If you’re concerned about unpaid super or missing insurance entitlements, don’t wait to take action. Contact Foye Legal for clear, confident advice and the support you need to recover what you’re owed and secure your financial future.
Unpaid superannuation is money you’ve earned but haven’t received, affecting your retirement savings and potentially crucial insurance benefits. If you suspect your employer hasn’t been paying your super correctly, Foye Legal can help you recover what you’re owed and protect your future security. In these important financial matters, the right lawyer is everything for achieving the best outcome in challenging times.
Unpaid superannuation is money you’ve earned but haven’t received. Beyond affecting your retirement savings, unpaid super can also result in the loss of important insurance benefits tied to your super fund, such as death or disability cover.
If you suspect your employer hasn’t been paying your super correctly, Foye Legal is here to help. Our expert employment lawyers can assist you in recovering your unpaid super and, where applicable, claiming compensation for lost insurance benefits.
Australian law requires employers to pay a percentage of an employee’s income into a superannuation fund at least every three months. This percentage, known as the Superannuation Guarantee, is currently 11% (as of July 2023).
From 1 July 2022, all employees are entitled to super contributions regardless of how much they earn. Starting 1 January 2025, intentionally underpaying superannuation may constitute a criminal offence.
Unpaid super is essentially income you earned that your employer failed to deposit into your super account, potentially depriving you of significant retirement savings and insurance benefits.
Protect Your Retirement Savings
Unpaid super affects the growth of your superannuation fund, potentially costing you tens or even hundreds of thousands of dollars in lost future income.
Access Insurance Benefits
Super funds often include insurance coverage for death or disability. If unpaid super leads to a loss of this coverage, it could result in significant financial consequences for you or your family in the event of illness, injury, or death.
Act Quickly to Avoid Missing Out
Employers are only required to keep records for five years. Delayed action may limit your ability to recover unpaid super if records become inaccessible.
If you suspect unpaid super, it’s crucial to take steps immediately to protect your rights and entitlements.
Check Your Eligibility:
Review Your Super Statements and Payslips:
Raise the Issue with Your Employer:
Report to the ATO:
If you’re concerned about unpaid super or missing insurance entitlements, don’t wait to take action. Contact Foye Legal for clear, confident advice and the support you need to recover what you’re owed and secure your financial future.
Seeking legal assistance early gives you control over your situation, helping you avoid complications and manage costs effectively. This guide provides practical tips, checklists, and key insights to help you confidently navigate legal processes to secure the best possible outcome.
Your first consultation is vital in safeguarding your interests and laying the foundation for the best possible outcome. At Foye Legal, we value the trust you place in us and are committed to providing clarity, strategy and unwavering support from day one.
Under Australian law, employers must pay superannuation guarantee (SG) contributions of at least 11% of your ordinary earnings (as of July 2023) into your nominated super fund. These payments must be made quarterly and on time. If your employer fails to pay, they may be subject to penalties from the Australian Taxation Office (ATO).
To check if your super is being paid:
If you believe your employer hasn’t met their super obligations:
Yes, if your employer has failed to meet their superannuation obligations, you may be able to pursue legal action for lost entitlements. Foye Legal can:
Employers who fail to pay super face serious consequences, including:
At Foye Legal, we help employees recover their rightful superannuation and hold employers accountable.
Send us your enquiry here or give us a call on 1800 996 994
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3/1 MEMORIAL DRIVE SHELLHARBOUR CITY NSW 2529
LEVEL 3, 63 MARKET STREET WOLLONGONG NSW 2500
contact us to make an appointment
3/1 MEMORIAL DRIVE SHELLHARBOUR CITY NSW 2529
LEVEL 3, 63 MARKET STREET WOLLONGONG NSW 2500
contact us to make an appointment
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