuous service’) and date.

You must send us certified copies of documents to prove you are the person making the transaction. Don’t send the originals.

ACCEPTABLE DOCUMENTS

One of the following documents:

• drivers licence, issued under Australian State or Territory law or equivalent authority of a foreign country for the purpose of driving a vehicle that contains your photograph
• passport issued by the Commonwealth
• a passport or a similar document issued for the purpose of international travel, that:

a. contains a photograph and either:
i. your signature; or
ii. any unique identifier¹ of yourself

b. is issued by a foreign government, the United Nations or an agency of the United Nations; and
c. if it is written in a language other than English – it is to be accompanied by an English translation prepared by an accredited translator

• A card issued under a State or Territory law for the purposes of providing your age which contains your photograph
• A national identity card issued for the purpose of identification, that:

a. contains your photograph and either:
i. any unique identifier¹ of yourself
ii. your signature; or
b. is issued by a foreign government, the United Nations or an agency of the United Nations; and
c. if it is written in a language other than English – it is to be accompanied by an English translation prepared by an accredited translator.

 

A combination of documents: 
If you can’t supply either a drivers licence or passport, you can send a combination of documents. You will need one document from each of the two groups below.

One of the following documents:

• birth certificate or birth extract issued by a State or Territory
• citizenship certificate issued by the Commonwealth
• citizenship certificate issued by a foreign government that, if it were written in a language other than English – it is to be accompanied by an English translation prepared by an accredited translator
• a birth certificate issued by a foreign government, the United Nations or an agency of the United Nations that, if it were written in a language other than English – it is to be accompanied by an English translation prepared by an accredited translator
• a concession card issued by the Australian Department of Human Services that entitles you to financial benefits.

AND

One of the following documents which:

1. was issued within the last twelve months; and
2. contains your name and residential address

• a notice from an office of the Australian Department of Human Services entitling you to a government financial payment
• a notice from the Australian Taxation Office recording a payment you are required to pay or vice versa
• a notice issued by a local council or utilities provider
• if you are under age 18, a notice that was issued to you by a school principal.

If you are unable to provide any of the documents above, you can call us on 1300 133 177 to discuss your circumstances as there may be an alternative identity process available.

¹  A unique identifier may include biometric identifiers which include but not limited to fingerprint, palm veins, face recognition, DNA, palm print, hand geometry, iris recognition.

1. a permanent employee of Australia Post with two or more years of continuous service
2. a finance company officer with two or more years of continuous service
3. an officer with, or authorised representative of, a holder of an Australian Financial Services Licence (AFSL) having two or more years of continuous service with one or more licensees
4. a notary public officer
5. a police officer
6. a registrar or deputy registrar of a court
7. a Justice of the Peace
8. a person enrolled on the roll of a state or territory Supreme Court or the High Court of Australia, as a legal practitioner
9. an Australian consular or diplomatic officer
10. a judge of a court
11. a magistrate
12. a Chief Executive Officer of a Commonwealth court
13. a teacher employed on a full-time basis at a school or tertiary education institution
14. an officer with, or a credit representative of, a holder of an Australian credit licence, having 2 or more years of continuous service with one or more licensees
15. a person in a foreign country who is authorised by law in that jurisdiction to administer oaths or affirmations or to authenticate documents.

You can download and print proof of identity information.

Complaints and enquiries

We try to ensure that our level of service meets your expectations. However, sometimes problems occur. If you are dissatisfied with your experience with NGS Super, please contact us:

Phone: 1300 133 177 8.00am-8.00pm (AEST or AEDT) weekdays

Overseas: +61 3 8687 1818

Online: ngssuper.com.au/contact-us

Mail: Complaints Officer, PO Box 21236, WORLD SQUARE NSW 2002

 

If we have not responded to your complaint within 90 days or you are not satisfied with our decision, you may be able to take the matter to an external complaint resolution service that is free to customers:

• with the Superannuation Complaints Tribunal (SCT) until 31 October 2018

Online: sct.gov.au

Email: [email protected]

Phone: 1300 884 114

Mail: Superannuation Complaints Tribunal (SCT), Locked Bag 3060, Melbourne VIC 3001

 

• with the Australian Financial Complaints Authority (AFCA) from 1 November 2018

Online: www.afca.org.au

Email: [email protected]

Phone: 1800 931 678 (free call)

Mail: Australian Financial Complaints Authority (AFCA), GPO Box 3, Melbourne VIC 3001

Time limits may apply to complain to SCT or AFCA and so you should act promptly or otherwise consult the SCT and AFCA websites to find out if or when the time limit relevant to your circumstances expires.

