Are your people Transport Ready?

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More people in transport are finding out the hard way that the insurance provided by many super funds doesn’t cover many transport occupations.

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Your new starters and current staff may not be protected

From 1 November 2021, ‘Stapling’ of super commenced, a new default system where super follows employees from job-to-job under the new ‘stapling’ rules.

The downside of this change is that people entering the transport industry may be stapled to super funds that don’t cover ‘dangerous occupations’ and end up paying for insurance they can’t use.

A number of jobs in transport are deemed ‘dangerous occupations’ for insurance purposes. Therefore, some of your employees may not be covered by the insurance they’re paying for through their super. Commonly excluded occupations include many roles in the transport industry, including truck drivers, warehousing, forklift drivers, mechanics, bus drivers and aviation staff.

Members of TWUSUPER are protected whatever job they do in transport – our insurance doesn’t exclude any occupation.

New starters who wish to stay with TWUSUPER or join TWUSUPER can use the pre-filled Choice of Fund form in the link below.

Pre-filled Choice of Fund form (PDF)

Online Choice of Fund form – TWUSUPER

Why is fit-for-purpose insurance is so important?

Frequently asked questions

  • What is stapling?

    'Stapling' refers to the new legislation that applies from 1 November 2021. From this date all new employees must be paid super to their ‘stapled’ fund by the ATO. However, if an employee makes a choice of fund then there is no need to go through the ATO.

  • How do I find an employee’s stapled fund?
    The ATO will release a search function for businesses to help them locate a new employees ‘stapled’ fund if they don't know which super fund was their main account or the one they wish contributions to be paid into. TWUSUPER will advise employers once this is available.
  • Our company has a default fund. Does this still apply?

    Yes, default funds still exist. If a new employee has no existing super Fund and does not make a choice, they can be paid super into the default fund. It must be a complying fund with a default balanced (MySuper) option – such as TWUSUPER. The default fund system ensures there is always somewhere compliant to pay super so employers can always act lawfully.

  • Will TWUSUPER still be able to offer super education services?

    Yes. Contact your local Account Manager to find out more.

    Find your Account Manager

Helpful Tools

Why choose TWUSUPER (PDF)


Employee onboarding

More info

Choosing a default fund

More info

Online choice form - TWUSUPER

More info

Pre-filled choice form - TWUSUPER (PDF)


ATO Choice of Fund form (PDF)


TWUSUPER fund details

Join TWUSUPER online in 5 minutes

If new employees or contractors want to join TWUSUPER, they can do so quickly through our online form.


Need a hand?

If you have any questions, please call us between 8am and 8pm (AEST/AEDT) weekdays on 1800 222 071.

To request a site visit please contact your local Account Manager or use the online form.

*  DISCLAIMER: Past performance is not a reliable indicator of future performance and should never be the sole factor considered when selecting a fund.

TWUSUPER has on average outperformed the average retail fund over the past 15 years. Comparisons modelled by SuperRatings, commissioned by TWUSUPER and shows average differences in net benefit of TWUSUPER's balanced investment option and the 'main Balanced option' of retail funds tracked by SuperRatings, with a 5 (99 options), 10 (44 options) and 15 (33 options) year performance history, taking into account historical earnings and fees – excluding contribution, entry, exit and additional advisor fees – of 'main Balanced options'. A ‘main Balanced option’ being the fund’s largest Balanced option where 60% to 76% of the fund’s assets are invested in growth investments. This is generally the fund’s default option. Where a fund does not have a Balanced option, the option closest to SuperRatings benchmark range of 60% to 76% growth investments is used. Outcomes vary between individual funds. Modelling performed on 14 October 2021 using data as at 30 June 2021. See Assumptions for more details about modelling calculations and assumptions. Consider your personal financial situation, needs and objectives, which are not taken into account in this information, and the TWUSUPER Product Disclosure Statement (PDS) available at before making an investment decision. TWU Nominees Pty Ltd, ABN 67 002 835 412, Australian Financial Services Licence 239163 ('TWUSUPER') as trustee of the TWU Superannuation Fund (ABN 77 343 563 307).