Super and your spouse

Mercy Super offers a number of ways to build your super together:

• Spouse account – your spouse or partner can become a Mercy Super member, just like you and enjoy all the same benefits.
• Spouse contributions – enabling access to tax benefits if you’re eligible.
• Contribution splitting – you can split up to 85% of your before-tax (employer and any salary sacrifice) contributions to their super.

Your spouse joining Mercy Super

All your spouse needs to do is complete a Spouse application form, return it to us, and we’ll do the rest. Make sure your member number is included and you’ve signed the form too. Once the account is established they can also arrange for their employer to make contributions to their new Mercy Super account.

You don’t have to be married to have a ‘spouse’

An eligible spouse is someone who:

• You’ve legally married under Federal Law.
• You’re in a relationship with someone that is registered under a state or territory law.
• You’re living with on a genuine domestic basis in a relationship as a couple.

Spouse contributions

Once your spouse is set up as a Mercy Super member, they can arrange for contributions to be paid into their account. In addition to eligible before-tax and after-tax contributions that can be paid into their account (for example from their employer or from them directly), you can also make contributions to your spouse’s account provided they are:

• Under 67, or
• Between 67 and 74 and have worked at least 40 hours within a period of not more than 30 consecutive days in the current financial year.