SA Ambulance: Super SA Select

SA Ambulance

The Super SA Select scheme has a range of benefits designed to support SA Ambulance members to achieve their best life in retirement. Learn more about:

 

Compulsory contributions

Those employed in an operational role within the SA Ambulance Service have the option of how to make a mandatory contribution, either by electing to make a salary sacrifice (before-tax contribution) of at least 5.3% of gross salary or make after-tax contributions (default) of at least 4.5% of salary.

For more information on this change, please refer to the Significant Event Notice.

To change your compulsory contribution arrangement, complete the Ambulance Officers regular superannuation contributions form.


A before-tax and after-tax comparison

The calculation alongside is for illustrative purposes only and for the 2023-24 financial year. You should consider obtaining financial advice in relation to your personal circumstances before making a decision about your compulsory contributions. This comparison is based on an operational full time ambulance employee who earns $110,000 per year.
Component Salary Sacrifice Contributions (5.3%) After-Tax Contributions (4.5%)
Gross Salary (ex Super) $110,000 $110,000
Salary Sacrifice Contribution (5.3%) $5,830 -
Taxable Income $104,170 $110,000
Income Tax1 $26,406 $28,417
After-Tax Contribution (4.5%)   $4,950
Take-home Pay2 $ 77,764 $76,633
Fortnightly
Take-home Pay2
$2,990 $2,947

Thinking about changing your compulsory contributions?

The following examples may assist you in completing the form.

Cancel compulsory after-tax arrangement and begin a salary sacrifice instead.

Salary Sacrifice.svgCurrent contributions

Compulsory contributions to a Super SA Select account, set up as 4.5% after-tax contributions of gross salary.

Future Salary Sacrifice 2.svgFuture contributions

  • Make the salary sacrifice contribution of 5.3% of gross salary the compulsory contribution.
  • Then cancel the 4.5% after-tax contribution.

How to complete.svgHow to complete

Complete the Ambulance Officers regular superannuation contributions form in the following sections:

  • Complete Section 1. Personal details.
  • Section 2. Select your scheme: indicate which scheme the employer contributions are currently being paid to.
  • Section 3. My compulsory contributions: select the option which indicates 5.3% before tax.
  • Section 6. Employee Declaration: sign and date the form before returning it to the employer/HR delegate.

Note: your employer charges $44 to start or change any salary sacrifice.

Cancel my after-tax contribution and switch the compulsory contribution to my existing salary sacrifice arrangement.

Salary Sacrifice.svgCurrent contributions

Compulsory contributions going to a Super SA Select account, set up as 4.5% after-tax contributions of gross salary and an arrangement in place for voluntary 10% before-tax contributions.

Future Salary Sacrifice 2.svgFuture contributions

  • Make the salary sacrifice contribution of 5.3% of gross salary the compulsory contribution and would like this to come from the existing before-tax contributions that are currently being made.
  • Then cancel the 4.5% after-tax contribution.

How to complete.svgHow to complete


Insurance

Super SA Select members may have access to Insurance via Triple S.

Your Triple S account remains active after joining Super SA Select. With your Triple S account, you can access Income Protection Insurance and Death and Total and Permanent Disablement Insurance*.

Income protection

You may receive up to 75% of your notional salary as income if you become ill or injured and are unable to work3. Premiums are deducted from your superannuation account balance.

Find out more >

Death and TPD

You have a choice in the level of your Death and TPD Insurance. Most members can increase3, decrease or cancel their Total and Permanent Disablement and/or Death Insurance at any time up until you’re 70. Premiums are deducted from your superannuation account balance.

Find out more >



Investment options

Super SA Select offers two investment options.

You can:
  • Choose to invest your super in either the Balanced or Cash option
  • Choose to invest your current account balance and future contributions in different options or a combination of options, and switch at any time.

SSA1547_responsible-investing-MBlock_930x630_FA.jpg


Financial planning

Financial planning isn’t only about managing investments and making money. It’s about assessing your financial situation, understanding what your financial goals are and helping put together a plan to get you there.

More than anything else, financial planning can assist you to live your very best life.

