FAQs

{"contentData":[{"paragraph":"\u0026lt;h4\u0026gt;Can I change my investments?\u0026lt;/h4\u0026gt;\r\n\r\n\u0026lt;p\u0026gt;Yes. However, you can only change your investment options using Members Online on a tablet or desktop computer.\u0026lt;/p\u0026gt;\r\n\r\n\u0026lt;h4\u0026gt;Can I update my account details?\u0026lt;/h4\u0026gt;\r\n\r\n\u0026lt;p\u0026gt;You can update your phone number and your email, home and postal addresses\u0026lt;/p\u0026gt;\r\n\r\n\u0026lt;h4\u0026gt;Can I make personal contributions on the app?\u0026lt;/h4\u0026gt;\r\n\r\n\u0026lt;p\u0026gt;You can\u0026amp;rsquo;t directly make contributions on the app, but you can view the BPAY Biller Code and your Customer Reference Number on the home screen so that you can make a contribution\u0026amp;nbsp;via internet or phone banking.\u0026lt;/p\u0026gt;\r\n\r\n\u0026lt;h4\u0026gt;What if I lose my phone?\u0026lt;/h4\u0026gt;\r\n\r\n\u0026lt;p\u0026gt;You should contact your telephone network provider immediately to disable access to your phone. You can download the app on your new phone.\u0026lt;/p\u0026gt;\r\n\r\n\u0026lt;p\u0026gt;To further protect your security, consider changing your password periodically. Also, change your password any time you suspect that your account may have been compromised or tampered with. In this event of this occurring, please contact us immediately on\u0026amp;nbsp;\u0026lt;strong\u0026gt;1300 130 780.\u0026lt;/strong\u0026gt;\u0026lt;/p\u0026gt;\r\n","guid":"dbcc114b-4c27-4354-957f-442e743a04d0","url":"https://www.lucrf.com.au/Contact-Support/FAQs/Superannuation/About-your-super-account","title":"What can you do through Members Online?","timestamp":637208181826543114,"filterOptions":[{"code":"GS.NewsCategory","values":[{"value":"Members Online","params":"members-online"}]},{"code":"GS.NewsType","values":[]}]},{"paragraph":"\u0026lt;p\u0026gt;You must generally pay super on top of wages if:\u0026lt;/p\u0026gt;\r\n\r\n\u0026lt;ul\u0026gt;\r\n\t\u0026lt;li\u0026gt;your\u0026amp;nbsp;employee is 18 years or older and earns more than $450 (before tax) in a calendar month\u0026lt;/li\u0026gt;\r\n\t\u0026lt;li\u0026gt;your employee is under 18 and earns more than $450 (before tax) in a calendar month but also works more than 30 hours per week.\u0026lt;/li\u0026gt;\r\n\u0026lt;/ul\u0026gt;\r\nYou may need to pay super to contractors even if they have an Australian business number (ABN), particularly where they\u0026amp;rsquo;re being paid for labour or skill.\u0026lt;br /\u0026gt;\r\n\u0026amp;nbsp;\u0026lt;br /\u0026gt;\r\nIt doesn\u0026amp;#39;t matter if your employee is here on a work visa, works casually, part-time or full-time. If they meet the criteria above, you\u0026amp;rsquo;re generally required to pay super.\u0026lt;br /\u0026gt;\r\n\u0026amp;nbsp;\u0026lt;br /\u0026gt;\r\nIf you\u0026amp;rsquo;re not sure, call the ATO on 13 10 20 for more information.","guid":"f2e7ba56-e45e-4e0f-b129-0cfacd10571b","url":"https://www.lucrf.com.au/Contact-Support/FAQs/Employers/Do-you-need-to-pay-super","title":"Do you need to pay super?","timestamp":637213264736839672,"filterOptions":[{"code":"GS.NewsCategory","values":[{"value":"Employers","params":"employers"}]},{"code":"GS.NewsType","values":[]}]},{"paragraph":"\u0026lt;p\u0026gt;\u0026lt;meta charset=\u0026quot;utf-8\u0026quot; /\u0026gt;Your preservation age is the age at which you can withdraw your super, as outlined below. You must also meet a \u0026lt;a href=\u0026quot;/superannuation/access-your-super\u0026quot;\u0026gt;condition of release. ​\u0026lt;/a\u0026gt;\u0026lt;/p\u0026gt;\r\n\r\n\u0026lt;table border=\u0026quot;1\u0026quot; cellpadding=\u0026quot;1\u0026quot; cellspacing=\u0026quot;1\u0026quot; style=\u0026quot;width:500px;\u0026quot;\u0026gt;\r\n\t\u0026lt;thead\u0026gt;\r\n\t\t\u0026lt;tr\u0026gt;\r\n\t\t\t\u0026lt;th scope=\u0026quot;col\u0026quot; style=\u0026quot;text-align: left;\u0026quot;\u0026gt;Date of birth\u0026lt;/th\u0026gt;\r\n\t\t\t\u0026lt;th scope=\u0026quot;col\u0026quot; style=\u0026quot;text-align: left;\u0026quot;\u0026gt;Age you can access your super\u0026lt;/th\u0026gt;\r\n\t\t\u0026lt;/tr\u0026gt;\r\n\t\u0026lt;/thead\u0026gt;\r\n\t\u0026lt;tbody\u0026gt;\r\n\t\t\u0026lt;tr\u0026gt;\r\n\t\t\t\u0026lt;td\u0026gt;Before 1 July 1960\u0026lt;/td\u0026gt;\r\n\t\t\t\u0026lt;td\u0026gt;55\u0026lt;/td\u0026gt;\r\n\t\t\u0026lt;/tr\u0026gt;\r\n\t\t\u0026lt;tr\u0026gt;\r\n\t\t\t\u0026lt;td\u0026gt;1 July 1960 to 30 June 1961\u0026lt;/td\u0026gt;\r\n\t\t\t\u0026lt;td\u0026gt;56\u0026lt;/td\u0026gt;\r\n\t\t\u0026lt;/tr\u0026gt;\r\n\t\t\u0026lt;tr\u0026gt;\r\n\t\t\t\u0026lt;td\u0026gt;1 July 1961 to 30 June 1962\u0026lt;/td\u0026gt;\r\n\t\t\t\u0026lt;td\u0026gt;57\u0026lt;/td\u0026gt;\r\n\t\t\u0026lt;/tr\u0026gt;\r\n\t\t\u0026lt;tr\u0026gt;\r\n\t\t\t\u0026lt;td\u0026gt;1 July 1962 to 30 June 1963\u0026lt;/td\u0026gt;\r\n\t\t\t\u0026lt;td\u0026gt;58\u0026lt;/td\u0026gt;\r\n\t\t\u0026lt;/tr\u0026gt;\r\n\t\t\u0026lt;tr\u0026gt;\r\n\t\t\t\u0026lt;td\u0026gt;1 July 1963 to 30 June 1964\u0026lt;/td\u0026gt;\r\n\t\t\t\u0026lt;td\u0026gt;59\u0026lt;/td\u0026gt;\r\n\t\t\u0026lt;/tr\u0026gt;\r\n\t\t\u0026lt;tr\u0026gt;\r\n\t\t\t\u0026lt;td\u0026gt;1 July 1964 or after\u0026lt;/td\u0026gt;\r\n\t\t\t\u0026lt;td\u0026gt;60\u0026lt;/td\u0026gt;\r\n\t\t\u0026lt;/tr\u0026gt;\r\n\t\u0026lt;/tbody\u0026gt;\r\n\u0026lt;/table\u0026gt;\r\n\u0026lt;br /\u0026gt;\r\nIf you\u0026amp;rsquo;ve reached your preservation age and are still working, there are benefits to accessing your super early and potentially saving on tax. This is called a \u0026lt;a href=\u0026quot;/retirement/transition-to-retirement\u0026quot;\u0026gt;\u0026lt;u\u0026gt;Transition to Retirement (TTR)\u0026lt;/u\u0026gt;\u0026lt;/a\u0026gt; strategy.\u0026lt;br /\u0026gt;\r\n\u0026amp;nbsp;","guid":"db30c313-ae28-4957-b1a1-71c362334070","url":"https://www.lucrf.com.au/Contact-Support/FAQs/Retirement/What-does-preservation-age-mean-and-what’s-mine","title":"What does \u0027preservation age\u0027 mean and what’s mine?","timestamp":637219505684172229,"filterOptions":[{"code":"GS.NewsCategory","values":[{"value":"Retirement","params":"retirement"}]},{"code":"GS.NewsType","values":[]}]},{"paragraph":"\u0026lt;p\u0026gt;You automatically receive our default level of Death \u0026amp;amp; Total and Permanent Disablement (TPD) insurance cover if you\u0026amp;rsquo;re eligible. This includes:\u0026lt;/p\u0026gt;\r\n\r\n\u0026lt;ul\u0026gt;\r\n\t\u0026lt;li\u0026gt;\r\n\t\u0026lt;p\u0026gt;2 units of Death \u0026amp;amp; TPD cover (units represent an amount of cover based on your age)\u0026lt;/p\u0026gt;\r\n\t\u0026lt;/li\u0026gt;\r\n\t\u0026lt;li\u0026gt;\r\n\t\u0026lt;p\u0026gt;Light Blue work category (reflects the nature of your employment)\u0026amp;nbsp;\u0026lt;/p\u0026gt;\r\n\t\u0026lt;/li\u0026gt;\r\n\t\u0026lt;li\u0026gt;\r\n\t\u0026lt;p\u0026gt;a Fixed Premium amount, which means the amount you pay stays the same according to your age bracket, but the amount of cover changes as you get older.\u0026lt;/p\u0026gt;\r\n\t\u0026lt;/li\u0026gt;\r\n\u0026lt;/ul\u0026gt;\r\n\r\n\u0026lt;p\u0026gt;If you\u0026amp;rsquo;re between 65 and 69, you receive restricted TPD cover. Insurance cover is not provided to anyone over 70.\u0026lt;br /\u0026gt;\r\n\u0026lt;br /\u0026gt;\r\nLearn more here about \u0026lt;a href=\u0026quot;/insurance/how-insurance-in-super-works\u0026quot;\u0026gt;our default insurance cover and eligibility\u0026lt;/a\u0026gt;. To find out if you\u0026amp;rsquo;re eligible, log in to \u0026lt;a href=\u0026quot;https://portal.lucrf.com.au/Portal/member/login/\u0026quot; target=\u0026quot;_blank\u0026quot;\u0026gt;Members Online\u0026lt;/a\u0026gt; and create an account summary, or speak to us on 1300 130 780.\u0026lt;/p\u0026gt;\r\n","guid":"9117a662-81ac-432b-84f3-af41039e6e7b","url":"https://www.lucrf.com.au/Contact-Support/FAQs/Insurance/Do-I-get-insurance-through-super","title":"Do I get insurance through super?","timestamp":637219544334022408,"filterOptions":[{"code":"GS.NewsCategory","values":[{"value":"Insurance","params":"insurance"},{"value":"Annual Statement","params":"annual-statement"}]},{"code":"GS.NewsType","values":[]}]},{"paragraph":"It\u0026amp;rsquo;s easy to change your investment options. We recommend reading our \u0026amp;#39;\u0026lt;a href=\u0026quot;/investments/make-a-change\u0026quot;\u0026gt;Make an investment change\u0026lt;/a\u0026gt;\u0026amp;#39; page to make sure you understand the key considerations. Once you\u0026amp;rsquo;re ready, you can change your investment options through \u0026lt;a href=\u0026quot;https://portal.lucrf.com.au/Portal/member/login/\u0026quot; target=\u0026quot;_blank\u0026quot;\u0026gt;Members Online\u0026lt;/a\u0026gt; or you can complete and download this \u0026lt;a href=\u0026quot;/getmedia/7a8a2fbc-cd3f-4797-b378-ffabdf40a96b/member-investment-choice.pdf\u0026quot;\u0026gt;form\u0026lt;/a\u0026gt;.\u0026lt;br /\u0026gt;\r\n\u0026amp;nbsp;","guid":"30df9f8f-485e-46cb-a11b-8efe673f80cb","url":"https://www.lucrf.com.au/Contact-Support/FAQs/Investments/How-can-I-change-my-investment-option","title":"How can I change my investment option? ","timestamp":637219562521999968,"filterOptions":[{"code":"GS.NewsCategory","values":[{"value":"Investments","params":"investments"}]},{"code":"GS.NewsType","values":[]}]},{"paragraph":"\u0026lt;p\u0026gt;We do! You can speak to one of our experienced financial advisers about your super including:\u0026lt;/p\u0026gt;\r\n\r\n\u0026lt;ul\u0026gt;\r\n\t\u0026lt;li\u0026gt;selecting investment options that suit your age and retirement goals\u0026lt;/li\u0026gt;\r\n\t\u0026lt;li\u0026gt;growing your super balance through tax benefits and government support\u0026lt;/li\u0026gt;\r\n\t\u0026lt;li\u0026gt;guiding you through your insurance cover and what it includes\u0026amp;nbsp;\u0026lt;/li\u0026gt;\r\n\t\u0026lt;li\u0026gt;starting a pension account for retirement income.