Spouse accounts

Sharing is caring

As an ESSSuper member, your spouse is eligible to access to the same award-winning income streams^* and investment options that you do. Not to mention the strong, long-term performance^** we're known for, and some handy rebates.

Who is a spouse?

Your spouse is a person who:

• You're in a registered marriage with, or
• Lives with you in a genuine domestic relationship as a couple (e.g. de facto).

What products are available?

An eligible spouse can open these great products:

• Accumulation Plan
• Working Income Stream
• Retirement Income Stream

Refer to the relevant Product Disclosure Statement (PDS) for eligibility criteria.

Strong long-term performance^**

Our Investment options are designed to meet their return objectives with less return volatility, helping to protect your super balance during periods of market volatility.

Learn more

Award-winning products^*

As an ESSSuper member, your spouse gains exclusive access to our award-winning Accumulation Plan and Income Streams.

Learn more

Save on fees with our exclusive offer

You can both share the benefits of being in the ESSSuper family by referring your spouse or partner to join our exclusive, not-for-profit super fund.

Joining rebate
A spouse or partner joining our Accumulation Plan or Income Stream, will receive a rebate on the administration fees for the first year of joining^‡. This will be a rebate of $52 for the account keeping fee and the 0.20% of the account balance for the administration fee. On an account balance of $750,000, that's a saving of around $750 on fees!^§

Referral rebate
A member referring their spouse or partner to join, will also receive a rebate of $52 on the account-keeping fee for any Accumulation Plan or Income Stream account held in their name for a period of 12 months.^#

Considering a spouse account?

Before opening a new account, you should consider your personal objectives, financial situation, and needs. The relevant Product Disclosure Statement (PDS) can help you:

• Accumulation Plan
• Income Stream

To help build the future you want together, download a PDS or book an appointment with one of our helpful Member Education Consultants.

We're here to help

For more information about this exclusive offer, our expertise is always close at hand

Contact us

Emergency Services Superannuation Board ABN 28 161 296 741 (ESSB), the Trustee of the Emergency Services Superannuation Scheme ABN 85 894 637 037 (ESSSuper). The information contained on this web page is of a general nature only. It should not be considered as a substitute for reading the relevant ESSSuper Product Disclosure Statement (PDS) that contains detailed information about ESSSuper products, services and features. Before making a decision about an ESSSuper product, you should consider the appropriateness of the product to your personal objectives, financial situation and needs. It may also be beneficial to seek professional advice from a licensed financial planner or adviser. An ESSSuper PDS is available on our PDS and handbooks page or by contacting us.

^* In 2023, SuperRatings rated ESSSuper's Accumulation Plan as Platinum for 14 years in a row, and Income Streams as Platinum for 15 years in a row. Refer to our Awards web page for more information.

^** Investment returns cannot be guaranteed as investment markets can be volatile. As a consequence, returns can be positive or negative. Past investment performance is not a reliable indicator of future performance.

^† ESSSuper Financial Advisers are authorised representatives of Link Advice Pty Ltd (Link Advice). Link Advice holds a current Australian Financial Services Licence No. 258145 and is responsible for the financial services provided to you. ESSSuper has an arrangement with Link Advice Pty Ltd to provide financial advice to ESSSuper members. ESSSuper pays Link Advice a fee for this service. Neither the Board, nor the Victorian Government, guarantee or endorse any recommendations made by Link Advice, or are responsible for the advice and actions of Link Advice.

^‡ When an eligible spouse joins on or after 1 April 2020.

^§ Based on an account balance of $750,000 in an Income Stream account with a cap of $750 per financial year on total administration fees and costs.

^# Please refer to the Accumulation Plan or Income Stream Product Disclosure Statements (PDSs) available on our PDS and handbooks web page.

You should check any relevant exit fees you may incur, or any insurance arrangements that may be forfeited, or any other effects this transfer may have on your benefits, before rolling your money into our fund.

Benefits in ESSSuper's Accumulation Plan, Income Streams and Beneficiary Account products are not guaranteed or underwritten by the Victorian Government or ESSSuper, and ESSSuper does not come under the jurisdiction of the Australian Financial Complaints Authority. ESSSuper comes under the jurisdiction of the Victorian Civil and Administrative Tribunal.