CONTENTS
Superannuation
12
Superannuation
12.1
Introduction
1
12.1.1
Tax File Numbers
1
12.1.2
Pillar Customer Service Centre
1
12.2
First State Super (FSS)
2
12.2.1
Introduction
2
12.2.2
Membership of FSS
2
12.2.3
Contributions to FSS
2
12.2.3.1
12.2.3.2
2
2
Employer Contributions
Personal Contributions
12.2.4
FSS Contributions for Teachers on Leave Without Pay and Paid Maternity Leave
2
12.2.5
Transfer or Secondment within the NSW Public Sector
3
12.2.6
Leaving Public Sector Employment
3
12.2.7
Retirement Age for FSS
3
12.2.8
Invalidity Retirement or Death of a Member
3
12.2.9
Statements
3
12.3
State Authorities Superannuation Scheme (SASS)
4
12.3.1
Introduction
4
12.3.2
Membership of SASS
4
12.3.3
SASS Contributions for Teachers on Unpaid Leave
4
12.3.3.1
12.3.3.2
12.3.4
12.3.5
4
5
SASS Contributions for Teachers on Part Time Leave Without Pay
or Changed Work Arrangements
5
SASS Contributions for Teachers on Temporary Appointments, Secondments
or Acting Arrangements
5
12.3.5.1
12.3.5.2
12.3.6
“Prescribed Leave”
Full Time Leave Without Pay
Temporary Appointments or Higher Duties in the Department
of Education and Training
Temporary Appointments, Secondments or Acting Arrangements
to Another Organisation
5
6
Leaving the Department of Education and Training
6
12.3.6.1
12.3.6.2
12.3.6.3
12.3.6.4
6
6
6
7
Teachers Handbook 2003
Resignation
Retirement
Invalidity Retirement
Death of a Member
CONTENTS
12.3.6.5
Superannuation
"Basic Benefit"
7
12.4
State Superannuation Scheme (SSS)
8
12.4.1
Introduction
8
12.4.2
Membership of SSS
8
12.4.3
SSS Contributions for Teachers on "Approved Leave"
8
12.4.4
SSS Contributions for Teachers on Full Time Leave Without Pay
8
12.4.4.1
12.4.4.2
12.4.4.3
Full Time Leave Without Pay (Not "Approved Leave")
Up to Six Months
Full Time Leave Without Pay (Not "Approved Leave")
More than Six Months and Up to Two Years
Full Time Leave Without Pay (Not "Approved Leave")
More than Two Years
8
9
10
12.4.5
SSS Contributions for Teachers on Part Time Leave Without Pay
10
12.4.6
SSS Contributions for Teachers on Changed Work Arrangements
10
12.4.7
SSS Contributions for Teachers on Temporary Appointments or
Higher Duties in the Department of Education and Training
10
SSS Contributions for Teachers on Temporary Appointments, Secondments
or Acting Arrangements to Another Organisation
10
12.4.8
12.4.8.1
12.4.8.2
12.4.8.3
12.4.9
If the Member is Not Paid on the Department’s Payroll
If the Member is Paid on the Department’s Payroll
Annual Review Day
11
11
11
Leaving the Department of Education and Training Employment
11
12.4.9.1
12.4.9.2
12.4.9.3
12.4.9.4
12.4.9.5
12.4.9.6
11
11
11
12
12
12
Teachers Handbook 2003
Transfer or Resignation
Early Voluntary Retirement
Normal Retirement
Invalidity Retirement
Death of a Member
"Basic Benefit"
12 SUPERANNUATION
12.1
Introduction
Introduction
The information in this chapter is based on superannuation provisions applicable prior to
the issue of the Teachers Handbook.
There are currently three public sector superannuation schemes which may apply to
teaching staff in schools:

First State Super (FSS)

State Authorities Superannuation Scheme (SASS)

State Superannuation Scheme (SSS)
These schemes are administered by Pillar on behalf of the schemes Trustee. Teachers
should contact the Pillar Customer Service Centre for information regarding individual
entitlements.
