Select transition FAQs

Yes, as a new member you'll receive a Welcome pack from us about your new account. This generally happens after your employer pays your first contribution to your new account.

AustralianSuper Select is a super account that features a tailored insurance arrangement negotiated by an employer for a specific group of employees.

To find out whether you’re eligible to join AustralianSuper Select, check the AustralianSuper microsite set up for your employer or speak to your employer.

Employees who aren’t eligible to join AustralianSuper Select may be set up with a new AustralianSuper Plan account that also includes basic age-based insurance cover (subject to eligibility). AustralianSuper Plan is our largest division, open to casual, part-time and full-time employees of any industry.

Employees who are eligible¹ for AustralianSuper Select:

If you joined your employer before 1 November 2021, and your super is paid to the previous default fund, generally all future super payments will be made to AustralianSuper Select. If you’re unsure if this applies to you, or if you joined your employer on or after 1 November 2021, contact your payroll department to confirm what you need to do before the transition date if you’d like to join AustralianSuper.

If you’ve previously chosen your super fund, your super payments will continue to be made to that super fund, unless you choose to have your super paid to an AustralianSuper Select account or another super fund by notifying your employer.

Employees not eligible¹ for AustralianSuper Select:

If you’re not eligible for AustralianSuper Select, with super paid into the previous default fund, and you’ve been employed by your current employer before 1 November 2021, your super will generally be paid into AustralianSuper Plan (our largest division, open to casual, part-time and full-time employees of any industry), unless you choose another fund.

If you’re unsure if this applies to you or if you joined your employer on or after 1 November 2021, contact your payroll department to confirm what you need to do before the transition date if you’d like to join AustralianSuper.

If you’ve previously chosen your super fund, your super payments will continue to be made to that super fund unless you choose to have your super paid into an AustralianSuper Plan account or another super fund by notifying your employer.

¹ Visit the AustralianSuper microsite set up for your employer to see if you’re eligible to join AustralianSuper Select or speak to your employer.

Employees who are eligible¹ for AustralianSuper Select:

If you joined your employer before 1 November 2021, and your super is paid to the previous default fund, (not your existing AustralianSuper account), generally all future super payments will be made to AustralianSuper Select.

When we receive the first super payment from your employer, we’ll write to you and explain any changes to your insurance as well as your options, which may be to:

• change your existing account to a AustralianSuper Select account
• keep two separate accounts; or
• keep your existing account as it was.

If you’re unsure if the above applies to you, or if you joined your employer on or after 1 November 2021, contact your payroll department to confirm what you need to do before the transition to AustralianSuper.

If you’ve previously chosen your super fund and wish to stay with that fund, you do not need to do anything. Your super payments will continue to be made to that super fund. If you’d like to have your super paid to an AustralianSuper Select account or another super fund, you can notify your employer.

Employees not eligible¹ for AustralianSuper Select:

If you’re not eligible for AustralianSuper Select with super paid into the previous default fund, and you’ve been employed by your current employer before 1 November 2021, your super will generally be paid into AustralianSuper Plan, unless you choose another fund.

Your super payments we receive from your employer will be paid into your existing AustralianSuper account.

If you’re unsure if this applies to you, or if you joined your employer on or after 1 November 2021, contact your payroll department to confirm what you need to do before the transition to AustralianSuper.

If you’ve previously chosen your super fund, you do not need to do anything. Your super payments will continue to be made to that super fund, unless you choose to have your super paid into an AustralianSuper Plan account or another super fund by notifying your employer.

¹ Visit the AustralianSuper microsite set up for your employer to see if you’re eligible to join AustralianSuper Select or speak to your employer.

Whether you join AustralianSuper Select or AustralianSuper Plan, you get the same benefits that all AustralianSuper members enjoy, such as:

• a history of strong, long-term performance¹
• access to a global investment portfolio
• a profit-for-member fund
• flexible insurance options.

However, AustralianSuper Select is only available through selected employers, and offers tailored, flexible insurance cover to suit your needs.

When you join AustralianSuper, there’s nothing you need to do initially. Your new account with either AustralianSuper Select or AustralianSuper Plan will be set up automatically. You’ll then receive your welcome pack, which will detail:

• information about nominating your beneficiaries,
• your insurance options² (including starting or applying to increasing your cover, transferring cover or changing your individual work rating),
• making an investment choice(s), and
• how you can combine your other superannuation fund/s with your new account³.

