There are ways you and your partner can help each other boost your joint retirement income. You may also enjoy tax benefits.
You don't have to be married to have a 'spouse'
If you're a UniSuper member, we recognise a spouse as being a person who:
- you are legally married to,
- is in a relationship with you (whether of the same or opposite sex), and the relationship is registered under an Australian state or territory law, or
- is in a relationship with you (whether of the same or opposite sex), and you live together on a genuine domestic basis as a couple.
See our full definition of spouse.
Contribution splitting
Boost your joint retirement income and be eligible for other benefits with contribution splitting.
In certain circumstances you may be able to split your concessional (before-tax) super contributions across two UniSuper accounts – yours, and your spouse’s.
Spouse contributions
Your spouse can top up your UniSuper account at any time by making an after-tax contribution on your behalf.
Learn more about spouse contributions, including potential tax benefits and contribution cap.
UniSuper Personal Accounts
Your family, former UniSuper members and others can join UniSuper through Personal Accounts. Personal Accounts offers accumulation-style super, with a quick, easy online application process and access to a range of investment options, low fees and member support.
Learn more about UniSuper Personal Accounts, including how to set one up and the eligibility criteria.
Get advice
UniSuper Advice helps UniSuper members with more than just super. Each year the team helps hundreds of members navigate the financial side of important life events.
Talk to UniSuper Advice on 1800 UADVICE (1800 823 842) to help you and your spouse decide a contributions strategy for you.
UniSuper Helpline 1800 331 685