{"id":"superannuation-sta-employees-regulations-2005","name":"Superannuation (STA Employees) Regulations 2005","slug":"superannuation-sta-employees-regulations-2005","collection":"regulation","jurisdiction":"sa","status":"in_force","isInForce":true,"actNumber":null,"makingDate":null,"administeringDepartment":null,"currentVersion":{"id":237599,"registerId":"sa-superannuation-sta-employees-regulations-2005-current","compilationNumber":null,"startDate":"2026-04-06","status":"InForce","reasons":null,"registeredAt":null},"sections":[{"sectionNumber":"1","sectionType":"section","heading":"Superannuation (STA Employees) Regulations 2005","content":"South Australia\nSuperannuation (STA Employees) Regulations 2005\nunder the Superannuation Act 1988\n\nContents\nPart 1—Preliminary\n1\tShort title\n2\tCommencement\n3\tInterpretation\nPart 2—Modification of Act in relation to the STA group\n4\tModification of Act (except Part 4)\n5\tReplacement of Part 4 of the Act\nPart 4—Superannuation benefits—STA group\nDivision 1—Preliminary\n26\tInterpretation\nDivision 2—Superannuation benefits\n27\tRetirement\n28\tResignation and preservation\n29\tResignation pursuant to a voluntary separation package\n30\tRetrenchment\n31\tTermination of employment on invalidity\n32\tDeath of contributor while in employment\n32A\tDeath of contributor in receipt of a pension\nDivision 3—KA Benger\n32B\tBenefits payable to KA Benger\nDivision 4—General\n32C\tBenefits to be charged against contribution account\n6\tContinuation of pension rights\nSchedule 1—Relevant members of STA scheme\nSchedule 2—Revocation of Superannuation (STA Employees) Regulations 1991\nLegislative history\n\nPart 1—Preliminary\n1—Short title\nThese regulations may be cited as the Superannuation (STA Employees) Regulations 2005.\n2—Commencement\nThese regulations will come into operation on 1 September 2005.\n3—Interpretation\nIn these regulations, unless the contrary intention appears—\nAct means the Superannuation Act 1988;\ncontributor means a member of the STA group;\npay period means the period in respect of which a contributor's salary is periodically paid;\nSTA group means the group of employees who—\n\t(a)\twere members of the STA scheme immediately before 1 July 1990; and\n\t(b)\twere transferred to the scheme of superannuation established by the Act from 1 July 1990;\nSTA scheme means the State Transport Authority Staff Superannuation Fund and the State Transport Authority Pension Plan managed by National Mutual Life Association of Australasia Limited pursuant to policy numbers EFG 344 and EFG 5573 respectively.\nPart 2—Modification of Act in relation to the STA group\n4—Modification of Act (except Part 4)\nThe provisions of the Act are modified in their application to the STA group as follows:\n\t(a)\tall members of the STA group will be taken to be new scheme contributors;\n\t(b)\tthe following definition is substituted for the definition of contribution period in section 4(1) of the Act:\ncontribution period, in relation to a contributor, means the period over which the contributor is or was an active contributor and includes the period during which the contributor was a member of the STA scheme;\n\t(c)\tthe following definitions are substituted for the definition of standard contribution rate in section 4(1) of the Act:\nstandard contribution rate, in relation to a contributor, means the contribution rate opposite the contributor's name in Schedule 1 of the Superannuation (STA Employees) Regulations 2005;\nSTA scheme means the State Transport Authority Staff Superannuation Fund and the State Transport Authority Pension Plan managed by National Mutual Life Association of Australasia Limited pursuant to policy numbers EFG 344 and EFG 5573 respectively;\n\t(d)\ta contributor's liability to pay contributions ceases when the contributor's employment terminates or is terminated or when the contributor reaches the age of 60 years (but in the latter case the contributor must contribute for the whole of the pay period during which his or her 60th birthday occurs);\n\t(e)\tsection 40 of the Act applies in relation to a pension payable to the spouse of a contributor who has died;\n\t(f)\tsection 40A of the Act applies in relation to a member of the STA group;\n\t(g)\tsection 45 of the Act does not apply to, or in relation to, a pension payable to, or in relation to, a contributor.