\u0026amp;nbsp;\u0026lt;/li\u0026gt;\r\n\u0026lt;/ul\u0026gt;\r\nIf you\u0026amp;rsquo;re a member, advice is available at no extra cost.\u0026amp;nbsp;\u0026lt;br /\u0026gt;\r\n\u0026lt;a href=\u0026quot;https://lucrf.com.au/about-us/our-people?department=financial-advice\u0026quot; target=\u0026quot;_self\u0026quot;\u0026gt;\u0026lt;u\u0026gt;Meet the team\u0026lt;/u\u0026gt;\u0026lt;/a\u0026gt; or \u0026lt;a href=\u0026quot;https://lucrfsuper.atlassian.net/servicedesk/customer/portal/1\u0026quot; target=\u0026quot;_self\u0026quot;\u0026gt;\u0026lt;u\u0026gt;request a callback\u0026lt;/u\u0026gt;\u0026lt;/a\u0026gt;\u0026lt;br /\u0026gt;\r\n\u0026amp;nbsp;","guid":"c0355d06-9809-47d8-9286-f262f1053ed7","url":"https://www.lucrf.com.au/Contact-Support/FAQs/Access-online/Do-you-offer-financial-advice","title":"Do you offer financial advice?","timestamp":637219632910500082,"filterOptions":[{"code":"GS.NewsCategory","values":[{"value":"Contact \u0026 Support","params":"contact-\u0026-support"}]},{"code":"GS.NewsType","values":[]}]},{"paragraph":"\u0026lt;p\u0026gt;We\u0026amp;#39;re committed to keeping fees as low as possible so our members can get the most out of their super.\u0026lt;/p\u0026gt;\r\n\r\n\u0026lt;h4\u0026gt;Administration fee\u0026lt;/h4\u0026gt;\r\n\r\n\u0026lt;p dir=\u0026quot;ltr\u0026quot;\u0026gt;You pay $1.50 per week, plus 0.18% per year of your account balance. We cap the administration fee at $495 per year (applies if you maintain a balance over $275,000). These fees cover administration costs involved in the daily maintenance of members\u0026amp;rsquo; accounts.\u0026lt;br /\u0026gt;\r\n\u0026lt;br /\u0026gt;\r\nOther fees and costs that you may be charged include investment fees, indirect costs and insurance premiums.\u0026lt;br /\u0026gt;\r\n\u0026lt;br /\u0026gt;\r\nSee our\u0026amp;nbsp;\u0026lt;a href=\u0026quot;/getmedia/af5c90bb-a643-4eee-b888-7b66753aa642/lucrf-super-member-guide-1-july-2020.pdf\u0026quot;\u0026gt;PDS\u0026lt;/a\u0026gt;\u0026amp;nbsp;and\u0026amp;nbsp;\u0026lt;a href=\u0026quot;/getmedia/ff151c93-b560-4bb7-b7c8-ed2d2b1a9367/fees-and-cost-booklet.pdf\u0026quot;\u0026gt;Fees and Costs\u0026lt;/a\u0026gt;\u0026amp;nbsp;guide for further information.\u0026lt;/p\u0026gt;\r\n","guid":"6443e6f9-9bd3-4fd8-9812-4a85d85aa861","url":"https://www.lucrf.com.au/Contact-Support/FAQs/Superannuation-(1)/How-much-do-I-pay-in-fees","title":"How much do I pay in fees?","timestamp":637219636796567755,"filterOptions":[{"code":"GS.NewsCategory","values":[{"value":"Superannuation","params":"superannuation"}]},{"code":"GS.NewsType","values":[]}]},{"paragraph":"For security reasons and to allow you to have easy and continued access to your annual statement, we no longer send you a link to access your annual statement. From this year on, you can access your annual statement at any time through Members Online. If you need help logging in or setting it up, please don\u0026amp;rsquo;t hesitate to \u0026lt;a href=\u0026quot;/contact-support/contact-us\u0026quot;\u0026gt;contact us\u0026lt;/a\u0026gt;. We\u0026amp;rsquo;re always happy to help you.\u0026lt;br /\u0026gt;\r\n\u0026amp;nbsp;","guid":"eac0cc4f-47d7-4c8a-aaf0-b49371b207e8","url":"https://www.lucrf.com.au/Contact-Support/FAQs/Annual-statement/Why-do-I-have-to-login-to-Members-Online-to-access","title":"Why do I have to login to Members Online to access my annual statement?","timestamp":637407801818374053,"filterOptions":[{"code":"GS.NewsCategory","values":[{"value":"Annual Statement","params":"annual-statement"}]},{"code":"GS.NewsType","values":[]}]},{"paragraph":"Yes, we can send you a copy of your annual statement. Simply give us a call on 1300 130 780 or email us at \u0026lt;a href=\u0026quot;mailto:mypartner@lucrf.com.au\u0026quot;\u0026gt;mypartner@lucrf.com.au\u0026lt;/a\u0026gt; and we\u0026amp;rsquo;ll post a copy out to you.\u0026lt;br /\u0026gt;\r\n\u0026amp;nbsp;","guid":"e4cb1aef-5476-43d2-ad59-eb796f913dc4","url":"https://www.lucrf.com.au/Contact-Support/FAQs/Annual-statement/I’m-having-issues-accessing-my-annual-statement-on","title":"I’m having issues accessing my annual statement on the Member’s online portal. Are you able to send it via post? ","timestamp":637407800648476824,"filterOptions":[{"code":"GS.NewsCategory","values":[{"value":"Annual Statement","params":"annual-statement"}]},{"code":"GS.NewsType","values":[]}]},{"paragraph":"Generally, you can access your super once you\u0026amp;rsquo;ve met your preservation age and a condition of release.\u0026amp;nbsp;\u0026lt;br /\u0026gt;\r\nThere are also some circumstances under which you can apply to access your super early such as severe financial hardship and compassionate grounds.\u0026amp;nbsp;\u0026lt;br /\u0026gt;\r\n\u0026lt;a href=\u0026quot;/superannuation/access-your-super\u0026quot;\u0026gt;\u0026lt;u\u0026gt;Learn more\u0026lt;/u\u0026gt;\u0026lt;/a\u0026gt;\u0026lt;br /\u0026gt;\r\n\u0026amp;nbsp;","guid":"8a1de0e3-80ba-4345-8ef4-6a9a3f56eaca","url":"https://www.lucrf.com.au/Contact-Support/FAQs/Retirement/When-can-I-access-my-super","title":"When can I access my super?","timestamp":637219639542291819,"filterOptions":[{"code":"GS.NewsCategory","values":[{"value":"Retirement","params":"retirement"},{"value":"Superannuation","params":"superannuation"}]},{"code":"GS.NewsType","values":[]}]},{"paragraph":"\u0026lt;p\u0026gt;Important numbers\u0026lt;/p\u0026gt;\r\n\r\n\u0026lt;p\u0026gt;\u0026lt;strong\u0026gt;USI:\u0026amp;nbsp;\u0026lt;/strong\u0026gt;LUC0001AU\u0026amp;nbsp;\u0026lt;/p\u0026gt;\r\n\r\n\u0026lt;p\u0026gt;\u0026lt;strong\u0026gt;Fund ABN:\u0026lt;/strong\u0026gt;\u0026amp;nbsp;26 382 680 883\u0026lt;/p\u0026gt;\r\n","guid":"e57a2731-9263-4725-b15e-56ec1750a486","url":"https://www.lucrf.com.au/Contact-Support/FAQs/Superannuation-(1)/What-is-your-USI-and-ABN","title":"What is your USI and ABN?","timestamp":637292980295465428,"filterOptions":[{"code":"GS.NewsCategory","values":[{"value":"Superannuation","params":"superannuation"}]},{"code":"GS.NewsType","values":[]}]},{"paragraph":"Investment markets, and the economy, move in cycles. Read our article about market volatility and super (or why your balance goes up and down) \u0026lt;a href=\u0026quot;/knowledge-centre/articles/market-volatility-super\u0026quot;\u0026gt;here.\u0026lt;/a\u0026gt;\u0026lt;br /\u0026gt;\r\n\u0026lt;br /\u0026gt;\r\nYou can speak to one of our experienced advisers at any time about your investment options.\u0026amp;nbsp;\u0026lt;br /\u0026gt;\r\n\u0026lt;a href=\u0026quot;https://lucrfsuper.atlassian.net/servicedesk/customer/portal/1\u0026quot; target=\u0026quot;_self\u0026quot;\u0026gt;Request a callback\u0026lt;/a\u0026gt;\u0026lt;br /\u0026gt;\r\n\u0026amp;nbsp;","guid":"80b4280b-6742-4d43-89ff-30fed32fac73","url":"https://www.lucrf.com.au/Contact-Support/FAQs/Investments/Why-does-my-super-balance-go-up-and-down","title":"Why does my super balance go up and down? ","timestamp":637219564083417697,"filterOptions":[{"code":"GS.NewsCategory","values":[{"value":"Annual Statement","params":"annual-statement"},{"value":"Investments","params":"investments"},{"value":"Superannuation","params":"superannuation"}]},{"code":"GS.NewsType","values":[]}]},{"paragraph":"Call us on 1300 130 780. You\u0026amp;rsquo;ll need to have some basic information ready including:\r\n\u0026lt;ul\u0026gt;\r\n\t\u0026lt;li\u0026gt;the Fund member number (if you have it)\u0026amp;nbsp;\u0026lt;/li\u0026gt;\r\n\t\u0026lt;li\u0026gt;the member\u0026amp;rsquo;s date of death\u0026lt;/li\u0026gt;\r\n\t\u0026lt;li\u0026gt;details of the member\u0026amp;rsquo;s dependants or legal personal representative.\u0026amp;nbsp;\u0026lt;/li\u0026gt;\r\n\u0026lt;/ul\u0026gt;\r\nWhen you call, we\u0026amp;#39;ll explain what\u0026amp;#39;s involved in making a claim and walk you through the steps. We\u0026amp;rsquo;ll also send you the relevant forms and paperwork. We\u0026amp;#39;re here to help make your experience as smooth as possible from start to finish.","guid":"12e1f4c3-601a-4edb-ad75-0af49d27f703","url":"https://www.lucrf.com.au/Contact-Support/FAQs/Insurance/How-do-I-lodge-a-death-claim","title":"How do I lodge a death claim?","timestamp":637219554045177490,"filterOptions":[{"code":"GS.NewsCategory","values":[{"value":"Insurance","params":"insurance"}]},{"code":"GS.NewsType","values":[]}]},{"paragraph":"Log in to\u0026amp;nbsp;\u0026lt;a href=\u0026quot;https://portal.lucrf.com.au/Portal/member/login/\u0026quot; target=\u0026quot;_self\u0026quot;\u0026gt;Members Online \u0026lt;/a\u0026gt;to update your email address, phone number and postal and/or residential address.\u0026lt;br /\u0026gt;\r\n\u0026lt;br /\u0026gt;\r\nTo change your name or date of birth, you\u0026amp;rsquo;ll need to complete a \u0026lt;a href=\u0026quot;/getmedia/1c30d2fb-4199-44a2-beec-35116b03dfc3/change-member-details.pdf\u0026quot;\u0026gt;Change of Member Details form\u0026lt;/a\u0026gt; and supply \u0026lt;a href=\u0026quot;/getmedia/4580c33d-422d-49c3-8776-ee0f68cdfa8b/how-provide-proof-identification.pdf\u0026quot;\u0026gt;certified photo ID documentation\u0026lt;/a\u0026gt;, plus supporting documentation such as your change of name certificate. To confirm you\u0026amp;rsquo;re supplying the right information call us on 1300 130 780.\u0026lt;br /\u0026gt;\r\n\u0026amp;nbsp;","guid":"25365038-846b-4c7f-8264-13ea5442c85d","url":"https://www.lucrf.com.au/Contact-Support/FAQs/Access-online/How-do-I-change-my-details","title":"How do I change my details?","timestamp":637219533612803930,"filterOptions":[{"code":"GS.NewsCategory","values":[{"value":"Members Online","params":"members-online"},{"value":"Annual Statement","params":"annual-statement"},{"value":"Contact \u0026 Support","params":"contact-\u0026-support"}]},{"code":"GS.NewsType","values":[]}]},{"paragraph":"SG payments can easily be made via QuickSuper, our free online clearing house. You can use electronic funds transfer (EFT) or BPAY. Clearance times for these payments are detailed below:\r\n\u0026lt;ul\u0026gt;\r\n\t\u0026lt;li\u0026gt;BPAY: 3 business days after the date of transaction\u0026lt;/li\u0026gt;\r\n\t\u0026lt;li\u0026gt;EFT: 1 business day after the date of transaction.