Check whether a payment is actually missing
Start with the fund transaction history, not the payslip alone. Identify the pay date, qualifying earnings, employer rate and amount shown by payroll, then look for the matching deposit. From 1 July 2026, contributions are made with salary or wages and generally need to reach the fund within seven business days.
Check that you are looking at the correct account and that your employer has the right member number and fund identifier. A payment may have been rejected, sent to an old account or delayed by incorrect data. Save the payslip and a screenshot or statement showing the missing period.
Raise the issue clearly with the employer
Ask payroll in writing which fund received the payment, the amount, the date sent and any clearing-house reference. A concise request gives a genuine data error a chance to be fixed and creates a record if the issue continues. Do not accept a payslip entry as proof without fund confirmation.
If the calculation appears low, check whether the earnings counted are qualifying earnings and whether a salary package includes super. Use the ATO estimate and eligibility tools for guidance, particularly for contractors, workers under 18 or unusual allowances.
Report unresolved unpaid super
If the employer does not resolve the issue, report unpaid super to the ATO using its official process. Gather the business name and ABN if known, employment dates, contact details, payslips, fund statements and any correspondence. The ATO can investigate and pursue eligible unpaid amounts.
Keep checking later payments and do not wait until employment ends if the pattern continues. If the business is insolvent or you face retaliation, seek advice about employment rights as well as the super claim. Missing super is part of pay, not a discretionary bonus.
Quick reference
Key things to remember
- Fund transactions can lag behind payday.
- For paydays from 1 July 2026, contributions generally need to reach the fund within seven business days; earlier periods used quarterly deadlines.
- Incorrect member details can cause rejected payments.
- Late or unpaid super can be reported to the ATO.
Put it into practice
Your next steps
- 01
Collect payslips, your contract and fund statements.
- 02
Ask the employer in writing for a reconciliation.
- 03
Confirm the fund has not rejected or redirected the payment.
- 04
Use the ATO unpaid-super process if it remains unresolved.
Check the source
Official information
Super and tax rules change. These primary sources are the right place to verify the details before you act.