12.1.1
Tax File Numbers
It is not compulsory to provide a tax file number (TFN) to Pillar. However, if the TFN is not
provided tax is deducted at the highest marginal rate. As a result of Commonwealth Tax
Surcharge legislation, members who have not provided their TFN could also have a further
tax imposed.
12.1.2
Pillar Customer Service Centre
It is very important that members understand the rules of their scheme. Pillar Customer
Service Centre assists members with information about their scheme membership and with
information about spouse contributions, the superannuation surcharge and accessing
superannuation benefits (arrangements can be made for information to be provided in
translation).
For contact details, see the information at the end of this Chapter.
Teachers Handbook 2003
page 12-1
12 SUPERANNUATION
12.2
First State Super (FSS)
12.2.1
Introduction
First State Super (FSS)
First State Super (FSS) is the NSW Government superannuation scheme set up to accept
and manage the compulsory superannuation contributions that public sector employers are
required to make for their employees in terms of the Commonwealth Superannuation
Guarantee legislation. FSS was established by the First State Super Act, 1992 and is
administered by the Pillar on behalf of the schemes Trustee.
12.2.2
Membership of FSS
Employees automatically became members of FSS if they were aged under 70 years re
employed for ten hours or more a week, and were not members of one of the previous
schemes (an exception would be staff who are members of SSS or SASS and are also
employed as a casual or temporary eg while on leave without pay).
Contributions cease at age 70.
Members of the closed schemes (ie SSS or SASS) can choose to make personal ("top up")
contributions to FSS.
12.2.3 Contributions to FSS
12.2.3.1 Employer Contributions
The employer’s contribution is based on the total earnings for ordinary hours of
work plus any earnings from shift loading. Overtime and lump sum payments on
termination of employment are not included (for more information refer to the
Taxation Office ruling, Superannuation Guarantee Ruling: Ordinary Time
Earnings).
The employer contribution required to be made to FSS is 9% of ordinary time
earnings from 1 July 2002.
FSS is unable to accept contributions for an employee who has reached age 70.
12.2.3.2 Personal Contributions
FSS members can add to their existing scheme entitlements by making personal
contributions from their after tax pay to FSS. FSS also accepts Eligible
Termination Payments rolled over from another superannuation or rollover fund.
FSS is generally unable to accept top up contributions after a member reaches
age 70.
Personal contributions (there is no minimum contribution) can be made by regular
deductions from after tax pay or by single payments made at any time (the
teacher can make this payment directly to FSS). To authorise deductions from
pay, it is necessary to fill in a Payroll Deduction Authority form (contained in the
FSS member information booklet).
12.2.4
FSS Contributions for Teachers on Leave Without Pay and Paid Maternity Leave
Contributions to FSS cease during periods of leave without pay and paid maternity leave.
The Teachers Salaries Section should be advised if the amount of optional personal
contribution is to be reduced during part time leave without pay.
Teachers Handbook 2003
page 12-2
12 SUPERANNUATION
12.2.5
First State Super (FSS)
Transfer or Secondment within the NSW Public Sector
If a teacher is transferred or seconded within the NSW public sector they keep their existing
FSS account.
12.2.6
Leaving Public Sector Employment
FSS benefits are portable so the member can elect to leave their accrued benefit in FSS or
transfer it to another scheme for preservation under Commonwealth standards. Further
information is available from Pillar’s Customer Service Centre. Contact details are
provided at the end of this Chapter.
12.2.7
Retirement Age for FSS
The rules of FSS set the earliest retirement age at 55 years. However, access to payment
of benefits is governed by the Federal Government’s preservation rules. Further
information is available from Pillar’s Customer Service Centre. Contact details are
provided at the end of this Chapter.
Date of Birth
Before 1.7.60
1.7.60 – 30.6.61
1.7.61 – 30.6.62
1.7.62 – 30.6.63
1.7.63 – 30.6.64
After 1.7.64
12.2.8
Preservation Age
55
56
57
58
59
60
Invalidity Retirement or Death of a Member
Information about an invalid or deceased member's entitlements is available from Pillar’s
Customer Service Centre. Contact details are provided at the end of this Chapter.
12.2.9
Statements
Generally, two statements are issued to members each year. That is a half yearly
statement providing account details for the period 1 July to 31 December (issued to
members whose account balance exceeds $1,000) and the annual statement covering
details for the previous year to 30 June.
