If you think you have lost super and can't see it on ATO online, we may not have all your details. How your super goes missing. date of birth. Lost members register – protocol. You will need to provide information such as your personal details, contact details. You determine your unclaimed super, lost member and inactive low-balance accounts as at the end of the unclaimed money day. It's important to provide the correct account details, as we may be unable to recover money paid to an. 8 billion of lost or unclaimed superannuation in Australia – and some of it could be yours. This includes amounts paid by employers, super funds, retirement savings accounts (RSA) providers or the government on your behalf. Super funds currently hold $10. Super funds currently hold $10. ATO – Unclaimed super and lost member reporting and payments due by 31 October 2023. West Rewards. If you have your tax file number (TFN). Unclaimed super money are amounts you are required to report and pay to the ATO under the Superannuation (Unclaimed Money and Lost Members) Act 1999 (SUMLMA). 03A (1) (b) of the SISR or subregulation 1. This includes the requirement for providers to report and pay in the approved form by the scheduled statement due dates as follows: for an unclaimed money day being 31 December of any year – 30 April of the following year. I have found that I could phone 132865 to search for my lost super, but I am not sure I can phone to that number from Italy. The Tax Office said this is an increase of $2. And it’s an increase of $2. The West Live. Single touch payroll (STP) deferral or exemptions. for an unclaimed money day being 30 June of any. sign in to myGov. 6 billion in super, an. 6 million people had only one super account. By using ATO online services, you can keep track of your super. External Link. Super providers are required to report and pay super to the ATO once it reaches certain USM category requirements. Your super fund will generally report you as a lost member to the ATO if: you’re uncontactable and your account hasn’t received a contribution or rollover in the last 12 months, or; you joined an employer super plan and the fund has not received a contribution or rollover for you in the last five years. This may happen if your other. If so, contact any previous super funds to see if they hold super for you. QC 23212. This form may take some time for us to process. super funds. You can also use the ATO app for some of these things. Finding lost or unclaimed superannuation is easy and can be done in a matter of minutes. apply for it to be paid to you directly, if you have met all the eligibility requirements. 4 billion dollars in lost super. We aim to make it easy for you to search for lost or forgotten super and combine it¹ into one account through QSuper Member Online. The terms and conditions of Australian Super Finder I authorise the designated registered tax agent to act as my tax agent solely for the purpose of searching for my superannuation records. If you’ve recently opened a new. Deceased members: If the. gov. Home. Fast Key Codes for letters – alternative phone service. If you've already sent paperwork to us in regards to lost super, we'll be in contact with you to advise what super funds we've located for you and if we're holding any super on your behalf. WHO CAN HAVE UNCLAIMED SUPER? Super funds are required to report and pay unclaimed super money to us twice a year. tax file number (TFN) name. Once you’ve reached your preservation age and you retire from the workforce, you can access your super. More than $11 billion sits with the Australian Taxation Office (ATO) in unclaimed super. Be prepared to provide the following information upon request: your personal details. If you did an unclaimed money search and found some money, you should lodge a claim. Application for payment of ATO-held superannuation moneyHow to apply for super held by the ATO online or by using the paper application form (NAT 74880). I consent to my details being collected and stored for the purpose of finding my lost super, and to being advised of my results. a paper form. Unclaimed super could be costing your retirement. Information in other languages. 1 Source: ATO Lost and unclaimed super as at 30 June 2020. 3. Find out more about managing a deceased estate. Claim details are below for different types of lost money: Bank accounts and bank dividends; Life insurance policies Unclaimed super money statementHow to complete the Unclaimed superannuation money form (NAT 71864) for super funds. Last modified: 02 Mar 2022 QC 24734 FooterThe one who died in 2007 has unclaimed super wiith the ATO. I have $330k currently. If your super relates to an earlier period, you can check your options from our lost super web page. Lost, missing or destroyed payment summary. A super provider determines their USM on the unclaimed money day, and reports and pays by the scheduled statement day. Employers can utilise this service to determine whether employer contributions qualify as. So it can be easy to lose. Tax may be payable in Australia. Lost member reporting. 6 billion, which is a 40 per cent increase since 2019. Monday to Friday. Victoria and Queensland have around $2 billion to be claimed, Western Australia with just over $1 billion, and South Australia with $798 million. 