Superannuation for casual workers — a complete guide

Superannuation is one of the most overlooked aspects of casual employment in Australia. Many casual workers either don't know they're entitled to super or don't follow up when employers fail to pay it.

Are casual workers entitled to superannuation?

Yes. All employees who are 18 or over are now entitled to super regardless of how much they earn. The current rate is 11% of your ordinary time earnings.

How does it work for multiple casual jobs?

Each employer pays super separately. If you work for three different employers, each one is responsible for their own super contributions. Make sure you've provided your Tax File Number and super fund details to each employer.

Checking your super is being paid

You can check your super balance through your super fund's online portal, myGov linked to the ATO, or your employer's payroll system.

What if my employer isn't paying my super?

Report it to the ATO online. The ATO has the power to recover unpaid super and impose penalties on employers.

Consolidating your super

With multiple employers over a career, casual workers often end up with super fragmented across many funds. Consolidating into a single, well-performing fund with low fees can significantly improve your retirement outcome. Use myGov to consolidate.