CareSuper and MIESF merger

CareSuper is an Industry SuperFund that’s run only to benefit our members, not shareholders, this means more money for your retirement. 

There’s plenty of other benefits, including:

• A much bigger range of investment options to suit your individual needs, with the ability to switch more than twice a year. You can generally request investment switches as often as daily, but be aware that frequent switches can work against you. 
• Access to financial advice to help you build your superannuation and prepare for retirement. CareSuper offers three levels of financial advice, with advice solely regarding your super or retirement income account available at no extra cost. It’s included as part of your membership. We also offer advice about your broader financial situation outside of super or more complex advice like trusts and estate planning. Whatever your advice needs, we’ve got you covered.
• CareSuper will continue to apply a dangerous occupation exception to MIESF members who are transferred to CareSuper with insurance cover. This allows us to provide default cover to members who we consider to be in a dangerous occupation, even if you’re under age 25 or have less than $6,000 in your account.
• Binding death benefit nominations, where you can choose (or nominate) who inherits your super. Find out more about nominating beneficiaries. 
• Super education and support with our education hub, online tools and calculators and events and webinars.
• Online access to your account in Member Online and a mobile app for both iOS and Android devices so you can monitor and manage your super anywhere, anytime. 
• MetLife 360Health - virtual access to professional health and medical services through MetLife 360Health for you and your family at no extra cost to you. 360Health services include mental health support, expert medical opinion, nutrition support, fitness and recovery support, and menopause support. Find out more.
• Discounts on health insurance. Find out more.

 

The superannuation sector has been consolidating for many years and in order for smaller funds like MIESF to continue to provide exceptional service to members, along with competitive fees, they needed to find a suitable merger partner. For CareSuper, merging is an important part of our growth strategy.  We share a focus on putting members first and believe merging will provide long-term, sustainable outcomes for all members now and into the future.

Superannuation funds can merge by going through a process called a successor fund transfer (SFT). This process is highly regulated by the Australian Prudential Regulation Authority (APRA) and involves transferring member’s accounts and their benefits from one fund (the transferor) to another fund (the transferee).   

An SFT does not require the individual consent of each member. However, it does require two tests to be met before it can proceed:   

• Members’ Best Financial Interests: The funds must assess that the transfer is in the best financial interests of its beneficiaries (the members).   
• Equivalent Rights: The funds must ensure that members’ rights will remain equivalent (but not necessarily identical) after the transfer.   

In this case, MIESF was the transferor, which means MIESF members were transferred to CareSuper.  

Yes, your new member number will be included in your welcome pack from CareSuper, which will be sent in early November 2025.  

Now that you’re a CareSuper member you can contact us.

Follow the steps below to set up Member Online access.

If you had already provided MIESF with your email address you can go straight to step 3.

1. Provide your email here.
2. Wait for us to send you a confirmation email letting you know that we’ve updated your details. This could take a few days.
3. Visit us at caresuper.com.au/register-now to set up your password for Member Online. You’ll need to use the same email as the one you gave us in step 1.

You can view your balance, personal details and any insurance you have. You can also make an investment switch or nominate beneficiaries. If you have a retirement income account you can also update your income payments and generate Centrelink income schedules. Find out more about Member Online.

MIESF sent these to members in August. If you have not received your significant event notice, it’s available in the Governance section of our website. Alternatively, you can call us on 1800 005 166 and we can send you a copy.  

Please call 1800 005 166 to book in to speak with a Financial Adviser. You can also read more about our financial advice services.  

Yes, CareSuper is an Industry SuperFund with our focus being on building retirement confidence for our members. We remain a fund that is big enough to make a difference and small enough to care.

The details of your insurance were included in your welcome pack that was sent in November 2025. You can read more about Category D cover (which is for members who work in the meat industry).

The superannuation sector has been consolidating for many years and in order for smaller funds like MIESF to continue to provide exceptional service to members, along with competitive fees, they needed to find a suitable merger partner. For CareSuper, merging is an important part of our growth strategy. We share a focus on putting members first and believe merging will provide strong long-term returns¹ for all members now and into the future.

Superannuation funds can merge by going through a process called a successor fund transfer (SFT). This process is highly regulated by the Australian Prudential Regulation Authority (APRA) and involves transferring member’s accounts and their benefits from one fund (the transferor) to another fund (the transferee).  

An SFT does not require the individual consent of each member. However, it does require two tests to be met before it can proceed:  

• Members’ Best Financial Interests: The funds must assess that the transfer is in the best financial interests of its beneficiaries (the members).  
• Equivalent Rights: The funds must ensure that members’ rights will remain equivalent (but not necessarily identical) after the transfer.  