¹ AustralianSuper Balanced investment option compared to the SuperRatings Fund Crediting Rate Survey - SR50 Balanced (60–76) Index to 31 December 2024. Investment returns aren’t guaranteed. Past performance isn’t a reliable indicator of future returns.

² AustralianSuper insurance is provided by TAL Life Limited (the Insurer) ABN 70 050 109 450, AFSL 237848

³ Before making a decision to combine your super, consider any fees or charges that may apply, and the effect a transfer may have on benefits in your other fund such as insurance cover. We recommend you consider seeking financial advice. If you wish to claim a tax deduction for personal super contributions, you must lodge a notice of intent to claim a tax deduction with your other fund before you combine your super.

If you’re an existing AustralianSuper member and your employer already pays super into your nominated AustralianSuper account, your employer will continue to pay your super into that account when AustralianSuper becomes the new default fund.

If you’re an eligible employee, you can join AustralianSuper Select by completing the ATO Choice of fund form, or updating your online HR tool, nominating to join the employer’s default fund.

If you’re not eligible¹ for AustralianSuper Select and already a member of AustralianSuper, nothing will change. Your employer will continue to pay your super into your AustralianSuper account.

¹ Visit the AustralianSuper microsite set up for your employer to see if you’re eligible to join AustralianSuper Select or speak to your employer.

There’s nothing for you to do if you want to stay with your current fund. Your employer will continue paying your super contributions into that fund.

If you’d like to join AustralianSuper Select (if eligible) or AustralianSuper Plan, please read the relevant Product Disclosure Statements (PDS) for AustralianSuper Select or AustralianSuper Plan.

If you decide AustralianSuper is right for you, you can complete the ATO Superannuation standard choice form and return it to your payroll.

If you already have insurance¹ in your existing AustralianSuper account, and you’re eligible to join AustralianSuper Select, we’ll write to you to explain how your insurance may change when your existing account is transferred to AustralianSuper Select. We’ll explain what cover is transferred and any new cover you might receive by joining your employer’s AustralianSuper Select plan.

¹ AustralianSuper insurance is provided by TAL Life Limited (the Insurer) ABN 70 050 109 450, AFSL 237848.

If you’re thinking of combining super from your other fund into AustralianSuper, it’s important to know that combining (consolidating) your super doesn’t automatically transfer any insurance cover you may have to AustralianSuper¹. If you want to transfer your insurance cover, you should wait until you’ve received written confirmation from us before combining your super.

Please check whether AustralianSuper basic cover² suits your needs and circumstances. You may need to tailor the cover to your needs (apply to increase or decrease the amount of cover you have), as your insurance with your other fund will stop as soon as you close that super account.

Our insurance calculator can help you work out how much cover you may need.

We recommend you consider seeking financial advice.

You’ll find details about your cover, the cost of your cover and who pays for it under the Insurance tab on the AustralianSuper microsite set up for your employer.

¹ Before making a decision to combine your super, consider any fees or charges that may apply, and the effect a transfer may have on benefits in your other fund such as insurance cover. We recommend you consider seeking financial advice. If you wish to claim a tax deduction for personal super contributions, you must lodge a notice of intent to claim a tax deduction with your other fund before you combine your super.

² AustralianSuper insurance is provided by TAL Life Limited (the Insurer) ABN 70 050 109 450, AFSL 237848.

Eligible employees who join AustralianSuper Select will receive a tailored insurance cover¹ design, agreed to by your employer.

Visit the AustralianSuper microsite set up for your employer to download the Insurance in your super guide for AustralianSuper Select or AustralianSuper Plan, and the AustralianSuper Select booklet for your employer (once available), for more information on:

• basic cover² (amount of cover, the cost of cover, when it’s provided automatically and how to apply),
• changing or cancelling cover, and
• transferring any existing insurance cover.

Use our insurance calculator to help work out how much cover you may need.

¹ AustralianSuper insurance is provided by TAL Life Limited (the Insurer) ABN 70 050 109 450, AFSL 237848.

² The cover provided automatically is based on your division, age, account balance and if you are receiving employer contributions. You can apply to increase, decrease, cancel or change your cover anytime. Age limits and other conditions apply. Read the Insurance in your super guide for more information.

As an AustralianSuper Select member, your employer arranges basic insurance cover¹ that’s provided with your super account.

This cover provides a basic level of protection if you die or become ill or injured (age limits and other conditions apply). The cost of some or all of your basic cover will either be paid for by your employer, or you’ll pay for it yourself.

If you pay for it, the cost of your cover will be deducted monthly from your super account. Check your AustralianSuper Select booklet for your employer (once available) for details about your cover and to find out who pays for it.

