Joining BT for the first time

If your employer has selected BT Super for its default employee super and you’d like to join, your employer can update your details with BT automatically. or they may ask you to complete a Standard choice form. Your employer will then be able to make Super Guarantee (SG) contributions on your behalf into your BT super account. 


If you’ve just started a new job, you probably have a lot to think about. The good news is that BT makes it easy for you to keep your super account regardless of where you work.


Keeping your BT Super account means you keep all your existing arrangements giving you one less thing to worry about.


If you have a question about what happens to your super when you start or leave a job that isn’t answered here, speak to one of our Super Specialists on 132 135.


You can combine any other super accounts you have into your BT Super account using the BT easy rollover tool online. If you’re not sure where all your other super is, we can conduct a Super Search for you and find all your lost and ATO-held super accounts and help you combine it into your BT Super account.

 

Before moving your super, you should check with your other fund(s) to check if there are any exit fees for moving your benefit, or other loss of benefits such as insurance cover.

 

Often we overlook insurance and at BT we make it easy to apply and transfer your insurance held within your super fund(s) into your BT Super account.  You may transfer existing insurance instead of or in addition to any insurance already provided by BT Super subject to specified limits and eligibility criteria.

 

If you’d like to transfer any existing insurance before moving your other super into your BT Super account, speak to one of our Super Specialists on 132 135.


If you're already a member of BT Super, have at least $500 in your BT Super account and you leave the employer who set up the account for you, you'll automatically become a 'personal member'. If you’d like your new employer to pay your Super Guarantee (SG) into your BT Super account, you’ll need to provide them with your account details by following these easy steps.

 

Here's what you need to do:

 

Or, download the exit pack which contains all of the above.

 

If you give your new employer a Choice of Super Fund form you won't need to fill out a Standard choice form when you start your new job and you won't have to go through the hassle of changing super investments, insurance arrangements, online PINs, and passwords.

 

If you have any questions, please speak to one of our Super Specialists on 132 135 or a financial adviser for more tailored advice.


When you leave the employer who set up your BT Super account, you become a ‘personal member’ and as long as you’re in the same general state of health, your current level of cover will continue. For members insured under Standard cover, the cover will continue in your ‘personal’ membership under the age-based scale. You can request to increase your existing cover but you may need to undergo a medical check-up.

 

Your insurance premiums may or may not change depending on the arrangements that applied to your previous employer’s plan. The standard premium rates disclosed in your plan will apply for you. Any employer related discounts or loadings previously applied to your insurance premiums may change. Any member specific restrictions or premium loadings will continue to apply.

 

For members of BT Lifetime Super – Employer Plan

Refer to the BT Lifetime Super – Employer Plan Product Disclosure Statement and Additional Information Booklet – Part 3 Insurance for detailed information.

 

For members of BT Business Super – Employer Plan

Refer to the BT Business Super – Employer Plan Product Disclosure Statement and Additional Information Booklet – Part 3 Insurance for detailed information.

 

As a ‘personal member’ of the BT Lifetime Super – Employer Plan, or as a ‘personal member’ within the Retained Benefits section of BT Business Super, you’ll receive a competitive fee structure, which can be found in the Product Disclosure Statements. Please note that this may be different from the fees that applied while you were a member of your previous employer’s plan.