Teachers Handbook 2003
page 12-3
12 SUPERANNUATION
State Authorities Superannuation Scheme (SASS)
12.3
State Authorities Superannuation Scheme (SASS)
12.3.1
Introduction
The State Authorities Superannuation Scheme (SASS) is a hybrid scheme governed by the
State Authorities Superannuation Act 1987, the State Authorities Non-contributory
Superannuation Act 1987 and the Superannuation Administration Act 1996. It is
administered by Pillar on behalf of the scheme Trustee.
12.3.2
Membership of SASS
From 1 July 1985 new employees were eligible to join the State Public Service
Superannuation Scheme (SPSSS). The SPSSS was replaced by SASS which started on 1
April 1988. Members of SPSSS transferred to SASS with existing entitlements.
SASS closed to new members on 18 December 1992.
As there is some variation to the standard features of the scheme for members who
transferred into SASS from the older, closed schemes, these members should check their
individual circumstances with Pillar’s Customer Service Centre before making any
decisions on the options that may be available to them.
Members of SASS can choose to make personal (“top up”) contributions to First State
Super.
12.3.3
SASS Contributions for Teachers on Unpaid Leave
12.3.3.1 “Prescribed Leave”
“Prescribed Leave” is a period of leave without pay during which the member:








is on sick leave without pay*;
gets workers' compensation payments;
is on maternity/adoption leave without pay*;
is seconded to a non-fund employer;
does union duties (six months or less, approved by the Department of
Education and Training);
does approved duties for the Department or the State;
is on service with the naval, military or air forces of the Commonwealth;
is on approved study leave without pay* (with financial assistance only).
*The Commonwealth’s occupational superannuation standards prohibit employersponsored superannuation funds from accepting contributions for persons who
have not been employed either full time or part time (at least ten hours a week)
during the previous two years. From 1 January 1994, a continuous period of
"prescribed leave" for more than two years of sick, maternity, adoption leave
without pay and study leave ceases to be "prescribed leave" and Pillar must be
advised. The member cannot elect to pay the employer contributions during this
period.
Pillar is not advised of "prescribed leave" and members have two options for
payment of contributions:
Option (a)
The member can apply to Pillar on the grounds of financial hardship, to reduce
their personal contributions to as low as 0% for a limited period. The election
must be submitted within three months of the member:
Teachers Handbook 2003
page 12-4
12 SUPERANNUATION
State Authorities Superannuation Scheme (SASS)

being advised of the amount of arrears owing for the period of leave without
pay; or

starting on workers’ compensation payments (providing the payments are
less than the member’s normal salary).
If the application is approved for 0%, the contributions are not payable, the period
does count as service although benefit points do not accrue.
Option (b)
The member pays their normal personal contributions, for the whole period, at the
rate that applied before they started the leave without pay, to the Department.
The member does not have to pay the employer contributions to the Department,
and the period of leave counts for benefit point accrual and the employerfinanced benefit. Additional benefit cover contributions (if they apply) continue to
be charged to the member’s account.
The member pays their personal contributions to the Department in a lump sum
in advance, in regular fortnightly payments in advance, or in regular fortnightly
payments during the period of leave.
12.3.3.2 Full Time Leave Without Pay
Whole calendar months of full time leave without pay do not count as contributory
service. Personal contributions are not paid and no employer-financed benefit
accrues. The member continues to pay full contributions for part months and the
employer-financed benefit accrues.
Generally, leave without pay of more than five continuous days does not count for
service for the calculation of the basic benefit.
12.3.4
SASS Contributions for Teachers on Part Time Leave Without Pay or Changed Work
Arrangements
The amount of personal contribution is adjusted on the basis of the new salary if a member
changes:




12.3.5
from permanent full time to part time work;
from permanent part time to full time work;
permanent part time hours worked;
takes part time leave without pay, including part time parental leave without pay
and non approved study leave without pay.