You can apply to change or cancel the cover at any time if you wish. Read the Insurance in your super guide for AustralianSuper Select members to find out how.

¹ AustralianSuper insurance is provided by TAL Life Limited (the Insurer) ABN 70 050 109 450, AFSL 237848.

Any basic cover your employer pays for will start once you’ve received an employer super contribution from your AustralianSuper Select employer, and you have enough money in your super account to cover the cost of the first month of insurance¹.

Basic cover you pay for will start automatically once you’ve turned 25; and have a super balance of $6,000; and have received an employer super contribution after you meet both age and balance requirements. You also need to have enough money in your super account to cover the cost of the first month of insurance¹.

See the Insurance in your super guide for AustralianSuper Select members for important information about when cover starts.

As a new member, you can apply to start your basic cover earlier, without providing detailed health information for the Insurer² to consider. You’ll need to apply within 120 days from the date of your welcome letter (time limits and other conditions apply).

¹ If you don’t have enough money in your super account to pay for your cover, the date your cover starts may be based on a subsequent employer super contribution (instead of your first).

² AustralianSuper insurance is provided by TAL Life Limited (the Insurer), ABN 70 050 109 450, AFSL 237848.

Visit the AustralianSuper microsite set up for your employer to download the:

• AustralianSuper Select booklet for your employer (once available), or
• AustralianSuper Plan Insurance in your super guide.

These booklets provide detailed information on the premium costs to help you make decisions about your insurance options¹.

¹ AustralianSuper insurance is provided by TAL Life Limited (the Insurer) ABN 70 050 109 450, AFSL 237848.

A work rating classifies the usual activities of your job into one of three ratings: Blue Collar, White Collar or Professional. Your work rating is one factor that determines how much you pay for your insurance cover¹.

Insurance cover with a Blue Collar work rating is the most expensive.

As an AustralianSuper Select member, you have both an individual work rating and a category work rating. These work ratings are used to calculate the cost of your cover.

Your individual work rating is Blue Collar unless you’re eligible to change to White Collar or Professional and your application is approved by the Insurer. Our default work rating is Blue Collar because all Australians are welcome to join AustralianSuper and our membership demographic is wide.

Your category work rating² is unique to your AustralianSuper Select employer and only applies while you’re their employee. You can’t change your category work rating because it’s arranged by your employer.

The work rating we use to calculate the cost of your cover

If your individual and category work ratings are different, we’ll apply the less expensive work rating to calculate the cost of your cover. This is your applied work rating. That’s why it’s important to check your individual work rating – because while you’re with your AustralianSuper Select employer, if your individual work rating is less expensive than your category work rating, your cover will be less expensive.

To check your current individual work rating and to apply to change it online, log into your AustralianSuper account and go to Insurance.

For more on your cover in AustralianSuper Select, read the Insurance in your super guide for AustralianSuper Select members.

¹ AustralianSuper insurance is provided by TAL Life Limited (the Insurer), ABN 70 050 109 450, AFSL 237848.

² If you’re a Clough employee, you only have an individual work rating. You don’t have a category work rating.

Your new AustralianSuper account will be set up in the Balanced option, which aims to help your savings grow over the medium to longer term. You can choose your preferred investment options in the mobile app or the member portal.

At AustralianSuper, we have a range of suitable options for different investing styles – whether you’re hands-on or someone who’s happy to leave decisions to the experts. To see our complete range of investment options, visit australiansuper.com/investmentoptions

It won’t happen automatically, but if you decide to combine your accounts, this takes just a few simple steps. Visit the AustralianSuper microsite set up for your employer to find more information.

Before making a decision to combine your super, ask your other super fund about any fees or charges that may apply, and other information about how this transfer may affect your benefits, such as insurance cover. We recommend you consider seeking personal advice. If you wish to claim a tax deduction for personal super contributions, you must lodge a notice of intent to claim a tax deduction with your other fund before you combine your super.

To learn more about combining or finding any lost super, visit australiansuper.com/consolidate

Yes. Once you’re a member, you can set up your account access and download the free AustralianSuper app in a few simple steps, to manage your super, anywhere, anytime.

To set up your account, visit australiansuper.com/register. You’ll need your member number and email address. Once you’ve set up your online access, visit australiansuper.com/mobile to download the app from the App Store (iOS) or Google Play (Android).

When you log in to the app for the first time, you’ll need your AustralianSuper online account login details. You can then follow the prompts to set up a four-digit PIN for future logins.

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