Employer and standard member contributions

The amount you and your employer contribute to super depends on who you work for and how you’re employed.

What do employers pay?

Employers must pay superannuation guarantee (SG) contributions for all employees. The current SG rate is 9.5%.

If you’re a permanent employee with Queensland local government, a water business or associated local government entity your employer contributes more than the SG rate. Other local government employees receive SG contributions.

What do I pay?

I’m employed outside Queensland local government

If you work outside Queensland local government you probably won't be required to contribute to super (particularly if you’re only receiving SG employer contributions).

However, you can still add to your super through salary sacrifice or voluntary contributions from your after-tax pay.

I work for Queensland local government

If you’re a permanent Queensland local government employee you’re required to pay a percentage of your salary to your super (known as standard member contributions) in return for higher employer contributions. Other local government employees are not required to make standard member contributions (and in return will receive SG employer contributions).

For permanent Queensland local government employees, the amount you and your employer contribute varies depending on who you work for.

I work for Brisbane City Council
Brisbane City Council  
Employment arrangement Employer contributes You contribute
Bus operators (permanent) 

SG for the first 2 years of employment.

No contribution required.
 

14%1 from 2 years of employment.

5% standard member contribution or 5.89% if salary sacrificed. Required from 2 years of employment.
Other permanent employees covered by an EBA

14%

5% standard member contribution or 5.89% if salary sacrificed.

1. Employer will contribute 9.5% of Ordinary Time Earnings if greater than 14% of salary.

I work for a council other than Brisbane City Council
Council other than Brisbane City Council
Employment arrangement Employer contributes You contribute
All permanent employees SG for the first 12 months of employment. Optional 6% standard member contributions during first 12 months of employment, which would be matched by 12% employer contributions.
  12% after 12 months of employment 6%1 standard member contribution required after 12 months of employment.

1. Members of LGIAsuper's Defined Benefits Fund (excludes former BCC employees) must pay 7.05882% if they choose to salary sacrifice their member contributions.

I work for Queensland Urban Utilities or another employer
Queensland Urban Utilities and other associated employers
Employment arrangement Employer contributes You contribute
All permanent employees SG, unless otherwise agreed between your employer and LGIAsuper 0%, unless otherwise agreed between your employer and LGIAsuper
I work for a water business or Queensland local government entity
Other water businesses and Queensland local government entities
Employment arrangement Employer contributes You contribute
All permanent employees SG, or 12% If you and your employer agree, they pay 12% if you make 6% standard member contributions.

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Grow your super with salary sacrifice

If you make contributions through salary sacrifice you could pay less tax and even take home more pay.

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Get smart about your contributions

Use our Contributions optimiser to work out how to maximise your super by contributing before and/or after tax.

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Consolidate and boost your super

Save on fees and boost your balance by transferring your super from other funds into your LGIAsuper account.

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Keep an eye on your contributions

The Australian Government caps how much you and your employer can contribute to super each year.

Learn more