$uper $uper

I worked for numerous employers over the years. I am now able to be retired because I took care of my superannuation. Three employers failed to pay my super:
1) A family company that fell behind because they did not have the cash flow and never managed to catch up. When the Tax Office chased them for payment, the principals made re-payment arrangements. Then they went bankrupt when it was time to pay.
2) A family company that failed to pay voluntary superannuation deductions into the superannuation fund.  The Tax Office will not chase voluntary superannuation deductions.
3) A one man company that  did not have proper accounting procedures. The superannuation was eventually paid after the Tax Office intervened. But he went out of business soon afterwards.

Some companies elect to only pay superannuation at the end of the quarter, then they have a month to pay and the Tax Office will not chase up for a month. So some of the superannuation may be 5 months old before you realise it will never be paid.

The lessons are clear
1) Do not work family companies or one man companies.
2) Do not work for companies that pay superannuation only once a quarter.
3) Do not make voluntary salary deductions to your superannuation until the company has paid compulsory superannuation consistently.