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Pay for meals and catering with tax free income!
With the Meal Entertainment benefit you can pay for restaurant meals, functions and home catering costs with pre-tax income. Learn more

Salary package a new car
Did you know you can save thousands by salary packaging a car and all the running costs? It’s easy with a novated lease. Learn more

Standard Salary Packaging

As part of your employment with NSW Health, you have the opportunity to participate in a salary packaging program that can potentially offer you valuable financial benefits. The program is managed by SalaryPackagingPLUS, the provider specifically chosen for NSW Health employees.

As a NSW Health employee you can claim $9,009 of General Living expenses (like car, mortgage, rent and credit card payments) from your employer, plus $2,650 worth of Meal Entertainment (restaurant meals and home catering expenses). This means up to $11,659 in salary can be paid to you tax-free every year.

You may also be eligible for additional tax free payments if you take out a novated lease on your family car.


  • More take home pay - By reducing your taxable income, you pay less income tax, and potentially increase your take-home pay.
  • Uses expenses you already pay - Mortgage, rent, credit card payments, and restaurant meals can all be salary packaged. You may even be eligible to package remote area housing expenses or relocation costs.
  • Most of your colleagues do it - Over 75% of Australian public health service employees are salary packaging.
  • Improved lifestyle - New vehicles, catered celebrations, and restaurant meals become more affordable when salary packaged.
  • It’s fast and easy to apply - Applying for salary packaging takes less than 2 minutes

Special salary packaging concessions are available to employers in the health, charity and not-for-profit industries, aimed at lowering remuneration costs and increasing remuneration outcomes for workers in these sectors.

Salary packaging is endorsed by the Australian Tax Office (ATO) and is used by thousands of NSW Health employees to optimise their income


Estimating your salary packaging savings is simple. Packaged salary amounts are paid to you tax-free, so you save the tax you would otherwise have paid on the amount claimed.


Note: Savings can be impacted if you have a student loan debt, receive Centrelink benefits. Speak to SalaryPackagingPLUS to understand how your savings will be affected.


Share of savings
Tax savings from salary packaging as a NSW Health employee are shared between the employee and NSW Health (the employer). In most cases the tax savings are split equally (50/50), however separate arrangements exist for eligible HSU Award employees. The current practice was established in 2002, when a shared arrangement of tax savings between NSW Health and its employees was agreed, as part of negotiations with unions, to assist in funding a wage increase.

Student loans
If you have student loan debt (STSL or HECS) you can still enjoy tax savings by salary packaging. These savings can increase your take-home pay and be used to pay off your debt faster.

Casual workers
If you are a casual worker, you are eligible for salary packaging. Contact SalaryPackagingPLUS to check your suitability.

Centrelink payments
If you receive Centrelink payments and plan to salary package, it may affect your entitlements. Please contact Centrelink before proceeding with salary packaging.


The new fee structure effective from 1 April 2023 will be as follows:
  1. For one salary packaging benefit item the fee is $23.50 per annum
  2. For two or more salary packaging benefit items the fee is $33.50 per annum
Examples:
One benefit item:
  • Your mortgage repayment reimbursement up to the maximum salary packageable amount.
  • Your fees will be $23.50 each year.
Two benefit items:
  • Your rental payment reimbursement up to the maximum salary packageable amount;
  • Your submission of meal entertainment receipts to claim further tax savings.
  • Your fees will be $33.50 each year.
Three benefit items:
  • Your mortgage repayment reimbursement up to the maximum salary packageable amount;
  • Your submission of meal entertainment receipts to claim further tax savings;
  • You include a novated lease to further increase your tax savings.
  • Your fees will be $33.50 each year.

Additional Salary Packaging Benefits
If you’re new to salary packaging or you’re already salary packaging your day-to-day living expenses, there’s a chance to boost your take-home pay even further by exploring additional benefits.


Meal Entertainment

This benefit enables you to use pre-tax income to pay for restaurant meals, or the cost of catering a get-together at home.

As a NSW Health employee you can salary package up to $2,650 worth of Meal Entertainment expenses each year including:

  • Restaurant or cafe meals eaten with your friends or family.
  • Professional catering costs for private functions (e.g. weddings or 21st birthdays)
  • Home catering expenses including the purchase of food and drink for a self catered party or holiday celebration.
  • Food and drink you consume on holiday (including overseas).

Relocation Expenses Benefit

If you have permanently relocated for the purpose of your employment, you may be able to salary package the relocation costs including:

  • Removal, temporary storage, shipping, and insurance of your household items during the relocation process.
  • Transport costs including airfares, meals, and accommodation for you and your family that relate directly to the relocation.
  • Temporary accommodation at the new or old work location.
  • Utility connection costs at the new location.
  • Cost of selling your old residence and purchasing the new residence including: stamp duty, legal fees, and agent commission.
Interested in this benefit? Simply fill in the form, and a consultant will contact you: Relocation Benefit Form

Remote Area Housing Benefit

The Remote Area Housing Benefit (RAHB) is available to employees who reside and work in remote areas of Australia, enabling them to salary package some of their housing expenses.

To qualify for this benefit, you must meet the criteria of remote area housing as defined by the ATO. View ATO - Remote Area Definition

The benefit has a potential salary packaging value of up to $18,018 per FBT year, of which the first $9,009 must be claimed as your General Living expenses capped annual benefit.

Claimable expenses include:
  • Rental Payments for your remote area residence.
  • Mortgage Interest Payments for your remote area residence.
  • House Purchase Costs when you acquire land or a house in a remote area and where the property becomes your place of residence.
  • Residential Fuel Costs including gas, electricity and firewood.
Interested in this benefit? Simply fill in the form, and a consultant will contact you: Remote Area Housing Benefit Form

Novated Leasing

Novated leasing allows you to salary package the cost of owning and operating your motor vehicle and has several benefits over traditional forms of vehicle financing including:

  • You pay less for the vehicle —there’s no GST payable on the purchase price or running costs
  • You can receive fleet discounts on the purchase price and servicing costs
  • Convenience —one all-inclusive payment covers your finance, registration, insurance, fuel, servicing and tyre costs.
  • Significant income tax savings
  • A novated lease can be taken in addition to your other salary packaging.
How to apply for a novated lease

To discuss your novated leasing options contact one of the NSW Health approved leasing companies directly:

Electric Vehicles - save even more tax

Thanks to the government’s new Electric Vehicle Discount Bill there are additional savings to be enjoyed if you make your next car electric under a novated lease. For further information on electric vehicles speak to the approved leasing companies.

MySalPack App
The MySalPack App enables you to manage your salary packaging arrangements quickly and conveniently with a smart phone. You can check your balances, submit claims, apply for further benefits, and more.

Download MySalPack for iPhone
Download MySalPack for Android

Contact SalaryPackagingPLUS
We are here to support you throughout the salary packaging process and help you optimise your income.

Call SalaryPackagingPLUS on 1300 402 523
Monday - Friday 8am - 6pm
Email: [email protected]