\n5—Replacement of Part 4 of the Act\nThe following provisions apply to, and in relation to, the STA group to the exclusion of Part 4 of the Act:\nPart 4—Superannuation benefits—STA group\nDivision 1—Preliminary\n26—Interpretation\nIn this Part, unless the contrary intention appears—\nretirement age multiple in relation to a contributor means—\n\t(a)\tif the contributor attained the age of 60 years on the entitlement day—the multiple opposite the contributor's name in Schedule 1;\n\t(b)\tif the contributor had not reached the age of 60 years at the entitlement day—the multiple referred to in paragraph (a) reduced by 0.0167 for each whole month by which the contributor's age falls short of his or her 60th birthday;\n\t(c)\tif the contributor's 60th birthday had passed at the entitlement day—the multiple referred to in paragraph (a) increased by 0.0167 for each completed month between the contributor's 60th birthday and the entitlement day;\nSchedule 1 means Schedule 1 to the Superannuation (STA Employees) Regulations 2005;\nState Scheme means the scheme of superannuation established by this Act.\nDivision 2—Superannuation benefits\n27—Retirement\n\t(1)\tA contributor may retire from employment at any time after reaching the age of 55 years.\n\t(2)\tOn retirement, a contributor is entitled to a lump sum but may elect to convert 50 per cent or more of the lump sum to a pension.\n\t(3)\tThe lump sum is calculated as follows:\n\nWhere\nLS is the lump sum\nM is the retirement age multiple\nFS is the contributor's actual or attributed salary immediately before retirement (expressed as an annual amount)\nA is the lesser of the following:\n\t(a)\tunity; or\n\t(b)\tthe numerical value obtained by dividing the number of the contributor's accrued contribution points by the number of months between the date of the contributor's acceptance as a member of the STA scheme and the date on which the contributor retires or the date on which the contributor reaches the age of retirement, whichever is the earlier.\n\t(4)\tA contributor who elects to convert part of the lump sum to a pension is entitled to—\n\t(a)\tthe balance (if any) of the lump sum not converted to a pension; and\n\t(b)\ta pension calculated as follows:\n\nWhere\nP is the amount of the pension (expressed as an annual amount)\nLS is the amount of the lump sum to be converted to a pension.\n\t(5)\tFor the purposes of this section, a contributor retires from employment if—\n\t(a)\tthe contributor has attained the age of 55 years; and\n\t(b)\tthe contributor's employment terminates or is terminated for any reason (except the contributor's death).\n\t(6)\tA pension payable under this section will be indexed.\n28—Resignation and preservation\n\t(1)\tA contributor who resigns from employment before reaching the age of 55 years may elect—\n\t(a)\tto take immediately the amount referred to in subsection (9); or\n\t(b)\tto preserve his or her accrued superannuation benefits; or\n\t(c)\tto carry over his or her accrued superannuation benefits to some other superannuation fund or scheme approved by the Board.\n\t(2)\tA contributor who fails to inform the Board in writing of his or her election under subsection (1) within 3 months after resignation will be taken to have elected to preserve his or her accrued superannuation benefits.\n\t(3)\tIf the Board is of the opinion that the limitation period referred to in subsection (2) would unfairly prejudice a contributor, the Board may extend the period as it applies to the contributor.\n\t(4)\tIf a contributor resigns and elects to take the amount referred to in subsection (9) the contributor is also entitled to a superannuation payment in accordance with the following provisions:\n\t(a)\tif the amount of the superannuation payment is less than $200, the contributor is entitled to the payment on resignation;\n\t(b)\tin any other case—\n\t(i)\tthe contributor may at any time after reaching the age of retirement require the Board to make the payment and, if no such requirement has been made on or before the date on which the contributor reaches 65 years of age, the Board will make the payment;\n\t(ii)\tif the contributor has reached the age of 55 years and is not employed by an employer within the meaning of the Commonwealth Act, the contributor may require the Board to make the payment to the contributor;\n\t(iii)\tif the contributor satisfies the Board that he or she has become totally and permanently incapacitated for work, the Board will make the payment to the contributor;\n\t(iv)\tif the contributor dies, the payment will be made to the spouse of the deceased contributor or, if he or she left no surviving spouse, to the contributor's estate,\n(and a payment under any of the above subparagraphs excludes further rights so that a claim cannot be subsequently made under some other subparagraph).