My employer isn't paying my super
How to check, what to do, and your rights when super isn't being paid correctly.
How to check your super
Log in to your super fund's website or app to check recent contributions. Your employer must pay super at least quarterly (by the 28th day after each quarter ends). If you can't see contributions for the last quarter, it may not have been paid. You can also check via your myGov account linked to the ATO.
Who is entitled to super?
Since 1 July 2022, ALL employees are entitled to super from the first dollar earned — there is no minimum earnings threshold. This includes part-time, casual, and temporary employees. Contractors may also be entitled if they work primarily under the direction of the hirer.
What to do if super isn't being paid
1. Check with your employer — there may be a processing delay. 2. Log into your super fund to verify contributions. 3. If missing, report it to the ATO using the 'Report unpaid super' tool at ato.gov.au. The ATO can investigate and recover unpaid super. 4. The ATO charges the employer the Super Guarantee Charge (SGC) which includes the unpaid super, interest, and an admin fee.
Super Guarantee Charge
If an employer doesn't pay super on time, they must pay the Super Guarantee Charge (SGC) to the ATO. The SGC includes: the unpaid super amount calculated on total salary (not just ordinary time earnings), interest of 10% per annum, and a $20 administration fee per employee per quarter. The SGC is not tax-deductible.
Official resources
General information and estimates only — not legal, financial, or tax advice. Always verify with the Fair Work Ombudsman (13 13 94) or a qualified professional.