Complaints and enquiries

We try to ensure that our level of service meets your expectations. However, sometimes problems occur. If you are dissatisfied with your experience with NGS Super, we have a complaint resolution process to address your concerns fairly and efficiently.

How to make a complaint

Our internal dispute resolution process

Step 1

Contact us to discuss your concerns:

Phone: 1300 133 177 8.00am-8.00pm (AEST or AEDT) weekdays

Overseas: +61 3 8687 1818

Online: ngssuper.com.au/contact-us

Step 2

If your concerns can’t be resolved immediately, you can provide more detailed information about your complaint to our Complaints Officer by:

Mail: Complaints Officer
NGS Super
PO Box 21236
WORLD SQUARE NSW 2002

Email: ngssuper.com.au/contact-us

Step 3

We’ll investigate your complaint and try to resolve it in 10 business days.

If we can’t respond fully in that time, we will keep you informed about the progress of your complaint.

Our response will detail the outcome of the investigation and the reason for our decision. This process is free of charge.

External dispute resolution process

If we have not responded to you within 90 days for superannuation complaints or 45 days for complaints about financial advice received, or you are not satisfied with our decision, you may be able to take the matter to the external complaint resolution service that is free to consumers.

The Australian Financial Complaints Authority (AFCA) is an independent organisation which is available free of charge. AFCA helps to resolve complaints with financial services providers. Generally, they are able to consider your complaint if you have first used our internal dispute resolution process.

Australian Financial Complaints Authority (AFCA)

Online: afca.org.au

Email: [email protected]

Phone: 1800 931 678 (free call)

Mail: Australian Financial Complaints Authority (AFCA)
GPO Box 3
Melbourne
VIC 3001

Time limits may apply to your complaint and so you should act promptly or otherwise consult AFCA to find out if or when the time limit relevant to your circumstances expires.

 

Where an employer is submitting superannuation contribution payments via NGS Online a history of past contributions is accessible.

You give new employees NGS Super’s Product Disclosure Statement. This provides important information about the features, costs and benefits of investing superannuation with NGS Super. We will send a Product Disclosure Statement to employees, where a completed member application has not been received.

Once an employee joins, we will send them a welcome pack and regular statements and our member e-magazine, True Weath.

Quarter	Deadline for payment
1 July – 30 September	28 October
1 October – 31 December	28 January
1 January –31 March	28 April
1 April – 30 June	28 July

 

It’s not complicated. To register to make contributions to NGS Super, employers should complete an Employer Details Form to become a participating employer, available in our Employer Guide.

You must send us certified copies of documents to prove you are the person making the transaction. Don’t send the originals.

ACCEPTABLE DOCUMENTS

One of the following documents:

• drivers licence, issued under Australian State or Territory law or equivalent authority of a foreign country for the purpose of driving a vehicle that contains your photograph
• passport issued by the Commonwealth
• a passport or a similar document issued for the purpose of international travel, that:

a. contains a photograph and either:
i. your signature; or
ii. any unique identifier¹ of yourself

b. is issued by a foreign government, the United Nations or an agency of the United Nations; and
c. if it is written in a language other than English – it is to be accompanied by an English translation prepared by an accredited translator

• A card issued under a State or Territory law for the purposes of providing your age which contains your photograph
• A national identity card issued for the purpose of identification, that:

a. contains your photograph and either:
i. any unique identifier¹ of yourself
ii. your signature; or
b. is issued by a foreign government, the United Nations or an agency of the United Nations; and
c. if it is written in a language other than English – it is to be accompanied by an English translation prepared by an accredited translator.

