{"id":"nsw:sl-1989-0425","name":"State Authorities Superannuation (State Public Service Superannuation Scheme Transfer) (Savings and Transitional) Regulation 1989","slug":"state-authorities-superannuation-state-public-service-superannuation-scheme-transfer-savings-and-tra","collection":"regulation","jurisdiction":"nsw","status":"in_force","isInForce":true,"actNumber":"425 of 1989","makingDate":null,"administeringDepartment":null,"currentVersion":{"id":180794,"registerId":"nsw-nsw:sl-1989-0425-current","compilationNumber":null,"startDate":"2026-04-05","status":"InForce","reasons":null,"registeredAt":null},"sections":[{"sectionNumber":"1","sectionType":"section","heading":"Name of Regulation","content":"#### 1 Name of Regulation\n\n1 Name of Regulation\n\n> This Regulation may be cited as the [State Authorities Superannuation (State Public Service Superannuation Scheme Transfer) (Savings and Transitional) Regulation 1989](/view/html/inforce/current/sl-1989-0425).\n> \n> **cl 1:** Am 25.8.1995.","sortOrder":0},{"sectionNumber":"2","sectionType":"section","heading":"Commencement","content":"#### 2 Commencement\n\n2 Commencement\n\n> This Regulation is to be taken to have commenced on 1 April 1989.","sortOrder":1},{"sectionNumber":"3","sectionType":"section","heading":"Definitions","content":"#### 3 Definitions\n\n3 Definitions\n\n> In this Regulation:\n> \n> Board means the State Authorities Superannuation Board constituted by the [Superannuation Administration Act 1987](/view/pdf/asmade/act-1987-210).\n> \n> current Act means the [State Authorities Superannuation Act 1987](/view/html/inforce/current/act-1987-211).\n> \n> current Fund means the State Authorities Superannuation Fund established under the current Act.\n> \n> earlier Act means the [State Public Service Superannuation Act 1985](/view/html/inforce/current/act-1985-045).\n> \n> earlier Fund means the State Public Service Superannuation Fund established in accordance with the earlier Act.\n> \n> final salary has the same meaning as it has in section 36 of the current Act (definitions).\n> \n> transferred contributor means a person who has become a contributor in accordance with this Regulation.","sortOrder":2},{"sectionNumber":"4","sectionType":"section","heading":"Transfer of contributors under earlier Act","content":"#### 4 Transfer of contributors under earlier Act\n\n4 Transfer of contributors under earlier Act\n\n> > (1) An employee who, immediately before 1 April 1989, was a contributor to the earlier Fund is to be taken to have made an election under section 19 (1) of the current Act (election to contribute to the Fund), effective on that date, to contribute to the current Fund.\n> \n> > (2) For the purposes of subclause (1), section 19 of the current Act is to be read as if subsections (2), (3), (4), (6) and (7) of that section were omitted.\n> \n> > (3) If an employee has become a contributor in accordance with an election taken to have been made under section 19 (1) of the current Act:\n> > \n> > > (a) the employee ceases to be a contributor to the earlier Fund, and\n> > \n> > > (b) a benefit under the earlier Act is not payable to or in relation to the contributor.\n> \n> > (4) An application under section 20 of the current Act (additional benefit) may, subject to that section, be made at any time by an employee who has become a contributor in accordance with this clause.","sortOrder":3},{"sectionNumber":"5","sectionType":"section","heading":"Transferred contributors","content":"#### 5 Transferred contributors\n\n5 Transferred contributors\n\n> > (1) If a transferred contributor was, immediately before 1 April 1989, covered for the supplementary benefit in accordance with section 13 of the earlier Act (supplementary benefit), that contributor:\n> > \n> > > (a) is taken to be covered for the additional benefit under the current Act, and\n> > \n> > > (b) is required to pay the additional benefit levy as provided by section 22 (2) of the current Act (approval of application) as if that contributor had lodged with the Board an application under section 20 of the current Act (additional benefit) and that application had been approved by the Board.\n> \n> > (2) If, immediately before 1 April 1989, any allowances or other kinds of remuneration were treated as salary for the purposes of the earlier Act in relation to a transferred contributor, they continue to be treated as salary for the purposes of the current Act, but only as regards that contributor.","sortOrder":4},{"sectionNumber":"6","sectionType":"section","heading":"Amalgamation of the Fund","content":"#### 6 Amalgamation of the Fund\n\n6 Amalgamation of the Fund\n\n> > (1) On 1 April 1989, the earlier Fund is to be taken to have been amalgamated with and to have become part of the current Fund.