SASS Contributions for Teachers on Temporary Appointments, Secondments or
Acting Arrangements
12.3.5.1 Temporary Appointments or Higher Duties in the Department of Education
and Training
If the member is on a temporary appointment, as a result of competitive selection
for an advertised position, which is to be continuous for at least one year, the
higher salary can be advised to Pillar for the annual salary review. If a temporary
appointment or higher duties (at the full rate) for less than one year is extended,
the higher salary can be advised to Pillar for the annual salary review after the
member has completed one continuous year at the higher rate.
Teachers Handbook 2003
page 12-5
12 SUPERANNUATION
State Authorities Superannuation Scheme (SASS)
12.3.5.2 Temporary Appointments, Secondments or Acting Arrangements to
Another Organisation
If a teacher is on temporary appointment, secondment or acting arrangements to
another organisation (including to the NSW TAFE Commission) Pillar is not
advised of the release. The Department remains the employer for both the
employee and employer contributions. The teacher’s personal contributions are
deducted by the temporary employer and reimbursed to the Department.
The Department is reimbursed for the employer contributions if the temporary
employer is not a budget sector employer, but is not reimbursed if the temporary
employer is a budget sector employer.
If the member’s annual salary review at 31 December occurs while they are on
the release the salary advised is as follows:
12.3.6

Teachers appointed on a higher salary for at least one year can have the
higher rate advised to Pillar if the employer is a participating employer to
the fund. If the appointment is for less than one year, the higher rate can
be advised after completion of one continuous year at the higher rate. If
the higher rate is paid by allowance, the allowance must be paid at the
full rate.

Teachers appointed on a higher salary to an employer who is not a
participating employer to the fund cannot have the higher rate advised to
Pillar unless the Governor has declared the employer is a participating
employer in the circumstances. The salary that applies is the substantive
salary that the Department would have paid if the teacher was not on the
release. This includes Award variations and increments.
Leaving the Department of Education and Training
12.3.6.1 Resignation
Resignation applies if a teacher accepts a permanent position in the NSW public
sector which is not in the Public Service, for example, a position in the NSW
TAFE Commission. However, if the member resumes employment with another
participating employer to the fund, SASS membership can continue. A former
contributor can apply to retain membership in the Scheme where the break in
service is less than three calendar months, application for payment of benefits
has not been made, and an election to reenter the Scheme is made within three
months of re-employment.
12.3.6.2 Retirement
The earliest retirement age for the purposes of SASS is generally at 58 years or
over (members who transferred from other Schemes may be eligible to retire at
55 years) and for the basic benefit 55 years.
12.3.6.3 Invalidity Retirement
An invalidity benefit is payable if a member is retired before their earliest
retirement age (see Section 12.3.6.2 above) on the grounds of physical or mental
incapacity to perform their duties. Further information is available from Pillar’s
Customer Service Centre. Contact details are provided at the end of this
Chapter.
Teachers Handbook 2003
page 12-6
12 SUPERANNUATION
State Authorities Superannuation Scheme (SASS)
12.3.6.4 Death of a Member
Information about a deceased member's entitlements is available from Pillar’s
Customer Service Centre. Contact details are provided at the end of this
Chapter.
12.3.6.5 “Basic Benefit”
The "Basic Benefit" is paid for by the employer and is payable in a lump sum on
exit from employment at or after age 55 (in accordance with the Federal
Government’s superannuation payment standards) and on total and permanent
invalidity or death before that age (two doctor’s certificates certifying total and
permanent invalidity are required). In other circumstances of exit from
employment before age 55 (e.g. resignation) the benefit is generally required to
be preserved.
Generally, a period of leave without pay of five days or more does not count as
service for the "Basic Benefit".
Date of Birth
Before 1.7.60
1.7.60 – 30.6.61
1.7.61 – 30.6.62
1.7.62 – 30.6.63
1.7.63 – 30.6.64
After 1.7.64
Teachers Handbook 2003
Preservation Age
55
56
57
58
59
60
page 12-7
12 SUPERANNUATION
12.4
State Superannuation Scheme
12.4.1
Introduction
State Superannuation Scheme
The State Superannuation Scheme (SSS) is a defined benefit scheme governed by the
Superannuation Act 1916 and the State Authorities Non-contributory Superannuation Act
1987 and administered by Pillar on behalf of the scheme Trustee.