 

A combination of documents: 
If you can’t supply either a drivers licence or passport, you can send a combination of documents. You will need one document from each of the two groups below.

One of the following documents:

• birth certificate or birth extract issued by a State or Territory
• citizenship certificate issued by the Commonwealth
• citizenship certificate issued by a foreign government that, if it were written in a language other than English – it is to be accompanied by an English translation prepared by an accredited translator
• a birth certificate issued by a foreign government, the United Nations or an agency of the United Nations that, if it were written in a language other than English – it is to be accompanied by an English translation prepared by an accredited translator
• a concession card issued by the Australian Department of Human Services that entitles you to financial benefits.

AND

One of the following documents which:

1. was issued within the last twelve months; and
2. contains your name and residential address

• a notice from an office of the Australian Department of Human Services entitling you to a government financial payment
• a notice from the Australian Taxation Office recording a payment you are required to pay or vice versa
• a notice issued by a local council or utilities provider
• if you are under age 18, a notice that was issued to you by a school principal.

If you are unable to provide any of the documents above, you can call us on 1300 133 177 to discuss your circumstances as there may be an alternative identity process available.

¹  A unique identifier may include biometric identifiers which include but not limited to fingerprint, palm veins, face recognition, DNA, palm print, hand geometry, iris recognition.

Take photocopies of your original proof of identity documents and have them certified as true copies of the originals.

The person certifying the documents must see the original document and the photocopy so that they can certify that the documents are identical. They must certify every page as a true copy by stamping or writing ‘certified true copy’, sign and add their printed name, full qualification as a certifier of identity documents (such as ‘a permanent employee of Australia Post with two or more years of continuous service’) and date.

1. a permanent employee of Australia Post with two or more years of continuous service
2. a finance company officer with two or more years of continuous service
3. an officer with, or authorised representative of, a holder of an Australian Financial Services Licence (AFSL) having two or more years of continuous service with one or more licensees
4. a notary public officer
5. a police officer
6. a registrar or deputy registrar of a court
7. a Justice of the Peace
8. a person enrolled on the roll of a state or territory Supreme Court or the High Court of Australia, as a legal practitioner
9. an Australian consular or diplomatic officer
10. a judge of a court
11. a magistrate
12. a Chief Executive Officer of a Commonwealth court
13. a teacher employed on a full-time basis at a school or tertiary education institution
14. an officer with, or a credit representative of, a holder of an Australian credit licence, having 2 or more years of continuous service with one or more licensees
15. a person in a foreign country who is authorised by law in that jurisdiction to administer oaths or affirmations or to authenticate documents.

You can download and print proof of identity information.

For any outstanding queries, you can contact our Helpline on 1300 133 177, Monday to Friday between 8am – 8pm AEST/AEDT. If calling from outside Australia phone +61 3 8687 1818.

NGS offer a comprehensive range of investment options. You can elect to change your investment options for your current income account balance by completing a Income Account investment switching form, or by logging into Member Online.  You can also use the investment switching form to nominate which investment options you want your future pension payments to be drawn from. You are entitled to one free investment switch each financial year (any additional investment switches will incur a fee, currently $30). There is no charge for any new nomination of investment options for pension drawdown purposes.

You can access financial planning as part of your NGS Super membership. To take advantage of this no obligation free initial financial planning consultation, just call 1300 133 177.

You are required to receive a minimum payment (proportioned if income account starts during the year) based on your age as follows:

Your age as at 1 July	Current minimum annual payment (2015/16)
55-64	4.00%
65-74	5.00%
75-79	6.00%
80-84	7.00%
85-89	9.00%
90-94	11.00%
95+	14.00%

 

Your contributions, rollovers and transfers are used to purchase investment units, which represents a portion of the Fund’s underlying investments in your particular investment option. Learn more about unit prices here.

NGS Super members can transfer their super to the KiwiSaver Scheme but the Fund cannot receive payments from KiwiSaver. Please use the Trans Tasman Portability form.

