Home' Australian Ageing Agenda : AAA Nov-Dec 2014 Contents Issued by H.E.S.T. Australia Ltd ABN 66 006 818 695 AFSL No. 235249, the Trustee of Health Employees Superannuation Trust Australia (HESTA) ABN 64 971 749 321.
This information is of a general nature. It does not take into account your objectives, financial situation or specific needs so you should look at your own financial
position and requirements before making a decision. You may wish to consult an adviser when doing this. Third-party services are provided by parties other than
H.E.S.T. Australia Ltd and terms and conditions apply. H.E.S.T. Australia Ltd does not recommend, endorse or accept any responsibility for the products and services
offered by third parties or any liability for any loss or damage incurred as a result of services provided by third parties. You should exercise your own judgment about
the products and services being offered. For more information, call 1800 813 327 or visit hesta.com.au for a copy of a Product Disclosure Statement which should be
considered when making a decision about HESTA products.
Earn more during your
Your lunch break is one of the best times to
tackle errands and get through the items on
your to-do list. So why not use that time to
squeeze in a few steps that can help you earn
more for your retirement?
Here are three things to tick off on your next
break. They're quick, easy, and can make a
big difference in the long run.
1. GET SUPER SMART
Find out how much super you'll need and
how to take charge of your finances.
• Use the online super calculator at
hesta.com.au/calculator to find out how
much extra you'll need to put away each week.
• Learn how to do more with your money
using the online education program,
Money101, at hesta.com.au/money101
2. BOOST YOUR BALANCE
When you've figured out how much extra
you'd like to put towards your super,
you'll need to decide how you'd like to do
it. And there are three ways to go.
• Talk to your employer at work about salary
sacrifice for super and they'll deduct it
directly from your pre-tax pay.
• Call your super fund to set up ongoing
direct debits from your bank account
directly into your account. HESTA
members can call us on 1800 813 327.
• HESTA members with a little spare
cash for super can make a one-off
contribution via BPAY, Member Online at
hesta.com.au/mol or with a deposit slip
3. PUT MORE IN ONE PLACE
Once you've sorted out your
contributions, consolidate your super ---
to give your balance another boost.
• Consider the benefits (like insurance) of
each of your funds to work out which fund
suits your needs best.
• HESTA members can visit
hesta.com.au/superfinder directly to
find any lost super --- and roll other super
accounts into HESTA at hesta.com.au/rollover
• If you're not a HESTA member, visit
ato.gov.au/superseeker to find out if you
have any lost super in your name.
To find out more about how to boost your super balance,
HESTA members can give our team a call on 1800 813 327 or visit hesta.com.au
With more than 25 years of experience and $29 billion in assets,
more people in health and community services choose HESTA for their super.
Researching health of
I graduated from Flinders University with a
Bachelor of Medical Science and a Bachelor
of Innovation and Enterprise and have
recently completed a Graduate Certificate
in Public Health. I have worked with Population Research and
Outcome Studies, a population health and chronic disease
epidemiology unit, since 2009 where I became interested in
health and wellbeing issues particularly related to ageing. As
a result, I enrolled into a PhD at The University of Adelaide to
examine immigrant health and health related risk factors.
My thesis specifically explores the health of ageing immigrants
who came to Australia following the Second World War, particularly
those born in Greece, Italy and Germany. My PhD explores whether
migrants have worse health outcomes over time compared to their
Australian born counterparts, if health outcomes vary based upon
country of birth classification and whether migrant status will be a
risk factor for poorer health outcomes in late adulthood.
It is important to understand how this particular cohort is
ageing and how this will impact service needs. This has potential
implications for future demand and up-take of health services.
I aim to get a better understanding of the burden of disease
among ageing Australian immigrant populations and help facilitate
the provision of adequate and culturally appropriate services. This
is particularly important as migrant groups are faced with varying
degrees of cultural and communication barriers, which can affect
how they access and use health services.
Researching social determinants
of health on older migrants
My background is in psychology, and I am
currently a PhD candidate in the Southgate
Institute for Health, Society and Equity at
Flinders University. I was initially drawn to
ageing research as part of a wider aim to conduct research with
CALD and non-English speaking participants who are routinely
excluded from mainstream research. My Honours project
compared the widowhood experiences and wellbeing of older
Greek and British migrant widows in South Australia, and my PhD
extends this research, focusing solely on the Greek community.
My qualitative research explores the impact of select social
determinants of health, such as gender, residential location,
social support, and social inclusion and exclusion, on the well-
being of older widowed Greek migrants in urban and rural SA.
Research in this area is timely given the ageing nature of this
typically under-researched group. Mainstream service providers
may be incapable or ill-equipped to address the specific needs
of individuals of these backgrounds, in light of their typically
limited English proficiency, and often lack of involvement or
inclusion within mainstream Australian society.
My wider aim in documenting the accounts of this cohort
of first generation migrants to Australia is to be inclusive of
individuals previously not afforded a voice in academic research.
By conducting interviews in participants' native language before
translating to English, I hope to share their nuanced experiences of
ageing, widowhood, and wellbeing, to inform policy.
www.australianageingagenda.com.au | 13
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