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 eNewsletter – Autumn/Winter 2014

Welcome to the first edition of the NESS Super EmployerNews eNewsletter. We trust that this electonic version of  EmployerNews provides you with an easy-to-read and  informative summary of what’s happening at NESS Super and superannuation in general. Please let us know what you think, we welcome your feedback. From all of us here at NESS Super, happy reading!  

NESS Super’s clearing house solution has arrived!

NESS Super is pleased to offer NESS Super participating employers a super clearing house solution, via the SCH Online facility.

SCH Online will allow NESS Super participating employers to make payments to multiple super funds (in addition to NESS Super) from a single secure website. SCH Online will also provide employers with a solution to meeting the upcoming Government Data and Payment Standard requirements.

SCH Online is an integrated enhancement of NESS Super’s “EmployerAccess” online payment facility and became available for participating NESS Super from 20 May 2014. 

EmployerAccess dashboard

To assist in your consideration of SCH Online, please find below links to explanatory information and documentation that:

You can view the SCH Online video (ether full or short versions) to learn more about SCH Online and how it can help employers meet their super obligations more efficiently.

FULL VERSION – SCH Online video (2 mins, 28 sec)

SHORT VERSION – SCH Online video (57 sec)

In addition, NESS Super participating employers who consider utilising SCH Online for their superannuation payments may also be able to have the applicable SCH Online fees (or a portion of the applicable fees) paid by NESS Super. In order for NESS super to consider paying the applicable SCH Online fees (or a portion of the applicable fees), a NESS Super participating employer must: 

  • have 20 or more employees and

  • nominate NESS Super as their employer nominated/default fund and

  • have 50% or more employees as NESS Super members and

  • make either monthly or quarterly superannuation payments to NESS Super and any other super fund. 

If you’re an employer with less than 20 employees, there are no employee contribution fees and only a minimal transaction fee applicable. 

Existing NESS Super participating employers who are registered and using EmployerAccess to pay super to NESS Super, can simply click on the SCH Online pop-up that appears next time you login to EmployerAccess, in order to access the SCH Online facility.

SCH Online pop-up

If you’re a participating NESS Super employer and haven’t yet registered for EmployerAccess, simply click on the EmployerAccess REGISTER link to register for EmployerAccess and SCH Online.

 

IMPORTANT NOTE – Super payments by 30 June 2014 

With 30 June 2014 just around the corner, if you’re looking to make your super contribution payments to NESS Super and any other super fund(s) and for those payments to be received by the super fund(s) by 30 June 2014, we suggest you mainatin your existing super contribution payment method and consider SCH Online payments after 30 June 2014.

 

Mynas

To find out more about SCH Online, please contact us on 1800 022 067 or contact NESS Super’s service representative, Mynas Leontios on 0448 432 443 or by email to mynasl@neca.asn.au

SuperStream Update – Government Data and Payment Standard requirements

The Government and the ATO have recently provided an update on the transitional requirements for employers to meet the new Government Data and Payment requirements, which will commence form 1 July 2014 and eventually require all employers to make super payments and send the applicable payment data electronically. 

  • Medium to large employers (having 20 or more employees) can commence electronic data and payments from 1 July 2014 and must have the new requirements in place by 1 July 2015. 

  • Smaller employers (having 19 or less employees) can commence from 1 July 2015 and must have the new requirements in place by 1 July 2016.

The ATO has commenced its latest employer communication campaign on SuperStream and the upcoming employer requirements with a staggered mailout, from 20 June 2014, to approximately 900,000 employers. 

It’s important to start planning now (if you haven’t already started) to ensure you’re able to comply and meet the upcoming requirements by the necessary timeframes.

STOP PRESS: NESS Super benefits will be available to Self-Employed contractors from July 2014.

NESS Super is a fund specifically for workers in the electro-technology industries. Companies and their employees in those industries have long enjoyed the many benefits of NESS Super membership.

NESS Super is pleased to announce that it will soon be open to electro-technology contractors who are Self-Employed and operating as a sole trader or through an unincorporated partnership and who are not in receipt of Employer contributions.

From 1 July 2014, self-employed contractors will be able to join NESS Super and enjoy the many benefits of a NESS Super member including:

  • our simple and competitive fee structure

  • flexible contribution options

  • online access to your account through MemberAccess

  • access to financial advice to roll in other super accounts into NESS Super including ability to consolidate online (no paper!) through MemberAccess

  • choice of seven investment options with a solid performance record

  • default insurance cover of 2 units of Death and Total and Permanent Disablement and 2 units of Temporary Salary Continuance (subject to terms and conditions)

  • the option to apply for increased insurance cover to suit changing needs and circumstances

  • access to financial planning advice

  • access to low-interest home loans and discounted health insurance through ME Bank and NIB respectively

  • pension options for members aged 55 or more who want to take their super as a regular income in retirement or while still working. 

From 1 July 2014, joining is simple. You can complete the Application for Membership Form for Self-Employed Member available at www.nesssuper.com.au or by calling us on 1800 022 067. It is important that you read the current NESS Super PDS which is also available from our website.