5) Act 2021 was enacted to improve the operation of the Trans-Tasman retirement savings portability arrangement between Australia and New Zealand by allowing the ATO to directly transfer unclaimed superannuation money (USM) of New Zealand (NZ) residents via the KiwiSaver Provider. Be prepared to provide the following information upon request: your personal details. When and how you can transfer or roll over your super to another fund, and how to consolidate multiple super accounts. How super contributions and withdrawals are taxed. /Super/SMSF-newsroom/General/Could-you-have-lost-super- Finding lost super and super held by the ATO According to the Australian Taxation Office (ATO), Australians had just under $16 billion of lost or unclaimed superannuation as at 30 June 2022. Dial that optimal super funding Increasing your amazing offset Change super funds How much super accomplish thou require? Strengthening fantastic Self managed super funds (SMSFs) Get Superannuation. date of birth. phone number link: it's at the bottom of the page Technical support | Australian Taxation Office (ato. Unclaimed super is when your fund transfers lost super to us. Therefore you will need to claim your super through the ATO website. By using ATO online services, you can keep track of your super. your employer's details – including their Australian business number (ABN). Super funds currently hold $10. Also, he knows that Maree's estate will continue to receive income from the shares and rental property. It's easy to find your lost super online through the ATO: Log in or create an. To do so, you'll need to provide the following documents: a copy of the deceased person's death certificate. Follow the prompts to check if the ATO is holding any super for you. Interest is paid on unclaimed money, calculated from 1 July 2013. Only phone these numbers if we contact you by phone, SMS or letter. Six months after the money has been transferred to the ATO the member contacts the fund claiming financial hardship. Upon receipt of an application by a person the lost member account belongs to, or on the ATO’s own initiative, we must pay the money to: a complying super fund the member (if. How to find your lost super. Treasury Laws Amendment (2021 Measures No. The ATO is also proactively working to find people who are entitled. The Superannuation (Unclaimed Money and Lost Members) Act 1999 requires Australian superannuation schemes to transfer savings from such “lost” superannuation accounts to the ATO. Other types of lost money. inactive low-balance accounts. There’s one postcode in Sydney where there’s more than $81 million in. Transfer of ATO-held USM to a New Zealand financial institution. There's around $16 billion in lost and unclaimed super across Australia 1. Common Reporting Standard. Latest. If you're not to check virtual for lost super, thee can: phone the ATO’s automated super search line on 13 28 65, or; complete the PDF form Searching for lost and unclaimed great and post it to: Australian Taxes Your PO Box 3578 Albury NSW 2640Division 293 tax. The Unclaimed superannuation money (USM) statement paper form is for super providers with reporting and payment obligations under the Superannuation (Unclaimed Money and Lost Members) Act 1999 (SUMLMA) and for funds reporting New Zealand sourced USM amounts. I consent to my details being collected and stored for the purpose of finding my lost super, and to being advised of my results. It's easy for AustralianSuper members to search for any lost super you may have with other super funds or the ATO. Link your myGov account to the ATO. You can ask your preferred super fund to find lost super and ask them to. You can apply for a DASP via either: the DASP online application system. 8 billion in Australians’ hard earned wages is waiting to be claimed, in the form of lost and unclaimed superannuation. The support centre helps people who have had their. date of birth. 2 Productivity Commission 2018, Superannuation: Assessing Efficiency and Competitiveness, Report no. New ATO data released a month ago has found that Australians have an eye-watering $16 billion in lost or unclaimed superannuation —an increase of $2. by lodging a paper form with the fund you wish to transfer your super from – Rollover initiation request to transfer whole balance of superannuation benefits between funds. If so, you'll be able to request to transfer it into a super fund you're currently with, or you may be able to have it paid directly to you. moved overseas. The ATO recently indicated this is an increase of $2. Superannuation fund reporting protocol for lost member accounts. Let us do the hard work. If this account is active. Use ATO online services to keep track of your super, including accounts you may have forgotten or lost touch with. It's easy to find your lost super online through the ATO: Log in or create an account. One account that I know of for sure as the super fund sent him a letter stating that due to the account being inactive they were sending it to the ATO. Changing jobs Take your QSuper account with you when you change jobs by giving your new employer your QSuper details. +61 3 9268 8332. Like Fiona, a simple super search could help you track down money that belongs to you. Regulations 6. Adding to this, the recent reforms set out in the Treasury Laws Amendment (Protecting Your Superannuation