Why can’t I see my most recent contributions?
Annual Statements are as at 30 June 2020, therefore, any changes or contributions made after this date will not appear on your statement.
What if all my contributions are not listed?
All contributions should appear on your Annual Statement, however if we did not receive the money before 30 June 2020, it won’t appear. You should see contributions received after this date on your next statement or you can login to MemberAccess to view it. If you are still unable to view employer contributions, please contact your employer.
What do I do if my employer hasn’t made my contributions?
Speak with your employer first. If you’re unable to resolve your unpaid super enquiry with them, visit the ATO website or call them on 13 10 20 for assistance in this process.
Why do I have insurance on my account?
Automatic cover – Most members automatically receive some insurance cover with their Christian Super account (age limits and other conditions apply). We’re legally required to provide Death cover, Total & Permanent Disablement (TPD) cover and Income Protection (IP) cover. Automatic cover is designed to provide members or their dependants with a basic level of financial protection, if they can’t work due to injury or illness.
Your insurance cover as at 30 June 2020
Your Annual Statement shows your insurance as at 30 June 2020. Therefore, if your insurance cover was cancelled or you made changes after this date, this will not be reflected on your statement.
What is an occupational group/occupation code?
The type of work you do will determine your Occupational Group, which will make a difference to your premiums and your level of cover. Generally, the riskier your job the more you pay for insurance. We offer four Occupational Groups:
Professional white collar
|Executives and senior professional workers who typically possess tertiary qualifications and hold a degree of authority for executive change.
E.g. lawyers, doctors, solicitors, accountants, headmasters, school business managers.
|Tertiary qualified community professionals, clerical or relevantly certified workers.
E.g. teachers, clergy, social workers, office workers, personal assistants.
Light blue collar
|Skilled or trade based workers and supervisors in non-hazardous industries.
E.g. shop assistants, waiters, nurses, bus drivers.
Heavy blue collar
|Skilled or semi-skilled manual workers who are not exposed to high-risk accidents or health hazards.
E.g. cleaners, gardeners, mechanics, store workers.
It is important that your Occupational Group accurately reflects your occupation. If you are classified in an incorrect Occupation Group, not only will your premiums be affected, but it may mean you are not properly covered if you need to make a claim.
What is a beneficiary nomination?
There are a few options when nominating a beneficiary:
Binding nomination – A legally binding nomination that comes into effect from the date we accept it and expires three years from the date on your signed Binding Beneficiary Nomination Form.
Non-binding nomination – A nomination that is considered, however, is not legally binding. Ultimately we are legally responsible and the relevant laws will prevail when making a decision.
PYS Legislation FAQs
Am I impacted by Protecting your Super (PYS) legislation?
On 1 July 2019, many changes came into effect as a result of the Government’s Protecting Your Super law, was implemented to reduce the impact of fees and insurance premiums eroding super account balances. As part of the changes, funds are now required to cancel insurance cover on inactive accounts, and send inactive low account balance accounts to the ATO (so the ATO can help people combine their super). Members can opt-in to insurance or choose to opt-out of having their inactive, low balance super sent to the ATO, however such a request is required in writing. If you are affected by either of these changes, Christian Super will contact you to outline your options.
PMIF Legislation FAQs
Am I impacted by Putting Member’s Interests First (PMIF) legislation?
From 1 April 2020, any new Christian Super members joining OR waiting for their default insurance cover to commence won’t receive default cover until they’re 25 years of age AND have a minimum balance of $6,000.