BT Lifetime Super - Employer Plan
BT Lifetime Super - Employer Plan is a superannuation plan set up by employers for their employees and managed by BT. As a member, you enjoy the benefits of group-buying power (meaning reduced costs for you) in both administration fees and insurance premiums. You can maintain the plan throughout your working life, regardless of how many times you change jobs. If you're eligible for Super Choice, any future employers you have can make contributions directly to your account.
For additional information for employers on how to manage this product visit the Manage my product.
Investment choice
The BT Lifetime Super Employer Plan gives you the ability to choose from over 40 investment options. This means you can invest for retirement in a way that suits your risk profile, financial goals and retirement expectations.
Contribution options
Adding to your BT Lifetime Super - Employer Plan is easy. You can contribute salary sacrifice funds, spouse contributions and personal after-tax contributions. The plan also accepts the government co-contribution (if you are eligible) Further information regarding eligibility and government co-contribtions generally can be obtained from the ATO.
Insurance
Paying for insurance through the BT Lifetime Super – Employer Plan allows you to save money by paying your premiums using pre-tax dollars. You have access to the following insurance options:
- Death Only
- Death & Total and Permanent Disablement (TPD)
- Death & TPD and Salary Continuance Insurance
For existing members you can increase your insurance cover by completing the insurance increase form.
Easy access
24-hour internet and telephone transaction access means you can monitor your superannuation and switch investment options whenever you want.
Spouse accounts
Your spouse can also join the BT Lifetime Super – Employer Plan and enjoy all its features and benefits by completing a spouse application form.
BT Benefits
We’ve negotiated some great deals and exclusive offers on behalf of our members. With BT Benefits you can take advantage of:
- Financial products provided by Westpac
- Travel packages, accommodation and car hire
- Travel insurance
- Health insurance
- Leisure and adventure experiences
- Gifts from premium online shopping malls
You can see the full list by logging on to BT Online.
More information
- Product Disclosure Statement (PDS)
- Investment options
- Unit prices
- Performance
- Management fees
- Additional information for employers on how to manage this product visit Manage my product
The taxation position described is a general statement and should only be used as a guide. It does not constitute tax advice and is based on current tax laws and our interpretation. Your individual situation may differ and you should seek independent professional tax advice.
BT Funds Management Limited ABN 63 002 916 458 , AFSL No. 233724, RSE No. L0001090 is the trustee of BT Lifetime Super – Employer Plan ABN 39 827 542 991, RSE No. R1001327 [the Fund] and is the issuer of interest in the Fund. A Product Disclosure Statement is available for the fund and can be obtained by calling 132 135 by visiting www.bt.com.au. You should obtain the PDS before deciding whether to acquire, continue to hold or dispose of interests in the Fund.
There may be limited circumstances where your employer is not required to accept your Choice of Superannuation fund form eg. if you have already exercised Super Choice in the last 12 months.
BT Benefits
Super Savings for Super Members
BT Benefits is an exclusive benefits program available to BT Corporate Super, BT Personal Super, BT Super for Life and BT Retirement customers.
