Remember, limited services apply from 22 April ahead of the APSS merger with Australian Retirement Trust on 30 April.

If you are a low or middle-income earner and choose to make contributions to employee member savings , Rollover Account or Spouse Account (or any other super fund account) from your after-tax pay, you may be able to ‘co-contribute’ with the Commonwealth Government. In other words, the Government will match your contributions up to a limit, if you are eligible.

These ‘co-contributions’ are part of a Commonwealth Government initiative to help low or middle-income earners boost their retirement savings.

You can find more information on the ATO's website and work out if you’re eligibleOpens in new window .

Other than making the choice to have an employee member savings , Rollover Account or Spouse Account and make contributions to it from your after-tax pay, the only thing you need to do to receive co-contributions is simply to make sure your income tax return is lodged. The ATO will use the information on your income tax return, and contribution information from your super fund, to work out whether you are eligible to receive co-contributions.

If you are eligible, the ATO will automatically calculate the co-contribution amount and deposit it into your APSS Member Savings account if that’s your nominated super account for co-contributions.