If you leave your employer, some aspects of your super may change. What won’t change is the great service and benefits you can expect as a member of Australian Retirement Trust (ART). Here’s how to take ART with you to your next role.
Take your ART account with you to a new job
You can tell your employer you’d like them to pay your super into your Australian Retirement Trust (ART) account by sending them a pre-filled form via the Changing jobs tab in Member Online. You can also fill in the Selecting Australian Retirement Trust form at art.com.au/forms and hand it to your payroll department or nominate ART in your new employer’s onboarding materials. Stapling rules, which mean your current super account follows you to different jobs, means it’s important that you nominate your preferred fund otherwise your contributions may be paid to another fund you wouldn’t choose. Even if you don’t start a new job straight away, your ART account will keep working for you.
Remain protected when you change jobs
Any Death or Total and Permanent Disability/Total and Permanent Disability Assist insurance cover you have will continue on a fixed sum insured basis unless you tell us otherwise. But it’s important to know the premium and basis for that cover may change. If you held Income Protection cover, that cover will stop and you have 60 days from when we are informed of you leaving your employer to apply for the cover to be transferred by completing and returning our Insurance transfer application form. If your employer previously paid for insurance cover, those premiums will now be deducted from your account, unless you tell us otherwise.
Fees, investments and beneficiaries
Your investment and beneficiary selection will remain the same, but your administration fees may change. If your employer previously paid for any administration fees, those fees will now be deducted from your account. Make sure you take a look at the Super Savings Product Disclosure Statement (PDS) at art.com.au/pds for full details of your new fees.
Keep enjoying discounts with Rewards
You’ll still have access to Rewards, helping you save on everyday expenses and little luxuries.1 Visit art.com.au/rewards
Keep 24/7 access to your account
You’ll also continue to enjoy the right tools to help you take charge of your super. With Australian Retirement Trust Member Online and the Australian Retirement Trust app you can keep track of your super account and update or change your contact details and investment options, anytime, anywhere.
Want some help sorting out your super?
Speak to your adviser. If you don’t have a personal financial adviser, Australian Retirement Trust has qualified financial advisers2 who can help you over the phone with simple advice about your Super Savings account. This service is included in your membership. If you need financial advice about more than just your super, we may refer you to an accredited external financial adviser3. Advice of this nature may incur a fee. You can find out more about financial advice options at art.com.au/advice/options
1 Australian Retirement Trust Pty Ltd ABN 88 010 720 840, the trustee of the Australian Retirement Trust ABN 60 905 115 063 (Australian Retirement Trust) does not endorse these products or services. It is providing this information to Members for their benefit and Members should undertake their own inquiries in relation to the products and/or services offered. Australian Retirement Trust is not an agent, dealer or promoter of the products and/or services offered. Australian Retirement Trust is not liable for any representations made by the suppliers in relation to these products and services. Australian Retirement Trust respects your privacy and does not supply your personal details to these or any other third-party supplier. Please contact Australian Retirement Trust on 13 11 84 or write to GPO Box 2924 Brisbane QLD 4001 if you have any questions, concerns or suggestions.
2 Employees in the Australian Retirement Trust group provide advice to members and employers as representatives of Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818 AFSL No. 227867) (SFS), that is wholly owned by the Trustee as an asset of Australian Retirement Trust. SFS is a separate legal entity responsible for the financial services it provides. Eligibility conditions apply. Refer to the Financial Services Guide (pdf) at australianretirementtrust.com.au/fsg for more information.
3 The Trustee has established a panel of accredited external financial advisers who are not employees of the Australian Retirement Trust group. The Trustee is not responsible for the advice provided by these advisers and does not receive or pay any referral fees. These advisers will explain to you how their advice fees are determined.