Emergency Services & State (ESS) Superannuation

ESS Super logo

Emergency Services & State Super is a specialist super provider, providing super funds for members of Victoria’s state employees, emergency services members and their spouses.

Types of Emergency Services & State Super accounts

Emergency Services & State Super (ESSSuper) offer accumulation plans, defined benefit funds and retirement income streams. The exact types of fund you can apply to depend upon when and where you commenced employment with the Victorian public service. However, all state emergency service members can join the accumulation plan.

The accumulation plan offers you a choice of ten different investment options from which you can pick and mix. The available options are:

  • Shares only
  • High Growth
  • Growth
  • Balanced
  • Conservative
  • Defensive
  • Cash
  • Basic Growth
  • Ethically Minded
  • Term Deposits

There are a few benefits available to ESS members who have a super account, including:

  • Insurance in super available for death cover (life insurance), and total and permanent disability (TPD) cover
  • Easy online account access
  • Ethically focused investment options
  • Financial advice

At the time of writing (19/07/2018) ESSSuper’s accumulation plan charges annual fees based on your total balance. This includes an 0.58% investment fee, a 0.25% administration fee and a $52 annual administration charge. Between the two administration fees, you will never be charged more than a maximum of $1,500 per year, or $78 for emergency services employees and their spouses.

With this in mind, be sure to compare the annual fees charged by ESSSuper against the fees charged by other funds, keeping in mind that other funds with similar or higher fees may be providing additional products and services that ESSSuper does not.

Compare Super Funds

Eligibility to join Emergency Services & State Super

To apply for an Emergency Services & State Super fund, you must be able to satisfy the following criteria:

  • You must be an Australian resident
  • You must be over 18 years of age
  • You must be earning at least $450 before tax per month from an employer
  • Be a Victoria state employee, state emergency services member or the spouse of one

If you are under the age of 18, but earning more than $450 before tax per month, you must be working more than 30 hours per week to qualify for super.

How to join Emergency Services & State Super

Because you can only join ESS Super if you are a Victorian public service or emergency services employee, or the spouse of one, joining ESS is a bit different than the process with other super funds. Talk to your employer to find out more.

Be sure to compare super funds on the Canstar website and check our choosing a super fund checklist before signing up for a particular superannuation account.

Compare Super Funds

Emergency Services & State Super FAQs

Can I manage my Emergency Services & State Super account online?

Yes, Emergency Services & State Super has a dedicated online portal for super fund members. You can view your account balance online, access statements for your account, download super fund information and more.

How is my super invested with the Emergency Services & State Super?

Emergency Services & State Super provides a variety of investment options for you to choose from. You can choose to invest in one or a mix of options. The available investment options in the accumulation plan include:

  • Cash
  • Defensive
  • Conservative
  • Balanced
  • Growth
  • High Growth
  • Shares
  • Basic Growth
  • Ethically Minded
  • Term Deposit

When choosing an investment option, it is important to take into account your investment time frames and goals, and your personal risk tolerance for market fluctuations. Learn more about how to choose between different investment options on the Canstar website.

How do Emergency Services & State Super’s fees compare to other super funds?

The comparison table near the top of the page shows the total fee cost per year to have a super account with ESSSuper. Compare these fees to the average super fund fees on our database, as fees are an important consideration when selecting a fund.

Can I consolidate my super with the Emergency Services & State Super?

Yes, you can consolidate other super accounts into your Emergency Services & State Super account.

It’s important to check with your previous super funds for information regarding costs such as exit fees and insurance cover you may lose if you switch super funds.

About Emergency Services & State Super

Emergency Services & State Super is dedicated to providing superannuation products to Victorian emergency services employees, state employees and their spouses. They manage over $27 billion in assets for 134,000 individual members. Further, they provide retirement pensions to almost 55,000 people, making them Victoria’s second biggest payroll.

Compare Super Funds

Compare Superannuation Funds

If you’re considering outstanding value superannuation funds, check out the table below which displays a snapshot of 5-Star superannuation funds on Canstar for Australians aged 30-39, sorted by provider name (alphabetically).
Each tab below shows outstanding superannuation funds for corresponding superannuation balances.
Use Canstar’s superannuation comparison selector for a wider selection of super funds based on your individual circumstances.

“The Star Ratings in this table were awarded in March 2018. The search results do not include all providers and may not compare all features relevant to you. View the CANSTAR Superannuation Star Ratings Methodology and Report. These results are general advice only and not personal financial advice. Ratings are only one factor to take into account when deciding whether to make an investment. Consider the Product Disclosure Statement before making a purchase decision.”

“The Star Ratings in this table were awarded in March 2018. The search results do not include all providers and may not compare all features relevant to you. View the CANSTAR Superannuation Star Ratings Methodology and Report. These results are general advice only and not personal financial advice. Ratings are only one factor to take into account when deciding whether to make an investment. Consider the Product Disclosure Statement before making a purchase decision.”

“The Star Ratings in this table were awarded in March 2018. The search results do not include all providers and may not compare all features relevant to you. View the CANSTAR Superannuation Star Ratings Methodology and Report. These results are general advice only and not personal financial advice. Ratings are only one factor to take into account when deciding whether to make an investment. Consider the Product Disclosure Statement before making a purchase decision.”

Written by: Tim Smith | Last updated: July 27, 2018