Spouse accounts

November 29 2023

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As an ESSSuper member, your spouse is eligible to access to the same award-winning income streams* and investment options that you do. Not to mention the strong, long-term performance** we're known for, and some handy rebates.


Who is a spouse?

Your spouse is a person who:

  • You're in a registered marriage with, or
  • Lives with you in a genuine domestic relationship as a couple (e.g. de facto).

What products are available?

An eligible spouse can open these great products:

Refer to the relevant Product Disclosure Statement (PDS) for eligibility criteria.

Strong long-term performance**

Our Investment options are designed to meet their return objectives with less return volatility, helping to protect your super balance during periods of market volatility.

Learn more

Award-winning products*

As an ESSSuper member, your spouse gains exclusive access to our award-winning Accumulation Plan and Income Streams.

Learn more

Working part-time in the transition to retirement

Planning for your future can be a daunting task, but you're not alone. Contact us for expert information and financial advice about your super from one of our Financial Advisers. You may also benefit from meeting with a Member Education Consultant for general advice about your ESSSuper account.

As you approach retirement, it can be helpful to make changes at work to ease the transition.

One way to do this is by reducing your hours or changing to a more flexible role. To make the transition gradual, you can consider:

  • Talking to your employer about your options, e.g. purchasing extra leave
  • Discussing your needs with your family, and
  • Meeting with a Financial Advisor to make a plan.

On the other hand, if you want to increase your take-home pay before retiring, you could:

  • Work extra hours at your current job
  • Look for additional work outside of your current job (which may be subject to approval by your current employer),  or
  • Ask for a pay rise.

However, before taking any action to increase your take-home pay, it's important to consider:

  • Talking to your employer about overtime options
  • Checking your conditions of employment
  • How much tax you will need to pay on any extra income
  • The impact on your work/life balance.

Accessing your superannuation while working

If you'd like to reduce your work hours without decreasing your income, accessing your super while working could be an option. You may be able to access a transition to retirement pension such as our Working Income Stream to do this.

To access a Working Income Stream you need to:

  • Have some or all of your super in an accumulation account (not a defined benefit), and
  • Have reached your superannuation preservation age.

It's crucial to be aware that drawing on your superannuation while still working will mean having less money when you retire.

You can learn more about transitioning to retirement on the Government's Moneysmart website.

Save on fees with our exclusive offer

You can both share the benefits of being in the ESSSuper family by referring your spouse or partner to join our exclusive, not-for-profit super fund.

Joining rebate
A spouse or partner joining our Accumulation Plan or Income Stream, will receive a rebate on the administration fees for the first year of joining. This will be a rebate of $52 for the account keeping fee and the 0.20% of the account balance for the administration fee. On an account balance of $750,000, that's a saving of around $1,500 on fees!§

Referral rebate
A member referring their spouse or partner to join, will also receive a rebate of $52 on the account-keeping fee for any Accumulation Plan or Income Stream account held in their name for a period of 12 months.#


Considering a spouse account?

Before opening a new account, you should consider your personal objectives, financial situation, and needs. The relevant Product Disclosure Statement (PDS) can help you:

To help build the future you want together, download a PDS or book an appointment with one of our helpful Member Education Consultants.

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We're here to help

For more information about this exclusive offer, our expertise is always close at hand

Contact us


Emergency Services Superannuation Board ABN 28 161 296 741 (ESSB), the Trustee of the Emergency Services Superannuation Scheme ABN 85 894 637 037 (ESSSuper). The information contained on this web page is of a general nature only. It should not be considered as a substitute for reading the relevant ESSSuper Product Disclosure Statement (PDS) that contains detailed information about ESSSuper products, services and features. Before making a decision about an ESSSuper product, you should consider the appropriateness of the product to your personal objectives, financial situation and needs. It may also be beneficial to seek professional advice from a licensed financial planner or adviser. An ESSSuper PDS is available on our PDS and handbooks page or by contacting us.

* In 2023, SuperRatings rated ESSSuper's Accumulation Plan as Platinum for 14 years in a row, and Income Streams as Platinum for 15 years in a row. Refer to our Awards web page for more information.

** Investment returns cannot be guaranteed as investment markets can be volatile. As a consequence, returns can be positive or negative. Past investment performance is not a reliable indicator of future performance.

ESSSuper Financial Advisers are authorised representatives of Link Advice Pty Ltd (Link Advice). Link Advice holds a current Australian Financial Services Licence No. 258145 and is responsible for the financial services provided to you. ESSSuper has an arrangement with Link Advice Pty Ltd to provide financial advice to ESSSuper members. ESSSuper pays Link Advice a fee for this service. Neither the Board, nor the Victorian Government, guarantee or endorse any recommendations made by Link Advice, or are responsible for the advice and actions of Link Advice.

When an eligible spouse joins on or after 1 April 2020.

§ Based on an account balance of $750,000 in an Income Stream account.

# Please refer to the Accumulation Plan or Income Stream Product Disclosure Statements (PDSs) available on our PDS and handbooks web page.

You should check any relevant exit fees you may incur, or any insurance arrangements that may be forfeited, or any other effects this transfer may have on your benefits, before rolling your money into our fund.

Benefits in ESSSuper's Accumulation Plan, Income Streams and Beneficiary Account products are not guaranteed or underwritten by the Victorian Government or ESSSuper, and ESSSuper does not come under the jurisdiction of the Australian Financial Complaints Authority. ESSSuper comes under the jurisdiction of the Victorian Civil and Administrative Tribunal.