Package) Act 2019 led to 537,000 inactive low-balance accounts being transferred to the ATO. Account – 12178-1. date of birth. Save for an emergency fund Be prepared for life’s surprises. ATO held super can come about for quite a few reasons outlined here, and super funds must report and pay lost super in certain circumstances. In a statement on Friday, the ATO revealed more than 90,000 accounts have more than $600 million in unclaimed or lost super - and those were just the top 10 suburbs across the country - as at June 30 this year. Superannuation Industry (Supervision) Regulations 1994 (SIS Regulations). Six months after the money has been transferred to the ATO the member contacts the fund claiming financial hardship. Work out if there is tax on money or assets you inherited, or are presently entitled to. The Government is about to take control of 100,000 unclaimed super accounts. Provision of member information. visa holder status (if applicable) Lost super and consolidation. date of birth. Managing on a low income Get the most out of your money. +61 3 9268 8332. Around $13. Note: if the ATO. QC 23846. nominal interest of 10% per annum (accrues from the start of the relevant quarter) an administration fee of $20 per employee, per quarter. Alternatively, if you are unable to access ATO online services, you can call the ATO’s lost super search line on 13 28 65. The total lost (fund-held) and ATO-held super as of 30 June 2022 was just under $16 billion for 6. Check with both super funds, particularly the transferring fund, so you are aware of any fees or charges that apply, any effect on your benefits, and any loss of entitlements such as insurance. If your TFN is lost or stolen. This document provides answers to the following common questions which were asked during the August 2019 Unclaimed money, lost member and inactive low-balance account reporting obligations webinar. Monday to Friday. Chant West Super Fund Fee Survey March 2023. You should be able to see details of a newly opened account soon after it opens, provided the super fund has reported it to us. Finance Your Super AUSfund beats the ATO in uniting lost funds with workers and paying bigger interest. The process. The ATO maintains a register of reported lost members but the super fund still holds your monies. Superannuation funds currently hold $10. We'll search the ATO and other super funds to find all of your super accounts, including any unclaimed super. From the top. When super funds wind up they transfer the funds to a new successor fund, which would've happened to you when your old super fund closed. You can also use ATO online services to consolidate your super accounts and find any accounts you've lost touch with, including unclaimed super that has been transferred to us. gov. You are required to assess the lost status of your members at least twice a year: on or after 31 December but before 30 April. Source: Zenith CW Pty Ltd (Chant West) (ABN 20 639 121 403). “From November 1 onwards, around 2. From the top. You can view details of your super accounts including: super accounts you may have lost track of and any ATO-held super. Open the myGov help. What should I. 1 billion since last. West State Super members with lost accounts. West State Super members with lost accounts. This may be held by: Your super fund; The ATOForms and instructions. 3 million lost and ATO-held super accounts with a total value of almost $18 billion. Steps to take: Check the deceased’s records, the ATO Lost Super Register and the last employer for all their super funds. Jodie_ATO (Community Support) 28 Feb 2023. You will find the provisions governing the reporting and payment to the ATO of unclaimed money for deceased members in Part 3 of the Superannuation (Unclaimed Money and Lost Members) Act 1999 (SUMLMA). Lost or unclaimed super gets transferred to the ATO so you can claim your super using a central department where your funds can be more easily identified and fees don’t apply. Step 4: Report unpaid super. Find and manage lost super with myGov. We can help you find lost super, rollover super from your existing super fund or consolidate multiple super accounts. Fill in as much of the requested information as you're able. He added that last year more than 540,000 active, lost and unclaimed super accounts worth more than $4. If your payment summary is lost, missing or destroyed you can get the information you need by: requesting a letter from your employer or payer stating details of your income and the amount of tax withheld. Payment support (call-back line) – if we reach out to you to offer help, you can phone us back on this number. I have recently stopped paying into my Australian super fund. Tax return for individuals 2023. If you're not able to lodge online, use the Application for payment of ATO-held superannuation money (NAT 74880, PDF 261KB). Services, support and obligations for super funds regulated by the Australian Prudential Regulation Authority (APRA). 2 Some of it could be yours. Australian Taxation Office canberra July 2013 JS 27623 OUR COMMITMENT TO YOUInformation you need to report. 