12.4.2
Membership of SSS
The SSS closed to new members on 30 June 1985.
The standard entitlements for members are the employer and contributor financed benefits
and the additional ‘Basic Benefit’. The “Basic Benefit” is an employer financed benefit
equivalent to 3% of final average salary for each year of service from 1 April 1988.
12.4.3
SSS Contributions for Teachers on "Approved Leave"
"Approved leave" is a period of leave without pay during which the member:








is on sick leave without pay*;
gets workers' compensation payments;
is on maternity/adoption leave without pay*;
is seconded to a non-fund employer;
does union duties (six months or less, approved by the Department of Education
Training);
does approved duties for the Department or the State;
is on service with the naval, military or air forces of the Commonwealth;
is on approved study leave without pay* (with financial assistance only).
*The Commonwealth’s occupational superannuation standards prohibit employersponsored superannuation funds from accepting contributions for persons who have not
been employed either full time or part time (at least ten hours a week) during the previous
two years. From 1 January 1994, a continuous period of "approved leave" for more than
two years of sick, maternity, adoption leave without pay or study leave ceases to be
"approved leave" and Pillar must be advised. The member cannot elect to pay the
employer contributions and must take a reduction in unit entitlement (they must continue to
pay their employee contributions).
Pillar must be advised of "approved leave", however, the "Leave Without Pay Election
Form" is not filled in.
During "approved leave" the member does not have to pay the employer contributions,
however, they do have to pay their personal contributions for the whole of the period of
leave without pay (if deferring payment, the member should write to the State
Superannuation Contributions Section at Pillar to arrange payment details).
Part time "approved leave" is treated as service, unless the member requests to be treated
in the same manner as part time employee work (see Section 12.4.6).
12.4.4
SSS Contributions for Teachers on Full Time Leave Without Pay
12.4.4.1 Full Time Leave Without Pay (Not "Approved Leave") Up to Six Months
The member has to pay their personal contributions (at the rate that applied
before the leave without pay) for the whole period of leave without pay to Pillar
(they must contact Pillar to arrange payment). They do not have to pay the
employer contributions to the Department.
Teachers Handbook 2003
page 12-8
12 SUPERANNUATION
State Superannuation Scheme
Payment can be made in a lump sum in advance or in regular four weekly
payments in advance. Payment can be deferred until return from leave, however
there is an interest charge.
It is a condition of approval, required by superannuation legislation, that before
the member starts the leave they fill in a "Leave Without Pay Election Form".
Because the member does not have to pay the employer contribution they must
choose Section (a), “I elect to retain my full unit entitlement”, on the “Leave
Without Pay Election Form”.
12.4.4.2 Full Time Leave Without Pay (Not "Approved Leave") More than Six Months
and Up to Two Years
It is a condition of approval, required by superannuation legislation, that before
the leave starts the member must fill in a "Leave Without Pay Election Form". The
member has two options:
Option (a) - Election to keep the current unit entitlement
The member must pay their personal contributions (at rate that applied before the
leave without pay) for the whole of the period of leave without pay to Pillar (they
must contact the State Superannuation Contributions Section at Pillar to arrange
payment). They must also pay the employer contributions for the whole of the
period of leave without pay to the Department.
Payment of personal contributions can be made in a lump sum in advance or in
regular four weekly payments in advance. Payment can be deferred until return
from leave, however there is an interest charge.
Payment of the employer contributions to the Department can be made as a lump
sum or at regular intervals before the period of leave without pay. Because
superannuation cover is continued during leave without pay, approval to defer
payment of the employer contributions to the Department would only be granted
in special circumstances.
Approval to defer payment of the employer contributions is generally only for the
“deferred” portion (the part of the superannuation liability which becomes payable
by the Treasury on the emergence of pension). The “present” portion of the
employer contributions continues to be paid to Pillar during periods of leave
without pay.
There is no refund of the “deferred” portion of the employer contributions on
retirement or medical retirement. However, if the member resigns during a period
of leave without pay they are entitled to a refund of the deferred portion of the
employer contributions. A teacher who resigns from the service should make a
separate written application to Teacher Services for a refund of the "deferred"
portion of the employer contributions.
