frequently asked questions

Here’s where you’ll find answers to some of the most common questions members ask. Can't find what you need? Try our chatbot at the bottom of the page or call us 8am-8pm Monday to Friday AET on 1800 813 327.

On this page:



frequently asked questions


The HESTA Fund ABN is 64 971 749 321.

The Unique Superannuation Identifier (USI) is HST0100AU.

You may need the above numbers if you want to combine your other super into your HESTA super account.

For Income Stream members the USI is HST0001AU.

If you are after the Trustee ABN it is 66 006 818 695.


Anyone can join!

While HESTA is the industry super fund dedicated to Australia’s health and community services, we’re a great choice for all Australians. Strong long-term returns, profits go to members and advice as part of your membership are just a few key reasons to join us. Whether you’re with an employer or self- employed, you can join us.

And it’s easier than ever: you can join online right now.


You can join HESTA online anytime. If you have questions or prefer to join over the phone request a call back.


You’ll find your member number on your digital member card. If you've already registered your email and/or mobile, you can download your card and save it to your phone for easy access. 

Download your digital member card >

Your member number is also on your HESTA welcome letter or email, statements and e-newsletters.

Or, you can call us on 1800 813 327 between 8am-8pm AET, Monday to Friday and we'll be happy to give you your member number over the phone once we've checked your details.


It’s easy to set up your online account. Just have your member number ready, visit and we’ll take you through the next steps to get your online account up and running.


If you’ve got your member number, you can reset your password by selecting the 'Forgot password' link.


Your member card is always available online. If you've already registered your email and/or mobile, you can download your card and save it to your phone for easy access.

Download your digital member card >


Generally, you need to wait until your preservation age. That’s an age set by the Government and yours depends on when you were born. You can check your preservation age on this chart.

Date of birth Preservation age
Before 01/07/60 55
01/07/60 - 30/06/61 56
01/07/61 - 30/06/62 57
01/07/62 - 30/06/63 58
01/07/63 - 30/06/64 59
After 30/06/64 60


Find out more about accessing your super.


Most people need to wait until they reach their preservation age (an age set by the government) before they can access their super. But if you’re affected by financial hardship or have compassionate needs, you may be able to access some of your super early.

If you’ve been financially affected by coronavirus, there are temporary rules in place that change when and how you can apply to access some of your super.

Learn more about accessing your super early.


Congrats on your new job! Whether your new employer is registered with HESTA or not, all you have to do is give them a completed Choice of super fund request form (pdf) (which includes the letter of compliance) when you start your new job.


It's easy to bring your other super accounts into HESTA. All you need to do is:

  • log in to your online account
  • enter your tax file number (TFN) if you haven't already given it to us
  • and provide consent for us to search for your other super.

If we find some, we'll show you where your other accounts are and how much you could combine into your HESTA account.

We'll remind you to check any insurance you may have with your other accounts.

The process usually takes about three business days.

Not online? You can also complete the rollover form (pdf).


We are committed to running things as if your money is our own. Administration fees are what we charge to keep the fund running and - importantly for you - growing. You can find a list of fees paid from your account in your online account.

For the full details on fees and costs read Fees and costs (pdf).


We give you the freedom to choose where your money is invested. That's because as your needs and goals change, your investment needs might change too.

If you didn't choose an investment option when you joined HESTA, all your super was automatically invested in our MySuper-authorised default investment option, Balanced Growth.

As well as Balanced Growth, you can choose from four other Ready-Made options (Conservative, Indexed Balanced Growth, Sustainable Growth and High Growth). You can also choose from Your Choice options (Cash and Term Deposits, Diversified Bonds, Property and Infrastructure, International Shares and Australian Shares). Or you can mix and match any combination.

Learn more about our super investment options

Learn more about our HESTA Income Stream investment options


You can check your cover right now in your online account.

If you need any help or have more questions, call us on 1800 813 327.

Depending on your age and balance you may not have received automatic cover yet.

Read more about when cover starts (and stops) in Insurance options (pdf).


There are two ways for you to boost your super. You can do it from your before-tax pay (concessional contribution) or your after-tax pay (non-concessional contribution).

Contributing before tax is taken out of your pay is also called salary sacrifice. Contact your payroll department or salary packaging provider to set up salary sacrifice directly from your pay.

Contributing after tax is easy - just use your BPAY number to top up whenever you like - you can find this in your online account or on a past annual statement. You can also do a direct bank transfer or even set up a direct debit to contribute a set amount frequently. Making after-tax contributions could also put you in line for a super co-contribution from the government if you're eligible.

There are caps on how much you can contribute per year. Read about them in How super works (pdf).


To ensure your super goes to who you want it to, nominate one or more beneficiaries. To make it legally binding, make a binding death benefit nomination. Learn more about beneficiaries below in the next section.


A beneficiary is a person who, under law and the HESTA trust deed, is eligible to receive your super when you die. You can nominate more than one beneficiary and your nomination can be 'preferred' or 'binding'.

Learn more about beneficiaries


Congratulations! The first step is to call our advice team on 1300 734 479. They can guide you through your options. Your super (less any taxes or other costs that may apply) can be paid as a lump sum or an income stream depending on your age and situation.

Please note the government has introduced a limit of $1.6m on the amount that can be converted into a retirement phase income stream.

