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Accessing super to pay!- odd question (Australia)

whisper43

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whisper43    45

whisper43
Posted

I have been on a massive fight the last 4 months to access my super to pay for some of my surgery.

I finally found out today I am eligible. However the wording the letter uses is terrible!!!

It states that I am eligible for $xxxxx (net charges and taxes) and I know it sounds silly but I'm not sure if that means that taxes and charges will be taken off that amount or if they have already been taken off.

(I am aware what net means but I was under the impression that my super company may have their own charges)

Can anyone help? I spent 45 mins on hold today to ask and ran out of time on the phone.

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WLSResources/ClothingExch    3,444

WLSResources/ClothingExch
Posted (edited)

Holding on for information is universal, then. Your super, of course, will be the most reliable source of info and I suggest you keep calling until you reach a person. (Get the names of all parties who handle your request.)

As a second choice, I'm asking another Aussie on the website to look at your question. I get the feeling that the medical benefits system and jargon may be just different enough from the U.S. system/jargon that attempting to answer you will cause more confusion.

P.S. Something to consider: If you don't have patience to stay on the phone, do you have patience to follow surgeon's instructions?

Edited by WLSResources/ClothingExch

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whisper43    45

whisper43
Posted

I appreciate the help.

Also I don't think I wrote that I ran out of patience. I ran out of TIME! I had to go to my second job. I'm working double so I can take an appropriate time off after the surgery.

I'm a little confused how you can compare waiting on hold 45 mins to following instructions.

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dietbelle    36

dietbelle
Posted

If it's in your super you probably have to pay 15% tax taking it out. you pay 15% tax putting your super into your superfund. It only becomes tax free i.e. Taking it out after 55 and then it's still limited until retirement age which I think is 65 still..

Other than this way is to go through the public hospital system but you will still have to pay for some I think.

Hope this helps..

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dietbelle    36

dietbelle
Posted

How are you? Did it go as well as expected? I must say I am a bit nervous but I am so over being unable to loose weight..

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Go To Topic Listing PRE-Operation Weight Loss Surgery Q&A

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    • Alisa_S

      Alisa_S

      On day 4 of the 2 week liquid pre-op diet. Surgery scheduled for June 11th.
      Soooo I am coming to a realization
      of something and I'm not sure what to do about it. For years the only thing I've enjoyed is eating. We rarely do anything or go anywhere and if we do it always includes food. Family comes over? Big family dinner! Go camping? Food! Take a short ride or trip? Food! Holiday? Food! Go out of town for a Dr appointment? Food! When we go to a new town we don't look for any attractions, we look for restaurants we haven't been to. Heck, I look forward to getting off work because that means it's almost supper time. Now that I'm drinking these pre-op shakes for breakfast, lunch, and supper I have nothing to look forward to.  And once I have surgery on June 11th it'll be more of the same shakes. Even after pureed stage, soft food stage, and finally regular food stage, it's going to be a drastic change for the rest of my life. I'm giving up the one thing that really brings me joy. Eating. How do you cope with that? What do you do to fill that void? Wow. Now I'm sad.
      · 0 replies
      1. This update has no replies.
    • Alisa_S

      Alisa_S

      On day 4 of the 2 week liquid pre-op diet. Surgery scheduled for June 11th.
      Soooo I am coming to a realization
      of something and I'm not sure what to do about it. For years the only thing I've enjoyed is eating. We rarely do anything or go anywhere and if we do it always includes food. Family comes over? Big family dinner! Go camping? Food! Take a short ride or trip? Food! Holiday? Food! Go out of town for a Dr appointment? Food! When we go to a new town we don't look for any attractions, we look for restaurants we haven't been to. Heck, I look forward to getting off work because that means it's almost supper time. Now that I'm drinking these pre-op shakes for breakfast, lunch, and supper I have nothing to look forward to.  And once I have surgery on June 11th it'll be more of the same shakes. Even after pureed stage, soft food stage, and finally regular food stage, it's going to be a drastic change for the rest of my life. I'm giving up the one thing that really brings me joy. Eating. How do you cope with that? What do you do to fill that void? Wow. Now I'm sad.
      · 1 reply
      1. summerseeker

        summerseeker

        Life as a big person had limited my life to what I knew I could manage to do each day. That was eat. I hadn't anything else to look forward to. So my eating choices were the best I could dream up. I planned the cooking in managable lots in my head and filled my day with and around it.

        Now I have a whole new big, bigger, biggest, best days ever. I am out there with those skinny people doing stuff i could never have dreamt of. Food is now an after thought. It doesn't consume my day. I still enjoy the good home cooked food but I eat smaller portions. I leave food on my plate when I am full. I can no longer hear my mother's voice saying eat it all up, ther are starving children in Africa who would want that!

        I still cook for family feasts, I love cooking. I still do holidays but I have changed from the All inclusive drinking and eating everything everyday kind to Self catering accommodation. This gives me the choice of cooking or eating out as I choose. I rarely drink anymore as I usually travel alone now and I feel I need to keep aware of my surroundings.

        I don't know at what point my life expanded, was it when I lost 100 pounds? Was it when I left my walking stick at home ? Was it when I said yes to an outing instead of finding an excuse to stay home ? i look back at my last five years and wonder how loosing weight has made such a difference. Be ready to amaze yourself.

        BTW, the liquid diet sucks, one more day and you are over the worst. You can do it.

    • CaseyP1011

      CaseyP1011

      Officially here for a long time, not just a good time💪
      · 0 replies
      1. This update has no replies.
    • KimBaxleyWilson

      KimBaxleyWilson

      Three months and four days ago... I was in Costa Rica having a life changing surgery! Yesterday we had a followup visit with Dr. Esmeral via video chat and this morning my middle number changed.  I'm down 47lbs and two pants sizes. I can wear a Large tshirt for the first time in like... 14 years! Woot!! Everything is going great. I have zero regrets. I went down to the riverwalk with a friend and walked 2 miles on Monday without even getting fatigued. And no more snoring or chugging pickle juice for crazy leg cramps! I need to go to the gym more... I'm making new shirts next week so that will motivate me. LOL But I'm also just not as TIRED all the time! I have a LONG way to go...but seeing the progress on the scales and in the mirror is a huge motivator!! Thank you all for cheering me on and supporting me!!
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    • bellaamey

      bellaamey

      https://alluniqueguide.com/java-burn-coffee-reviews/
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