Superannuation In Brief – Australia

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Piggy BankSuperannuation is money put aside and saved while you’re working, to provide an income later in life when you retire.

The Superannuation Guarantee

In Australia, Employers must pay Super (the Super Guarantee) for

  • employees 18 years or over, and being paid $450 or more (pre-tax) in a calendar month
  • employees under 18 years, being paid $450 or more in a calendar month, and working more than 30 hours a week.
  • some contractors paid primarily for labour, even if they have an ABN

The Super Guarantee is currently 9.5% of ordinary time earnings – this includes some bonuses, allowances, some paid leave, but not generally not overtime. It will increase to 10% from July 2021 and eventually increase to 12% from July 2025. Employers are obliged to contribute this minimum percentage, but can contribute more. Full time, part time, and casual employees are all included.


Contributions must be made on at least a quarterly basis, by the quarterly due dates. Employers must pay and report super electronically in a standard format and meet SuperStream requirements, and pay into a complying super fund.

If not paid on time, the super guarantee charge may be payable. An employee’s super contribution is counted as being paid on the date the fund receives it, not the date a clearing house receives it. This means that if a quarterly payment is due on 28th October for example, payment may need to be made up to 10 days prior.

If the accounting system used by the employer is not SuperSteam compliant, small businesses (19 or fewer employees) can use the free Small Business Superannuation Clearing House. There are also other commercial options, or use a clearing house provided by your Super Fund.


Many Vets work as contractors, have an ABN (Australian Business Number) and invoice clinics for their work. However, for Superannuation purposes, they may still be considered an employee and entitled to the Super Guarantee from their employer if they are paid wholly or principally for their labour and skills, perform the work personally, and are paid for hours worked, rather than to achieve a result. To work out whether super applies, use the ATO tool at

Temporary Residents

Temporary Residents ARE entitled to the Super Guarantee. This includes Working Holiday Makers.
When Temporary Residents leave Australia, they may be entitled to claim the super paid for them back, as a DASP – Departing Australia superannuation payment. For more information visit

Additional Contributions

You can add your own money into your super savings, and low or middle income earners may be eligible for government co-contributions.
Employees can initiate a salary sacrifice arrangement with their employer (pre-tax), or make their own personal contributions. There is a cap on Concessional contributions (which includes Super Guarantee payments from your employer), currently $25,000.

Tax on Super

Concessional Contributions – 15%

These are super contributions made before tax, and include super guarantee from an employer, salary sacrifice, personal contributions claimed as an income tax deduction. The cap on concessional contributions is currently $25,000 – more than this attracts extra tax

Non-Concessional Contributions – not subject to tax

These are super contributions made after-tax eg. spouse contributions or personal contributions not claimed as an income tax deduction. There is a cap on these too.

Keeping Track of Super using MyGov

Employees can nominate which Super fund they wish to have their contributions paid into – they should fill out a Standard choice form and provide it to the employer. Employees can now create a myGov account which is a central portal to which you can link Medicare, Centrelink, Child Support, ATO (Australian Taxation Office), My Health Record & other government agencies. You need a fair amount of information in order to link these agencies all in to your account, so make sure you have all your paperwork handy. Once done, you can see what Superannuation Fund accounts you have and keep track of them through the ATO link in MyGov.

More Information

For more information about all aspects of super for employers and employees, including how to find lost super, visit


Wendy Nathan
Kookaburra Veterinary Employment

This information includes the views and opinions of Kookaburra Veterinary Employment and is of a general nature only. Factual information is believed to be correct at the time of writing, however, should not be relied upon and any person should confirm details with the relevant authorities and through their own research prior to acting on any of the suggestions in this article.

13/03/2019 |

Infectious helps our customers transform their tired uniforms into a comfortable branded uniform solution!

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At Infectious we know what a tough and demanding job it can be working with animals and their owners.

We know that you want to be comfortable and look professional at the same time and we hear that many practice managers find it too hard to source the right uniform that makes all members of their team happy.

We understand that it’s a big task, with so many options, suppliers and people to please.

Let Infectious make it easy for you!

The expert Infectious sales team will recommend the most suitable scrubs for your long days working with animals. Scrubs that are cool & comfortable and fabric that resists pet hair sticking to them. We know our Vets and Vet nurses love scrubs with lots of pockets to keep your essentials like pens, thermometers or pheromone spray. You might also want to consider wearing a lab coat over the top of your scrubs for added protection depending on your requirements and the type of animals you work with.

We find many of our veterinary customers love wearing printed scrubs in their vet practices. There are many different print designs that feature animals in the pattern which animal lovers really warm to. Prints are a great way to change your look and bring some fun to your practice and increase team moral and culture.