\u0026lt;/li\u0026gt;\r\n\u0026lt;/ul\u0026gt;\r\nTo make sure you meet the deadline, please allow for public holidays, weekends and your financial institution\u0026amp;rsquo;s daily cut-off times.\u0026lt;br /\u0026gt;\r\n\u0026amp;nbsp;","guid":"57d9b1cb-3af4-48a6-b0dc-99145206906d","url":"https://www.lucrf.com.au/Contact-Support/FAQs/Employers/How-do-I-make-a-contribution","title":"How do I make an employer SG contribution?","timestamp":637213295164719866,"filterOptions":[{"code":"GS.NewsCategory","values":[{"value":"Employers","params":"employers"}]},{"code":"GS.NewsType","values":[]}]},{"paragraph":"\u0026lt;h4\u0026gt;Who can use the app?\u0026lt;/h4\u0026gt;\r\n\r\n\u0026lt;p\u0026gt;All LUCRF Super members can use the app. You just need to set up an online account either on a desktop computer or in the app.\u0026lt;/p\u0026gt;\r\n\r\n\u0026lt;h4\u0026gt;What if I don\u0026amp;rsquo;t have an online account?\u0026lt;/h4\u0026gt;\r\n\r\n\u0026lt;p\u0026gt;You can create an online account on the app by tapping \u0026amp;#39;Register\u0026amp;#39; on the login screen. If you prefer using a tablet or desktop computer, you can create an online account via Members Online.\u0026lt;/p\u0026gt;\r\n\r\n\u0026lt;h4\u0026gt;Can I access the app on more than one phone?\u0026lt;/h4\u0026gt;\r\n\r\n\u0026lt;p\u0026gt;You can access the app on multiple devices, but you will need to enter your login details on each one separately.\u0026lt;/p\u0026gt;\r\n","guid":"00495e27-c26a-4761-856e-fd598a229e74","url":"https://www.lucrf.com.au/Contact-Support/FAQs/Superannuation/What-is-superannuation","title":"How can I access the app?","timestamp":637208112516933542,"filterOptions":[{"code":"GS.NewsCategory","values":[{"value":"Members Online","params":"members-online"}]},{"code":"GS.NewsType","values":[]}]},{"paragraph":"If an employee chooses to make an additional super contribution, such as a salary sacrifice, you\u0026amp;#39;ll need to deduct the contribution from their pre-tax earnings and pay it into their fund by the 28th of the following month.\r\n\u0026lt;p dir=\u0026quot;ltr\u0026quot;\u0026gt;\u0026amp;nbsp;\u0026lt;/p\u0026gt;\r\n","guid":"50e23e54-fca5-4357-b79f-4abba5ac6ddd","url":"https://www.lucrf.com.au/Contact-Support/FAQs/Employers/How-do-I-pay-super-on-personal-contributions","title":"How do I pay super when an employee chooses to make an additional contribution?","timestamp":637213266749243849,"filterOptions":[{"code":"GS.NewsCategory","values":[{"value":"Employers","params":"employers"}]},{"code":"GS.NewsType","values":[]}]},{"paragraph":"\u0026lt;ol\u0026gt;\r\n\t\u0026lt;li\u0026gt;Click on \u0026amp;#39;Forgot your password?\u0026amp;#39; on the home page of Members Online or the mobile app.\u0026lt;/li\u0026gt;\r\n\t\u0026lt;li\u0026gt;Enter your member number and\u0026amp;nbsp;email address, then\u0026amp;nbsp;answer the security question you set up when you first registered.\u0026lt;/li\u0026gt;\r\n\t\u0026lt;li\u0026gt;A temporary password will be emailed to you.\u0026lt;/li\u0026gt;\r\n\t\u0026lt;li\u0026gt;Enter your temporary password in the login screen.\u0026amp;nbsp;You\u0026amp;#39;ll then need to create a new password within 7 days.\u0026lt;/li\u0026gt;\r\n\u0026lt;/ol\u0026gt;\r\n\r\n\u0026lt;p\u0026gt;\u0026lt;strong\u0026gt;Password rules:\u0026lt;/strong\u0026gt;\u0026lt;br /\u0026gt;\r\nYour password must have a minimum of 8 characters using one upper-case alpha, one lower-case alpha, and one number.\u0026lt;/p\u0026gt;\r\n","guid":"0e568f8d-2a32-40f5-bd9b-dc4beb68e7ee","url":"https://www.lucrf.com.au/Contact-Support/FAQs/Superannuation/Forgot-your-password","title":"How do I reset my Members Online password?","timestamp":637208180916070324,"filterOptions":[{"code":"GS.NewsCategory","values":[{"value":"Members Online","params":"members-online"}]},{"code":"GS.NewsType","values":[]}]},{"paragraph":"\u0026lt;p\u0026gt;If you\u0026amp;rsquo;ve forgotten your member number, or you can\u0026amp;rsquo;t find it, you can retrieve it \u0026lt;a href=\u0026quot;https://portal.lucrf.com.au/Portal/member/user/forgot-member-number/\u0026quot; target=\u0026quot;_blank\u0026quot;\u0026gt;here\u0026lt;/a\u0026gt;\u0026lt;a href=\u0026quot;https://portal.lucrf.com.au/Portal/member/user/forgot-member-number/\u0026quot; target=\u0026quot;_blank\u0026quot;\u0026gt;.\u0026lt;/a\u0026gt;\u0026lt;/p\u0026gt;\r\n","guid":"5d6d9744-c3d9-4d57-8e75-0627145fcf37","url":"https://www.lucrf.com.au/Contact-Support/FAQs/Access-online/How-do-I-find-my-member-number","title":"How do I find my member number?","timestamp":637219534923629279,"filterOptions":[{"code":"GS.NewsCategory","values":[{"value":"Members Online","params":"members-online"},{"value":"Contact \u0026 Support","params":"contact-\u0026-support"}]},{"code":"GS.NewsType","values":[]}]},{"paragraph":"\u0026lt;p\u0026gt;Insurance premiums are deducted from your super each quarter and are based on:\u0026lt;/p\u0026gt;\r\n\r\n\u0026lt;ul\u0026gt;\r\n\t\u0026lt;li\u0026gt;your age\u0026lt;/li\u0026gt;\r\n\t\u0026lt;li\u0026gt;your work category\u0026lt;/li\u0026gt;\r\n\t\u0026lt;li\u0026gt;the type and amount of cover you have.\u0026lt;/li\u0026gt;\r\n\u0026lt;/ul\u0026gt;\r\n\r\n\u0026lt;p\u0026gt;For example, a member aged 27 with default cover pays $2.83\u0026amp;nbsp;per week. Default cover is 2 units of Fixed Premium Death and TPD under the Light Blue work category which, for a 27-year-old, provides $100,000 worth of cover.\u0026lt;/p\u0026gt;\r\n\r\n\u0026lt;p\u0026gt;To learn more about how premiums are calculated read our\u0026amp;nbsp;\u0026lt;a href=\u0026quot;/getmedia/22993080-cf91-4023-937b-3a254bbc35b2/insurance-guide.pdf\u0026quot;\u0026gt;\u0026lt;u\u0026gt;Insurance Guide.\u0026lt;/u\u0026gt;\u0026lt;/a\u0026gt;\u0026lt;/p\u0026gt;\r\n","guid":"f7f6ee4f-3eef-4348-9a1a-b32321abbde8","url":"https://www.lucrf.com.au/Contact-Support/FAQs/Insurance/How-much-does-insurance-cost","title":"How much does insurance cost?","timestamp":637219551326754324,"filterOptions":[{"code":"GS.NewsCategory","values":[{"value":"Insurance","params":"insurance"}]},{"code":"GS.NewsType","values":[]}]},{"paragraph":"If you have a super account, your account balance must be above $0.00 or it will close. In addition, if your balance is below $6,000 and your account is inactive (that is, it hasn\u0026amp;rsquo;t received a contribution or you haven\u0026amp;rsquo;t made any changes to your investment options, insurance coverage or binding beneficiary nominations for 16 months) then it\u0026amp;#39;ll be transferred to the Australian Taxation Office (ATO) as a low-balance, inactive account.\u0026lt;br /\u0026gt;\r\n\u0026lt;br /\u0026gt;\r\nIf you have a TTR pension account, your super account needs to have a minimum balance of $1,500 to remain \u0026amp;lsquo;active\u0026amp;rsquo;.\u0026lt;br /\u0026gt;\r\n\u0026amp;nbsp;","guid":"151a1627-8b21-4614-90fe-de48d4ed8f83","url":"https://www.lucrf.com.au/Contact-Support/FAQs/Superannuation-(1)/What-s-the-minimum-balance-to-keep-my-account-open","title":"What\u0027s the minimum balance to keep my account open?","timestamp":637241925250929822,"filterOptions":[{"code":"GS.NewsCategory","values":[{"value":"Superannuation","params":"superannuation"}]},{"code":"GS.NewsType","values":[]}]},{"paragraph":"Sometimes things go wrong! If you need help with setting up your Members Online, resetting your password or finding your annual statement once you\u0026amp;rsquo;re in the platform, don\u0026amp;rsquo;t worry! Simply give us a call on 1300 130 780 and we\u0026amp;rsquo;ll help you.","guid":"211827d9-f05c-47ed-ba61-a19bad018dbb","url":"https://www.lucrf.com.au/Contact-Support/FAQs/Annual-statement/I’m-having-trouble-accessing-Members-Online,-what","title":"I’m having trouble accessing Members Online, what do I do?","timestamp":637407802269205877,"filterOptions":[{"code":"GS.NewsCategory","values":[{"value":"Annual Statement","params":"annual-statement"},{"value":"Members Online","params":"members-online"}]},{"code":"GS.NewsType","values":[]}]},{"paragraph":"We send out annual statements once a year. If we have your email address on file, you\u0026amp;rsquo;ll receive an email from us with a link to Members Online where you can login to view and download your annual statement. If we don\u0026amp;rsquo;t have your email address on file, you\u0026amp;rsquo;ll receive your statement via mail.\u0026lt;br /\u0026gt;\r\n\u0026amp;nbsp;\u0026lt;br /\u0026gt;\r\nYou can also log in to Members Online anytime through a desktop computer to view and download your latest annual statement. if you\u0026amp;rsquo;re not registered to access Members Online, you can do so \u0026lt;a href=\u0026quot;https://portal.lucrf.com.au/Portal/member/user/register/\u0026quot; target=\u0026quot;_blank\u0026quot;\u0026gt;here\u0026lt;/a\u0026gt;.\u0026lt;br /\u0026gt;\r\n\u0026lt;br /\u0026gt;\r\n\u0026amp;nbsp;","guid":"93909a07-144b-4c3d-a59c-d48cb49f8e2d","url":"https://www.lucrf.com.au/Contact-Support/FAQs/Access-online/How-do-I-get-my-annual-statement","title":"How do I get my annual statement? ","timestamp":637219532371468192,"filterOptions":[{"code":"GS.NewsCategory","values":[{"value":"Contact \u0026 Support","params":"contact-\u0026-support"},{"value":"Annual Statement","params":"annual-statement"}]},{"code":"GS.NewsType","values":[]}]},{"paragraph":"A projection is an estimate of how much income you could get when you retire, based on a number of assumptions (which are listed in your annual statement) and the balance in your LUCRF Super account at 30 June 2020.