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Melbourne accountant Adam Jacobson advises Australians to use their annual leave before quitting a job to avoid losing potential superannuation contributions. When employees do not take this leave and instead receive a payout at the end of employment, they miss out on the 12 percent super guarantee that would apply if the leave were taken during employment. Using an example of an employee earning $100,000 with four weeks' worth of accrued annual leave valued at approximately $7,700, Jacobson calculates a loss of around $923 in super contributions by not taking the leave before leaving the job.
Written by the local model on 2026-09-17,
using this article's own text rather than the other coverage of the
same event (that is the story summary below).
Story summary
A Melbourne accountant named Adam Jacobson from Link Wealth Accounting recently advised Australians to use up their annual leave before quitting a job to avoid missing out on super contributions. According to Jacobson, when employees take or cash out annual leave before resigning, employers are required to pay the 12% super guarantee on that leave. However, if an employee has accrued annual leave paid out after resignation, employers do not have to contribute the 12% superannuation guarantee. Using a hypothetical example of an Australian earning $100,000 per year with four weeks of accrued leave worth approximately $7,700, Jacobson highlighted how taking this leave before leaving can result in significant financial benefits.
Written for “Australian Superannuation Trap” on 2026-09-17,
grounded in this article and the 0 other(s) covering the same event.
Why this leaning score
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No political leaning scored for article 15085 · logged 2026-09-17
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A Melbourne accountant has urged Aussies to consider taking their annual leave before quitting a job to avoid a superannuation trap that could prove costly.
Link Wealth Accounting principal accountant Adam Jacobson said that staff who saved up annual leave for a payout at the end of their employment would generally miss out on super contributions.
'Annual leave that is taken or cashed out before resignation or termination is deemed to be a qualifying earning,' he told the Daily Mail.
uncertain
he → see → Mail
'Employers are therefore required to pay the 12 per cent super guarantee on that leave.
asserted
Employers → require → leave
'Where people get trapped is when they have an annual leave balance remaining on resignation or termination.
asserted
they → trap → resignation
'When this leave is paid out, it is not deemed to be [qualifying earnings] and employers are not required to pay the 12 per cent super guarantee on that amount.'
asserted
employers → pay → amount
Mr Jacobson used an Aussie earning $100,000 a year with four weeks of accrued annual leave worth about $7,700 as an example.
asserted
Jacobson → use → example
'Say they decided to take their leave prior to resigning,' he said.
asserted
he → say → leave
Melbourne accountant Adam Jacobson (pictured) has urged Aussies to consider taking their annual leave before quitting a job to avoid a superannuation trap that could prove costly
Mr Jacobson said that staff who saved up annual leave for a payout at the end of their employment would miss out on super contributions
Although annual leave cashed out during employment generally attracts super contributions, Mr Jacobson said his preferred option was to take the leave before leaving a job
'
uncertain
option → picture → job
They would end up saving close to $1,000 [in super] by doing so.'
Applying the 12 per cent super guarantee to $7,700 would result in about $923 in super contributions.
asserted
Applying → end → contributions
Although annual leave cashed out during employment generally attracts super contributions, Mr Jacobson said his preferred option was to take the leave before leaving a job.
asserted
option → cash → job
He argued workers expecting a pay rise could be short-changing themselves by cashing out their leave beforehand.
uncertain
workers → argue → leave
'If you cash out your leave, you receive it at your given pay rate, he said.
asserted
he → cash → rate
'Therefore, it might be more beneficial to wait until you are at a higher pay rate before doing so.
uncertain
you → wait → rate
However, Mr Jacobson said there were circumstances in which workers had little choice but to receive their unused annual leave as part of their final pay.
asserted
workers → say → pay
'Sometimes you won’t have a choice,' he said.
asserted
he → have → choice
'For example, you may be made redundant, and in this circumstance, it’s just hard luck because unfortunately you won’t be paid any super.
uncertain
you → make → super
'Otherwise, I recommend to always check with your employer if they will allow you to cash out leave, but in doing so, remember it’s always a good idea to leave your job on amicable terms.'
asserted
it → recommend → terms
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