Salary Packaging enables you to spend a portion of your pre-tax salary on everyday expenses, meal entertainment benefits, as well as many other items. This results in a lower taxable income, so that you’ll pay less tax, and increase your take home pay.

Taxation legislation provides significant tax concessions for employees of public hospitals and not-for-profit organisations. This allows these organisations to employ staff with take-home pay that is competitive to the private sector, without significantly increasing their overall salary budget.

One of these tax concessions is an exemption from Fringe Benefits Tax (FBT). This means that your employer can pay or reimburse your personal expenses up to an annual capped limit without you paying any tax on this amount.

As an employee of NSW Health, your salary packaging program is offeredon the provision that the benefit, through saved income tax, is shared equally.This means that half of your tax savings are shared with yourLocal Health District.

Salary packaging as a NSW Health employee not only enables you toincrease your take home pay but also enables you to contribute to yourfacility and community. Simply put, these tax benefits mean you can spend Less time budgetingand More time on the things you love.

What is Salary Packaging?

Michelle works at a Public Hospital and earns $60,000. She packages $9,009 on pre-tax living expenses and $2,650 on Meal Entertainment.

She saves $2,413 per year through Salary Packaging.

The more you package the more you will save.

Getting Startedsalarypackagingplus.com.au/employees/nswhealth

nswhealth@salarypackagingplus.com.au

1300 40 25 23

Relax and Start Saving

NSW Health

GENERAL LIVING EXPENSES

Under the general living expenses cap, you can salary package many of your daily expenses, including things such as rent or mortgage payments, up to a value of $9,009 per FBT year.

You can also choose to apply for a Westpac Everyday Purchases cardwhich is a pre-paid debit card that can be used any time, anywhere(including overseas), to help you save with ease.

MEAL ENTERTAINMENT

In addition to your living expenses cap, you can package up to$2,650 on the Meal Entertainment benefit.

The Meal Entertainment benefit can be used to pay forfood and drink, including alcohol, where it is consumedas part of a social event.

This includes

Any dine-in meals for two or more people atrestaurants, cafes, bistros, clubs or pubsin Australia or overseas

Catering costs for events where the sole orpredominant purpose of the event is theconsumption of food and drink e.g.a wedding reception, birthday orengagement party

The cost of accommodation or travel inconnection with or for the purpose offacilitating meal entertainment

This is made even easier with the convenienceof the Westpac Meal Entertainment card.

What Can I Package?

NSW Health

FBT EXEMPT ITEMS

FBT Exempt items such as airport lounge memberships, employer provided child care fees, relocation expenses and living-away-from-home expenses can be packaged.

REMOTE AREA BENEFITS

If you live and work in a remote area, as defined by the Australian Taxation Office, you could be eligible to package your mortgage interest, rent, home purchase, or housing related fuel in addition to your other benefits. Contact SalaryPackagingPLUS for more information and to find out if you’re eligible.

NOVATED LEASING

A Novated Lease is the most efficient and cost-effective way of paying for your vehicle and can be taken in addition to your other Salary Packaging benefits.

The employer deducts the vehicle finance repayment and running costs from a portion of pre and post-tax salary and forwards it to LeasePLUS to cover the costs of the vehicle.

It’s as simple as that! You can enter into a Novated Lease on a new vehicle, used vehicle, or even a vehicle that you already own.

Everything from vehicle payments, insurance, registration, fuel, servicing, tyres and roadside assistance is bundled into one easy payment, which means no more budgeting for those large annual expenses.

OTHER BENEFITS

Please refer to the NSW Health Salary Packaging Policy for a full list of benefits available for salary packaging.

NSW Health

EVERYDAY PURCHASES CARD

Your Everyday Purchases card can be used for your everyday living expenses such as groceries, bills and clothes.

MEAL ENTERTAINMENT CARD

This card allows you to cover the cost of dining out with your family or friends. It can be used at restaurants, cafes, hotels and bistros in Australia as well as overseas.

Westpac are the provider of benefit cards for NSW Health. The Everyday Purchases Card and Meal Entertainment Card enable you to use your pre-tax dollars loaded on to the cards for the payment of your expenses, without the hassle of providing receipts or seeking reimbursement.

To apply for these cards, please visit our website to download and complete the card application form.

Salary Packaging Cards

NSW Health