Skip Navigation

Do you meet the Work Test this financial year?

After you’ve turned 65, you’ll need to work a certain amount of hours for us to accept some types of super contributions. The Government requires you to work 40 hours within 30 consecutive days, at least once during the financial year.

If you don’t meet the work test and want to make a contribution during the 2019-20 financial year, you may be eligible to apply for the new one-off work test exemption available from 1 July 2019.

Please read the rules for making contributions and the one-off work test exemption below to make sure your super contributions can be accepted this year. If you're a Sunsuper member, you can make the work test declaration by logging into Member Online

Rules for making contributions by age

 

Contribution type Less than 65 65–69 70–74 75 and over
Member
Voluntary after-tax3 Yes- Members, irrespective of their work status, may make personal contributions Yes– Where the work test rule has been satisfied1,3 Yes– Where the work test rule has been satisfied1,3
No– Member contributions can’t be accepted3
Spouse Yes– Can be made at any time, irrespective of the employment status of the receiving spouse while they’re less than 652
Yes– Where the work test rule has been satisfied1by the receiving spouse2
No– Spouse contributions can’t be accepted once the receiving spouse turns age 70 No– Spouse contributions can’t be accepted once the receiving spouse turns age 70
Employer
Superannuation Guarantee (SG) Yes– SG contributions made by your employer can be accepted
Yes– SG contributions made by your employer can be accepted
Yes– SG contributions made by your employer can be accepted
Yes– SG contributions made by your employer can be accepted
Industrial award or agreement
Yes– Industrial award or agreement contributions made by an employer can be accepted
Yes– Industrial award or agreement contributions made by an employer can be accepted
Yes– Industrial award or agreement contributions made by an employer can be accepted
Yes– Industrial award or agreement contributions made by an employer can be accepted
Salary sacrifice or employer voluntary
Yes– Salary sacrifice or employer voluntary contributions can be accepted
Yes– Salary sacrifice or employer voluntary contributions can be accepted where the work test rule has been satisfied1 Yes– Salary sacrifice or employer voluntary contributions can be accepted where the work test rule has been satisfied1
No– Salary sacrifice or employer voluntary contributions can’t be accepted

1 You must work at least 40 hours over a period of 30 consecutive days during the financial year the contributions were made.

2 The contributing spouse doesn’t need to meet the work test when making a spouse contribution for the receiving spouse.

3 Does not apply to downsizer contributions, which may be made regardless of work status or if aged 75 and over. Refer to the Sunsuper for life guide for more information.

One-off work test exemption

From 1 July 2019, if you have a ‘total superannuation balance’ below $300,000 (as at the last day of the previous financial year) you’ll be able to make voluntary contributions for a further 12 months after the end of the financial year in which you last met the work test. This exemption only applies once – if you later return to work, once you stop working again normal work test rules will apply.