\n\t(5)\tThe amount of the superannuation payment referred to in subsection (4) is the amount of the minimum contribution required to avoid payment of the superannuation guarantee charge in respect of the contributor under the Commonwealth Act together with interest from the date of resignation.\n\t(6)\tThe amount of interest will be calculated and credited to the contributor at the end of each financial year and will be calculated on the amount referred to in subsection (5) at the end of the first financial year and on the aggregate of that amount and the interest previously credited at the end of each subsequent financial year.\n\t(7)\tThe rate of interest will be determined by the Board in respect of each financial year in accordance with section 20A.\n\t(8)\tIf the contributor elects to preserve his or her accrued superannuation benefits, the following provisions apply:\n\t(a)\tthe contributor may at any time after reaching 55 years of age require the Board to pay superannuation benefits to the contributor and, if no such requirement has been made on or before the date on which the contributor reaches 65 years of age, the Board will pay such benefits to the contributor;\n\t(b)\tif the contributor satisfies the Board that he or she has become totally and permanently incapacitated for work, the Board will pay superannuation benefits to the contributor;\n\t(c)\tif the contributor dies, benefits will be paid to the spouse of the deceased contributor or, if he or she left no surviving spouse, to the contributor's estate,\n(and a payment under any of the above paragraphs excludes further rights so that a claim cannot be subsequently made under some other paragraph).\n\t(9)\tA contributor who does not elect to preserve his or her accrued superannuation benefits is entitled to an amount (to be charged against the contributor's contribution account) equivalent to the amount standing to the credit of the contributor's contribution account.\n\t(10)\tSubject to subsection (11), superannuation benefits payable under subsection (8) will be calculated as follows:\n\nWhere\nLS is the superannuation benefit\nM is the multiple opposite the contributor's name in Schedule 1\nAFS is the contributor's actual or attributed salary as at the date of resignation (expressed as an annual amount) adjusted to reflect changes in the Consumer Price Index since the date of resignation\nA is the number of the contributor's accrued contribution points\nPCP is the number of months between the date of the contributor's acceptance as a member of the STA scheme and the age of retirement.\n\t(11)\tA contributor may elect to take 50 per cent or more of the superannuation benefits calculated under subsection (10) as a pension and in that event the contributor is entitled to—\n\t(a)\tthe balance (if any) of the lump sum not converted to a pension; and\n\t(b)\ta pension calculated as follows:\n\nWhere\nP is the amount of the pension (expressed as an annual amount)\nLS is the amount of the lump sum to be converted to pension.\n\t(12)\tIf the contributor elects to carry over his or her accrued superannuation benefits to an approved superannuation fund or scheme, the following provisions apply:\n\t(a)\tthe contributor must satisfy the Board by such evidence as it may require that he or she has been admitted to membership of the fund or scheme;\n\t(b)\ton being so satisfied, the Board will make a payment on behalf of the contributor to the fund or scheme made up of 2 components:\n\t(i)\tan employee component (to be charged against the contributor's contribution account) equivalent to the amount standing to the credit of the contributor's contribution account;\n\t(ii)\tan employer component which will be equal to twice the amount of the employee component.\n\t(13)\tFor the purposes of this section, a contributor will be taken to resign if the contributor's employment terminates or is terminated for any reason (except invalidity or death).\n\t(14)\tA pension payable under this section will be indexed.\n29—Resignation pursuant to a voluntary separation package\n\t(1)\tThis section applies to a contributor who resigns from his or her employment before reaching the age of 55 years pursuant to a voluntary separation package—\n\t(a)\tthat includes a term that this section is to apply to the contributor; and\n\t(b)\tthat has been approved by the Treasurer.\n\t(2)\tSection 28 does not apply to a contributor to whom this section applies.\n\t(3)\tOn resignation, a contributor to whom this section applies is entitled to a lump sum but may elect to convert 50 per cent or more of the lump sum to a pension.