10:26pm, Nov 22, 2019 Updated: 2:08pm, Nov 25. using the prefilling service to automatically load your payment summary and other information. However, you cannot get the full amount of your superannuation back. Urgent help with money If you’re struggling or in crisis. You can do this by logging into your MyGov account and using ATO Online Services. Unclaimed super money are amounts you are required to report and pay to the ATO under the Superannuation (Unclaimed Money and Lost Members) Act 1999 (SUMLMA). g. If there's been a change in the. Super becomes ‘lost’ when it is still held by the fund but the member is uncontactable or the account is inactive. Slideshow 8937240 by yourlostsuper. +61 3 9268 8332. 4 billion in lost super savings is held by funds, while the ATO has about $5. by completing a paper form. The law. Lost super is money held by super funds where the member is either: uncontactable – the fund has lost contact with the member and the account hasn’t received a contribution or rollover for 12 months. Lost super (fund-held) includes both uncontactable and inactive super. Lodge claim (s) with the fund (s). “That’s a lot of money. 8:00 am to 6:00 pm. To claim your super, you will have to go to the ATO website. Unclaimed super can be the super of: Fund members aged over 65; Non-member spouses; Deceased members; Former temporary residents. visa holder status (if applicable) ATO-held super includes amounts paid by employers, super funds and the government. Searching for lost and unclaimed super WHEN COMPLETING THIS FORM You can complete this form electronically or with a pen. There is over $20 billion worth of lost superannuation in Australia [1], as at 30 June 2019. See moreLost super search line. PAYG withholding. You can search for your lost superannuation online using myGov, by phoning our lost super search line on 13 28 65 or by completing a paper form (NAT 2476). au, which includes a completed ATO form, but we are yet to receive a response. make a payment arrangement for a debt that is less than $200,000. Superannuation fund reporting protocol for lost member accounts. Account – 12178-1. The supplier is the organisation who has lodged the Unclaimed superannuation money (USM) statement with the ATO. An Unclaimed superannuation money non-lodgment advice cannot be used to report former temporary residents in response to a notification from us. Give you the Results. We will not return documents that you mail to us. Generally, super will be transferred to us from providers in these cases: unclaimed super of members 65 years or older, non-member spouses and deceased members; super of former temporary residents who have left Australia for 6 months or. All accounts held in eligible rollover funds (ERF) have now been transferred to the ATO and all ERF were wound up by 31 January 2022. This postcode data is made available to the community to encourage individuals to check all their super. If a death benefit is paid to a dependant of the deceased, it can be paid as either a lump sum or income stream. You can find your income statement in ATO online services through myGov or the ATO app. Who can have unclaimed super? Super funds are required to report and pay unclaimed super money to us twice a year. ATO-held super includes amounts paid by employers, super funds and the government. “That’s a lot of money. Find your lost super Australians have billions of dollars in lost super with the Australian Taxation Office (ATO) and some of it could be yours. Finding lost or unclaimed super. Lodge a private ruling or objection application. As at 30 June 2022, total lost (fund-held) and ATO-held superannuation was $16 billion for almost 6. About 23 per cent of Australian workers also have multiple super accounts, which can make it easier to forget about or lose superannuation, the ATO said. apply for a franking credits refund. unclaimed super of members aged 65 years or older, non-member spouses and deceased members. We can then help you consolidate everything into one super fund of your choice for a one-off fee. Find lost super. Let us do the hard work. Australian Taxation Office - Search for lost superannuation by registering for the Australian Taxation Office's online services via myGov. Tax file number (TFN) application for individuals. 1 billion since last financial year,” Rosenzweig said at the Conference of Major. Monday to Friday. Lost member reporting. We pay it and any interest owing from ATO-held super without tax as it has been reported as unclaimed tax-free. order publications and forms. This means it ranks equally with employees' entitlements for wages and super contributions, as long as there. Albury NSW 2640. ) Application for payment of ATO-held superannuation money How to apply for super held by the ATO online or by using the paper application form (NAT 74880). Monday to Friday. Superannuation funds are required to report and pay unclaimed super money to the ATO twice a year. au) Hello everyone,. 3. Ready to make the best money moves when it comes to your home? Explore Pawn. gov. I have a friend who is over 65 years old and currently residing overseas. Prior year tax return forms and schedules. 