Find out more about accessing your super when you retire


Yes, you can. You can open a HESTA Transition to Retirement (TTR) Income Stream to start accessing your super even before you retire, as long as you’re eligible. Most HESTA members use a TTR Income Stream strategy to boost their savings before they retire (and save on tax). Some also use it to maintain their income while winding down.

See how a TTR Income Stream works


Once you’ve reached age 60 you may be eligible for a HESTA Retirement Income Stream. Investment earnings in a retirement income stream are tax-free. (If you already have a HESTA TTR Income Stream, that will automatically convert when you reach age 65).

Read more about the HESTA Retirement Income Stream


The government sets minimum and maximum drawdown limits on income stream accounts. These are based on a percentage of the balance of your HESTA Income Stream account depending on your age and the type of income Stream you have.

For the last few financial years, minimum drawdown amounts have been reduced by 50% in response to the coronavirus pandemic. See the minimum drawdown rates here.

You can change the frequency, drawdown and amount of your income stream payments in your online account or by completing the Income stream change of income payment amount and frequency form.

If you need any help, give us a call on 1300 734 479.


Yes you can – expert advice is all part of your HESTA membership. You choose how you access it: online, by phone, or face-to face through nation-wide information sessions or personalised consultations.

Find out how we can help you.


If you're not satisfied with our products or services, we have a complaint resolution process to address your concerns fairly and efficiently.

You can make a complaint or find out more about our complaints process on our Complaints page


You'll find the minutes of our 2021 annual member meeting, and answers to questions members asked on the night on our annual member meeting page.


annual statement FAQs


Statements will be available online from early September for most members.

If you joined HESTA after 30 June 2022, you’ll receive your first statement next year – but you can check your account details anytime in your online account.


If we have your email address, we’ll send you an email letting you know your statement is available to view in your online account.

If you’ve told us you’d prefer to receive your statement by post, or we don’t have your email address, you’ll receive your statement in the mail. If you’d like to view your statement online when it's ready, you can log in to your account or set up your online account anytime.


You can choose to receive your annual statement by post or email. To let us know how you'd prefer to receive your statement in the future, log in to your online account, navigate to the 'Personal details' section and select your preference before 30 June. It’s that easy.


You can access a range of information in your online account, including:

  • your investment earnings
  • what investment option(s) your super is invested in
  • the contributions or payments you’ve received
  • your insurance cover (if applicable)
  • your personal details and preferences
  • Future Planner — your personalised tool that can help you plan your financial future.

If you don’t already have an online account, it’s easy to set one up. Just have your member number ready and visit We’ll take you through the next steps to get your online account up and running. It only takes a minute or two.


No, you don’t need your annual statement to complete your tax return. That’s because:

  • Insurance through super isn’t tax deductible. While the ATO allows you to claim the costs of income protection cover outside of super, your cover through your super can’t be claimed.
  • For most members, your super contributions aren’t tax deductible (unless you're making additional personal super contributions into your account). So you don’t need to have the total amount of contributions for the year to complete your tax return.


You may be able to claim a tax deduction for any after-tax contributions made into your super account.

Once you've made your contributions, you need to let us know that you’d like to claim a tax deduction for these contributions by completing the ATO’s Notice of intent to claim or vary a deduction for personal super contributions form.

We need to receive the form and confirm it's valid before (whichever of the below comes first):

  • the date you lodge your tax return, OR 
  • the end of the financial year after the contribution was made, OR 
  • you withdraw your super from HESTA, OR 
  • you commence an Income Stream

Find out more in How super works (pdf).


You’ll find your annual super contributions in your statement under ‘Your transaction summary’. For Income Stream members, you’ll find a detailed transaction summary in your statement under ‘A closer look at your account’.

You can also log in to your online account to view all your transactions as at the current date.


You’ll see your net investment earnings on page 1 of your statement. You can also see your account balance (including returns) anytime in your online account.


Our long-term performance speaks for itself, but we are navigating difficult market conditions in 2022. This impact has been felt broadly across financial markets and has resulted in many asset classes generating smaller or negative returns in the recent financial year.

While it can be uncomfortable to watch market volatility, it’s important to remember that super is a long-term investment. Even after periods of extreme market volatility, like the Global Financial Crisis (GFC), or more recently in the COVID pandemic, long-term investment returns recovered well.

While markets can fluctuate over the short term, it’s the returns generated over the long-term that really matter. Switching investment options during a short-term market downturn can have a negative effect on your super balance over the long term. It may mean locking in losses and missing out on potential higher returns generated when the market recovers.

Before switching your investment options, it’s important to consider your investment timeframe and the potential impact of switching investments based on short-term market movements. We strongly encourage you to seek financial advice before making any change to your investment strategy.

If you have questions about your investments, we’re here for you. Visit Super Help to make a time to chat with us. Our advisers are experts in helping members stay on top of their super investment strategy.


You can switch investment options anytime. The quickest and most convenient way to switch investment options is through your online account

We recommend you seek financial advice before switching investments. 


If you need more information about your statement, or if something doesn’t look right contact us. We’re here to help!




more questions? we have answers

As a HESTA member, you're never alone. We have dedicated experts ready to help, so you can get the most out of your super.

Not a member yet?

Becoming a HESTA member means you'll have access to personalised advice to help you get the most out of your super.