\n\t(4)\tThe lump sum is made up of—\n\t(a)\tan employee component (to be charged against the contributor's contribution account) equivalent to the amount standing to the credit of that account; and\n\t(b)\tan employer component that is equal to twice the amount of the employee component.\n\t(5)\tA contributor who elects to convert part of the lump sum to a pension is entitled to—\n\t(a)\tthe balance (if any) of the lump sum not converted to a pension; and\n\t(b)\ta pension in an amount determined by the Board on the advice of an actuary.\n\t(6)\tThe pension payable under subsection (5)(b) will be indexed.\n\t(7)\tA part of the lump sum referred to in subsection (4), being an amount equivalent to the minimum contribution required to avoid payment of the superannuation guarantee charge in respect of the contributor under the Commonwealth Act, is preserved.\n\t(8)\tA part of the balance of the lump sum referred to in subsection (5)(a), being an amount equivalent to the minimum contribution required to avoid payment of the superannuation guarantee charge in respect of the contributor under the Commonwealth Act, is preserved but if that amount is equal to or greater than the balance of the lump sum, the whole of the balance of the lump sum is preserved.\n\t(9)\tThe amount preserved by subsection (7) or (8) together with interest is payable in accordance with the following provisions:\n\t(a)\tthe contributor may at any time after reaching 55 years of age require the Board to pay the amount and, if no such requirement has been made on or before the date on which the contributor reaches 65 years of age, the Board will pay the amount to the contributor;\n\t(b)\tif the contributor satisfies the Board that he or she has become totally and permanently incapacitated for work, the Board will pay the amount to the contributor;\n\t(c)\tif the contributor dies, the amount will be paid to the spouse of the deceased contributor or, if he or she left no surviving spouse, to the contributor's estate,\n(and a payment under any of the above paragraphs excludes further rights so that a claim cannot be subsequently made under some other paragraph).\n\t(10)\tThe amount of interest will be calculated and credited to the contributor at the end of each financial year and will be calculated at the end of the first financial year on the amount preserved and on the aggregate of that amount and the interest previously credited at the end of each subsequent financial year.\n\t(11)\tThe rate of interest will be determined by the Board in respect of each financial year in accordance with section 20A.\n\t(12)\tIn this section—\nvoluntary separation package means an agreement between a contributor and his or her employer pursuant to which the contributor resigns from employment.\n30—Retrenchment\n\t(1)\tIf a contributor's employment is terminated by retrenchment, the contributor may elect—\n\t(a)\tto take a lump sum payment; or\n\t(b)\tto preserve his or her superannuation benefits.\n\t(2)\tA lump sum payment under this section will be calculated as follows:\n\nWhere\nLS is the lump sum\nM is the multiple opposite the contributor's name in Schedule 1\nFS is the contributor's actual or attributed salary immediately before retrenchment (expressed as an annual amount)\nA is the number of the contributor's accrued contribution points\nPCP is the number of months between the date of the contributor's acceptance as a member of the STA scheme and the age of retirement.\n\t(3)\tIf a contributor elects to preserve his or her superannuation benefits, this Act applies in the same way as if the contributor had made that election on resignation.\n\t(4)\tIf a contributor's employment is to be terminated by retrenchment, the employing authority must give the Board notice of that fact in accordance with the regulations at least 1 month before the termination takes effect.\n31—Termination of employment on invalidity\n\t(1)\tA contributor whose employment terminates on account of invalidity and who has not then reached the age of 55 years is entitled to a lump sum but may elect to convert 50 per cent or more of the lump sum to a pension.\n\t(2)\tThe lump sum is calculated as follows:\n\nWhere\nLS is the lump sum\nM is the multiple opposite the contributor's name in Schedule 1\nFS is the contributor's actual or attributed salary immediately before termination of the contributor's employment (expressed as an annual amount)\nA is the lesser of the following:\n\t(a)\tunity; or\n\t(b)\t—\n\t(i)\tif the contributor was an active contributor immediately before termination of the employment—the numerical value obtained by dividing the number of the contributor's extrapolated contribution points by the number of months between the date of the contributor's acceptance as a member of the STA scheme and the contributor's age of retirement;\n\t(ii)\tif the contributor was not an active contributor immediately before termination of the employment—the numerical value obtained by dividing the number of the contributor's accrued contribution points by the number of months between the date of the contributor's acceptance as a member of the STA scheme and the contributor's age of retirement.