28 and 6. Here are three ways you can search for lost super. auTrend towards single accounts. Upon receipt of an application by a person the lost member account belongs to, or on the ATO’s own initiative, we must pay the money to: a complying super fund the member (if a condition of release is met) the beneficiaries or the legal personal representative (in the event of their death). The Australian Tax Office said there is more than $20 billion of unclaimed super which it is trying to get back to Australians. If there's. gov. inactive low-balance accounts. This money is held by your fund. The account has been reported correctly and there is no valid reason for the money to be returned. Some of that money might be yours. You can then find and consolidate your superannuation. nthey have not received any contributions or rollover amounts for you in the last five. Unclaimed super can be the super of: Fund members aged over 65; Non-member spouses; Deceased members; Former temporary residents. Claim details are below for different types of lost money: Bank accounts and bank dividends; Life insurance policiesUnclaimed super money statementHow to complete the Unclaimed superannuation money form (NAT 71864) for super funds. Lost member reporting. 6 million super accounts and a further one million bank accounts. Use our Individuals self-help phone service to: track the progress of your tax return. Alternatively, if you are unable to access ATO online services, you can call the ATO’s lost super search line on 13 28 65. Create a myGov account. au form you can print and mail in asking for the ATO to search for any lost or unclaimed super. 1 million members and $288 billion in member assets as at 31 March 2023. The Government is about to take control of 100,000 unclaimed super accounts. 3. If you don’t complete a Standard Choice form, your employer will need to check with the ATO to find your existing super account. 8 million lost and ATO-held accounts. Using your Australian Taxation Office (ATO) online services through myGov, you can check your super, combine accounts and search for lost super. If your super is transferred to the ATO, you’ll be able to reclaim it from them. Your income statement will show your year-to-date: salary and wages. Unclaimed super generally means you're allowed to withdraw a super benefit but you haven't done that, and your fund hasn't been able to contact you. Mick Davies. au/super for more information. 2 There are no paper forms to sign or mail in. This includes amounts paid on your behalf by: employers. New data from the ATO indicates there is currently $16 billion in lost and unclaimed super across Australia. The ATO has revealed which areas have the highest amount of lost super, the Queensland postcode of 4740 covering Mackay and surrounding suburbs topping the list at $49 million. your total super balance, which is relevant to how some key superannuation rules apply to you. Activity statements. You can also ask your preferred super fund to conduct a search on your behalf. Find our most popular forms and instructions listed below or use search and then refine your results using the filters. We will be in contact within 1-2 business days to deliver the results. AustralianSuper has a total of 3. We’ll start the free search. All your super accounts including lost and ATO held super are displayed on ATO online services. see details of all your super accounts, including any you've lost or forgotten about. Find out more about how interest is paid. You will have to complete a web-based form around the ATO website. State government - Search State government websites for deceased estates,. a Transition to Retirement Pension Account, when you reach your preservation age and remain in employment, or. 6 million Australians can look forward to an early Christmas present as the ATO reunites 1. order publications and. If you haven’t created a myGov account yet, the ATO provides step-by-step instructions on how to create your account. Lost super is money held by. Zach phones the ATO and asks to temporarily pause her tax correspondence. Individuals and agents can complete a super search by phoning our automated super search line on 13 28 65. Where the trustee transfers your benefits, you should direct any request for payment to: Unclaimed Super Money Australian Taxation Office. The first step in finding your super is to create or log in to your myGov account. You can use this application to transfer your ATO-held unclaimed super money (USM) to either your: KiwiSaver scheme provider, or. If you're unable to check online for lost super, you can: phone the ATO’s automated super search line on 13 28 65, or; complete the PDF form Searching for lost and unclaimed super and post it to: Australian Taxation Office PO Box 3578 Albury NSW 2640. An Unclaimed superannuation money non-lodgment advice cannot be used to report former temporary residents in response to a notification from us. This will help you identify the deceased person's assets and income streams. About $10. You can do a search by filling out our lost and unclaimed super form which includes a section for previous name details, or contact our automated lost super search line. Lost superannuation. 13 11 42 (debt issues) Phone 13 72 86 and select Fast Key Code 1 2 2. 06 of the Retirement Savings Account Regulations 1997. Try the updated ato. The ATO currently holds $5. If you’ve had a few jobs, changed your name, or address you may have forgotten super in other funds and even lost super sitting at the ATO. Even if your name changes, your TFN won't, so any super you've had in the past will still be associated to your TFN after a name change. select Super, then Manage, then Transfer super. ATO-held super. 