\u0026lt;br /\u0026gt;\r\n\u0026lt;br /\u0026gt;\r\nThe amount, which is shown in today\u0026amp;rsquo;s dollars, is based on a specific set of assumptions prescribed by the regulator and doesn\u0026amp;rsquo;t take into account changes to your investment options, increase or decrease in contributions, or changes in your career.\u0026lt;br /\u0026gt;\r\n\u0026amp;nbsp;","guid":"da644ef9-59ad-422b-a947-17f3c7685199","url":"https://www.lucrf.com.au/Contact-Support/FAQs/Annual-statement/What’s-a-retirement-income-projection","title":"What’s a retirement income projection?","timestamp":637372347151575050,"filterOptions":[{"code":"GS.NewsCategory","values":[{"value":"Annual Statement","params":"annual-statement"}]},{"code":"GS.NewsType","values":[]}]},{"paragraph":"\u0026lt;meta charset=\u0026quot;utf-8\u0026quot; /\u0026gt;Call us on 1300 130 780. We\u0026amp;#39;ll explain what\u0026amp;#39;s involved, help determine your eligibility and walk you through the steps. We\u0026amp;rsquo;ll also send you the relevant forms and paperwork. We\u0026amp;#39;re here to help make your experience as smooth as possible from start to finish.\u0026lt;br /\u0026gt;\r\n\u0026amp;nbsp;","guid":"744d754c-d4a4-4063-892e-7076ee096b83","url":"https://www.lucrf.com.au/Contact-Support/FAQs/Insurance/Am-I-eligible-to-claim-Income-Protection,-Total-an","title":"Am I eligible to claim Income Protection, Total and Permanent Disablement or Disabled insurance cover? ","timestamp":637219555264621470,"filterOptions":[{"code":"GS.NewsCategory","values":[{"value":"Insurance","params":"insurance"}]},{"code":"GS.NewsType","values":[]}]},{"paragraph":"Ordinary time earnings (OTE) generally include the ordinary hours of work plus:\r\n\u0026lt;ul\u0026gt;\r\n\t\u0026lt;li\u0026gt;shift and casual loadings\u0026lt;/li\u0026gt;\r\n\t\u0026lt;li\u0026gt;directors\u0026amp;#39; fees\u0026lt;/li\u0026gt;\r\n\t\u0026lt;li\u0026gt;commissions\u0026lt;/li\u0026gt;\r\n\t\u0026lt;li\u0026gt;performance bonuses\u0026lt;/li\u0026gt;\r\n\t\u0026lt;li\u0026gt;paid annual, sick and long service leave\u0026lt;/li\u0026gt;\r\n\t\u0026lt;li\u0026gt;over-award payments\u0026lt;/li\u0026gt;\r\n\t\u0026lt;li\u0026gt;allowances.\u0026lt;/li\u0026gt;\r\n\u0026lt;/ul\u0026gt;\r\n\u0026lt;strong\u0026gt;What\u0026amp;#39;s not included\u0026lt;/strong\u0026gt;\r\n\r\n\u0026lt;ul\u0026gt;\r\n\t\u0026lt;li\u0026gt;parental leave\u0026lt;/li\u0026gt;\r\n\t\u0026lt;li\u0026gt;overtime which is generally not included, even if someone regularly works overtime as part of their job.\u0026lt;/li\u0026gt;\r\n\u0026lt;/ul\u0026gt;\r\nFor more information on salary or wages and OTE, go to the \u0026lt;a href=\u0026quot;https://www.ato.gov.au/Business/Super-for-employers/How-much-to-pay/checklist--salary-or-wages-and-ordinary-time-earnings/\u0026quot;\u0026gt;ATO\u0026amp;#39;s checklist\u0026lt;/a\u0026gt;\u0026lt;a href=\u0026quot;https://www.ato.gov.au/Business/Super-for-employers/How-much-to-pay/checklist--salary-or-wages-and-ordinary-time-earnings/\u0026quot;\u0026gt;.\u0026lt;/a\u0026gt;","guid":"7e375d10-ae8b-45ab-b7c8-445e36827ba3","url":"https://www.lucrf.com.au/Contact-Support/FAQs/Employers/What-does-Ordinary-Time-Earnings-(OTE)-mean","title":"What does \u0027ordinary time earnings\u0027 (OTE) mean?","timestamp":637213268323889246,"filterOptions":[{"code":"GS.NewsCategory","values":[{"value":"Employers","params":"employers"}]},{"code":"GS.NewsType","values":[]}]},{"paragraph":"\u0026lt;p\u0026gt;If you have an iPhone, download it from the \u0026lt;a href=\u0026quot;https://apps.apple.com/au/app/lucrf-news/id827606455?UTM=RefreshEDM\u0026quot;\u0026gt;App Store\u0026lt;/a\u0026gt;. If you have an Android phone, get it on \u0026lt;a href=\u0026quot;https://play.google.com/store/apps/details?id=com.lucrflib\u0026amp;amp;hl=en\u0026amp;amp;UTM=ChmpEDM\u0026quot;\u0026gt;Google Play\u0026lt;/a\u0026gt;.\u0026lt;/p\u0026gt;\r\n\r\n\u0026lt;h4\u0026gt;What kind of mobile phone do I need to use the app?\u0026lt;/h4\u0026gt;\r\n\r\n\u0026lt;p\u0026gt;The app is available on all modern smartphones that use either Android 5.0 and above, or iOS 6.1 and above.\u0026lt;/p\u0026gt;\r\n","guid":"37bb9bd8-81ee-4dc2-97ad-8f60c2d50f76","url":"https://www.lucrf.com.au/Contact-Support/FAQs/Superannuation/Downloading-the-app","title":"How do I download the app?","timestamp":637208178209156439,"filterOptions":[{"code":"GS.NewsCategory","values":[{"value":"Members Online","params":"members-online"}]},{"code":"GS.NewsType","values":[]}]},{"paragraph":"\u0026lt;p\u0026gt;There are several options you can choose from when deciding what happens to your money in the event of your death.\u0026amp;nbsp;\u0026lt;/p\u0026gt;\r\n\r\n\u0026lt;ul\u0026gt;\r\n\t\u0026lt;li\u0026gt;\r\n\t\u0026lt;p\u0026gt;Binding nomination \u0026amp;ndash; this is a legal declaration made every three years, that directs us to pay your benefit to your eligible beneficiaries. \u0026amp;nbsp;\u0026lt;/p\u0026gt;\r\n\t\u0026lt;/li\u0026gt;\r\n\t\u0026lt;li\u0026gt;\r\n\t\u0026lt;p\u0026gt;​Non-binding nomination \u0026amp;ndash; this lets us know your preferences which we take into consideration.\u0026lt;/p\u0026gt;\r\n\t\u0026lt;/li\u0026gt;\r\n\t\u0026lt;li\u0026gt;\r\n\t\u0026lt;p\u0026gt;Reversionary nomination (for pension accounts only) \u0026amp;ndash; we\u0026amp;rsquo;ll keep paying your income stream to your spouse or a child who meets the eligibility criteria.\u0026lt;/p\u0026gt;\r\n\t\u0026lt;/li\u0026gt;\r\n\u0026lt;/ul\u0026gt;\r\n\r\n\u0026lt;p\u0026gt;\u0026lt;b\u0026gt;Who can you nominate?\u0026lt;/b\u0026gt;\u0026lt;/p\u0026gt;\r\n\r\n\u0026lt;p\u0026gt;A death benefit can generally only be paid to your spouse or your dependant(s), or your legal personal representative (for binding or non-binding nominations)\u0026lt;/p\u0026gt;\r\n\r\n\u0026lt;p\u0026gt;Dependants can include:\u0026lt;/p\u0026gt;\r\n\r\n\u0026lt;ul\u0026gt;\r\n\t\u0026lt;li\u0026gt;your partner\u0026lt;/li\u0026gt;\r\n\t\u0026lt;li\u0026gt;your children\u0026lt;/li\u0026gt;\r\n\t\u0026lt;li\u0026gt;an interdependent person\u0026lt;/li\u0026gt;\r\n\t\u0026lt;li\u0026gt;other financial dependents (someone who relies on you financially)\u0026lt;/li\u0026gt;\r\n\u0026lt;/ul\u0026gt;\r\n\r\n\u0026lt;p\u0026gt;For non-binding nominations, you can nominate someone else (e.g. a parent), but we must be satisfied that all of your possible dependants are taken into consideration before we pay a non-dependant.\u0026amp;nbsp;\u0026lt;/p\u0026gt;\r\n\r\n\u0026lt;p\u0026gt;\u0026lt;b\u0026gt;How do I nominate a beneficiary?\u0026lt;/b\u0026gt;\u0026lt;/p\u0026gt;\r\n\r\n\u0026lt;p\u0026gt;You can update your non-binding beneficiary online via \u0026lt;a href=\u0026quot;https://portal.lucrf.com.au/Portal/member/login/\u0026quot; target=\u0026quot;_blank\u0026quot;\u0026gt;Members Online\u0026lt;/a\u0026gt;. To make a bindingnomination call us on 1300 130 780 or complete the \u0026lt;a href=\u0026quot;/getmedia/3286b233-f9b0-409a-b3ea-03d0dc8e8ef5/binding-death-nomination.pdf\u0026quot;\u0026gt;Binding Death Nomination Form\u0026lt;/a\u0026gt;.\u0026lt;br /\u0026gt;\r\n\u0026lt;br /\u0026gt;\r\nYou will be asked to make a reversionary nomination when you open a Pension account.\u0026lt;/p\u0026gt;\r\n","guid":"e18594bd-6fbe-463c-a051-f026653d8a50","url":"https://www.lucrf.com.au/Contact-Support/FAQs/Superannuation-(1)/Who-ll-get-my-super-if-I-die","title":"Who\u0027ll get my super if I die?","timestamp":637208202103891457,"filterOptions":[{"code":"GS.NewsCategory","values":[{"value":"Annual Statement","params":"annual-statement"},{"value":"Superannuation","params":"superannuation"},{"value":"Retirement","params":"retirement"}]},{"code":"GS.NewsType","values":[]}]},{"paragraph":"\u0026lt;p\u0026gt;You can log in to the app using your member number and online account password. If you haven\u0026amp;rsquo;t created an online account you can register through the app or on a tablet or desktop computer via Members Online.\u0026lt;/p\u0026gt;\r\n\r\n\u0026lt;h4\u0026gt;Help \u0026amp;ndash; I\u0026amp;#39;ve forgotten my member number.\u0026lt;/h4\u0026gt;\r\n\r\n\u0026lt;p\u0026gt;Your member number appears on your welcome letter and your annual statements.\u0026lt;br /\u0026gt;\r\n\u0026lt;b id=\u0026quot;docs-internal-guid-c4aaeb1b-7fff-5679-ce52-f271206d7a31\u0026quot;\u0026gt;If you\u0026amp;rsquo;ve forgotten your member number \u0026lt;/b\u0026gt;\u0026lt;b\u0026gt;or you can\u0026amp;rsquo;t find it, you can retrieve it\u0026amp;nbsp;\u0026lt;a href=\u0026quot;https://portal.lucrf.com.au/Portal/member/user/forgot-member-number/\u0026quot; target=\u0026quot;_blank\u0026quot;\u0026gt;here\u0026lt;/a\u0026gt;.\u0026lt;/b\u0026gt;\u0026lt;/p\u0026gt;\r\n\r\n\u0026lt;h4\u0026gt;Help - I\u0026amp;rsquo;ve forgotten my password.\u0026lt;/h4\u0026gt;\r\n\r\n\u0026lt;p\u0026gt;Tap the \u0026amp;lsquo;Forgot your password?\u0026amp;rsquo; link on the home screen. You\u0026amp;#39;ll need to enter your member number and\u0026amp;nbsp;email address and answer a security question. We\u0026amp;#39;ll then send you a temporary password to use the next time you log in to the app before being prompted to create your own.\u0026lt;/p\u0026gt;\r\n","guid":"613c453b-3177-4f64-baf7-b4aab44cc3a8","url":"https://www.lucrf.com.au/Contact-Support/FAQs/Superannuation/Logging-in","title":"How do I log in to the app?","timestamp":637208178753892073,"filterOptions":[{"code":"GS.NewsCategory","values":[{"value":"Members Online","params":"members-online"}]},{"code":"GS.NewsType","values":[]}]},{"paragraph":"\u0026lt;p\u0026gt;When an employee gives you their TFN, by law you must pass it on to their super fund. This needs to happen:\u0026lt;/p\u0026gt;\r\n\r\n\u0026lt;ul\u0026gt;\r\n\t\u0026lt;li role=\u0026quot;presentation\u0026quot;\u0026gt;on the day that you make the first Superannuation Guarantee (SG) payment for that employee, or\u0026lt;/li\u0026gt;\r\n\t\u0026lt;li role=\u0026quot;presentation\u0026quot;\u0026gt;within 14 days of receiving their TFN.