People over age 65 can only add after tax money to their super if they meet the ‘work test’. To confirm you or your spouse are eligible, please send us an At work declaration form right before or after your contribution to your or your spouse’s account.
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To claim your after tax contributions as a tax deduction, please send us a completed Notice of intent to claim or vary a deduction for personal super contributions form when making your payment.
If you’re aged over 65 and under 75, you must work at least 40 hours in any 30 consecutive day period during the current financial year to make after-tax contributions to your super. This is called the ‘work test’.
There’s an exemption for the work test if you have less than $300,000 in super. This means you can also make these contributions for up to 12 months after the financial year when you last met the work test, provided that we receive your contributions before 28 days after the end of the month in which you turned 75. You also must not have used this exemption in a previous financial year.
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To make a downsizer contribution, please send us a completed Downsizer contribution into super form before or when making your payment. To find out more about downsizer contributions, read our Downsizer contribution measure factsheet.
To make a personal injury contribution, please send us a completed Contributions for personal injury form before or when making your payment.
To make a small business 15 year exemption or a small business retirement exemption contribution to your super, please send us a Capital gains tax (CGT) cap election form before or when you make the contribution. For more information, call the ATO Super infoline on 13 10 20 or visit their website.