Option (b) - the member elects to accept a unit reduction
The current unit entitlement is reduced for the part of the period of leave without
pay which is more than three months. The member has to pay their personal
contributions (at the rate that applied before the leave without pay) for the whole
of the period of the leave without pay to Pillar (they must contact the State
Superannuation Contributions Section at Pillar to arrange payment). They do not
have to pay the employer contributions to the Department.
Payment can be made in a lump sum in advance or in regular four weekly
payments in advance. Payment can be deferred until return from leave, however
there is an interest charge.
Teachers Handbook 2003
page 12-9
12 SUPERANNUATION
State Superannuation Scheme
12.4.4.3 Full Time Leave Without Pay (Not “Approved Leave”) More than Two Years
The Commonwealth’s occupational superannuation standards prohibit employersponsored superannuation funds from accepting contributions for persons who
have not been employed either full time or part time (at least ten hours a week)
during the previous two years.
Effective from 1 January 1994, members who take sick and maternity leave
without pay of more than two years and have elected to retain their unit
entitlement, cannot continue to elect to accept liability for payment of employer
contributions. The unit entitlement is reduced for that part of the leave without pay
which is more than two years (the member continues to pay their personal
contributions to Pillar).
Pillar must be advised by the employer of full time sick and maternity leave
without pay of more than two years.
12.4.5
SSS Contributions for Teachers on Part Time Leave Without Pay
Generally, periods of part time leave without pay (non approved) will be converted to a full
time equivalent period and the rules of ‘full time leave without pay’ (see Section 12.4.4)
applied.
From 1 April 1999, part time leave without pay can be treated the same as part time work
(see Section 12.4.6). This provision will only apply if the member so requests. The change
can apply to any new period of part time leave without pay which starts on or after 1 April
1999.
As the member’s employee contributions continue to be deducted from their salary at the
full time rate during part time leave without pay it is not necessary to arrange payment of
the personal contributions to Pillar.
12.4.6
SSS Contributions for Teachers on Changed Work Arrangements
If a member changes from full time to part time, from part time to full time or changes the
part time hours worked, Pillar must be advised before the work arrangements are changed
(the "Change in Contributor's Basis of Employment" form is used).
If the change is from full time to part time work, contributions paid before the change are
allocated to purchase fully-paid units in the Scheme and a new reduced unit entitlement is
determined (this applies for the whole of the contributor’s period of membership of the
Scheme).
12.4.7
SSS Contributions for Teachers on Temporary Appointments or Higher Duties in the
Department of Education and Training
If the member is on a temporary appointment, as a result of competitive selection for an
advertised position, which is to be continuous for at least one year, the higher salary can be
advised to Pillar for their annual salary review. If a temporary appointment or higher duties
(at the full rate) for less than one year is extended, the higher salary can be advised to
Pillar for the annual salary review after the member has completed one continuous year at
the higher rate.
12.4.8
SSS Contributions for Teachers on Temporary Appointments, Secondments or
Acting Arrangements to Another Organisation
The Pillar is advised of temporary appointments, secondments or acting arrangements to
another organisation (including to the NSW TAFE Commission).
Teachers Handbook 2003
page 12-10
12 SUPERANNUATION
State Superannuation Scheme
12.4.8.1 If the Member is Not Paid on the Department’s Payroll
The member is responsible for ensuring that their employee contributions are
paid to Pillar.
The Department (a budget sector agency) is reimbursed by the temporary
employing organisation for the employer contributions except where the
temporary employer is also a budget sector employer.
12.4.8.2 If the Member is Paid on the Department’s Payroll
Because the member is being paid on the Department payroll the employee
contributions continue to be sent to Pillar.
12.4.8.3 Annual Review Day
If the member’s annual review day occurs while they are on temporary
appointment/secondment/acting arrangements to another organisation (including
to the NSW TAFE Commission) the salary to be advised to Pillar is as follows:
Teachers appointed on a higher salary for at least one year, can have the higher
rate advised to Pillar if the employer is a participating employer to the fund. If the
appointment is for less than one year, the higher rate can be advised after
completion of one continuous year at the higher rate. If the higher rate is paid by
allowance, the allowance must be paid at the full rate.
