BT Super

One size fits all is a thing of the past. These days we want to tailor, customise and personalise our experiences. We expect to be able to connect at any time and to quickly and easily complete a task.

At BT, we’ve created super for all Australians. Super that makes it easy for employers to look after their super obligations and that gives employees help with their financial, physical and mental wellbeing.

Who is this for?

BT Super is for employers looking to offer super to their employees as their default super fund. It is suitable for all size businesses and the needs of their employees no matter what they need, or where they are in life.

Key benefits

Compliance made easy
BT Super is legislatively compliant so you can meet your super fund obligations. A default super fund is where you pay contributions for an employee who doesn’t chose their own super fund. We’ll help you take care of super for your employees while you’re taking care of business.

Be compliant with the government’s super contribution regulations by using QuickSuper for your super administration – and save time with streamlined and automated processing of your super contributions.

One size doesn’t fit all
BT Super offers every individual the opportunity to personalise their super to suit them. And for those that don’t want to choose, we have a smart investment option that automatically changes with their age, and standard insurance cover as a safety net in case the unexpected happens.

Life is always changing, so super should be flexible and provide your employees with help as they change. From simple investments to options that align with your employees’ goals and values such as sustainable investing – BT can help.

Leading insurer
BT Super offers comprehensive and flexible group insurance cover from an award winning insurer, so you know your employees will be in good hands.

If you have five or more employees in your plan, you’ll have the option to tailor the insurance offered including adding Salary Continuance Insurance. Your BT Super plan may also be able to provide automated acceptance for eligible employees at group insurance rates.

Help your way
You and your employees can get support in a way that suits including click to chat, email, online, phone or face-to-face.

Your most important asset
We understand that a healthy workforce is a productive one and a productive workforce is essential for your long term growth. That is why we offer a holistic wellbeing program encompassing financial, physical and mental health.

Flexibility, but we’ve got your back

BT Super has a range of investment choices, catering for all ages, styles and levels of knowledge. From aspiring to experienced investors, those looking to invest in line with their goals or values, or members who would rather leave investing to the professionals – we’ve got it covered.

Our range of investment options are backed by the strength of leading investment managers to provide the best opportunity for growth.

Your employees can:

  • leave it to us and their super will be invested in Lifestage, a smart investment that adjusts with their age, or
  • choose their own mix of investments from our menu covering specialist, actively managed and index funds, sector-specific, and diversified options.

Help when the unexpected happens

You can choose the insurance you’d like offered in your BT Super plan, and insurance fees will be deducted from your employees’ super accounts. BT Super offers:

  • Essential Death & Total and Permanent Disablement (TPD) Cover (default option) - Essential Cover is a fixed Death & TPD amount that is based on age. It’s designed to provide an amount of insurance cover (called units) for your employees that increases or decreases depending upon their age.
  • Tailored Death & TPD Cover - Tailored Cover provides more flexibility in the cover that can be offered by calculating Death & TPD cover in different ways. Provided you have five or more eligible employees in the plan, you can design insurance for different types of employees within your business.
  • Salary Continuance Insurance (SCI) Cover - You can also add SCI cover to protect your employees in case they are not able to work, provided you have five or more eligible employees. SCI cover replaces up to 75% of income, and you can also choose to cover super contributions.

The greatest wealth is to live well

We’ve made choices about BT Super to help with your employees’ financial wellbeing, and we offer support on more than just their super. Our wellbeing philosophy encompasses financial, physical and mental health, as well as a focus on wellbeing through family and community.

So we provide programs, tools and support across all of these fronts. Here are some examples.

Great benefits to be enjoyed now
Check out our Benefits Now program. Benefits Now offers a range of specially selected discounts and deals to help you save money on everyday things like movie tickets, shopping, travel, fitness and insurance.

A clearer future with Wealth Review
BT Super members have access to Wealth Review – a simple, interactive online tool that combines employee information with the latest economic data to provide them with an easy-to-understand snapshot of their current financial situation and projects for the future. Members can share it with their family, or talk to their financial adviser about where they should head.

My Wellbeing
Our holistic wellbeing program looks at all elements of your employees’ life to help them live well. The My Wellbeing portal is a rich source of information, tools and programs that you can tailor for you.

I am already a Westpac customer

I am not a Westpac customer

If you have any questions about your super, contact us for more information.

This information has been prepared without taking account of your personal objectives, financial situation or needs. Because of this you should, before acting on this information, consider its appropriateness, having regard to your objectives, financial situation and needs.

BT Funds Management Limited ABN 63 002 916 458, AFSL No. 233724 (BTFM) is the issuer of interests in BT Super and the trustee of Retirement Wrap ABN 39 827 542 991. A product disclosure statement (PDS) (including the Guides) is available for BT Super and can be obtained by calling 132 135, or visiting www.bt.com.au. You should obtain and consider the PDS before deciding whether to acquire, continue to hold or dispose of interests in BT Super. Westpac Life Insurance Services Limited ABN 31 003 149 157, AFSL 233728 is the provider of insurance for BT Super.

This publication provides an overview or summary only and it should not be considered a comprehensive statement on any matter or relied upon as such.

BTFM is a member of the Westpac Banking Corporation ABN 33 007 457 141 (Westpac) Group. An investment in BT Super is not an investment in, deposit with, or any other liability of Westpac, or any other company in the Westpac Group. It is subject to investment risk, including possible delays in repayment or loss of income and principal invested. Westpac and its related entities (including BTFM) do not stand behind or otherwise guarantee the capital value or investment performance of BT Super. © BT Financial Group – A Division of Westpac Banking Corporation.