\n> \n> > (2) The balance standing to the credit of each account or reserve forming part of the earlier Fund on 31 March 1989 is, on 1 April 1989, to be taken to have been transferred to the corresponding account or reserve in the current Fund.","sortOrder":5},{"sectionNumber":"7","sectionType":"section","heading":"Transferred accounts and reserves","content":"#### 7 Transferred accounts and reserves\n\n7 Transferred accounts and reserves\n\n> A contributor’s account required by section 12 (1) of the current Act (contributors’ accounts) in respect of a transferred contributor must be established with a credit balance equal to the balance at credit on 31 March 1989 in the account that had been established under section 9 (2) of the earlier Act (certain accounts to be kept) in respect of that contributor.","sortOrder":6},{"sectionNumber":"8","sectionType":"section","heading":"Application of certain definitions to transferred contributor","content":"#### 8 Application of certain definitions to transferred contributor\n\n8 Application of certain definitions to transferred contributor\n\n> > (1) For the purpose of applying the definition of accrued benefit points in section 36 of the current Act (definitions) to a transferred contributor, that definition is to be read as if the reference in it to contributed points figures included a reference to the total of the contributed points figures calculated in relation to that contributor under the earlier Act on 31 March 1989.\n> \n> > (2) For the purpose of applying the definition of contributed points figure in section 36 of the current Act (definitions) to a transferred contributor, that definition is to be read as if the reference in that definition to applicable contribution periods included a reference to applicable superannuation periods as defined by section 25 of the earlier Act (definitions).\n> \n> > (3) For the purpose of applying the definition of early retirement age in section 3 (1) of the current Act (definitions) to a transferred contributor, the age of 55 years is prescribed.\n> \n> > (4) For the purpose of applying the current Act to a transferred contributor, such a contributor’s entry date is, subject to subclause (5), to be taken to be the date that was regarded as the entry date applicable to the transferred contributor under the earlier Act.\n> \n> > (5) For the purpose of applying the definition of final average salary in section 36 of the current Act (definitions) to a transferred contributor, that definition is to be read as if the transferred contributor had become a new contributor on 1 April 1989.\n> \n> > (6) For the purpose of applying the definition of maximum benefit points in section 36 of the current Act (definitions) to a transferred contributor, a reference to the number 180 in paragraph (a) of that definition:\n> > \n> > > (a) in respect of a transferred contributor aged 55 years or less, is to be taken to be a reference to the number 162, and\n> > \n> > > (b) in respect of a transferred contributor aged more than 55 years but less than 58 years, is to be taken to be a reference to the number calculated in accordance with the following formula:\n> > > \n> > > ![](/image/((Type%3D%22subordleg%22)%20AND%20(No%3D0425)%20AND%20(Year%3D1989)%20AND%20(%22Historical%20Document%22%3D0))/g1.gif)  \n> > > where:\n> > > \n> > > Z represents the sum of the salary ratios for the transferred contributor in respect of each applicable contribution period for the transferred contributor occurring since reaching 55 years of age, and\n> > > \n> > > N represents the number of contribution periods in a year.\n> \n> **cl 8:** Am 12.7.1991.","sortOrder":7},{"sectionNumber":"9","sectionType":"section","heading":"Employer-financed benefits for transferred contributors","content":"#### 9 Employer-financed benefits for transferred contributors\n\n9 Employer-financed benefits for transferred contributors\n\n> If:\n> \n> > (a) in any case an employer-financed benefit is payable to or in respect of a transferred contributor, and\n> \n> > (b) provision is made in the current Act for that benefit to be calculated utilising the multiple 0.025,\n> \n> the multiple 0.03 is, on and from 1 April 1989, to be substituted for that multiple, except in relation to a benefit provided by section 41 of the current Act (benefit on resignation, dismissal or discharge before early retirement age).","sortOrder":8},{"sectionNumber":"10","sectionType":"section","heading":"Qualifying period for retrenchment benefit for transferred contributor","content":"#### 10 Qualifying period for retrenchment benefit for transferred contributor\n\n10 Qualifying period for retrenchment benefit for transferred contributor\n\n> > (1) This clause applies to a transferred contributor who:\n> > \n> > > (a) was a contributor to the earlier Fund and the Public Authorities Superannuation Fund for a continuous period, and\n> > \n> > > (b) was a person required by the [Public Authorities Superannuation Act 1985](/view/html/inforce/current/act-1985-041) to make provision for a preserved benefit under that Act in respect of employment by an employer within the meaning of that Act on becoming a contributor to the earlier Fund.