employer responsibilities

For most employers in health and community services, paying super on behalf of your people is compulsory. It's their money and they've worked hard for it.

the simple rules


  • The minimum you must pay is what's known as the 'super guarantee' or SG. 
  • Employees have the right to choose the fund their superannuation contributions are paid to.
  • In a big shift from the way super’s worked in the past, under new ‘stapling’ legislation applying from 1 November 2021, an employee’s super fund will follow them from job to job. This means when a new employee joins your organisation, you’ll need to contribute their super into their existing fund (if they have one) – unless they ask you to make a change. If they don’t already have a fund or haven’t notified you of their choice of fund, then you can pay into your default fund.

Find out more about stapling and your obligations >


What you need to know about the super guarantee (SG)

  • It's currently 11%* of an employee’s ordinary time earnings.
  • It's better for your employees if you pay it more regularly, like monthly, or fortnightly.
  • You must pay it at least four times per year, by the quarterly due dates.
  • If you don't pay on time, you may have to pay the SG charge (it's a bit like a fine).
  • It must be paid into a complying super fund. 

*The minimum legislated Superannuation Guarantee (SG) contribution is 11% and will rise by 0.5% each year on 1 July until it reaches and stays at 12% from 1 July 2025 onwards. 



HESTA Balanced Growth is the MySuper authorised option

Employers must nominate a super fund, where their employee(s) don't make choice of their own and the ATO haven't advised the employee has a stapled fund. About 80% of HESTA members are invested in our default option - Balanced Growth.

we're here to help
If you're responsible for super admin for your organisation, we're here to help.
Frequently asked questions are a useful resource to help you complete essential super admin tasks so you can get on with other things.



Ready to find the perfect match and make HESTA your default super fund?

We're all in this together. And we're better together. We'd love to talk to you about what we can do for you and your team.