New employees who aren’t in eligible Commonwealth or ACT Government employment
There are some things you need to know before you pay contributions to PSSap for the first time for one of your employees.
PSSap Membership Types
PSSap has two different types of membership—choice and employer-sponsored members—and it’s important to know what category your employee falls into.
If your organisation has never contributed to a CSC scheme on behalf of your employees before, it’s likely that your employees will be PSSap choice members. Choice members refer to people that have elected to continue contributing to PSSap as their superannuation fund after they have ceased eligible employment. Generally, to become a choice member, the person must have been an employer-sponsored member for a continuous period of at least 12 months.
The second category, employer-sponsored members, include people that have elected to join, or defaulted to, PSSap as their superannuation fund through eligible employment. ‘Eligible employment’ commonly refers to Australian Government employment, but can include employment with other employers as well.
If you’re not sure if you’re eligible to make superannuation contributions for your employees as employer-sponsored members of PSSap, you believe that you should be eligible, or you’re just looking for more information on employer-sponsored members, please contact us.
Your employee(s) will need to register you as their employer before you can start paying contributions for them as a choice member—they can do this in their member services online account. If your employee enters your email address when they register, you should also receive an email with all the PSSap information you need to process the contributions.
You must pay contributions to PSSap via a SuperStream compliant method. If your Clearing House states that PSSap is a restricted fund, please email us. You may need a Fund Employer ID, which we can generate for you.
Other things to note
The following information is relevant for employees who have multiple employers.
A person can be an employer-sponsored member with multiple eligible employers at the same time. It’s also possible for them to be a choice member with multiple employers at the same time. However, they cannot be both an employer-sponsored and a choice member at the same time.
If your employee is an employer-sponsored member through other employment, they can’t be a choice member through their employment with you. In these circumstances, you will not be able to make superannuation contributions to PSSap on their behalf. Your employee will need to choose another superannuation fund for you to pay their superannuation contributions.
If you are paying contributions for an employee as a choice member and they later become an employer-sponsored member, such as through other employment with the Australian Government, they can no longer be a choice member. They will need to advise you of another superannuation fund for you to pay their superannuation contributions.
If your employee then ceases to be an employer-sponsored member, for example, if they cease employment with the Australian Government, they need to re-register you as their employer before you can recommence contributions to PSSap on their behalf as a choice member.
We have a dedicated team ready to support you at any point throughout your time contributing to PSSap. If you have questions please don’t hesitate to contact us.
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