\n\t(3)\tA contributor who elects to convert part of the lump sum to a pension is entitled to—\n\t(a)\tthe balance (if any) of the lump sum not converted to a pension; and\n\t(b)\ta pension calculated as follows:\n\nWhere\nP is the amount of the pension (expressed as an annual amount)\nLS is the amount of the lump sum to be converted to pension.\n\t(4)\tA contributor's employment will be taken to have terminated on account of invalidity if, and only if—\n\t(a)\tthe employer (acting with the written approval of the Board) terminates the employment on the ground of the contributor's invalidity; or\n\t(b)\t—\n\t(i)\tthe employer or the contributor satisfies the Board (before termination of employment) that the contributor is incapacitated for work in the contributor's present position and that there is no other position, carrying a salary of at least 80 per cent of the salary applicable to the contributor's present position, which the contributor could reasonably be expected to take, available to the contributor; and\n\t(ii)\tafter notice has been given to the Board as required by the regulations, the employer terminates the employment or the contributor resigns from employment.\n\t(5)\tDespite any other Act or law to the contrary an employer cannot terminate the employment of a contributor on the ground of invalidity unless the requirements of subsection (4)(a) or (b) have been satisfied.\n\t(6)\tA pension payable under this section will be indexed.\n32—Death of contributor while in employment\n\t(1)\tThis section applies where the contributor's employment is terminated by the contributor's death.\n\t(2)\tIf the contributor is survived by a spouse, the spouse may elect to take—\n\t(a)\ta lump sum calculated as follows:\n\nWhere\nLS is the lump sum\nM is the multiple opposite the contributor's name in Schedule 1\nFS is the contributor's actual or attributed salary immediately before termination of the contributor's employment (expressed as an annual amount)\nA is the lesser of the following:\n\t(a)\tunity; or\n\t(b)\t—\n\t(i)\tif the contributor was an active contributor immediately before his or her death—the numerical value obtained by dividing the number of the contributor's extrapolated contribution points by the number of months between the date of the contributor's acceptance as a member of the STA scheme and the contributor's age of retirement; or\n\t(ii)\tif the contributor was not an active contributor immediately before his or her death—the numerical value obtained by dividing the number of the contributor's accrued contribution points by the number of months between the date of the contributor's acceptance as a member of the STA scheme and the contributor's age of retirement; or\n\t(b)\ta pension calculated as follows:\n\nWhere\nP is the pension expressed as an annual amount\nLS is the lump sum that the spouse would have been entitled to under paragraph (a) if he or she had made that election.\n\t(3)\tNo child of the deceased contributor is entitled to a superannuation benefit if the contributor's spouse makes an election under subsection (2)(a) but if the spouse makes an election under subsection (2)(b) the eligible children of the deceased contributor will be entitled as follows:\n\t(a)\tif there are 1 or 2 eligible children, each is entitled to a pension calculated as follows:\n\n\t(b)\tif there are 3 or more eligible children each is entitled to a pension calculated as follows:\n\nWhere\nP is the pension expressed as an annual amount\nLS is the lump sum that the spouse would have been entitled to under subsection (2)(a) if he or she had elected to take that lump sum\nN is the number of eligible children.