Phone 1800 444 396
Web brightersuper.com.au
Email info@brightersuper.com.au
Post GPO Box 264, Brisbane QLD 4001

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Defined benefits

If you have been working for local government for a long period of time, you may have a defined benefit. Defined benefits are no longer available to new members.

Brighter Super operates three separate defined benefit funds:

If you work for a local government or energy industry employer who provided superannuation for their employees under a defined benefit arrangement, you may have a defined benefit account. In a defined benefit fund, your retirement benefit is determined by a formula instead of being based on investment returns. These funds are closed to new members.

Energy Super Defined Benefit:
 This is for members who have an Energy Super Defined Benefit account.

City Defined Benefits account:
 This is for members who joined City Super while working for Brisbane City Council (Brighter Super, formerly LGIAsuper, and City Super merged in July 2011).

Regional Defined Benefits Fund:
 This is for Queensland local government employees, other than Brisbane City Council, and Queensland Urban Utilities and associated employees.

How benefits are calculated

The two defined benefits are calculated very differently. See the guide that relates to your fund.

Super contributions

Your employer contributes to the fund, while you contribute a percentage of your salary to the fund. These contributions are added to a pool of money to provide benefits to all members of that fund.

Insurance cover

Your employer contributes to the fund, while you contribute a percentage of your salary to the fund. These contributions are added to a pool of money to provide benefits to all members of that fund.

Investment choice

Investment choice does not apply to your defined benefit. If you make any personal contributions or transfer other super to Brighter Super these are invested in an Accumulation account, where you can choose how your money is invested.

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We’re here to make things easy and help you get the most from your super so you can enjoy a better lifestyle in the years ahead.

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