The advice you may receive from a financial planner can be about simple things such as how to choose which investment options are most suited to you or what you should be contributing to your super. A financial planner may also get you thinking about what your insurance needs should be to protect you and your family should something unexpected happen.

A financial planner can also help with far more complicated financial situations such as estate planning, family break ups and trusts.

Financial planning is for everyone. Whether you’ve just started your career or are ready to stop working, have minimal wealth or a lot, it’s never too early or late to seek financial advice.

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Frequently asked questions

  • SA Ambulance Service employees who are employed either full time or part time in an operational role as identified in the SA Ambulance Award.

    SA Ambulance Service employees under the age of 60 who were contributory members of the SA Ambulance Service Superannuation Scheme that have transferred to the Super SA Triple S Scheme.

    If your role changes from Full Time or Part Time to Casual, your personal contributions will continue to Super SA Select as voluntary contributions unless you notify your employer via the Ambulance Officers regular superannuation contributions form.

    If your role changes from Casual to Full Time or Part Time, you will be required to make compulsory personal contributions.

  • Contributory members of the SA Ambulance Service Superannuation Scheme (Defined Benefit) are all permanent employees who joined the SA Ambulance Service before 1 July 2008.

    All casual employees who joined the SA Ambulance Service before 1 July 2008 became Non-Contributory members.

    SA Ambulance Service employees under the age of 60 who were contributory members of the SA Ambulance Service Superannuation Scheme who have transferred to the Super SA Triple S Scheme are required to make compulsory after-tax contributions of 4.5% of their gross salary to the Super SA Select  Scheme.

  • Most Super SA Select members are automatically eligible for Income Protection Insurance without limitation.

    Members who do not automatically receive Income Protection insurance, such as casual employees can apply for cover.

    This provides you with a fortnightly income of up to 75% of your notional salary plus a Contribution Replacement Benefit paid into your Super SA Select account equal to 9.5% of your fortnightly benefit while you are unable to work due to temporary incapacity through illness or injury.

    • The maximum benefit period is up to 24 months for fulltime and part-time employees, up to 12 months for casual employees who have applied for cover, to age 65, or until your employment in the SA public sector ends, whichever occurs first.
    • The cost of Income Protection Insurance premiums are automatically deducted from your Employer Account.
    • The cost of Income Protection Insurance is based on your: – notional salary – age – waiting period.
    • The default waiting period is 30 days but you can choose to have a waiting period of 90 days.
    • Changing your waiting period will impact your premiums.
    • The 90 day waiting period option has lower insurance premiums but you will have to wait longer before Income Protection payments commence.

    Members have their notional salary limited to an Automatic Acceptance Limit (AAL) of $122,000.

    If their salary is over $122,000 their Income Protection Insurance premiums and benefits will be based on a salary of $122,000 and not their actual salary.

    Members subject to the AAL may apply for cover up to their notional salary.

  • Your employer and your personal contributions are paid to your Triple S account unless you have made a fund selection or deemed to have made a fund selection to Super SA Select.

 

Learn more


1 Including Medicare levy, excluding Medicare levy surcharge.
2 Does not include any other salary sacrifice arrangements or payroll deductions.
3 Subject to being eligible for Death, Total and Permanent Disablement (TPD) or Income Protection (IP) cover through Triple S. If you wish to increase your cover you will need to provide health and medical information. Cover may be subject to limitations. Changes to your insurance will have an impact on your insurance premiums. See the Triple S PDS available at supersa.sa.gov.au for further information.
* Subject to eligibility. For more information on insurance, see the Triple S PDS.

The superannuation schemes administered by Super SA are exempt public sector superannuation schemes and are not regulated by the Australian Securities and Investments Commission (ASIC) or the Australian Prudential Regulation Authority (APRA). Super SA is not required to hold an Australian Financial Services Licence to provide general advice about a Super SA product. The information in this publication is of a general nature only and has been prepared without taking into account your objectives, financial situation, or needs. Super SA recommends that before making any decisions about its products you consider the appropriateness of this information in the context of your own objectives, financial situation, and needs, read the Product Disclosure Statement (PDS), and seek financial advice from a licensed financial adviser in relation to your financial position and requirements.