\u0026lt;/li\u0026gt;\r\n\u0026lt;/ul\u0026gt;\r\n\r\n\u0026lt;p\u0026gt;If you don\u0026amp;rsquo;t pass an employee\u0026amp;rsquo;s TFN to their super fund, that employee will need to pay much higher tax on their contributions, and you\u0026amp;rsquo;ll incur a financial penalty from the ATO. Penalties also apply if you engage a third party who fails to pass on a member\u0026amp;#39;s TFN.\u0026lt;/p\u0026gt;\r\n","guid":"18602d7d-c21c-4eca-b9d8-50c06042a67d","url":"https://www.lucrf.com.au/Contact-Support/FAQs/Employers/Providing-Tax-File-Numbers-(TFN)","title":"Employee tax file numbers (TFN)","timestamp":637213269551707451,"filterOptions":[{"code":"GS.NewsCategory","values":[{"value":"Employers","params":"employers"}]},{"code":"GS.NewsType","values":[]}]},{"paragraph":"No, Income Protection insurance only covers you if you\u0026amp;rsquo;re unable to work through illness, injury or accident. If you\u0026amp;rsquo;ve recently lost your job you can contact Centrelink. They\u0026amp;rsquo;ll tell you about what government allowances are available to you.\u0026amp;nbsp;\u0026lt;br /\u0026gt;\r\n\u0026lt;br /\u0026gt;\r\nCall Centrelink on 13 28 50 or visit the \u0026lt;a href=\u0026quot;https://www.servicesaustralia.gov.au/individuals/subjects/retrenched-or-made-redundant\u0026quot;\u0026gt;Services Australia\u0026lt;/a\u0026gt; (formally Department of Human Services) website and ASIC\u0026amp;rsquo;s \u0026lt;a href=\u0026quot;https://moneysmart.gov.au/losing-your-job\u0026quot;\u0026gt;MoneySmart \u0026lt;/a\u0026gt;website for more information about employment services, income support and more.\u0026lt;br /\u0026gt;\r\n\u0026amp;nbsp;","guid":"371790a0-c2df-4884-9661-dc0c8462aade","url":"https://www.lucrf.com.au/Contact-Support/FAQs/Insurance/Does-Income-Protection-cover-me-if-I-lose-my-job","title":"Does Income Protection insurance cover me if I lose my job?","timestamp":637219556719664752,"filterOptions":[{"code":"GS.NewsCategory","values":[{"value":"Insurance","params":"insurance"}]},{"code":"GS.NewsType","values":[]}]},{"paragraph":"You can make personal contributions directly into your super account by BPAY. Log in to your \u0026lt;a href=\u0026quot;https://portal.lucrf.com.au/Portal/member/login/\u0026quot; target=\u0026quot;_blank\u0026quot;\u0026gt;Members Online\u0026lt;/a\u0026gt; portal to get the details. You can also complete a \u0026lt;a href=\u0026quot;/getmedia/7d80e553-9b24-4e4f-93ed-b583aae5d217/personal-contribution.pdf\u0026quot;\u0026gt;\u0026lt;u\u0026gt;personal contribution form.\u0026lt;/u\u0026gt;\u0026lt;/a\u0026gt;\u0026lt;br /\u0026gt;\r\n\u0026amp;nbsp;","guid":"13a19adf-0a17-46d7-b5b9-974823bad4da","url":"https://www.lucrf.com.au/Contact-Support/FAQs/Superannuation-(1)/How-can-I-make-contributions-into-my-account-Can-I","title":"How do I make additional contributions into my account? Can I do it online?","timestamp":637219520437635184,"filterOptions":[{"code":"GS.NewsCategory","values":[{"value":"Superannuation","params":"superannuation"}]},{"code":"GS.NewsType","values":[]}]},{"paragraph":"If you\u0026amp;rsquo;ve not received a projection on your annual statement this year it might be because:\r\n\u0026lt;ul\u0026gt;\r\n\t\u0026lt;li\u0026gt;you\u0026amp;rsquo;ve been with the Fund for less than a year\u0026lt;/li\u0026gt;\r\n\t\u0026lt;li\u0026gt;you\u0026amp;rsquo;ve not received or made contributions recently, or\u0026lt;/li\u0026gt;\r\n\t\u0026lt;li\u0026gt;you\u0026amp;rsquo;re already retired or are in the process of transitioning to retirement.\u0026lt;/li\u0026gt;\r\n\u0026lt;/ul\u0026gt;\r\n","guid":"c797e489-a928-4152-883f-7b102d3dc7b8","url":"https://www.lucrf.com.au/Contact-Support/FAQs/Annual-statement/Why-didn’t-I-get-a-projection-on-my-statement","title":"Why didn’t I get a projection on my statement?","timestamp":637372347610389885,"filterOptions":[{"code":"GS.NewsCategory","values":[{"value":"Annual Statement","params":"annual-statement"}]},{"code":"GS.NewsType","values":[]}]},{"paragraph":"You can log in to \u0026lt;a href=\u0026quot;https://portal.lucrf.com.au/Portal/member/login/\u0026quot; target=\u0026quot;_blank\u0026quot;\u0026gt;Members Online\u0026lt;/a\u0026gt; through a desktop computer and download your existing annual Centrelink schedule.\u0026amp;nbsp;\u0026lt;br /\u0026gt;\r\nAlternatively, you can call us on 1300 130 780 and we can send one out to you.\u0026lt;br /\u0026gt;\r\n\u0026amp;nbsp;","guid":"cbcae868-2b2b-4f26-8323-9ebf3dff73ed","url":"https://www.lucrf.com.au/Contact-Support/FAQs/Access-online/How-do-I-get-my-Centrelink-statement","title":"How do I get my Centrelink statement?","timestamp":637219641936580030,"filterOptions":[{"code":"GS.NewsCategory","values":[{"value":"Contact \u0026 Support","params":"contact-\u0026-support"},{"value":"Superannuation","params":"superannuation"}]},{"code":"GS.NewsType","values":[]}]},{"paragraph":"If you haven\u0026amp;rsquo;t received a projection but would like to know what your income could be at retirement, call us on \u0026lt;a href=\u0026quot;tel:1300130780\u0026quot;\u0026gt;\u0026lt;strong\u0026gt;1300 130 780\u0026lt;/strong\u0026gt;\u0026lt;/a\u0026gt; and speak to one of our financial advisers.\u0026lt;br /\u0026gt;\r\n\u0026amp;nbsp;","guid":"75173d7f-63be-45b7-862c-50898452f6b5","url":"https://www.lucrf.com.au/Contact-Support/FAQs/Annual-statement/I-didn’t-get-a-projection-but-would-like-to-find-o","title":"I didn’t get a projection but would like to find out how much I need to retire. What do I need to do?","timestamp":637372348304134159,"filterOptions":[{"code":"GS.NewsCategory","values":[{"value":"Annual Statement","params":"annual-statement"}]},{"code":"GS.NewsType","values":[]}]},{"paragraph":"The easiest way is to let us find it for you. Call us on 1300 130 780 and we\u0026amp;#39;ll conduct the search over the phone in just a few minutes. Make sure you take into consideration some key facts before rolling into another fund. \u0026lt;a href=\u0026quot;/superannuation/combine\u0026quot;\u0026gt;Learn more\u0026lt;/a\u0026gt;","guid":"cd14daab-c580-4541-ac37-7d546f0b3e31","url":"https://www.lucrf.com.au/Contact-Support/FAQs/Superannuation-(1)/How-do-I-find-lost-super","title":"How do I find lost super? ","timestamp":637219508333645416,"filterOptions":[{"code":"GS.NewsCategory","values":[{"value":"Superannuation","params":"superannuation"}]},{"code":"GS.NewsType","values":[]}]},{"paragraph":"By law, reporting your contributions to employees is only required if they\u0026amp;#39;re covered by an award or agreement that mandates it.\u0026lt;br /\u0026gt;\r\n\u0026lt;br /\u0026gt;\r\nHowever, even if you\u0026amp;#39;re not obliged to, you might find that reporting can deliver other advantages like building employee relations or minimising employee contribution queries.","guid":"f09fedaa-d82a-43c9-8f0c-2d074f534590","url":"https://www.lucrf.com.au/Contact-Support/FAQs/Employers/Reporting","title":"Reporting contributions to employees","timestamp":637213274278395331,"filterOptions":[{"code":"GS.NewsCategory","values":[{"value":"Employers","params":"employers"}]},{"code":"GS.NewsType","values":[]}]},{"paragraph":"\u0026lt;p\u0026gt;Our app uses a high level of security to ensure the privacy and safety of member accounts and information, including strong authentication procedures.\u0026lt;/p\u0026gt;\r\n\r\n\u0026lt;h4\u0026gt;How do I create a 4-digit PIN?\u0026lt;/h4\u0026gt;\r\n\r\n\u0026lt;p\u0026gt;When you first log in to the app, you\u0026amp;#39;ll be given an option to create a 4-digit PIN that you can use instead of a password. You can also set a PIN via the app\u0026amp;rsquo;s security section.\u0026lt;/p\u0026gt;\r\n\r\n\u0026lt;h4\u0026gt;Can I reset my password/PIN?\u0026lt;/h4\u0026gt;\r\n\r\n\u0026lt;p\u0026gt;You can change either your password or PIN once you\u0026amp;#39;ve logged in to the app through the security section of the menu.\u0026lt;/p\u0026gt;\r\n","guid":"8ad25377-8f0b-4ce1-913e-200b1b302b72","url":"https://www.lucrf.com.au/Contact-Support/FAQs/Superannuation/Security","title":"Is the app secure?","timestamp":637208180412291929,"filterOptions":[{"code":"GS.NewsCategory","values":[{"value":"Members Online","params":"members-online"}]},{"code":"GS.NewsType","values":[]}]},{"paragraph":"\u0026lt;p dir=\u0026quot;ltr\u0026quot;\u0026gt;There are certain conditions that allow you to access your super before reaching your \u0026lt;a href=\u0026quot;/superannuation/access-your-super\u0026quot;\u0026gt;preservation age\u0026lt;/a\u0026gt;. To find out whether you\u0026amp;rsquo;re eligible, and for assistance, we recommend speaking to us. Call us on 1300 130 780.\u0026lt;/p\u0026gt;\r\n\r\n\u0026lt;h4 dir=\u0026quot;ltr\u0026quot;\u0026gt;Financial hardship\u0026lt;/h4\u0026gt;\r\n\r\n\u0026lt;p dir=\u0026quot;ltr\u0026quot;\u0026gt;There may be times in life when you experience severe financial difficulty. In some circumstances, you may be eligible for early access to some of your super to help meet your immediate financial needs. To find out if you\u0026amp;rsquo;re eligible to apply,\u0026amp;nbsp;please call us on 1300 130 780.