當退休金開始重大變化時，退休時的工人可能會獲得6000美元的折扣

從2026年7月開始，將要求雇主在發薪日而不是季度支付養老金。

Major changes to superannuation to make it more "visible" and "meaningful" to workers and help them retire with an extra $6,000 in savings are set to kick in from July 1, 2026, but advocates are hoping the new parliament will pass the laws for the reforms in the first 100 days.

養老金的重大變化使其對工人更加“可見”和“有意義”，並幫助他們以額外的6,000美元的儲蓄退休，從2026年7月1日開始，但倡導者希望新的議會能夠在最初100天通過改革的法律。

The government last month released long-awaited draft legislation for the superannuation change, which was a key recommendation of the Productivity Commission and saw broad support from employers, employees and unions.

政府上個月發布了期待已久的養老金變更立法草案，這是生產力委員會的關鍵建議，並得到了雇主，僱員和工會的廣泛支持。

The reforms, first flagged by the government in May 2023, would see employers pay superannuation on payday rather than quarterly.

政府在2023年5月首次標記的改革將使雇主在發薪日而不是每季度支付退休金。

This change was set to benefit workers by ensuring they do not miss out on unpaid super, which the government said was currently an issue for 1.3 million workers and resulted in about $5 billion a year in lost retirement savings.

這一變化是通過確保他們不會錯過未付超級超級薪水來使工人受益的。

Passing the “landmark” legislation in the first 100 days would help plug this “unpaid super drain”, according to the Australian Chamber of Commerce and Industry (ACCI).

根據澳大利亞工商會（ACCI）的說法，在最初的100天通過“地標”立法將有助於填補這一“無償超級消耗”。

“Australian workers will have waited three years for these reforms. Millions of Australians pay the price of unpaid super every single day. They cannot afford any delay,” Super Members Council CEO Misha Schubert said.

超級成員理事會首席執行官米莎·舒伯特（Misha Schubert）表示：“澳大利亞工人將等待三年的改革。數百萬澳大利亞人每天都要支付無薪超級的代價。他們負擔不起任何延誤。”

“Payday super will dramatically reduce the level of unpaid super, improve compliance with the law and make the super system fairer for workers and businesses alike.”

“發薪日超級將大大降低無薪超級的水平，提高對法律的遵守，並使工人和企業的超級系統更加公平。”

The Australian Taxation Office (ATO), employers, payroll, digital service providers and super funds would also need to make a “concerted effort” to prepare for the reform.

澳大利亞稅收辦公室（ATO），雇主，工資單，數字服務提供商和超級資金也需要做出“協調一致的努力”，為改革做準備。

“[The government] recognises that the transition to CPS will require a significant effort from a range of stakeholders, including the Australian Taxation Office (ATO), employers, payroll, digital service providers and super funds,” the draft legislation read.

立法草案說：“ [政府]認識到，向CPS的過渡將需要一系列利益相關者的巨大努力，包括澳大利亞稅務局（ATO），雇主，工資單，數字服務提供商和超級資金。”

The Australian Small Business and Family Enterprises Organisation (ASIOBA) said the move would place a huge administrative burden on small businesses, especially as they would be required to process group contributions into the employee’s super fund within seven calendar days of payday.

澳大利亞小型企業和家庭企業組織（ASIOBA）表示，此舉將對小型企業造成巨大的行政負擔，尤其是因為他們將在發薪日的七個日曆日內將小組捐款處理為員工的超級基金。

“We are concerned about the administrative burden that CPS will place on small businesses, especially the requirement to process group contributions into the employee’s super fund within seven calendar days of payday,” COSBOA chair Matthew Addison said.

Cosboa主席Matthew Addison說：“我們擔心CPS將承擔小型企業的行政負擔，尤其是在發薪日的七個日曆日內對員工的超級基金進行處理的要求。”