In this case, MIESF was the transferor, which means MIESF members were transferred to CareSuper.  

What will happen to contributions paid using the old MIESF USI and ABN?  

The MIESF USI 17 317 520 544 000 and ABN 17 317 520 544 closed at 11.59pm on 19 September 2025. Contributions received after this date (from 20 September) will be rejected and returned to you. You will need to make the payment again from 1 October 2025 using the new CareSuper USI MTA0100AU and ABN 74 559 365 913.  

Please be aware that the late SG payments may result in the super guarantee charge (SGC).  

If you require an updated Compliance Statement, you can download it anytime at caresuper.com.au/compliance-statement. This document confirms CareSuper’s compliance status and is often requested for audit or payroll purposes.

Yes. Through our provider Westpac, CareSuper offers QuickSuper, where employers can submit and make payments online. You can use QuickSuper at no cost to you, it’s secure, hassle-free and designed to save you time.² To get started with QuickSuper, you can simply complete the online application or call CareSuper on 1800 005 166.  

Employers currently using SuperChoice³ will have the following options:

• Continue using SuperChoice
• Switch to QuickSuper, a clearing house used by CareSuper, which is free of charge for employers2
• Choose another clearing house provider independently

CareSuper will support employers to transition smoothly, including assistance with offboarding from SuperChoice and onboarding to QuickSuper if you choose to switch. To get started with QuickSuper, you can simply complete the online application or call CareSuper on 1800 005 166. At no cost to you, it’s secure, hassle-free and designed to save you time.

We do not accept EFT, BPAY® or cheque for employee contribution payments. You will need to submit your payments via a SuperStream compliant solution. 

Through our provider Westpac, we offer QuickSuper, where employers can submit and pay all payments online. It’s secure, hassle-free and designed to save you time.² To get started with QuickSuper simply complete the online application or call CareSuper on 1800 005 166. 

A Significant Event Notice (SEN) with all the details about the merger changes was sent to members from 15 August 2025 via post from MIESF. In November 2025, your employees were also sent a welcome pack from CareSuper.

Your employees can use our accessibility tool on our website. It translates our website into over 40 different languages.

You can share the instructions below with them.

How to use the accessibility tool – 3 easy steps 

1. Look for this icon  in the bottom left corner of our website. 
2. Select your language 
3. Explore the accessibility features 

Interpreter services are also available

Your employees can use the Translating and Interpreting Service (TIS National) by calling 131 450 to pre-book a phone interpreter or by visiting their website at www.tisnational.gov.au. This service is provided at no extra cost.

Yes. You can contact one of our dedicated Employer Relationship Managers or call us on 1800 005 166 to organise a workplace visit.
If you would like more information about partnering with CareSuper as a default fund, then request a call back via the Partner with CareSuper form. 

For employees whose first language isn’t English, they can use the Translating and Interpreting Service (TIS National) by calling 131 450 to pre-book a phone interpreter or by visiting the link below. This service is provided at no extra cost. 

Visit the TIS National website

All over Australia. All industries. All sizes. We’re the fund that cares about you, your business, and your employees—supporting you every super step of the way. If you need help to make this transition as smooth as possible for you and your employees, contact one of our Employer Relationship Managers or call us on 1800 005 166, from 8am to 7pm (AEST), Monday to Friday.

_¹Chant West Super Fund Performance Survey, June 2025, MySuper – Growth (61% - 80%). Net returns for periods to 30 June 2025. Past performance isn’t a reliable indicator of future performance. The value of investments can rise or fall, and investment returns can be positive or negative. 

_{²QuickSuper is issued by Westpac Banking Corporation (ABN 33 007 457 141, AFSL 233714). An offer to issue this product may be made to you by Westpac, subject to completion of the application process. The Product Disclosure Statement (PDS) for QuickSuper is available on the Westpac website. You should consider the PDS before deciding to accept any offer made by Westpac to issue the product.}

_{³The super clearing house is provided by SuperChoice Services Pty Limited (“SuperChoice”) (ABN 78 109 509 739), Authorised Representative (Number 336522) of PayClear Services Pty Limited (ABN 93 124 852 320) holder of Australian Financial Services Licence Number 314357. You should consider the SuperChoice Combined Financial Services Guide (FSG) and Product Disclosure Statement (PDS) before deciding to accept the Financia Product being offered by SuperChoice.}

_{®Registered to BPAY Pty Ltd ABN 69 079 137 518.}