\n\t(4)\tIf the contributor is not survived by a spouse but is survived by an eligible child or eligible children, the child or children are entitled as follows:\n\t(a)\tif there is only 1 eligible child, he or she is entitled to a pension calculated as follows:\n\n\t(b)\tif there are 2 eligible children, each is entitled to a pension calculated as follows:\n\n\t(c)\tif there are 3 eligible children, each is entitled to a pension calculated as follows:\n\n\t(d)\tif there are 4 or more eligible children, each is entitled to a pension calculated as follows:\n\nWhere\nP is the pension expressed as an annual amount\nLS is the lump sum to which the contributor would have been entitled if he or she had survived and retired on his or her 60th birthday and if the contributor's actual or attributed salary immediately before retirement had been the same as the contributor's actual or attributed salary immediately before his or her death\nN is the number of eligible children.\n\t(5)\tIf the contributor is not survived by a spouse or an eligible child, a lump sum calculated under subsection (2)(a) is payable to the contributor's estate.\n\t(6)\tIf a deceased contributor is survived by a lawful spouse and a putative spouse, each is entitled to make an election under subsection (2) in respect of his or her share of the superannuation benefits but if the Board accepts an election in respect of the whole of those benefits by 1 spouse without notice of the other spouse's interest, the other spouse is not entitled to make an election under subsection (2) in respect of those benefits.\n\t(7)\tA pension payable under this section will be indexed.\n32A—Death of contributor in receipt of a pension\n\t(1)\tIf a contributor who is in receipt of a pension under this Act dies—\n\t(a)\ta surviving spouse (not being a person who became the contributor's spouse after termination of the contributor's employment and less than 5 years before the date of the contributor's death) is entitled to a pension equal to two-thirds of the deceased contributor's notional pension; and\n\t(b)\tan eligible child is entitled to a pension in accordance with subsection (2).\n\t(2)\tThe amount of the pension for each eligible child is as follows:\n\t(a)\tif a pension is being paid to a surviving spouse—\n\t(i)\tif there are no more than 2 eligible children—a pension equal to one-ninth of the deceased contributor's notional pension;\n\t(ii)\tif there are 3 or more eligible children—a pension calculated by dividing one-third of the deceased contributor's notional pension by the number of eligible children;\n\t(b)\tif no pension is being paid to a surviving spouse—\n\t(i)\tif there is 1 eligible child—a pension equal to 45 per cent of the deceased contributor's notional pension;\n\t(ii)\tif there are 2 eligible children—a pension equal to 40 per cent of the deceased contributor's notional pension;\n\t(iii)\tif there are 3 eligible children—a pension equal to 30 per cent of the deceased contributor's notional pension;\n\t(iv)\tif there are 4 or more eligible children—a pension calculated by dividing the deceased contributor's notional pension by the number of eligible children.\n\t(3)\tA reference in this section to a deceased contributor's notional pension is a reference to the amount of the contributor's pension immediately before his or her death.\n\t(4)\tA deceased contributor's notional pension will be indexed as if it were (or remained) an actual pension and consequential adjustments will be made to pensions calculated by reference to the notional pension.\n\t(5)\tA surviving spouse will not be entitled to a benefit under this section if section 43AG applies to the spouse and the amount of any benefit payable to a person must take into account any reduction that has been made under section 43AF.\nDivision 3—KA Benger\n32B—Benefits payable to KA Benger\nThe superannuation benefits payable under section 28(8) to Kevin A Benger will be $134 257 adjusted to reflect changes in the Consumer Price Index since 30 June 1990.\nDivision 4—General\n32C—Benefits to be charged against contribution account\nBenefits payable under this Part will be charged against the contributor's contribution account until it is exhausted.\n6—Continuation of pension rights\n\t(1)\tA pension payable to a member of the STA scheme immediately before 1 September 2005 will continue to be payable pursuant to the Act as modified by these regulations after that date.\n\t(2)\tThe Act as so modified (apart from provisions relating to indexation and reduction or suspension of pensions) does not affect the amount of any such pension.\nSchedule 1—Relevant members of STA scheme\nMembers who were active contributors or had preserved benefits at 1 September 2005\n\n\n\nRetirement age multiple\nStandard contribution rate\nActive members\n\n\nJeffrey K BEATTY\n6.00\n5.6\nIan J SINCLAIR\n6.00\n5.5\nMembers with preserved accrued benefit (inactive)\n\n\nFrank CZUKLI\n6.00\n5.9\nDerek S LEA\n6.00\n5.7\nMember who had preserved benefits before 1 July 1990\nKevin A Benger\nSchedule 2—Revocation of Superannuation (STA Employees) Regulations 1991\nThe Superannuation (STA Employees) Regulations 1991 are revoked.