The Superannuation that your employer pays on your behalf is your hard-earned money. If your employer is not paying your Super, they are stealing from you.

Many businesses that are struggling find it difficult to pay their debts as and when they fall due. If your employer is not paying their debts, there is a chance that they are not paying your Super, which has a direct effect on your retirement.

The payment of Super by your employer is enforced by the Australian Taxation Office (ATO). The ATO maintain records and are entitled to collect unpaid Super on your behalf.

How do you check if your employer is paying your Super?

1. First, make sure that you are entitled to Superannuation

Estimate your Superannuation entitlement here:

https://www.ato.gov.au/calculators-and-tools/estimate-my-super/

2. Ask your Boss if they are paying it – or ask the accounts department

3. Check your Superannuation statement from your Super Fund (but note Super is allowed to be paid up to 4 months after your regular wage)

4. Check with the Tax Office – Go to the ATO online via myGov to check the contributions that have been paid.

What to do if your Super has not been paid:

  1. Approach your employer and ask them if there is a problem
  2. Confirm how much is outstanding with your Super fund by checking your member statement
  3. As a last resort, you can report your employer to the ATO here:

https://www.ato.gov.au/Individuals/Super/Growing-your-super/Unpaid-super-from-your-employer/

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