Is My Working Child Entitled to Super?

The rules around superannuation for children are a little different to those of adults. Super is not compulsory for children, in fact, there are only certain circumstances in which they are eligible to receive super contributions.


When Can My Child Receive Super?

1. If you have a child who is working and they are under 18, they must be working more than 30 hours a week to be eligible to receive superannuation contributions from their employer under the Superannuation Guarantee.

2.  If they are covered by an award or workplace agreement, they may be eligible to receive superannuation contributions from their employer on all earnings even if they are under 18, working part-time and earning less than $450 per calendar month—some awards extend superannuation to a wider range of employees, or to all employees.


How Much Super Will They Receive?

The amount of superannuation support your employer is required to pay is currently set at 9.25 per cent of ‘earnings base’. An earnings base can be defined in many ways and is often outlined in the relevant award or workplace agreement. If the earnings base is not defined anywhere, superannuation is calculated on salary or wages paid for ordinary hours of work (excluding overtime).



by Simon Tworek

Simon is a Financial Adviser at Insight Wealth Planning. He has an advanced diploma and masters in Financial Planning and has a strong technical background.


The information in this document reflects our understanding of existing legislation, proposed legislation, rulings etc as at the date of issue. In some cases the information has been provided to us by third parties. While it is believed the information is accurate and reliable, this is not guaranteed in any way. Any advice in this publication is of a general nature only and has not been tailored to your personal circumstances. Please seek personal advice prior to acting on this information.