\u0026lt;/p\u0026gt;\r\n\r\n\u0026lt;h4 dir=\u0026quot;ltr\u0026quot;\u0026gt;Compassionate grounds\u0026lt;/h4\u0026gt;\r\n\r\n\u0026lt;p dir=\u0026quot;ltr\u0026quot;\u0026gt;You can apply to the ATO to have your super, or part of it, released on compassionate grounds. This includes situations where you or your dependants incur costs for:\u0026lt;/p\u0026gt;\r\n\r\n\u0026lt;ul\u0026gt;\r\n\t\u0026lt;li dir=\u0026quot;ltr\u0026quot;\u0026gt;\r\n\t\u0026lt;p dir=\u0026quot;ltr\u0026quot; role=\u0026quot;presentation\u0026quot;\u0026gt;medical expenses including treatment or transport\u0026lt;/p\u0026gt;\r\n\t\u0026lt;/li\u0026gt;\r\n\t\u0026lt;li dir=\u0026quot;ltr\u0026quot;\u0026gt;\r\n\t\u0026lt;p dir=\u0026quot;ltr\u0026quot; role=\u0026quot;presentation\u0026quot;\u0026gt;preventing foreclosure on your mortgage or home\u0026lt;/p\u0026gt;\r\n\t\u0026lt;/li\u0026gt;\r\n\t\u0026lt;li dir=\u0026quot;ltr\u0026quot;\u0026gt;\r\n\t\u0026lt;p dir=\u0026quot;ltr\u0026quot; role=\u0026quot;presentation\u0026quot;\u0026gt;modifications to your hour or car due to severe disability\u0026lt;/p\u0026gt;\r\n\t\u0026lt;/li\u0026gt;\r\n\t\u0026lt;li dir=\u0026quot;ltr\u0026quot;\u0026gt;\r\n\t\u0026lt;p dir=\u0026quot;ltr\u0026quot; role=\u0026quot;presentation\u0026quot;\u0026gt;palliative care, or\u0026lt;/p\u0026gt;\r\n\t\u0026lt;/li\u0026gt;\r\n\t\u0026lt;li dir=\u0026quot;ltr\u0026quot;\u0026gt;\r\n\t\u0026lt;p dir=\u0026quot;ltr\u0026quot; role=\u0026quot;presentation\u0026quot;\u0026gt;funeral assistance.\u0026lt;/p\u0026gt;\r\n\t\u0026lt;/li\u0026gt;\r\n\u0026lt;/ul\u0026gt;\r\n\r\n\u0026lt;p dir=\u0026quot;ltr\u0026quot;\u0026gt;To find out what documents you need, and to apply, visit the \u0026lt;a href=\u0026quot;https://www.ato.gov.au/Individuals/Super/In-detail/Withdrawing-and-using-your-super/Access-your-super-early/?page=1#Applynow1\u0026quot;\u0026gt;ATO website\u0026lt;/a\u0026gt;.\u0026lt;/p\u0026gt;\r\n\r\n\u0026lt;p dir=\u0026quot;ltr\u0026quot;\u0026gt;Alternatively call us on 1300 130 780 and we can guide you through the next steps.\u0026lt;/p\u0026gt;\r\n\r\n\u0026lt;h4 dir=\u0026quot;ltr\u0026quot;\u0026gt;COVID-19 (Coronavirus)\u0026amp;nbsp;\u0026lt;/h4\u0026gt;\r\n\r\n\u0026lt;p dir=\u0026quot;ltr\u0026quot;\u0026gt;The Federal Government is allowing people facing financial hardship as a result of the COVID-19 (Coronavirus) pandemic to be granted temporary early access to super.\u0026lt;br /\u0026gt;\r\n\u0026lt;a href=\u0026quot;/knowledge-centre/home-page/early-access\u0026quot;\u0026gt;Learn more\u0026lt;/a\u0026gt;\u0026lt;/p\u0026gt;\r\n\r\n\u0026lt;h4 dir=\u0026quot;ltr\u0026quot;\u0026gt;How much does it cost?\u0026amp;nbsp;\u0026lt;/h4\u0026gt;\r\n\r\n\u0026lt;p dir=\u0026quot;ltr\u0026quot;\u0026gt;We don\u0026amp;rsquo;t charge any exit or withdrawal fees at any time.\u0026lt;/p\u0026gt;\r\n","guid":"0e25aba1-2f55-45d9-bda1-cfd560d7e2a4","url":"https://www.lucrf.com.au/Contact-Support/FAQs/Superannuation-(1)/I-want-to-take-money-out-of-my-super-early,-what-a","title":"I want to take money out of my super early. What are my options?","timestamp":637209008127728250,"filterOptions":[{"code":"GS.NewsCategory","values":[{"value":"Superannuation","params":"superannuation"}]},{"code":"GS.NewsType","values":[]}]},{"paragraph":"Where a new employee is eligible to choose their own super fund, you need to provide them with a \u0026lt;a href=\u0026quot;/getmedia/5fc5cc68-c959-4d7f-8189-dd10ab3172c8/standard-choice-form-employers.pdf\u0026quot;\u0026gt;Standard Choice Form\u0026lt;/a\u0026gt; within 28 days of their start work date.\u0026lt;br /\u0026gt;\r\n\u0026lt;br /\u0026gt;\r\nIf your new employee doesn\u0026amp;rsquo;t want to choose their own fund, you must pay their contributions to your nominated \u0026amp;#39;default\u0026amp;#39; fund. You must also tell employees (within 28 days of their start work date) what your default fund is.\u0026lt;br /\u0026gt;\r\n\u0026lt;br /\u0026gt;\r\nYour default fund must be a MySuper Authorised fund, like us.\u0026lt;br /\u0026gt;\r\n\u0026amp;nbsp;","guid":"91327796-b06a-4602-b3b7-79b90e246e40","url":"https://www.lucrf.com.au/Contact-Support/FAQs/Employers/Choice-of-fund","title":"Choice of fund (for new employees)","timestamp":637213275112538334,"filterOptions":[{"code":"GS.NewsCategory","values":[{"value":"Employers","params":"employers"}]},{"code":"GS.NewsType","values":[]}]},{"paragraph":"Your balance and insurance cover are two different things:\r\n\u0026lt;ul\u0026gt;\r\n\t\u0026lt;li\u0026gt;Your balance is the amount in super that will be available for your retirement (typically made up of your contributions and earnings, less any payments and fees). However, there are instances where your balance may be payable before retirement to you or your beneficiaries (such as being totally and permanently disabled or pass away). You also may choose to transfer your balance to another super account.\u0026lt;/li\u0026gt;\r\n\t\u0026lt;li\u0026gt;Your insurance cover is a separate benefit (outside of your balance) that may be payable to you or your beneficiaries in the event that you become sick or injured, totally and permanently disabled, or pass away. Your insurance cover is tied to your account and may cease if you transfer your balance to another super account.\u0026lt;/li\u0026gt;\r\n\u0026lt;/ul\u0026gt;\r\n","guid":"649feaf3-1a52-4fac-8313-75093305513a","url":"https://www.lucrf.com.au/Contact-Support/FAQs/Annual-statement/What’s-the-difference-between-my-balance-and-insur","title":"What’s the difference between my balance and insurance cover – Death and Total and Permanent Disablement? ","timestamp":637407797523814752,"filterOptions":[{"code":"GS.NewsCategory","values":[{"value":"Annual Statement","params":"annual-statement"},{"value":"Insurance","params":"insurance"}]},{"code":"GS.NewsType","values":[]}]},{"paragraph":"Eligible members receive default Death and Total and Permanent Disablement (TPD) cover on their account.\u0026lt;br /\u0026gt;\r\nYou can also apply for your own level of insurance cover to meet your individual needs.\u0026lt;br /\u0026gt;\r\nInsurance cover is not compulsory, and you can cancel your insurance cover at any time.\u0026lt;br /\u0026gt;\r\nTo find out more about our insurance cover, please head to \u0026lt;a href=\u0026quot;https://www.lucrf.com.au/insurance/how-insurance-in-super-works\u0026quot;\u0026gt;How insurance in super works\u0026lt;/a\u0026gt;\u0026lt;a href=\u0026quot;https://www.lucrf.com.au/insurance/how-insurance-in-super-works\u0026quot; target=\u0026quot;_blank\u0026quot;\u0026gt;.\u0026lt;/a\u0026gt;\u0026lt;br /\u0026gt;\r\n\u0026amp;nbsp;","guid":"3eff0b51-8e21-4abe-be4c-d3a93b3dab60","url":"https://www.lucrf.com.au/Contact-Support/FAQs/Annual-statement/Is-insurance-cover-compulsory-Why-do-I-need-it","title":"Is insurance cover compulsory? Why do I need it? ","timestamp":637407798598664247,"filterOptions":[{"code":"GS.NewsCategory","values":[{"value":"Annual Statement","params":"annual-statement"},{"value":"Insurance","params":"insurance"}]},{"code":"GS.NewsType","values":[]}]},{"paragraph":"\u0026lt;p dir=\u0026quot;ltr\u0026quot;\u0026gt;You can apply to have your super paid to you as a Departing Australia Superannuation Payment (DASP) after you leave. You can do this through the ATO website \u0026lt;a href=\u0026quot;https://applicant.tr.super.ato.gov.au/applicants/default.aspx?pid=1\u0026quot;\u0026gt;here\u0026lt;/a\u0026gt;. Once the ATO approves your application\u0026amp;nbsp;(usually within 28 days), they\u0026amp;rsquo;ll let us know. We\u0026amp;rsquo;ll generally pay within 28 days of being notified.\u0026amp;nbsp;\u0026lt;/p\u0026gt;\r\n\r\n\u0026lt;p dir=\u0026quot;ltr\u0026quot;\u0026gt;Learn more \u0026lt;a href=\u0026quot;/knowledge-centre/articles/how-to-claim-your-super-once-you-leave-australia\u0026quot;\u0026gt;here.\u0026lt;/a\u0026gt;\u0026lt;/p\u0026gt;\r\n","guid":"5c0383a3-b72c-4a40-ba73-705eb11003d9","url":"https://www.lucrf.com.au/Contact-Support/FAQs/Superannuation-(1)/I’m-leaving-Australia,-how-can-I-get-my-super","title":"I’m leaving Australia, how can I get my super? ","timestamp":637209009409663634,"filterOptions":[{"code":"GS.NewsCategory","values":[{"value":"Superannuation","params":"superannuation"}]},{"code":"GS.NewsType","values":[]}]},{"paragraph":"Single Touch Payroll (STP) is a way to report information to the ATO. All employers, regardless of size, are required to do this.\u0026lt;br /\u0026gt;\r\n\u0026lt;a href=\u0026quot;https://ato.gov.au/Business/Single-Touch-Payroll/\u0026quot;\u0026gt;\u0026lt;u\u0026gt;Learn more\u0026lt;/u\u0026gt;\u0026lt;/a\u0026gt;\u0026lt;br /\u0026gt;\r\n\u0026amp;nbsp;","guid":"6c7e0b95-b475-4288-92ac-1445e05a9b9c","url":"https://www.lucrf.com.au/Contact-Support/FAQs/Employers/What-is-Single-Touch-Payroll","title":"What is Single Touch Payroll?","timestamp":637213282074498446,"filterOptions":[{"code":"GS.NewsCategory","values":[{"value":"Employers","params":"employers"}]},{"code":"GS.NewsType","values":[]}]},{"paragraph":"SuperStream is a data standard for making and paying super contributions that all employers are required to comply with by law. Employers will be compliant if they use our free clearing house to make super contributions.","guid":"480263fc-c0ef-4ac5-a7b8-963b076ccad5","url":"https://www.lucrf.com.au/Contact-Support/FAQs/Employers/What-is-SuperStream","title":"What is SuperStream?","timestamp":637214145414917856,"filterOptions":[{"code":"GS.NewsCategory","values":[{"value":"Employers","params":"employers"}]},{"code":"GS.NewsType","values":[]}]},{"paragraph":"Congratulations! To make sure your employer is paying contributions to you, complete the Choice of Fund form\u0026amp;nbsp;\u0026lt;a href=\u0026quot;/contact-support/changing-jobs\u0026quot;\u0026gt;here\u0026lt;/a\u0026gt;\u0026amp;nbsp;and hand it to them.\u0026lt;br /\u0026gt;\r\nAlternatively, select LUCRF Super on the ATO Superannuation Standard Choice Form that your new employer will give to you.