The goal of Infectious Clothing is to take the hassle out of choosing what’s right for you and your team. We do this by guiding you through the whole process and providing solutions that will give you the right look and make your team proud to wear your uniforms.

Our experts at Infectious have a simple 3-point plan to get you on your way to a new look.

Simple Uniform Solution Plan:

  1. Free uniform review
  2. Samples and ranges for fittings
  3. Ordering and delivery though our custom uniform management system

With the expert guidance of Infectious Clothing your existing uniforms will be transformed into a coordinated and branded uniform solution that your team will be proud to wear.

Contact us today – Visit our Website

Tel: 1300 661 475

11/06/2020 |

2019 Salary Survey Results – Part 4 – Happiness




This year, the veterinary shortage has continued to bite in Australia and is now affecting practices in the cities as well as rural and regional areas. The results of the Lincoln Institute survey in Australia has been in the news ( Link to SBS report) , and Kookaburra Vet Employment has been approached by multiple news outlets for interviews and comments ( link to ABC Sunshine Coast article )

A BVA (British Veterinary Association) and University of Exeter study in the UK released late in 2018 found that 37% of vets were actively thinking about leaving the profession (1,250 vets surveyed ). 59% of vets said they were either very stressed or somewhat stressed at work. A smaller Kookaburra Vet Employment survey from 2017 of just 336 vets showed that 17% of associates thought they would have left the profession in the next 5 years.

The suicide rate of vets in Australia has been found to be 4 times higher than the general population – that’s one vet every 12 weeks.

We included a question about future plans, and also a standardised question about happiness in this 2019 survey.

To download this Report as a printable pdf please click

5 Years' time


Comparing Various Subsets for Happiness

Interesting Statistically Significant differences (95% confidence level (p = .05), and >30 responses in each group)

  • 30.81% of vets in non-corporate practices were ‘Very Happy’, compared to only 16.75% of vets in corporate practices
  • 11.11% of vets in non-corporate practices were ‘Neither happy nor unhappy’, compared to 18.85% of vets in corporate practices
  • 33.3% of male vets were ‘Very Happy’, compared to 23.9% of female vets
  • 53.06% of Practice Owners were ‘Very Happy’ compared to only 21.06% of non – practice owners.

© Copyright Kookaburra Veterinary Employment

2nd September 2019


04/09/2019 |

Medechat – Veterinary care, anytime, anywhere

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The Medechat Telemedicine Platform was developed to help reduce a lot of the pressures encountered as a working vet or clinic owner and increase vet retention and recruitment.

Your vets can work flexibly and talk to clients from home or the surgery, perfect for triage, and general advice. Imagine being able to talk through a pets discharge with the owner at a quiet time during the day, making pick up time fast and stress free.

Payments are taken and invoices and treatment notes are sent automatically at the conclusion of the consultation saving clinic time as well. You can even write your scripts from within Medechat.

It’s not just vets that will love it. Pet owners will love the convenience of having access to professional advice when they need it, from their usual vet, that is stress free for them and their pets.

Take the pressure off your vets in clinic and after hours with VetCheck 24/7 through Medechat.

Even if your clinic is busy, your clients can access veterinary advice from a qualified, board certified VetCheck 24/7 Vet, meaning they don’t have to go to a different clinic. VetCheck 24/7 is like having extra vets on staff 24 hours a day, 7 days a week.

Practices can use this service to alleviate busy periods and offer out of hours advice without putting pressure on their own vets. Exam notes are sent back to you and you will be paid $25 for each referred consultation. All follow up work is also referred back to you.

Let your vets take Medechat appointments when it suits them or let your clients book a consult with a VetCheck 24/7 Vet.

What can Medechat be used for?

  • Initial consultations
  • General advice in and out of clinic hours
  • Triage in and out of hours
  • Assessing remote patients
  • Behaviour problems and treatment plans
  • Advice and treatment plans for skin issues
  • Post surgery follow-up consultations
  • Discharge instructions prior to pick up to alleviate busy periods
  • Herd health consults with farmers
  • Equine triage
  • Revisit/follow ups
  • Decreasing unnecessary in-clinic visits
  • Free nurse consults for puppy and kitten advice, nutrition advice, dental checks etc



Find out how Medechat can revolutionise the way you work today.

Call: 1800 225 226


Or book a free demonstration online at:


08/04/2021 |

2020 Edition Printed Directory

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The 2020 Printed version of the Vet Suppliers Directory is now arriving at vet practices in the mail, during October and November.

This is an A to Z directory of veterinary specific products and services – if you didn’t receive your Free copy, phone Paddy on 02 6650 9092.

Access to the very best Referral services is improving for all practices across Australia – make sure you keep the Directory as a handy guide to available referral services and the facilities that they offer, as well as for contact details of a wide range of other veterinary suppliers.

2020 Directory
14/10/2019 |
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