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You can choose from one of the three (3) LWOP contribution options when you start LWOP:
The LWOP options at a glance
| Option 1 |
Make no LWOP contributions |
| Option 2 |
Make LWOP contributions to maintain your death & disability cover |
| Option 3 |
Contribute at four times your normal rate to maintain all of your benefit entitlements |
If you do not provide the completed Leave without Pay Advice form together with your payment to ESSSuper within one month from the date on which your LWOP commences, you will be treated as if you had chosen Option 1, which means you will not be eligible to contribute.
Your election will be irrevocable and binding once it is lodged.
You are not required to make personal contributions to your superannuation while you are on LWOP.
PLEASE NOTE: If you choose Option 1, the following applies:
- There will be no death or disability cover after the first four weeks.
- If you die or become disabled more than a month after LWOP commences, the only benefit payable will be your resignation benefit, calculated at the date of death or retirement.
- The period of LWOP will not count as recognised service for any benefit calculation except the deferred component of a resignation benefit.
- On returning to work your death and disablement entitlements will resume. If you return to work for at least 12 months from parental leave without pay before resigning, up to one year of the leave without pay period will be counted towards the deferred benefit component of your resignation benefit. The 12 month return to work condition applies for each period of LWOP granted during your service.
You may choose to maintain your death and disability cover while you are on LWOP.
Your LWOP contribution is calculated based on your age (in years and days) as at 1 May and your superable salary at the start of your unpaid leave period. No LWOP contributions are payable for 60+ years.
PLEASE NOTE: If you choose Option 2, the following applies:
- After resuming duty, in respect of any decreases in superable salary which applied during your leave without pay period, any additional death or disability benefit will be resumed.
- If you return to work and contribute to the Scheme for more than 12 months before resigning, your leave without pay contributions will also be refunded provided you elect to receive your own contributions plus earnings. That is, your contributions are not refundable if you elect to receive a full deferred pension.
- The period of leave will count as recognised service for the calculation of your deferred resignation benefit but will not count for any other benefit calculations.
To maintain all of your benefit entitlements, you may choose to make contributions to your superannuation at four times your normal contribution rate while on LWOP.
If you choose this option, take note of the following:
- Your contribution amounts will be adjusted yearly based on your salary and age on 1 May of each year and the new rates will be payable from the first pay day in July.
- Normal death and disability cover will be maintained.
- The period of your leave without pay will count as recognised service for all benefit calculations.
- On resignation, 6/7ths of your leave without pay contributions are refundable, if you elect for a total refund of contributions and earnings. However, if you resume duty and contribute for more than 12 months you can choose to receive your own contributions plus earnings, including a full refund of LWOP Option 3 contributions. Your contributions are not refundable if you elect to receive a full deferred pension.
If you choose to pay LWOP contributions under Option 2 or Option 3, the first payment must be received within 30 days of the start of the LWOP period. There are 2 options:
- Make a cheque payable to ESSSuper and submit directly to ESSSuper with the advice form, or
- Arrange for your payments to be credited to ESSSuper through your credit union or bank.
 Check out what types of benefits are payable through the Scheme
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