Teachers appointed on a higher salary to an employer who is not a participating
employer to the fund cannot have the higher rate advised to Pillar unless the
Governor has declared the employer is a participating employer in the
circumstances. The salary that applies is the substantive salary that the
Department would have paid if the member was not on the release. This
includes Award variations and increments.
12.4.9
Leaving the Department of Education and Training
12.4.9.1 Transfer or Resignation
If a member transfers to another public service organisation (i.e. under the Public
Sector Employment and Management Act 2002) SSS membership continues
(Pillar is advised).
Resignation applies if a member accepts a permanent transfer within the NSW
public sector which is not in the Public Service, for example, a position in the
NSW TAFE Commission. However, if the member resumes employment with
another participating employer to the fund, SSS membership can continue. A
former contributor can apply to retain membership in the Scheme where the
break in service is less than three calendar months, application for payment of
benefits has not been made, and an election to reenter the Scheme is made
within three months of reemployment.
12.4.9.2 Early Voluntary Retirement
Provided they have been a contributor to the Fund continuously for the previous
ten years, early voluntary retirement is available to members with a normal
retirement age of 60 years, at any time from age 55 onwards (a woman
contributing for retirement at age 55 cannot elect for retirement prior to that age).
12.4.9.3 Normal Retirement
Normal retirement age is 60 except for female members who elected on joining to
Teachers Handbook 2003
page 12-11
12 SUPERANNUATION
State Superannuation Scheme
retire at age 55.
12.4.9.4 Invalidity Retirement
Invalidity retirement applies if a member is physically or mentally incapable of
performing their duties. Further information is available from the Pillar Customer
Service Centre. Contact details are provided at the end of this Chapter.
12.4.9.5 Death of a Member
Information about a deceased member's entitlements is available from the Pillar
Customer Service Centre. Contact details are provided at the end of this Chapter.
12.4.9.6 "Basic Benefit"
The "Basic Benefit" is paid for by the employer and is payable in a lump sum on
exit from employment at or after age 55 (in accordance with the Federal
Government’s payment standards) and on total and permanent invalidity (two
doctor’s certificates certifying total and permanent invalidity are required) or death
before that age. In other circumstances of exit from employment before age 55,
(e.g. resignation) the benefit is generally required to be preserved.
Generally, a period of leave without pay of five days or more does not count as
service for the "Basic Benefit".
Date of Birth
Before 1.7.60
1.7.60 – 30.6.61
1.7.61 – 30.6.62
1.7.62 – 30.6.63
1.7.63 – 30.6.64
After 1.7.64
Teachers Handbook 2003
Preservation Age
55
56
57
58
59
60
page 12-12
12 SUPERANNUATION
State Superannuation Scheme
For more information
Contact
Pillar’s Customer Service Centre can assist you with information about
your fund membership. The telephone service is available Monday to
Friday from 8.30 am to 5.30 pm for members of:
First State Super
Telephone
Internet
1300 650 873
www.firststatesuper.nsw.gov.au
State Authorities Superannuation Scheme
Telephone
Internet:
1300 130 095
www.statesuper.nsw.gov.au
State Super Scheme
Telephone
Internet:
1300 130 096
www.statesuper.nsw.gov.au
For personal interviews the advisory service is available, Monday to
Friday from 8.30 am to 5.00 pm at:
Level 18
83 Clarence Street
Sydney NSW 2000
You will need to make an appointment by calling 9238 5540.
(Interviews may also be arranged in Wollongong and Port Macquarie)
You can also have a personal interview at one of the following regional
offices located within the offices of State Super Financial Services:
90 Phillip Street, Parramatta 2150
Telephone 9893 7355 or freecall 1800 626 000
Level 2, 134 King Street, Newcastle 2300
Telephone 4929 7044 or freecall 1800 807 855
You can address correspondence to the Pillar Customer Service Centre
at:
GPO Box 5328
Sydney NSW 2001
Choice of funds
If you have elected to have your superannuation contributions paid to a
fund other than those listed above you should contact your fund for
information regarding entitlements.
Teachers Handbook 2003
page 12-13