\u0026lt;br /\u0026gt;\r\n\u0026amp;nbsp;\r\n\u0026lt;table border=\u0026quot;1\u0026quot; cellpadding=\u0026quot;1\u0026quot; cellspacing=\u0026quot;1\u0026quot; style=\u0026quot;width:500px;\u0026quot;\u0026gt;\r\n\t\u0026lt;tbody\u0026gt;\r\n\t\t\u0026lt;tr\u0026gt;\r\n\t\t\t\u0026lt;td\u0026gt;Fund ABN\u0026lt;/td\u0026gt;\r\n\t\t\t\u0026lt;td\u0026gt;26 382 680 883\u0026lt;/td\u0026gt;\r\n\t\t\u0026lt;/tr\u0026gt;\r\n\t\t\u0026lt;tr\u0026gt;\r\n\t\t\t\u0026lt;td\u0026gt;Fund name\u0026lt;/td\u0026gt;\r\n\t\t\t\u0026lt;td\u0026gt;LUCRF Super\u0026lt;/td\u0026gt;\r\n\t\t\u0026lt;/tr\u0026gt;\r\n\t\t\u0026lt;tr\u0026gt;\r\n\t\t\t\u0026lt;td\u0026gt;Fund address\u0026lt;/td\u0026gt;\r\n\t\t\t\u0026lt;td\u0026gt;PO BOX 211 NORTH MELBOURNE VIC 3051\u0026lt;/td\u0026gt;\r\n\t\t\u0026lt;/tr\u0026gt;\r\n\t\t\u0026lt;tr\u0026gt;\r\n\t\t\t\u0026lt;td\u0026gt;Fund phone\u0026lt;/td\u0026gt;\r\n\t\t\t\u0026lt;td\u0026gt;1300 130 780\u0026lt;/td\u0026gt;\r\n\t\t\u0026lt;/tr\u0026gt;\r\n\t\t\u0026lt;tr\u0026gt;\r\n\t\t\t\u0026lt;td\u0026gt;Unique Superannuation Identifier (USI)\u0026lt;/td\u0026gt;\r\n\t\t\t\u0026lt;td\u0026gt;\u0026amp;nbsp;LUC0001AU\u0026lt;/td\u0026gt;\r\n\t\t\u0026lt;/tr\u0026gt;\r\n\t\t\u0026lt;tr\u0026gt;\r\n\t\t\t\u0026lt;td\u0026gt;Your member number\u0026lt;/td\u0026gt;\r\n\t\t\t\u0026lt;td\u0026gt;Forgot it? Call us on 1300 130 780\u0026lt;/td\u0026gt;\r\n\t\t\u0026lt;/tr\u0026gt;\r\n\t\u0026lt;/tbody\u0026gt;\r\n\u0026lt;/table\u0026gt;\r\n\u0026lt;br /\u0026gt;\r\nAttach our \u0026lt;a href=\u0026quot;/getmedia/aebb2b88-fe34-4ee5-8ceb-b8cbc4e3d23a/notice-compliance.pdf\u0026quot;\u0026gt;Notice of Compliance\u0026lt;/a\u0026gt; to the Superannuation Standard Choice Form to confirm that we can accept contributions from your new employer.","guid":"dd5191ea-831a-4f67-8751-daaf9b254e88","url":"https://www.lucrf.com.au/Contact-Support/FAQs/Superannuation-(1)/I’ve-just-started-a-new-job,-how-does-my-employer","title":"I’ve just started a new job. How does my employer pay contributions to me?","timestamp":637219518796811083,"filterOptions":[{"code":"GS.NewsCategory","values":[{"value":"Superannuation","params":"superannuation"}]},{"code":"GS.NewsType","values":[]}]},{"paragraph":"During the 2019/20 year, it\u0026amp;rsquo;s possible that insurance cover on your account may have been cancelled due to two legislative changes affecting accounts that were considered \u0026amp;ldquo;inactive\u0026amp;rdquo; or had a \u0026amp;lsquo;low\u0026amp;rsquo; balance:\r\n\u0026lt;ul\u0026gt;\r\n\t\u0026lt;li\u0026gt;\u0026lt;strong\u0026gt;Protecting Your Super (PYS)\u0026lt;/strong\u0026gt; \u0026amp;ndash; Cancellation of \u0026amp;lsquo;inactive insurance\u0026amp;lsquo; cover for accounts where there were no contributions for 16 continuous months (unless you opted to keep cover before it was cancelled).\u0026lt;/li\u0026gt;\r\n\t\u0026lt;li\u0026gt;\u0026lt;strong\u0026gt;Putting Members\u0026amp;rsquo; Interests First (PMIF\u0026lt;em\u0026gt;)\u0026lt;/em\u0026gt;\u0026lt;/strong\u0026gt; \u0026amp;ndash; Cancellation of insurance cover for existing members whose account balance was always below $6,000 between 1 November 2019 and 1 April 2020 (unless you opted to keep cover before 1 April 2020).\u0026lt;/li\u0026gt;\r\n\u0026lt;/ul\u0026gt;\r\nIf your cover was cancelled by PYS or PMIF, you should have received a letter to let you know and to provide options on how you could apply to get your cover back.\u0026lt;br /\u0026gt;\r\n\u0026lt;br /\u0026gt;\r\nPlease see more information here about \u0026lt;a href=\u0026quot;/knowledge-centre/important-update/our-significant-event-notice-about-insurance-sept\u0026quot;\u0026gt;PYS\u0026lt;/a\u0026gt; or \u0026lt;a href=\u0026quot;/knowledge-centre/important-update/our-significant-event-notice-about-insurance\u0026quot;\u0026gt;PMIF\u0026lt;/a\u0026gt;. If you\u0026amp;#39;re unsure if your cover may have been cancelled, please call us on 1300 130 780.","guid":"b5153ac4-5eed-4fad-a444-1166c82b32ea","url":"https://www.lucrf.com.au/Contact-Support/FAQs/Annual-statement/I-thought-I-had-insurance-on-my-account-–-has-it-b","title":"I thought I had insurance on my account – has it been cancelled? ","timestamp":637372350770350176,"filterOptions":[{"code":"GS.NewsCategory","values":[{"value":"Annual Statement","params":"annual-statement"},{"value":"Insurance","params":"insurance"}]},{"code":"GS.NewsType","values":[]}]},{"paragraph":"Earnings allocated is another term for investment returns - typically the dollar amount that\u0026amp;#39;s recorded on your statements at the end of a financial year. While this amount changes every day \u0026amp;ndash; depending on the market \u0026amp;ndash; the amount you see on your statement is what\u0026amp;rsquo;s happened with your account over the whole year. At the end of 2019/20, many accounts were in negative due to COVID-19.\u0026lt;br /\u0026gt;\r\n\u0026amp;nbsp;","guid":"e335695e-1ccc-4213-9f39-97bf05782037","url":"https://www.lucrf.com.au/Contact-Support/FAQs/Annual-statement/What-does-earnings-allocated-on-my-annual-statemen","title":"What does earnings allocated on my annual statement mean?","timestamp":637407801126249341,"filterOptions":[{"code":"GS.NewsCategory","values":[{"value":"Annual Statement","params":"annual-statement"}]},{"code":"GS.NewsType","values":[]}]},{"paragraph":"Check your super from your sofa. Our app makes it easy to look up your balance, update your details, or see if your super has been paid on time. Download it now from the \u0026lt;a href=\u0026quot;https://apps.apple.com/au/app/lucrf-news/id827606455?UTM=RefreshEDM\u0026quot;\u0026gt;Apple Store\u0026lt;/a\u0026gt; or \u0026lt;a href=\u0026quot;https://play.google.com/store/apps/details?id=com.lucrflib\u0026amp;amp;hl=en\u0026amp;amp;UTM=ChmpEDM\u0026quot;\u0026gt;Google Play\u0026lt;/a\u0026gt;, or \u0026lt;a href=\u0026quot;https://portal.lucrf.com.au/Portal/member/login/\u0026quot; target=\u0026quot;_blank\u0026quot;\u0026gt;log in\u0026lt;/a\u0026gt; through your desktop computer.\u0026lt;br /\u0026gt;\r\n\u0026amp;nbsp;","guid":"c5a0cace-cca7-47c5-b332-7936be4a9547","url":"https://www.lucrf.com.au/Contact-Support/FAQs/Superannuation-(1)/What-s-my-account-balance","title":"What\u0027s my account balance? ","timestamp":637219537337800660,"filterOptions":[{"code":"GS.NewsCategory","values":[{"value":"Superannuation","params":"superannuation"}]},{"code":"GS.NewsType","values":[]}]},{"paragraph":"\u0026lt;p\u0026gt;Individuals who can choose their own\u0026amp;nbsp;fund are those who are employed under:\u0026lt;/p\u0026gt;\r\n\r\n\u0026lt;ul\u0026gt;\r\n\t\u0026lt;li role=\u0026quot;presentation\u0026quot;\u0026gt;a federal award\u0026lt;/li\u0026gt;\r\n\t\u0026lt;li role=\u0026quot;presentation\u0026quot;\u0026gt;a former state award now known as a notional agreement preserving state award (NAPSA)\u0026lt;/li\u0026gt;\r\n\t\u0026lt;li role=\u0026quot;presentation\u0026quot;\u0026gt;an award or industrial agreement that does not require super contributions.\u0026lt;/li\u0026gt;\r\n\u0026lt;/ul\u0026gt;\r\n\r\n\u0026lt;p\u0026gt;Employees that are not employed under any state award or industrial agreement (including contractors who are regarded as eligible employees for super purposes) can also choose their own\u0026amp;nbsp;fund.\u0026lt;/p\u0026gt;\r\n\u0026lt;meta charset=\u0026quot;utf-8\u0026quot; /\u0026gt;","guid":"1119c7fb-23f0-44cf-beb2-816a8463e18e","url":"https://www.lucrf.com.au/Contact-Support/FAQs/Employers/Which-employees-can-choose-a-fund","title":"Which employees can choose their own fund?","timestamp":637213276762282266,"filterOptions":[{"code":"GS.NewsCategory","values":[{"value":"Employers","params":"employers"}]},{"code":"GS.NewsType","values":[]}]},{"paragraph":"\u0026lt;p\u0026gt;Individuals who can\u0026amp;#39;t choose their own\u0026amp;nbsp;fund are those who are employed under:\u0026lt;/p\u0026gt;\r\n\r\n\u0026lt;ul\u0026gt;\r\n\t\u0026lt;li role=\u0026quot;presentation\u0026quot;\u0026gt;a state industrial award\u0026lt;/li\u0026gt;\r\n\t\u0026lt;li role=\u0026quot;presentation\u0026quot;\u0026gt;a preserved state agreement\u0026lt;/li\u0026gt;\r\n\t\u0026lt;li role=\u0026quot;presentation\u0026quot;\u0026gt;a federal industrial agreement such as an Australian workplace agreement (AWA)\u0026lt;/li\u0026gt;\r\n\t\u0026lt;li role=\u0026quot;presentation\u0026quot;\u0026gt;a pre-reform AWA, a pre-reform certified agreement or a collective agreement\u0026lt;/li\u0026gt;\r\n\t\u0026lt;li role=\u0026quot;presentation\u0026quot;\u0026gt;an old industrial relations agreement or an individual transitional employment agreement (ITEA)\u0026lt;/li\u0026gt;\r\n\t\u0026lt;li role=\u0026quot;presentation\u0026quot;\u0026gt;a workplace determination or enterprise agreement (these are defined terms in federal industrial relations law).\u0026lt;/li\u0026gt;\r\n\u0026lt;/ul\u0026gt;\r\n\r\n\u0026lt;p\u0026gt;Employees who are in certain types of defined benefit funds or who have already reached a certain level in a defined benefit fund are also not eligible. Some federal and state public sector employees are similarly excluded.\u0026lt;/p\u0026gt;\r\n","guid":"d386203f-1feb-4e00-b920-f3c45e4094c5","url":"https://www.lucrf.com.au/Contact-Support/FAQs/Employers/Which-employees-can’t-choose-a-fund","title":"Which employees can’t choose their own fund?","timestamp":637213277721071751,"filterOptions":[{"code":"GS.NewsCategory","values":[{"value":"Employers","params":"employers"}]},{"code":"GS.NewsType","values":[]}]},{"paragraph":"\u0026lt;meta charset=\u0026quot;utf-8\u0026quot; /\u0026gt;Contact your preferred fund and give them consent as well as your tax file number (TFN) and they can do this for you. Please be aware that any insurance you have with your LUCRF Super account will be cancelled as soon as you roll out.\u0026lt;br /\u0026gt;\r\n\u0026lt;br /\u0026gt;\r\nWe don\u0026amp;rsquo;t charge members an exit fee.\u0026lt;br /\u0026gt;\r\n\u0026amp;nbsp;","guid":"8c54d441-aa4b-46cc-8dbd-cebdbd428c36","url":"https://www.lucrf.com.au/Contact-Support/FAQs/Superannuation-(1)/How-do-I-roll-out-of-LUCRF-Super-into-another-fund","title":"How do I roll out of LUCRF Super into another fund?","timestamp":637219509174684960,"filterOptions":[{"code":"GS.NewsCategory","values":[{"value":"Superannuation","params":"superannuation"}]},{"code":"GS.NewsType","values":[]}]},{"paragraph":"The administration fee on your account is made up of two separate components:\r\n\u0026lt;ul\u0026gt;\r\n\t\u0026lt;li\u0026gt;a fixed dollar-based fee that is the same regardless of your balance, and\u0026lt;/li\u0026gt;\r\n\t\u0026lt;li\u0026gt;a variable percentage-based fee that is dependent on your account balance.