Frequently Asked Questions
How do I change my insurance cover?
Can I claim on Financial Hardship?
I have no idea where my super is. What's the
easiest way to find and get it all together?
I'm already an Intrust Super member. Can my new
employer pay in for me?
What happens if I don't make a choice?
Can I withdraw my super before I retire?
What happens to my super if I die?
How do I change my insurance
cover?
Members who wish to take out additional insurance cover need to
complete an application for changes to insurance form. You can
download this from the Forms and Tools page or give us a call
on 132 467 and we will post one out to you.
Can I claim on Financial
Hardship?
If you have been receiving Centrelink benefits for a period of
more than 26 continuous weeks and you have a Q230 form from
Centrelink, you may be able to access a partial benefit from your
account. Contact us on 132 467 for more information.
What's the easiest way to find my
lost super and get it all together?
A good starting point is to gather up any super statements you
have. If these don't seem to cover all the years you've worked,
give your old employers a call adn ask where they've paid your
super. Another option is to contact the Tax Office to search their
databases for any super that may have been reported to them as
lost. You can call them on 13 10 20 or visit www.ato.gov.au.
Once we know where you suepr is, we can help you arrange to
transfer your other funds into your Intrust Super account. All you
need to do is complete a Super Transfer Form for each fund, send it
to us and we'll contact the other fund and organise the transfer
for you.
Often the fund that you are leaving will ask for proof of your
identity before they will transfer your account to Intrust Super.
Generally, this will be something like a certified copy of your
driver's licence or your passport, or some other identification
that has your signature. Having a copy certified means a Justice of
the Peace (or someone similar) has seen the original and signed the
photocopy verifying that it is a true and complete copy of the
original. If you know what's required it will save time if you send
it to us with your Super Transfer Form. That way we'll send it all
off to the other fund at the same time.
We don't want you to lose out, so make sure you check any exit
fees or changes to your insurance cover before you close any
accounts.
Call us on 132 467 if you need any help with completing the
forms.
I'm already an Intrust Super
member. Can my new employer pay in for me?
Yes. They can either join up as a participating employer member
- it's free and means we will send them a Contribution Reutrn for
them to fill in each month, or they can pay a once-off
contribution. Ask them to call us on 132 467 and we'll send them
through the options.
Please note members of Select Super are generally not able to
receive employer contributions. However, at no cost to you, you can
change categories and transfer to either Executive Super or Core
Super, which are able to accept employer contributions.
What happens if I don't make an
investment choice?
If you don't choose an investment option, you account will be
invested in the Balanced Investment Option.
Can I withdraw my super before I
retire?
Generally speaking, superannuation is preserved until you
retire. This means that it can't be withdrawn until that time.
However, some people may have part of their account classed as
unrestricted non-preserved. This means it may be withdrawn at any
time and any restricted non-preserved portion may be withdrawn when
employment is terminated. Your Member Statement will tell you if
you have any non-preserved monies in your account.
In other limited circumstances, you may be allowed to withdraw
some of your preserved benefits.
What happens to my super if I
die?
If you die with an Intrust Super account balance it will be paid
to your eligible beneficiaries. The Trustee will look at your
personal circumstances, including the beneficiary you have
nominated and determine whom to pay the benefit.
It's important to keep your beneficiary nomination current and
update it whenever your personal circumstances change, for example
if you marry or have children.
You can update your beneficiary nomination by completing a
Change Of Member Details Form.