当退休金开始重大变化时，退休时的工人可能会获得6000美元的折扣

从2026年7月开始，将要求雇主在发薪日而不是季度支付养老金。

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.

养老金的重大变化使其对工人更加“可见”和“有意义”，并帮助他们以额外的6,000美元的储蓄退休，从2026年7月1日开始，但倡导者希望新的议会能够在最初100天通过改革的法律。

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.

政府上个月发布了期待已久的养老金变更立法草案，这是生产力委员会的关键建议，并得到了雇主，雇员和工会的广泛支持。

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月首次标记的改革将使雇主在发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.

这一变化是通过确保他们不会错过未付超级超级薪水来使工人受益的。

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).

根据澳大利亚工商会（ACCI）的说法，在最初的100天通过“地标”立法将有助于填补这一“无偿超级消耗”。

“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.

超级成员理事会首席执行官米莎·舒伯特（Misha Schubert）表示：“澳大利亚工人将等待三年的改革。数百万澳大利亚人每天都要支付无薪超级的代价。他们负担不起任何延误。”

“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.”

“发薪日超级将大大降低无薪超级的水平，提高对法律的遵守，并使工人和企业的超级系统更加公平。”

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.

澳大利亚税收办公室（ATO），雇主，工资单，数字服务提供商和超级资金也需要做出“协调一致的努力”，为改革做准备。

“[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.

立法草案说：“ [政府]认识到，向CPS的过渡将需要一系列利益相关者的巨大努力，包括澳大利亚税务局（ATO），雇主，工资单，数字服务提供商和超级资金。”

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.

澳大利亚小型企业和家庭企业组织（ASIOBA）表示，此举将对小型企业造成巨大的行政负担，尤其是因为他们将在发薪日的七个日历日内将小组捐款处理为员工的超级基金。

“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说：“我们担心CPS将承担小型企业的行政负担，尤其是在发薪日的七个日历日内对员工的超级基金进行处理的要求。”