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SUPERANNUATION & INSURANCE

What is superannuation and how do I know if I'm eligible?

Superannuation is an essential part of Australian employment law and is a means for providing long term savings towards your retirement. Employer contributions towards superannuation funds have been made compulsory since 1992 for eligible persons. To be eligible, you must be between the ages of 18 and 70, earning at least $450 before tax in a calendar month and working either full-time, part-time or on a casual basis. Alternatively, if you are under the age of 18 and you work more than 30 hours per week, you are also eligible for compulsory superannuation. If you are eligible for compulsory superannuation, your employer is obligated to pay a minimum of 9% of your earnings for ordinary hours of work into your superannuation fund account..

Death & Disability Insurance

In addition to your Superannuation contributions, many superannuation funds offer members insurance benefits covering death and disability. These death or disability insurance schemes are a benefit on top of your superannuation contributions, and if successful in claiming death or disability benefit, will (usually) result in the early release of superannuation entitlements.

There are many different disability insurance schemes, ranging from income protection, mortgage protection, trauma benefits insurance and sickness and accident insurance, which may provide insured benefits to persons with injuries and chronic illnesses, such as the Incolink Scheme exclusive to workers in the construction industry.

How can Nowicki Carbone Help you?

Our Superannuation & Insurance team can provide you with the knowledge and expertise to advise and act on your behalf in determining whether you have an entitlement to benefits and assist you in pursuing a claim.

• If your Superannuation provider offers death or disability insurance, we recommend you taking such cover


• If you are injured and are either having difficulty continuing in your usual occupation, or cannot work at all, contact our Superannuation & Insurance team before resigning:
  In some circumstances, disability insurance will not cover resignation or termination of employment, other than by reason of injury

Contact our office on 1300 INJURED for a free no obligation consultation.