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Out of crisis comes recognition for Queensland’s nurses

Community News
18 April 2021 5 min read

Over the past 12 months, not only have nurses had to work tirelessly amid the constant, invisible threat of COVID-19, they have also become one of the most relied upon professions, along with other essential service workers such as teachers, emergency services and police.

Nurse scrubbing hands

Queensland Nurses and Midwives’ Union secretary Beth Mohle said the pandemic had exposed the roles that were critical during a crisis.

“We have come to realise how reliant we are on health care work, the importance of health care work and how a good health system can provide social cohesion and contribute to a strong and productive society,” Ms Mohle said. “The pandemic has really highlighted that.”

Within the profession, nurses and midwives could be feeling overwhelmed or burnt out as a result of the pandemic, and support is what they need most.

A risky time for nurses

“Day in, day out nurses put the needs of others ahead of themselves and at the moment everyone is feeling exhausted and running on empty. It is a risky time for nurses,” Ms Mohle said.

Nurses have spent over 12 months dealing with the pandemic and now dealing with the next phase of vaccinations, which is logistically a very complicated phase."

“The pandemic has demonstrated that we are at a social and economic turning point and we need to get the support for our health system right.”

Ms Mohle said more investment in Australia’s health care system with a focus on mental health, aged care health and community health would not only support nurses and keep them strong and engaged, it would also underpin Australia’s continued economic recovery.

Great ability to adapt

She said the past 12 months had also highlighted the nursing profession’s ability to adapt and innovate.

“Nurses and midwives demonstrated that they can adapt and do what is needed, because they had to,” she said.

“The way nurses adapted and delivered care differently in ways like running virtual clinics, fever clinics, or reaching out to the community through community outreach programs - it has been just phenomenal.”

Ms Mohle said she hoped nurses continued to be empowered through the health system.

“We can use these lessons as an opportunity to reframe the role of nurses and midwives so they can continue to offer better continuity of care and deliver care where it is needed most in the community,” she said.

Time for nurses to focus on themselves

Another way that nurses and midwives can be supported is through their own self-care.

When it comes time for their annual nursing registration renewal, Ms Mohle recommends nurses use a “healthy, wealthy and wise” approach.

“I suggest all nurses use this as an opportunity not only to focus on their professional development, but also to get all of their own health checks done and track their finances,” she said.

Looking into their superannuation and reviewing how it is tracking is a good start, she said.

'Your circumstances change every year. Everyone should check in to make sure they are adequately insured,” she said.

Annual reviews are a useful way to support your own financial wellbeing, your career progression, your health and ultimately your retirement.

QSuper offers 5 simple steps to take now to grow your super

Here are some tips from QSuper to help get control of your financial future.

1. Consolidate your super 1. Consolidate your super

Consolidating your super means moving all of your super into one account.

By consolidating your super, you may save on two precious commodities – on fees as well as your time. That’s because a single account makes your super easier to manage and fewer accounts means fewer fees.

You can consolidate your super for free in a few simple steps.1

If you've chosen the one account you want your super in, you could simply transfer the balance of your other super accounts into it online through the Australian Taxation Office:

  • go to my.gov.au
  • log in or create an account
  • link your myGov account to the ATO
  • select 'Super' and then 'Manage'
  • select 'Transfer super' (this option will only appear if you have more than one super account).

2. Look for lost super 2. Look for lost super

Australians have billions of dollars in unclaimed super. Some of it might be yours.

Lost super is money which is held on your behalf when your super fund, your employer or the government can't find an account to deposit your super into.

ASIC’s MoneySmart website2 says finding your lost super and bringing it all together saves on fees and makes it easier to manage. It's easy to find and combine your super online,3 simply:

  • Log in to your myGov account, click on 'ATO', then ‘Super'
  • Find any ATO-held or ‘lost’ super
  • Consolidate your accounts by choosing which accounts to combine – you'll be able to see details of all your super accounts, including any you've forgotten about.

     

3. Salary sacrifice to super 3. Salary sacrifice to super

Salary sacrificing into your super means having some of your salary or wages paid into your super fund instead of to you.

It may benefit you as your super fund will tax these contributions at 15%, which is the same as your employer's contributions. (Although certain, higher incomes are taxed at 30%). For most people this will be lower than your marginal tax rate and means you benefit because you pay less tax while boosting your retirement savings.

In a further benefit to you, the sacrificed component of your total salary package is not counted as assessable income for tax purposes. This means that it is not subject to pay as you go (PAYG) withholding tax.

You can simply talk to your employer about arranging to salary sacrifice to your super if it is right for you.

4. Make voluntary contributions 4. Make voluntary contributions

Even small amounts from your after-tax pay each week or month may make a big difference to your savings, and you may be eligible for a tax deduction.

A voluntary after-tax super contribution is money you choose to pay into your super fund from your after-tax income or savings and is different from salary sacrificing which happens before your income is taxed.

5. Review your investments 5. Review your investments

Choosing the right investment option for you can make a big difference to your retirement lifestyle.

Your investment choices will probably change over time. What’s right for you at age 25 may not be right for you as you get closer to retirement when you may want a more stable option to give you certainty over your future finances. 

Take the opportunity to consider the mix of each asset class that best suits your circumstances.

QSuper’s Investment Choice calculator may help you design an investment mix that suits you.

Thank you for all you do

To show our support in the lead-up to this year’s International Nurses Day and International Day of the Midwife, QSuper is inviting Queensland nurses and midwives, many of whom are QSuper members, to enter our competition for the chance to win two $500 gift cards – one each for a nurse and a midwife.

To enter, we’re asking nurses and midwives to tell us in 25 words or less:

What’s your proudest moment as a nurse or a midwife?

Enter now

1. Before you consolidate your super, you should check with your other super funds if there are any fees or tax implications, or loss of insurance or other benefits.
2. ASIC, MoneySmart, Find lost super, accessed 21 January 2021 at moneysmart.gov.au
3. Subject to eligibility.

The views and opinions of the author and those making comments are theirs alone, and do not necessarily reflect the views of the QSuper Board. No responsibility is taken for the accuracy of any of the information supplied and you should seek advice for your circumstances.

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