\n> \n> > (2) In ascertaining the entitlement of a transferred contributor referred to in subclause (1) to a benefit under section 42 of the current Act (benefit on retrenchment before early retirement age) which is subject to the contributor’s satisfying a requirement as to the duration of the period that has elapsed from the contributor’s entry date to his or her date of exit, the period is to be taken to include any period during which he or she was a contributor to the Public Authorities Superannuation Fund.","sortOrder":9},{"sectionNumber":"11","sectionType":"section","heading":"Payment on retrenchment of a benefit preserved under the Public Authorities Superannuation Act 1985","content":"#### 11 Payment on retrenchment of a benefit preserved under the Public Authorities Superannuation Act 1985\n\n11 Payment on retrenchment of a benefit preserved under the [Public Authorities Superannuation Act 1985](/view/html/inforce/current/act-1985-041)\n\n> For the purpose of establishing the entitlement of a transferred contributor referred to in clause 10 to payment out of a preserved benefit under section 32 of the [Public Authorities Superannuation Act 1985](/view/html/inforce/current/act-1985-041) (preserved benefit), a reference in subsection (3) of that section to the earlier Fund is to be read as a reference to the current Fund.","sortOrder":10}],"analysis":{"flash_summary_failed":{"failed":true,"reason":"Unauthenticated. Configure AI_GATEWAY_API_KEY or use a provider module. Learn more: https://ai-sdk.dev/unauthenticated-ai-gateway","source":"analysis-cron"},"summary":{"complexity_score":4,"scope_assessment":{"changed":false,"description":"The regulation appears to have stayed true to its original purpose: managing the administrative and legal transition of NSW public servants between two superannuation schemes. The 1995 renaming (adding 'Savings and Transitional' to the title) likely reflects a clarifying amendment rather than any change in substantive scope. There is no evidence from the available text that the regulation was expanded or repurposed beyond its original intent."},"complexity_factors":["Operates across two interacting superannuation schemes, requiring understanding of both to fully interpret","Involves specialised superannuation and public sector employment law terminology","Distinction between 'savings' and 'transitional' provisions adds structural layers","Historical legislation — original context (1989 transfer event) requires background knowledge to understand purpose","Amended/renamed in 1995, meaning the regulatory history has at least two versions to track","Limited publicly available text in this extract makes full analysis impossible — actual operative provisions are not shown"],"plain_english_summary":"This 1989 NSW regulation governed moving members of the State Public Service Superannuation Scheme into the State Authorities Superannuation Scheme. It protected accrued rights and set transitional rules on membership, contributions and benefits during the transfer. It primarily affected affected public servants and fund administrators; its practical effect was historical."},"issue_detection":{"absurdities":[],"contradictions":[]},"kimi_summary":{"content_quality":"ok","complexity_score":6,"scope_assessment":{"changed":false,"description":"The regulation remains tightly focused on its original purpose: facilitating the 1989 transfer of contributors and funds between the two specified superannuation schemes. The amendments noted (1991 and 1995) appear to be technical adjustments rather than scope expansion."},"complexity_factors":["Multiple interacting legislative schemes: requires understanding of the 1985 State Public Service Superannuation Act, the 1987 State Authorities Superannuation Act, and the 1985 Public Authorities Superannuation Act simultaneously","Mathematical formula in clause 8(6)(b) for calculating adjusted maximum benefit points for contributors aged 55-58","Nested conditional logic: clause 8 contains 6 subclauses with multiple sub-subclauses modifying definitions from the principal Act","Deemed elections and counterfactual readings: clauses 4 and 5 require reading the current Act 'as if' certain subsections were omitted or applications had been made","Cross-references to undefined terms: relies on definitions from three separate Acts not reproduced in the regulation","Savings and transitional mechanics: creates parallel calculation methods for 'transferred contributors' versus new contributors under the current Act"],"plain_english_summary":"This regulation handles the messy business of merging two government superannuation (pension) schemes in New South Wales back in 1989. \n\n**What it does:**\n- **Moves people automatically:** If you were paying into the old State Public Service Superannuation Fund before 1 April 1989, this regulation automatically shifted you into the new State Authorities Superannuation Fund on that date—no paperwork required.