Your first year with UniSuper

You could have a defined benefit or accumulation-style product.

Don't worry if you're not sure. You can refer to your welcome letter, log in to your account, or contact us to find out.

If you join UniSuper as a DBD member, you will have 2 years (from when you join) to decide if you want to stay in the DBD or transfer to Accumulation 2.

If you’re an Accumulation member, you could be eligible to join the DBD. The DBD is only open to eligible people who work in higher education and receive 14% or 17% employer contributions. If you’re interested in making the switch, you’ll need to check your eligibility. We recommend you speak with a superannuation consultant who can talk you through the features of the DBD, including insurance. 
Make a booking. 
Eligibility requirements are outlined in the DBD Opt-in fact sheet.
Once you’re a DBD member, you will have 2 years (from when you join the DBD) to decide if the DBD is right for you, or transfer to Accumulation 2.

• Compare DBD and accumulation accounts
• What happens to your inbuilt benefits if you choose Accumulation 2? (PDF, 1.6 MB)
• How we invest your money (PDF, 3.6 MB)

If you've had more than one job throughout your working life, there's a chance you’ve got more than one super account. Combining your super can help you reduce your fees and charges, and save time with just one account to manage.*

It’s easy to find all your super and bring it together in one account. You might even have some lost super out there, just waiting for you to claim it.

You could have access to insurance cover through your super account. Depending on your eligibility, you may be able to choose insurance and boost your cover.

You should review the insurance cover you have through your super fund to make sure that you have enough cover to meet your changing needs. If you have insurance, it’s important to make sure you maintain a sufficient account balance to cover insurance premiums.

• Learn about insurance in your super
• Transfer your insurance from another fund into UniSuper
• Insurance in your super (PDF, 2 MB)
• What happens to your inbuilt benefits if you choose Accumulation 2? (PDF, 1.6 MB)

Your super doesn't automatically form part of your estate, so it's important you choose who you want to leave your super to.

Learn more about nominating beneficiaries.

If you’re an Accumulation 1 member, you could be eligible to join the DBD.

The DBD is only open to eligible people who work in higher education and receive 14% or 17% employer contributions. If you’re interested in making the switch, you’ll need to check your eligibility. We recommend you speak with a superannuation consultant who can talk you through the features of the DBD, including insurance. 

Make a booking. 

Eligibility requirements are outlined in the DBD Opt-in fact sheet.

Read more about choosing between accumulation accounts and the DBD.

The DBD may not suit everyone. An Accumulation 2 account gives you greater control of your investments, contributions, and insurance, letting you shape your super to suit you.

DBD members have the choice of transferring to Accumulation 2 within their first 2 years of DBD membership.

Create your online account to:

• update your personal details
• check your account balance
• monitor your investment portfolio
• check your insurance cover and nominate beneficiaries.

You should receive your welcome letter within your first 3 months of joining. It contains all you need to get started with UniSuper.

If you haven’t received a welcome letter or have questions, please contact us.

Did you know there's billions in lost super waiting to be claimed? Could some of it be yours?

If you’ve changed jobs, moved to a new house, or even changed your name, you may have lost track of your old super. It only takes a matter of minutes to find and combine your super online.

If you have an accumulation super account, or an accumulation component in the DBD, you can tailor how your super is invested by choosing from our range of investment options.

Find out more about investment choice.