To fund out more, please contact NESS Super’s service representative, Mynas Leontios on 0448 432 443 or by email to mynasl@neca.asn.au

NESS Super benefits for employers…

JPEG-IMAGE-4

Doug from Ron Bateman Pty Ltd, a NESS Super employer.  

  • NESS Super makes it easy and convenient for you to administer your employees’ super. We help you to meet all your company’s compulsory Superannuation Guarantee and Award obligations, including the requirements to pay default super contributions to a super fund authorised to offer a “MySuper” product, from 1 January 2014.

  • We accept personal (after-tax) and Salary Sacrifice (pre-tax) contributions.   

  • EmployerAccess and SCH Online (Super Clearing House facility), which allows you to contribute electronically (online) into NESS Super and other super funds (including SMSFs), making the monthly process of providing member data and making payments simple.

  • NESS Super has added value benefits for members such as access to personalised financial advice services, discounted banking products and corporate health plan membership.

  • We offer personal, onsite service at your workplace. Our friendly and experienced service centre staff are available to assist you and your employees with your enquiries.

At NESS Super, we’re here to help…

We’ve updated our Privacy Policy

You may be aware that the Australian Privacy laws recently changed on 12 March 2014.

As always, our commitment to protecting personal information is important to us and we have updated our Privacy Policy on 12 March 2014 to accommodate the new changes in the law.

Should you wish to view NESS Super’s updated Privacy Policy, please click on the link below:

http://nesssuper.com.au/privacy-policy/

End of financial year reminders!

With the end of the financial year just around the corner, it’s important to note some timely tips to help you meet your end of financial year business requirements, as well as prepare yourself for the financial year ahead. Here’s an outline of what to consider as the end of financial year approaches, along with some important NESS Super news, to help you and your business.

  • Payment of super and claiming at tax deduction this financial year

If you’re considering making employer super payments (including Superannuation Guarantee) and claiming a tax deduction this financial year, the super payments must paid and received by the super fund by 30 June 2014. It is sometimes overlooked that payments must also be received by the super fund prior by the end of the financial year to claim a business tax deduction this financial year.

This also applies to sole traders or self-employed business owners and those employers who have a partnership business structure and have made personal contributions to super and wish to claim a tax deduction this financial year. We suggest payment of super contributions well in advance of 30 June 2014. 

  • Superannuation Guarantee (SG) payment amount and deadlines dates

The SG minimum payment amount, currently 9.25% for the period 1 July 2013 to 30 June 2014 is scheduled to increase to 9.5% on 1 July 2014. The Government announced in the 2014 Budget on 13 May 2014 (see Budget 2014 article below) that the scheduled SG increase to 2014 will be maintained and proposed to be maintained at 9.5% for a further 3 years. This announcement has not as yet been legislated. 

  • Don’t forget the Super Contributions Cap!

Whilst the superannuation contributions cap effect employees based on individual circumstances, it’s prudent to be aware from an employer’s perspective what contributions cap applies to employer super contributions (especially when salary sacrifice contributions are also involved), so as to assist your employees keep an eye out on their contributions cap. This can help your employees avoid paying any additional penalty tax on contributions that exceed the cap.

The concessional contribution caps (including SG, salary sacrifice and employer additional contributions) are as follows:  

Current financial year (1 July 2013 to 30 June 2014):

General cap – $25,000

Individuals aged 60 or over – $35,000.

Next financial year (1 July 2014 to 30 June 2015):

General cap – $30,000 (new indexed amount)

Individuals aged 50 and over – $35,000.

Budget 2014 – Super updates…

The 2014 Federal Budget, delivered on 13 May 2014, did not contain any major surprises to superannuation. It did however, include the following superannuation related announcements and measures (these measures are yet to be legislated):

  • SG (Superannuation Guarantee) rate will be increased to the scheduled increase rate of 9.5% from 1 July 2014, currently 9.25%. It is now proposed to be maintained at 9.5% for a further 3 financial years until 30 June 2018 and then further proposed to increase by a further 0.5% p.a. per financial year until 1 July 2022, when it will reach 12%.

  • Superannuation will be included in the Paid Parental Leave (PPL) scheme.

  • The option of withdrawing excess non-concessional (or personal, after-tax) contributions, above the non-concessional contributions cap and avoid any excess non-concessional contributions tax.

  • Confirmation of the removal of the Low Income Superannuation Contribution (LISC) scheme from 1 July 2013, as previously announced by the Federal Government and linked to proposed abolition of the Mining Resource Rent Tax (MRRT). The LISC provides an annual super payment from the Government of up to $500 into the super account for individuals earning less than $37,000.    

  • Key changes to the Government Age Pension and Seniors Heath Card, including the raising of the Age Pension age to 70 from 1 July 2035, changes to the Age Pension increases and means testing, along with changes to the eligibility for the Seniors Heath Card.

Reminder to update your email address!

A reminder to make sure your business email address with NESS Super is up-to-date, in order to stay in touch and continue to receive future communication electronically.

Reducing the amount of printed material not only keeps printing costs down (which means more money goes to NESS Super members’ accounts), but also helps save the environment.

So, if your business email has changed or you haven’t updated it recently, please login to EmployerAccess (click on the link below) and update your email address online.

https://employer.aas.com.au/Login/ness#no-back-button

 

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