\n- **Protects your money:** Your account balance, contribution history, and any special benefits (like the 'supplementary benefit') transferred across to the new scheme.\n- **Merges the funds:** The old fund legally became part of the new fund on 1 April 1989.\n- **Fixes technical calculations:** It tweaks how benefits are calculated for transferred members so they don't lose out—for example, using a more generous calculation multiple (0.03 instead of 0.025) for employer-financed benefits, and adjusting how 'maximum benefit points' work for older workers.\n- **Handles edge cases:** It deals with people who had benefits preserved in yet another fund (the Public Authorities Superannuation Fund) and ensures their service counts toward retrenchment benefits.\n\n**Who it affects:**\n- Public servants who were contributing to the old 1985 scheme before April 1989.\n- The State Authorities Superannuation Board (the administrators).\n- Government employers who had to adjust their payroll and reporting.\n\n**Why it matters:**\nWithout this regulation, thousands of public servants would have faced gaps in their superannuation records, lost benefits, or complicated paperwork to manually transfer between schemes. It ensured a seamless transition while preserving (and in some cases improving) their retirement benefits."},"flash_summary":{"complexity_score":5,"scope_assessment":{"changed":true,"description":"Yes. The regulation shifts coverage and governance for affected members from the earlier Fund to the current Fund by treating the earlier Fund as amalgamated into the current Fund, transferring account balances and prescribing how the current Act’s definitions and benefit calculations apply to transferred contributors (including special age-based adjustments and an amended employer-financed multiplier). It also preserves certain qualifying periods and preserved benefit entitlements by referencing other superannuation statutes, so membership and administering rules for those employees change from 1 April 1989."},"complexity_factors":["Multiple cross-references to two principal Acts (State Authorities Superannuation Act 1987 and State Public Service Superannuation Act 1985) and specific sections within them","Transitional treatment of many technical definitions (accrued benefit points, contributed points figure, final average salary, entry date, maximum benefit points)","Age-contingent numeric adjustments and a formula for part-year/age-based maximum benefit points","Conversion of account and reserve balances across funds and mapping of earlier accounts to current Fund accounts","Adjustments to employer-financed benefit multiplier (substitution of 0.03 for 0.025) with a carved-out exception","Interaction with a third fund (Public Authorities Superannuation Fund) for qualifying periods and preserved benefits","Retroactive effective date (taken to have commenced 1 April 1989) which requires historical application of rules"],"plain_english_summary":"This regulation transfers employees who were members of the State Public Service Superannuation Fund into the State Authorities Superannuation Fund as of 1 April 1989, and treats the earlier Fund as amalgamated into the current Fund. It sets how transferred contributors’ accounts, benefit calculations, contribution points, entry dates, retrenchment qualifications and certain employer-funded multipliers are to be carried across or adjusted, affecting former members, their employers (through levies and benefit calculations) and the administering Board."}},"importantCases":[],"_links":{"self":"/api/acts/state-authorities-superannuation-state-public-service-superannuation-scheme-transfer-savings-and-tra","history":"/api/acts/state-authorities-superannuation-state-public-service-superannuation-scheme-transfer-savings-and-tra/history","analysis":"/api/acts/state-authorities-superannuation-state-public-service-superannuation-scheme-transfer-savings-and-tra/analysis","conflicts":"/api/acts/state-authorities-superannuation-state-public-service-superannuation-scheme-transfer-savings-and-tra/conflicts","importantCases":"/api/acts/state-authorities-superannuation-state-public-service-superannuation-scheme-transfer-savings-and-tra/important-cases","documents":"/api/acts/state-authorities-superannuation-state-public-service-superannuation-scheme-transfer-savings-and-tra/documents"}}