What does super stapling mean for your onboarding process?

Super stapling only applies to new employees, commencing on or after 1 November 2021.

You should follow your usual process of offering new eligible employees an ATO Superannuation Standard Choice form and give them as much information as you can about choosing a super fund that’s right for them. If they choose a super fund, you can submit it to Payroll/HR.

For each new employee that doesn't make a super fund choice, you'll need to search for a stapled super fund. Your search is done via the ATO Online Services for Business portal.

Where your employee has multiple existing super funds, the ATO determines which super fund is the stapled fund.

Unless a choice of fund has been received, you must contribute to the employee's stapled fund (if one exists).

If your employee doesn't choose a fund, and doesn't have a stapled fund either, contributions can be paid to your business’s default super fund or the fund named in the employee's EBA.

Frequently asked questions

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