# Salary Packaging. Employee Information Booklet

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1 For more copies please Salary Packaging Employee Information Booklet Managed by Visit today And view your salary package As at July 2009 FOR FAST, FRIENDLY SERVICE, CONTACT ADVANTAGE ON

4 2. How Does Salary Packaging Work? Judy earns \$30,472 per year. She has a fortnightly mortgage payment of \$400 and fortnightly school fees of \$100. She also has health insurance payments of \$300 per month. Judy may salary package all these items and wants to salary package the maximum of \$16,050 per year. Judy s annual expenses look like this: Advantage will: Mortgage \$ 400 x 26 = \$10,400 fully reimburse or pay direct School Fees \$ 100 x 26 = \$ 2,600 fully reimburse Health Insurance \$ 300 x 12 = \$ 3,600 part reimburse Total expenses \$16,600 To salary package the maximum amount, Judy needs to show evidence that she has at least \$16,050 in expenses annually. Judy s expenses easily exceed this amount. Remember, Judy pays all these expenses herself, and provides evidence to Advantage (i.e. a photocopy) that these expenses exist. The salary packaging money is a reimbursement of expenses and is paid into Judy s bank account as part of her normal pay. To get started, Advantage will total the value of expenses provided by Judy (up to a max. of \$16,050), calculate the fortnightly value of the expenses (e.g. \$16,050 / 26 pays = \$617.29), and this is the amount Judy salary packages. Let s see what happens pay day. What Happens on Pay Day? Before After Wages (gross) \$1,172 Wages (gross) \$ 1,172 unchanged Less: Salary Package (617.29) (\$16,050/26) pre tax Admin Fee ( 8.50) pre tax Wages taxed \$1,172 Wages - taxed \$ Tax (\$ Tax (\$ 3.59) Wages (net) \$ 1, Wages (net) \$ Paid Payroll Salary Package \$ Paid Advantage Total take home \$ 1, Total \$1, extra pay is \$95.48 As a result of salary packaging, Judy will now receive two payments each fortnight. The salary packaging money is paid into a bank account nominated by Judy (normally savings account). Once the two payments are added, this is Judy s new take-home pay (up \$95.48 a fortnight). Tax Return What Happens? At tax time Judy is no longer taxed on \$1,172 per fortnight (\$30,472 per year), but is taxed on only the amount after salary packaging, that is \$ a fortnight (\$14, per year). Judy s Payment Summary (was Group Certificate ) now shows her salary as only \$14, Hence, Judy is never taxed on the salary packaging money. Judy is delighted. E.W Tipping Foundation Salary Packaging 2

7 4. What Expenses can I Salary Package? The list of suggested expenses is below. The expenses may be in the employee s name, your partner s name or joint names. It does not matter any family expense is OK. It also does not matter who pays the expense. The list of expenses below is split into three categories. Why? The tax implications differ depending on the type of expense you salary package. Group 1 expenses do not include GST. These are the best expenses, as you can salary package a maximum of \$16,050 if all your expenses are chosen from Group 1. Hence, these expenses are highly recommended, as well as the Salary Packaging Card. Group 2 expenses have GST included. As a result, there are slightly different tax implications (Advantage will calculate this difference). From an employee s point of view, it is better to do Group 1 expenses before Group 2. So, once you have listed all your Group 1 expenses on the Expense Type form, if you are still short of the salary packaging limit, consider the salary packaging card. Otherwise, list as many Group 2 expenses up to the salary packaging limit. Group 1 Expenses - no GST max. \$16,050 per year if all expenses from Group 1 Home mortgage repayments (not rental properties) Personal loan or car loan repayments Rent Private health insurance (e.g. Medicare, HBA, MBF etc.) Educational fees (e.g. schools fees, prior year HELP/HECS payments) Rates (council rates and water) Credit Card payments (not your balance or credit limit) amount PAID Medical and dental expenses (net of any rebate / claim) Salary Packaging Card (a Visa card, issued by ANZ Bank. Details end of booklet) - NEW Group 2 Expenses include GST Top up Group 1 expenses with Group 2 (Groceries may only be salary packaged using a credit card or the Salary Packaging Card) Telephone, electricity or gas expenses (utilities) Car Expenses (e.g. servicing, repairs, maintenance, rego., CTP not petrol ) House repairs or maintenance (e.g. electrical, plumbing) Car or Home & Contents Insurance (e.g. NRMA, AAMI, RACV) Domestic travel and accommodation (e.g. airfares) Group 3 Exempt Fringe Benefits Some items are not subject to the limit. Therefore, you can salary package the following items in addition to Group 1 and 2 expenses. Discuss with Advantage if you need. Additional Superannuation (e.g. HESTA). Meal Entertainment (restaurant and café meals. Max \$200 a pay) Venue Hire (e.g. Holiday accommodation) Claim form available on Whatever expenses you salary package you must provide a copy of these expenses. E.W Tipping Foundation Salary Packaging 5

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18 Salary Packaging Agreement This Agreement between: And: ( The staff member ) E.W. Tipping Foundation ( The Employer the Foundation ) 1. The Foundation offers salary packaging and the staff member accepts the offer. 2. The staff member will provide satisfactory documentation as requested from time to time for payments by the Foundation. 3. The staff member has been advised to seek independent advice as to the full implications of salary packaging and the potential and actual personal impact of salary packaging and reportable fringe benefits. The staff member will not hold the Foundation liable for any loss and damages arising from this agreement. 4. The staff member acknowledges that they have read and understood all the information and condition contained in the Salary Packaging Information Booklet. 5. The Foundation: a. May discontinue this agreement and any salary packaging at any time on two weeks notice without providing any reason. b. Is not responsible for any loss or damage caused by way of discontinuance c. Is not responsible for any loss or damage caused by way of delayed or misdirected payments. 6. The staff member and the Foundation mutually agree that this agreement is valid under appropriate state and federal laws and that no part of this agreement violates any industrial award or agreement. If, subsequent to the commencement of this agreement, the agreement is found to violate the state or federal law or any industrial award agreement, then this agreement is terminated, and the Foundation may elect to offer a revised agreement. Agreed and Signed by Staff Member Signed: Date: Advantage Salary Packaging PO Box 8480 Armadale VIC 3143 Ph (03) Fax (03)

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