2 min. readlast update: 11.01.2023


A Contribution, in the context of superannuation and superannuation claims, refers to the money that is deposited into a superannuation fund to provide for retirement benefits. These contributions can be made by the individual, their employer, or other entities, and they form the basis for benefits such as Total and Permanent Disability (TPD), Income Protection (IP), Death Benefits, Terminal Illness, etc.

Key Features

  1. Types of Contributions: There are several types of contributions, including compulsory employer contributions (also known as Super Guarantee contributions), voluntary contributions made by the individual (which can be concessional or non-concessional), and contributions made by others, such as spouse contributions.
  2. Contribution Caps: There are limits to how much can be contributed to superannuation each year without incurring extra tax. These limits, or caps, vary depending on the type of contribution and the individual's circumstances.
  3. Impact on Claims: The contributions made to a superannuation fund can impact the benefits payable under a superannuation claim. For example, the payout for a TPD or death benefit claim may be influenced by the amount of contributions made to the fund.


Contributions are the foundation of a superannuation fund. They are invested over time to provide a source of income in retirement or to provide benefits in the event of disability, death, or terminal illness. Regular contributions can help ensure that individuals have sufficient funds to support them.


When making contributions, it's important to consider contribution caps, tax implications, and the potential impact on future superannuation claims. It's also crucial to regularly review superannuation strategies to ensure they align with changing personal circumstances and financial goals.


A Contribution is a fundamental aspect of superannuation and superannuation claims. It's the money invested and later provided for retirement benefits or payouts in the event of disability, death, or terminal illness. Understanding the rules and implications of contributions can help individuals make informed decisions about their superannuation strategies. 

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