BT Lifetime Super - Employer Plan

BT’s workplace super solution makes it easy for employers to meet their super obligations, and provides choice and flexibility for your employees to make the most of their super. As an employer, BT provides ongoing support, tools, and resources for you to make the most of your plan and look after your employees and their retirement goals.

Who is this for?

BT Lifetime Super – Employer Plan is designed for employers looking for a super solution for their employees, and people who are self-employed. Employer plans must have a minimum of two members, and make an average minimum contribution of $2,700 per year. 

Key benefits

Easy super administration
Free access to QuickSuper so you can make super payments for all of your employees quickly and at no cost.

MySuper compliant Lifestage investing
Comply with your super obligations and give your employees an investment portfolio that changes to suit their stage of life.

Super support
Our large support and advice network can provide answers to all your super questions for both employers and members.

Member wellbeing program
We help members live well with a range of wellbeing tools and offers through their super.

Quality insurance
Our award winning insurance is there to support members when they need it most.

Investment options

Our default BT MySuper Lifestage Investment Options invest based on your employees age and automatically adjust the asset mix throughout their life.

Or, members can choose from a range of Investment Options to suit their financial situation, goals, and preference for risk.

Insurance cover

There are two insurance options – Standard cover or Tailored cover. Insurance cover is provided automatically to eligible member’s on joining without the need for medical or health checks. The cover type provided is generally determined by the member’s employer. Members have the flexibility to apply to increase the amount of insurance cover they need based on their personal circumstances, and the cost of insurance cover is deducted directly from the member’s super account. 

Standard cover
Insurance provided under Standard cover includes Death & Total and Permanent Disablement insurance cover. The amount of insurance cover provided is based on a member’s age, and the cost of insurance cover is based on the member’s age, occupation and gender.

Tailored cover
Insurance provided under Tailored cover includes a combination of Death, Total and Permanent Disablement, and Salary Continuance Insurance cover (sometimes referred to as Income Protection insurance). The amount of insurance cover provided is based on an insurance design selected by the member’s employer - for example, the amount of cover provided could be linked to a multiple of the member’s salary. The cost of insurance cover is based on the member’s age, occupation, gender and the insurance design selected by their employer.

Manage your super obligations

Employers can easily set up new employees and make contributions through BT QuickSuper.

Employees can keep an eye on their super, update personal details and manage their investment strategy through BT Online.

What is Benefits Now?

Benefits Now is a program that gives BT super members access to a generous range of offers, special deals and discounts on the everyday things; from movie tickets and holidays to retail therapy and insurance.

Watch our video to find out more about Benefits Now.

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

BT Funds Management Limited ABN 63 002 916 458 AFSL No. 233724 RSE No. L0001090 (BTFM) is the trustee of Retirement Wrap USI BTA0136AU RSE R1001327 ABN 39 827 542 991 and the issuer of interests in BT Lifetime Super – Employer Plan. A Product Disclosure Statement and other relevant disclosure documents (together, the PDS) are available for BT Lifetime Super – Employer Plan and can be obtained by calling 132 135,or visiting bt.com.au. You should obtain and consider the PDS before deciding whether to acquire, continue to hold or dispose of interests in BT Lifetime Super – Employer Plan.  BTFM is a member of Westpac Banking Corporation ABN 33 007 457 141 (the Bank).  An investment in BT Lifetime Super – Employer Plan is not an investment in, deposit with or any other liability of the Bank or any other company in the Westpac Group.  It is subject to investment risk, including possible delays in repayment of withdrawal proceeds and loss of income and principal invested. The Bank and its related entities do not stand behind or otherwise guarantees the capital value or investment performance of BT Lifetime Super – Employer Plan.

The information shown on this site is general information only, it does not constitute any recommendation or advice; it has been prepared without taking into account your personal objectives, financial situation or needs and so you should consider its appropriateness having regard to these factors before acting on it. Any 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. You should also consider obtaining personalised advice from a professional financial adviser before making any financial decisions in relation to the matters discussed hereto.  The information provides an overview or summary only and it should not be considered a comprehensive statement on any matter or relied upon as such.

BTFM has not reviewed any awards or other industrial instruments or agreements that are, or may become relevant to your employees. BT Lifetime Super – Employer Plan may not satisfy your obligations under any such award or industrial instrument or agreement. Before making a decision about BT Lifetime Super – Employer Plan, we recommend that you seek legal advice on its appropriateness, having regard to the requirements of any awards or other industrial instruments or agreements that are, or may become applicable.

BT Financial Services Guides can be obtained by calling 1300 653 553, or visiting www.bt.com.au.  © BT Financial Group – A Division of Westpac Banking Corporation.