\nLegislative history\nNotes\n\t•\tFor further information relating to the Act and subordinate legislation made under the Act see the Index of South Australian Statutes or www.legislation.sa.gov.au.\nPrincipal regulations\nYear\nNo\nReference\nCommencement\n2005\n192\nGazette 1.9.2005 p3228\n1.9.2005: r 2 \n","sortOrder":0}],"analysis":{"summary":{"complexity_score":1,"scope_assessment":{"changed":false,"description":"Scope cannot be assessed as the legislative text was not accessible. The title suggests a narrow, targeted instrument applying to a specific class of South Australian public sector employees, which would be consistent with a limited and unchanged scope — but this cannot be confirmed without the actual content."},"complexity_factors":["No legislative text was retrievable — the source page returned a 404 error","Cannot assess complexity of provisions, definitions, or interactions with other legislation","Score of 1 reflects absence of analysable content, not simplicity of the underlying law"],"plain_english_summary":"These Regulations set out the superannuation framework for a defined class of South Australian \"STA\" employees, governing how retirement entitlements are managed and who qualifies. They matter to current and former STA staff, their dependants and beneficiaries, and fund administrators administering those legacy public‑sector arrangements.\n\nThe full text is unavailable here, so no detailed analysis of specific entitlements or rules can be provided."},"flash_summary":{"complexity_score":7,"scope_assessment":{"changed":true,"description":"These regulations narrow and tailor the Act's application for the STA group by (a) deeming all STA members to be new-scheme contributors (r 4(a)), (b) substituting key definitions (contribution period and standard contribution rate) and specifying individual contribution rates and retirement multiples in Schedule 1 (r 4(b),(c); Schedule 1), and (c) replacing Part 4 of the Act with bespoke benefit rules for retirement, resignation, retrenchment, invalidity and death (r 5; Division 2, Part 4). Continuation and preservation of existing STA pensions are maintained (r 6). Benefits are generally charged against contributors' contribution accounts (r 32C), while employer components apply on rollovers and voluntary separation (r 28(12)(b), r 29(4)(b)). The Board has recurring discretionary and administrative roles (r 28(3),(7), r 28(12)(a), r 29(5))."},"complexity_factors":["Targeted modification of primary statute: replaces Part 4 of the Act for the STA group (regs 4, 5) rather than applying uniform rules.","Multiple numeric formulas for lump sums and pensions with many variables (retirement age multiple, accrued/extrapolated contribution points, salary, PCP) throughout Division 2 (regs 27–32A).","Graduated 'retirement age multiple' adjustments depending on months to/from age 60 (r 26).","Choice architecture and timing rules: elections on resignation, preservation, rollover, conversion to pension (r 28, r 29, r 30, r 31), including default outcomes and preserved minimums (r 28(2),(4),(7),(9)).","Board discretion: determines interest rate for preserved amounts (r 28(7), r 29(11) referencing s 20A), may extend election periods (r 28(3)), approves rollover admission evidence (r 28(12)(a)) and advises on actuarial pension amounts (r 29(5)).","Employer roles and constraints: must notify Board of retrenchment (r 30(4)); employer involvement and Board approval required for invalidity termination (r 31(4)–(5)).","Interaction with Commonwealth superannuation guarantee minimums affects preserved sums and payment timing (r 28(5),(6), r 29(7),(8)).","Indexed pensions and notional pension adjustments on death introduce ongoing adjustment mechanics (rr 27(6), 28(14), 31(6), 32(7), 32A(4)).","Individualised elements: Schedule 1 ties specific members to bespoke multiples and contribution rates; one named legacy payment for Kevin A Benger (r 32B).","Cross-references to the principal Act and to actuarial determinations increase administrative and compliance complexity (throughout Part 4 replacement)."],"plain_english_summary":"These regulations apply the Superannuation Act 1988 to a defined group of State Transport Authority (STA) employees by treating STA members as new-scheme contributors and replacing Part 4 with bespoke rules. They prescribe formulas for lump sums and pensions, options on retirement, resignation, retrenchment, invalidity and death, indexation and election windows.