An employer has obligations under the Super Guarantee (SG) legislation to submit SG payments at least quarterly. However, there may be occasions when an employer is not obliged to contribute, for example if an employee earns less than $450 in a month. Employers who fail to comply with SG requirements, may incur a super guarantee charge, which includes SG payments, lost earnings and administration charge(s). If you have not received contributions into your account, please contact your employer. You can also contact the ATO on 13 10 20 for further information.

If you’re changing jobs or are no longer employed, you can keep your super with NGS Super. Your membership will continue unchanged, including any insurance you have with us while there is enough in your account to cover the premiums.

Should you gain employment with a different employer (no matter what industry), we can accept contributions from them into your superannuation account. Simply complete the Superannuation Choice e-form print it out, sign it and give it to your employer.

You can access financial planning as part of your NGS Super membership. To take advantage of this no obligation free initial financial planning consultation, just call 1300 133 177.

Your contributions, rollovers and transfers are used to purchase investment units, which represents a portion of the Fund’s underlying investments in your particular investment option. Learn more about unit prices here.

As a member, you are able to transfer other superannuation benefits into your account with NGS Super. Rolling over superannuation accounts may help you keep track of your money and may save you extra fees.

You can transfer any inactive accounts into NGS Super by:

• Logging into your NGS Member Online account, or
• Completing a Transfer authority eForm and returning it to NGS Super

While NGS Super does not charge you an entry fee for transferring your money in, you should check whether your other fund charges you an exit fee.

Overseas employers may not be obliged to make super contributions on your behalf, however if you negotiate your super contributions as part of your employer employment arrangements then NGS Super can receive a cheque (this can be in foreign currency). You may need to seek tax advice in relation to the working arrangements of the country you are visiting.

NGS Super does offer contribution splitting to members.

You can request your contributions to be split by completing the Contribution splitting eForm.

By completing an Investment switching eForm you can elect to change the investment option of your current account balance and/or for all future contributions, rollovers and transfers. You are entitled to one free investment switch each financial year. Any additional switch will incur a fee, currently $30.

If you entered Australia on an eligible temporary resident visa and you have permanently left Australia, you may claim any super you have accumulated. This provision does not apply to Australian and New Zealand citizens, even if they were the holder of an eligible temporary visa. For more details and to download an application form visit the ATO website.

The UK HM Revenue and Customs have approved NGS Super as a Qualifying Recognised Overseas Pension Scheme (QROPS).

Due to pension rule changes made by UK HM Revenue and Customs NGS Super is not able to accept transfers from English pension schemes for the time being.

The Fund charges a maximum administration fee of $1.25 per week ($65.00 per annum). Percentage based investment management fees are passed onto members by way of an adjustment to unit prices. Investment switching and withdrawal fees, currently $80, only apply in limit circumstances. All fees and charges are specified in the Fees, costs and tax fact sheet.

After-tax (member) contributions: you have the option to make regular personal contributions, deducted from your post tax earnings up to the legislated limit. This can be arranged as a regular payroll deduction through your employer payroll area. By topping-up from your after-tax income you may also be entitled to the Government co-contribution.

Lump sum contributions: you can also make a lump sum payment up to allowable limits at any time. By simply attaching a cheque, made payable to NGS Super with a covering letter, or by downloading and completing a Lump sum contribution eForm.

Before tax (salary sacrifice) contributions: with the prior approval of your employer, you can make regular contributions on a before-tax or salary sacrifice basis. Depending on your individual situation, salary sacrificing into super may save you tax. This can be arranged through your payroll or by downloading and completing a Payroll deductions eForm.

NGS Super views insurance as an important benefit for members and your dependants. If you become permanently disabled or die, your NGS Super Life, terminal illness and disability (TPD) cover can provide you, your dependants or estate with a lump sum payment. If you have to stop work because of an illness or injury, our Income protection (IP) cover may provide you with a monthly income to assist with your living expenses after a specified waiting period  until you are able to return to work. Cover is not compulsory and you may elect to reduce or decline your cover at any time.

If you wish to apply for new or increased cover, as well as reduce or cancel your cover altogether, you will need to complete an Insurance variation form. You will also need to provide additional health information for an increase in cover.