\u0026lt;/li\u0026gt;\r\n\u0026lt;/ul\u0026gt;\r\nBoth fee charges are deducted directly from your account balance.\u0026lt;br /\u0026gt;\r\nTo find out more, please see our \u0026lt;a href=\u0026quot;/getmedia/ff151c93-b560-4bb7-b7c8-ed2d2b1a9367/lucrf-fees-and-costs-booklet-1-october-2020.pdf\u0026quot;\u0026gt;Fees and Costs Guide\u0026lt;/a\u0026gt;\u0026lt;a href=\u0026quot;https://www.lucrf.com.au/getmedia/ff151c93-b560-4bb7-b7c8-ed2d2b1a9367/fees-and-cost-booklet.pdf%5d.\u0026quot; target=\u0026quot;_blank\u0026quot;\u0026gt;.\u0026lt;/a\u0026gt;\u0026lt;br /\u0026gt;\r\n\u0026amp;nbsp;","guid":"58124d1e-5ef0-4cc5-9b44-480a8d8e4f19","url":"https://www.lucrf.com.au/Contact-Support/FAQs/Annual-statement/Why-do-you-charge-two-administration-fees","title":"Why do you charge two administration fees? ","timestamp":637407799470753344,"filterOptions":[{"code":"GS.NewsCategory","values":[{"value":"Annual Statement","params":"annual-statement"}]},{"code":"GS.NewsType","values":[]}]},{"paragraph":"Indirect costs are not a dollar-based fee and therefore not deducted directly from your account balance. Indirect costs are incurred by the investment managers and are deducted from investment returns prior to the declared returns for each investment option. These costs do not change the net investment returns.\u0026lt;br /\u0026gt;\r\n\u0026lt;br /\u0026gt;\r\nThese are calculated annually based on costs incurred in the previous financial year and can vary slightly from year-to-year as they often include performance fees (for good investing performance) and other costs associated with the investment.\u0026lt;br /\u0026gt;\r\n\u0026amp;nbsp;","guid":"362bcb05-4a58-423d-ab1f-27a649db59cd","url":"https://www.lucrf.com.au/Contact-Support/FAQs/Annual-statement/What-are-indirect-costs-and-why-are-they-being-ded","title":"What are indirect costs and why are they being deducted from my account? ","timestamp":637372345445767886,"filterOptions":[{"code":"GS.NewsCategory","values":[{"value":"Annual Statement","params":"annual-statement"},{"value":"Investments","params":"investments"}]},{"code":"GS.NewsType","values":[]}]},{"paragraph":"If an employee hasn\u0026amp;#39;t chosen a fund or provided sufficient information, you must select a default fund for them, submit all their Super Guarantee (SG) contributions into this fund, and notify the employee.\u0026lt;br /\u0026gt;\r\n\u0026lt;br /\u0026gt;\r\nThis default fund must offer an authorised MySuper product.","guid":"13694185-1f11-4e56-9751-457b95004481","url":"https://www.lucrf.com.au/Contact-Support/FAQs/Employers/What-do-I-do-if-my-employee-doesn-t-make-a-choice","title":"What do I do if an employee doesn\u0027t choose their own fund?","timestamp":637213279768242473,"filterOptions":[{"code":"GS.NewsCategory","values":[{"value":"Employers","params":"employers"}]},{"code":"GS.NewsType","values":[]}]},{"paragraph":"\u0026lt;p\u0026gt;You can meet your employer obligations by:\u0026lt;/p\u0026gt;\r\n\r\n\u0026lt;ul\u0026gt;\r\n\t\u0026lt;li role=\u0026quot;presentation\u0026quot;\u0026gt;identifying eligible employees\u0026lt;/li\u0026gt;\r\n\t\u0026lt;li role=\u0026quot;presentation\u0026quot;\u0026gt;providing them with the \u0026lt;a href=\u0026quot;/getmedia/5fc5cc68-c959-4d7f-8189-dd10ab3172c8/standard-choice-form-employers.pdf\u0026quot;\u0026gt;Standard Choice Form\u0026lt;/a\u0026gt; within 28 days of their start date or within 28 days of the employee requesting a choice form\u0026lt;/li\u0026gt;\r\n\t\u0026lt;li role=\u0026quot;presentation\u0026quot;\u0026gt;paying SG contributions into an employee\u0026amp;#39;s chosen fund within two months of being notified of their fund choice\u0026lt;/li\u0026gt;\r\n\t\u0026lt;li role=\u0026quot;presentation\u0026quot;\u0026gt;keeping records for at least five years of\u0026amp;nbsp;an employee\u0026amp;#39;s fund choices and payment obligations.\u0026lt;/li\u0026gt;\r\n\u0026lt;/ul\u0026gt;\r\n","guid":"ef4d207a-3621-4b02-8427-6903ba236634","url":"https://www.lucrf.com.au/Contact-Support/FAQs/Employers/How-do-I-meet-my-choice-of-fund-obligations","title":"How do I meet my choice of fund obligations?","timestamp":637213280954206781,"filterOptions":[{"code":"GS.NewsCategory","values":[{"value":"Employers","params":"employers"}]},{"code":"GS.NewsType","values":[]}]},{"paragraph":"The 2019/20 annual statement you\u0026amp;rsquo;ve received shows transactions for your super account for the financial year from 1 July 2019 to 30 June 2020. Any transactions, such as withdrawals, made in the next financial year 2020/21 (from 1 July 2020 to 30 June 2021) will show in the next annual statement.\u0026lt;br /\u0026gt;\r\n\u0026lt;br /\u0026gt;\r\nIf you accessed your super early as part of the government\u0026amp;rsquo;s COVID-19 early release legislation in the 2019-20 financial year (from 20 April 2020 to 30 June 2020), your 2019/20 annual statement will show this withdrawal amount. If you accessed your super early from 1 July 2020 onwards, this amount will be shown in your next annual statement for 2020/21.\u0026lt;br /\u0026gt;\r\n\u0026lt;br /\u0026gt;\r\nYou can view your recent transactions by\u0026amp;nbsp;heading to \u0026lt;a href=\u0026quot;https://portal.lucrf.com.au/Portal/member/login/\u0026quot;\u0026gt;Members Online\u0026lt;/a\u0026gt;\u0026lt;a href=\u0026quot;https://portal.lucrf.com.au/Portal/member/login/\u0026quot; target=\u0026quot;_blank\u0026quot;\u0026gt;.\u0026lt;/a\u0026gt;\u0026lt;br /\u0026gt;\r\n\u0026amp;nbsp;","guid":"9dbe727b-784b-48ae-89f5-af6a4adca4cb","url":"https://www.lucrf.com.au/Contact-Support/FAQs/Annual-statement/Why-can’t-I-see-the-amount-of-super-I’ve-withdrawn","title":"Why can’t I see the amount of super I’ve withdrawn during the second round of COVID-19 early release?","timestamp":637372346636382018,"filterOptions":[{"code":"GS.NewsCategory","values":[{"value":"Annual Statement","params":"annual-statement"}]},{"code":"GS.NewsType","values":[]}]},{"paragraph":"If you selected email as your preferred form of communication but received your statement by mail, it might be that our email to you couldn\u0026amp;rsquo;t be delivered successfully. When sending annual statements, if an email is returned as being undeliverable, we\u0026amp;rsquo;ll then send it to you by mail. If this is the case, it might be that you\u0026amp;rsquo;ve either changed your email address or you\u0026amp;rsquo;ve provided us with an invalid email address. You can check or update your contact details through your \u0026lt;a href=\u0026quot;https://portal.lucrf.com.au/Portal/member/login/\u0026quot; target=\u0026quot;_blank\u0026quot;\u0026gt;Members Online\u0026lt;/a\u0026gt;\u0026amp;nbsp;or contact us on \u0026lt;strong\u0026gt;1300 130 780\u0026lt;/strong\u0026gt; and we\u0026amp;rsquo;ll do it for you over the phone.\u0026amp;nbsp;\u0026lt;br /\u0026gt;\r\n\u0026amp;nbsp;","guid":"de80992a-5aaa-48d1-b6b8-a013650c3c04","url":"https://www.lucrf.com.au/Contact-Support/FAQs/Annual-statement/Why-did-I-get-my-statement-via-mail-when-I-asked-f","title":"Why did I get my statement via mail when I asked for it to be emailed to me?","timestamp":637372354117951998,"filterOptions":[{"code":"GS.NewsCategory","values":[{"value":"Annual Statement","params":"annual-statement"}]},{"code":"GS.NewsType","values":[]}]},{"paragraph":"For privacy reasons we don\u0026amp;#39;t display your TFN on documents.\u0026lt;br /\u0026gt;\r\n\u0026amp;nbsp;","guid":"b5f61c79-0558-4138-b154-3d936e254d90","url":"https://www.lucrf.com.au/Contact-Support/FAQs/Annual-statement/I-can’t-see-my-TFN-on-the-statement-Are-you-able-t","title":"I can’t see my TFN on the statement. Are you able to provide it?","timestamp":637407800156380744,"filterOptions":[{"code":"GS.NewsCategory","values":[{"value":"Annual Statement","params":"annual-statement"}]},{"code":"GS.NewsType","values":[]}]},{"paragraph":"You can either\u0026amp;nbsp;log into your \u0026lt;a href=\u0026quot;https://portal.lucrf.com.au/Portal/member/login/\u0026quot; target=\u0026quot;_blank\u0026quot;\u0026gt;Members Online\u0026lt;/a\u0026gt;\u0026amp;nbsp;to update how you\u0026amp;rsquo;d like to receive your annual statement from us or contact us on \u0026lt;strong\u0026gt;1300 130 780\u0026lt;/strong\u0026gt; and we\u0026amp;rsquo;ll do it for you over the phone. \u0026amp;nbsp;\u0026amp;nbsp;\u0026lt;br /\u0026gt;\r\n\u0026lt;br /\u0026gt;\r\nPlease note that a change in preference will only be effective for next year\u0026amp;rsquo;s annual statement.\u0026lt;br /\u0026gt;\r\n\u0026amp;nbsp;","guid":"8d526510-0945-4310-bfc7-a56aef6554c8","url":"https://www.lucrf.com.au/Contact-Support/FAQs/Annual-statement/How-do-I-change-my-contact-preference-from-email-t","title":"How do I change my contact preference from email to mail, or mail to email?","timestamp":637372355636603824,"filterOptions":[{"code":"GS.NewsCategory","values":[{"value":"Annual Statement","params":"annual-statement"}]},{"code":"GS.NewsType","values":[]}]}],"filterOptions":[{"title":"FAQ Categories","code":"GS.NewsCategory","queryParam":"category","multiSelect":true,"required":false,"label":"By category:","type":"tags","values":[{"value":"Members Online","params":"members-online"},{"value":"Superannuation","params":"superannuation"},{"value":"Retirement","params":"retirement"},{"value":"Insurance","params":"insurance"},{"value":"Investments","params":"investments"},{"value":"Contact \u0026 Support","params":"contact-\u0026-support"},{"value":"Employers","params":"employers"},{"value":"Annual Statement","params":"annual-statement"}],"infos":[]}],"settings":{"activeFiltersStyle":"btn-tags","showActiveFilters":false,"showResetFilters":true,"keywordPlaceholderText":"Input keywords","showResultCount":true,"itemsPerPage":12}}