\n\nBenefits are charged against contributors' contribution accounts; employer components apply for rollovers and voluntary separation; the Board determines interest rates, approves rollovers and can extend election time. Schedule 1 names affected members and their multiples and contribution rates."},"flash_summary_failed":{"failed":true,"reason":"A positive credit balance is required for all requests, including BYOK, so fallback providers remain available. Add credits at https://vercel.com/d?to=%2F%5Bteam%5D%2F%7E%2Fai%3Fmodal%3Dtop-up to continue.","source":"analysis-cron"},"issue_detection":{"absurdities":[],"contradictions":[]},"kimi_summary":{"content_quality":"ok","complexity_score":7,"scope_assessment":{"changed":false,"description":"The legislation maintains its original narrow scope. It was always intended to deal with the specific transitional arrangements for STA scheme members transferred in 1990, and it continues to serve that limited purpose for this closed cohort of beneficiaries. The 2005 version appears to be a consolidation/re-enactment of earlier regulations (revoking the 1991 version) rather than an expansion of scope."},"complexity_factors":["Extensive mathematical formulas with multiple variables (LS, M, FS, A, PCP, etc.) across 10+ sections","Individual named beneficiaries with bespoke calculations (Kevin A Benger in section 32B)","Heavy cross-referencing to the Superannuation Act 1988 with specific modifications and substitutions","Nested conditional logic: different calculation methods depending on age at entitlement, active vs inactive contributor status, whether contributor was active immediately before death/invalidity","Multiple election points for beneficiaries (lump sum vs pension conversions at various percentages)","Complex preservation rules with multiple trigger points (age 55, 65, total incapacity, death)","Tiered benefits for surviving spouses and children with different percentages based on number of children","Schedule 1 contains individual member data with personalised retirement age multiples and contribution rates","Interaction between Commonwealth superannuation guarantee charge requirements and state benefit calculations","Specific exclusion clauses (section 40A applies, section 45 does not apply)"],"plain_english_summary":"This legislation sets out special superannuation (retirement savings) rules for a specific group of South Australian public transport workers who used to be in the old State Transport Authority (STA) super scheme before 1990.\n\n**Who it affects:**\n- A small, closed group of employees who were members of the STA superannuation scheme before 1 July 1990 and were then transferred into the main South Australian government super scheme (the Superannuation Act 1988).\n- The regulations name specific individuals (like Jeffrey Beatty, Ian Sinclair, and Kevin Benger) with their own contribution rates and retirement multiples.\n\n**What it does:**\n- **Modifies the main Superannuation Act** so these workers get different (generally more generous) benefits than other government employees.\n- **Replaces the standard benefit rules** with customised calculations for retirement, resignation, retrenchment, invalidity, and death benefits.\n- **Provides multiple options:** Workers can often choose between lump sums and pensions, with formulas based on their years of service, salary, and individual 'multiples' listed in Schedule 1.\n- **Preserves old rights:** People already receiving pensions under the old STA scheme continue to get them under these new rules.\n- **Special deal for voluntary redundancies:** Different rules apply if someone takes a voluntary separation package approved by the Treasurer.\n\n**Why it matters:**\nThis is transitional legislation protecting the retirement benefits of a specific cohort of workers during a major restructuring of South Australia's public transport system in the 1990s. It ensures these employees don't lose entitlements they built up under the old STA scheme when they were moved to the new government super system. The individually named members and customised calculations reflect negotiated outcomes for this small group."}},"importantCases":[],"_links":{"self":"/api/acts/superannuation-sta-employees-regulations-2005","history":"/api/acts/superannuation-sta-employees-regulations-2005/history","analysis":"/api/acts/superannuation-sta-employees-regulations-2005/analysis","conflicts":"/api/acts/superannuation-sta-employees-regulations-2005/conflicts","importantCases":"/api/acts/superannuation-sta-employees-regulations-2005/important-cases","documents":"/api/acts/superannuation-sta-employees-regulations-2005/documents"}}