4 billion in lost super, while the ATO has $5. The ATO maintains a register of reported lost members but the super fund still holds your monies. inactive – an account hasn’t received a contribution or rollover in 5 years. 1 - 2 ATO – searching for lost super. 4 billion of the lost super pile. To do so, you'll need to provide the following documents: a copy of the deceased person's death certificate. ) Application for payment of ATO-held superannuation money How to apply for super held by the ATO online or by using the paper application form (NAT 74880). So that you will need to claim your super with the ATO website. You can use this application to transfer your ATO-held unclaimed super money (USM) to either your: KiwiSaver scheme provider, or. unclaimed super and you want to apply for payment. Unclaimed super money statementHow to complete the Unclaimed superannuation money form (NAT 71864) for super funds. Book a Calls. ) Application for payment of ATO-held superannuation money How to apply for super held by the ATO online or by using the paper application form (NAT 74880). According to the ATO, super funds currently hold $10. If they. Unclaimed super is money that super funds are required to transfer to us twice a year. ATO-held super is super money we hold for you. entitled to be paid your ex-spouse’s super in a divorce, and the fund is unable to contact you. The terms and conditions of Australian Super Finder I authorise the designated registered tax agent to act as my tax agent solely for the purpose of searching for my superannuation records. Over 65 years old: Funds transfer your super to the ATO if you're over 65, have had no contributions for 2 years and have been uncontactable for 5 years. Payment method for SuperStream. Keeping track of your super and Searching for lost super, will also provide you with further helpful information. This is due to the ongoing fees, charges, and insurance premiums the fund might deduct, even when the account is inactive. If we can't match super to an individual, it's held by us as 'unmatched' super until we receive more information. 3 million individuals, or 45% of the workforce, don't know that they hold several super accounts. The account has been reported correctly and there is no valid reason for the money to be returned. AMP can help you find and reclaim your super. The ATO may also transfer your super money into a super account held in your name. Managing your super Check or combine your super accounts and search for lost super with ATO online services through myGov. You will need to wait until your employer marks your income statement as 'Tax ready' before you prepare and lodge your tax return. Yes. External Link. All your super accounts including lost and ATO held super are displayed on ATO online services. Services and support Services and support provides links to resources and information to support large superannuation funds. The following are the unclaimed monies that we may hold on your behalf: n unclaimed super money – for a member 65 years old or older Super becomes ‘lost super’ when it is still held by the fund but the member is uncontactable or the account is inactive. Unclaimed super money are amounts you are required to report and pay to the ATO under the Superannuation (Unclaimed Money and Lost Members) Act 1999 (SUMLMA). External Link. That means unpaid super affects more than a quarter of employees, costing each affected worker an average of $1,700 per year. You can find and manage your super using ATO online services through myGov. Six months after the money has been transferred to the ATO the member contacts the fund claiming financial hardship. You can: See details of your super accounts - this includes any accounts from your previous jobs and any accounts held by the ATO because the government, your super fund or your employer couldn’t find an account to transfer your. A super provider determines their USM on the unclaimed money day, and reports and pays by the scheduled statement day. There are different tax rules for members of defined benefit super funds. How to save for retirement via superannuation, your entitlements and obligations, when you can withdraw your super. To apply for your Departing Australia Super Payment (DASP) use the DASP. You can check your super balances, find lost super, compare super products, choose a new super fund and transfer your super. 8 billion in lost and unclaimed super in Queensland across almost 644,000 accounts, with the Cairns, Mackay and Toowoomba regions being the dominant postcodes for lost and unclaimed monies. transfer this money back to an Australian super fund. National rental affordability scheme. It includes unclaimed superannuation money (USM) and money held in the Superannuation Holding Account (SHA). QC 23212. Select 'Super'. small lost member accounts and inactive accounts of unidentifiable members. To transfer your super back to a super fund, phone our superannuation enquiries line on 13 10 20. Previous ATO figures shared with ABC News show that last financial. If they can’t find you, some types of lost super will be transferred to us,” the ATO said. If your payment summary is lost, missing or destroyed you can get the information you need by: requesting a letter from your employer or payer stating details of your income and the amount of tax withheld.