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A useful unpaid super enquiry is built around a clear period and a clear question. Before opening the official process, organise what you can confirm from your payslips and fund records. Keep assumptions out of the total you are trying to explain.
Identify the employer shown on the records, your employment dates and the pay periods you want checked. If you worked for several businesses, keep their records in separate groups. That makes it easier to explain which contribution belongs to which job.
Complete these checks before reporting
Use the ATO’s guidance to check whether you were entitled to super and how to work out the expected amount. A payslip figure alone does not settle every entitlement question. If the calculation is unclear, note what you need clarified rather than inventing an exact shortfall.
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Confirm the destination fund and review its transaction history for the relevant period. Ask the fund to clarify an entry you cannot identify. Then ask payroll for the payment date, amount and receiving fund, keeping any reply with the records you are reviewing.
Check the timing rule as well. From 1 July 2026, contributions generally must be received within 7 business days of payday; exceptions can extend that period. Earlier periods use the rules that applied at the time. The official guidance remains the reference for your circumstances.
If the issue is still unresolved, the button below opens Moneysmart’s official super payment guide, which links to the ATO’s unpaid super guidance and reporting tool. You will leave Jlor Digital; this page does not submit an enquiry or make a finding against your employer.
Build a short evidence pack
Create a private folder for the review and keep the original documents intact. A simple naming system such as “Employer – pay period – payslip” can make the history much easier to follow. Use a separate note for your explanation so it cannot be confused with the original record.
- Employment details: employer name as recorded, ABN if available, dates worked and the periods in question.
- Pay records: the relevant payslips and any other documents that help explain the employment period.
- Fund records: statements or transaction details showing the entries you checked.
- Correspondence: questions asked, replies received and any payment or enquiry references.
This is an organising checklist, not a claim that every item is compulsory for every report. Supply the information the official service asks for. Where a detail is missing, describe the gap honestly and use the guidance to find out what to do next.
Ask a question payroll can answer
I am reviewing the super contributions for [pay period]. My payslips show [amount], but I cannot identify the corresponding entries in my fund records. Could you confirm the amount sent, payment date, destination fund and any payment reference so I can check with the fund?
Replace the bracketed text with your own verified details. If the amount is uncertain, say you need help reconciling it rather than entering a guess. Keep the message specific to the records; a clear question is more useful than a long account of unrelated workplace problems.
| What you know | What still needs checking |
|---|---|
| A payslip records a contribution. | Which receipt entry relates to that period? |
| Payroll says a payment was sent. | What date, fund and reference identify it? |
| The records show different amounts. | Are they for the same periods and contribution types? |
Use the official reporting route
On Moneysmart’s guide, find the section about what to do if super is not paid, then follow its ATO guidance or reporting link. Read the instructions before starting. Describe the issue in chronological order, separating confirmed details from information you are still waiting to receive.
If the service gives you a receipt or reference, keep it with your evidence pack. Record what you submitted and the date. If more information becomes available, follow the official instructions for providing an update rather than assuming a new submission is needed.
What to expect after taking action
Submitting a report is not an immediate payment approval. Investigation and recovery depend on the circumstances; this guide cannot predict the result or the time involved. Keep checking official messages and retain relevant records while the matter is being considered.
If your question changes during the review, give it its own note. For instance, not knowing which fund holds an old account is a different task from checking whether a known fund received a particular employer contribution. Keeping the two issues separate helps avoid sending a vague or misleading explanation.
For timing questions, Fair Work’s current super guidance explains the general 7-business-day rule and circumstances with a longer period. Follow the ATO’s instructions for your report rather than treating an online article as a decision about your individual entitlement.