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When you submit an application to Super SA, there are a number of steps involved before your request can be processed and finalised. This is because most super entitlements are linked to employment and information often needs to be sourced from the various payroll agencies and employers and this can take some time.

For example:

• When processing your request to access your account balance, Super SA often needs to ensure your final super contribution has been paid by your employer.
• When processing your Income Protection claim, Super SA needs to confirm your salary and employment terms (ie. whether you are full time, part time or casual) in order to calculate your entitlement. When processing the claim, the medical information needs to be assessed against the eligibility criteria stated under the legislation.
• When processing an insurance claim, the medical information needs to be assessed against the eligibility criteria stated under the legislation.

It is important to note that there are time limits to apply for Income Protection benefits or Total and Permanent Disablement insurance benefits. In general, these are as follows:

To be eligible for Income Protection insurance you must:	To be eligible for Total and Permanent Disablement (TPD) insurance you must generally:
Apply within 6 months of the day you last worked; or Apply within 6 months from the last day of paid leave (eg sick leave in connection with the incapacity, annual leave, long service leave).	Apply within 2 years from the date of termination of employment.
Members can request an extension to the time limit in some circumstances. Members need to apply in writing and must provide the following information: the length of delay that has occurred; and the explanation for the delay; and any hardship that will occur if the time limit is not extended; and the extent to which it will cause any unfairness if the time limit is not extended; and any other relevant factor.

 

The schemes and products are administered in accordance with the appropriate legislation. The investment and management of the funds is the responsibility of Funds SA, a South Australian government-owned corporation.

Funds SA designs and implements the investment strategies for the investment options for the schemes/products administered by Super SA; including reviewing and monitoring their performance to ensure that the objectives of each option are being met.

When considering the most suitable investment strategy to meet your needs and investment concern we suggest that you use our What Type of Investor am I? calculator to determine your attitude to risk or considering seeking professional financial planning advice.

 

Further information about investments including performance, market commentary and unit prices can be found here. 

To ensure the accuracy of all calculations Super SA has rigorous checking procedures in place. All calculations are performed in accordance with the relevant legislation and the information provided by the various payroll agencies and employers. While the Office generally has no discretion in these calculations, you may request that we review the calculation to ensure it was made in accordance with the legislation.

Should you die, your entitlement will be paid to your surviving spouse and/or a putative spouse. Should you not have a partner, the entitlement will be paid to your Estate.

Legal Personal Representative

Triple S members and Flexible Rollover Product and Income Stream investors can make a binding nomination for their death benefit to be paid to their nominated Legal Personal Representative (LPR) (ie estate). By nominating their legal personal representative, the death benefit will be paid to their Estate rather than their spouse, and distributed according to their Will, or if they do not have one, the Statutes. Members will need to ensure that their Will reflects their wishes as to the distribution of their death benefit from their Estate.  

Nominating a legal personal representative is not the same as nominating a beneficiary. The rules do not allow you to nominate specific beneficiaries.

Eligible South Australian public sector workers will be able to choose their preferred superannuation fund under new laws that have passed State Parliament. To read more about this, click here.

There are specific circumstances in which you can access your super before you reach your preservation age.

To determine whether you can access your super, the Super SA Board will assess your circumstances against compassionate or severe financial hardship criteria defined by Commonwealth governing legislation.

These Commonwealth rules allow for the release of benefits for medical treatment, to prevent foreclosure or forced sale of a home, to modify a home or vehicle to accommodate special needs arising from severe disability or to pay for palliative care, death or funeral expenses. Please see the Early Release on Specified Grounds Fact Sheet for more information.