Did you know...
If you have a Defined Benefit account, and have contributed less than 5%, you can catch up later.
Rachel Lahl
QSuper member since 2007
Do you have a Defined Benefit account, and have been contributing less than the standard amount?
If you have a Defined Benefit account and contribute less than the standard amount, you may be able to increase your contributions later, in order to catch up. If you contribute less than 5%, you may be able to increase your contributions up to 8% later on, in order to catch up to the standard 5% rate.
Catch up rates
All members (excluding police officers)
| You pay |
Your employer pays |
Multiple growth each year |
| 2% |
9.75% |
0.135 |
| 3% |
10.75% |
0.160 |
| 4% |
11.75% |
0.185 |
| 5% |
12.75% |
0.210 |
| 6%* |
13.75% |
0.235 |
| 7%* |
14.75% |
0.260 |
| 8%* |
15.75% |
0.285 |
Police officers
| You pay |
Your employer pays |
Multiple growth each year |
| 3% |
12% |
0.140 |
| 4% |
14% |
0.175 |
| 5% |
16% |
0.210 |
| 6% |
18% |
0.245 |
| 7%* |
20% |
0.280 |
| 8%* |
22% |
0.315 |
| 9%* |
24% |
0.350 |
How to change your contribution rate
Download and complete a Request to vary contributions form (pdf) and forward it to your employer's pay office.
Some employers may contact us to verify you are eligible to catch up before making any deductions. We will aim to reply to the employer within seven days.
Is catching up available to Accumulation account holders?
No. Catching up is only available to Defined Benefit account holders.