WHAT HAPPENS TO MY SUPER WHEN I DIE?

When you die, the Trustee must pay your death benefit either to your ‘dependants’ or to your legal personal representative. Making a beneficiary nomination helps the Trustee determine who receives your super death benefits. View this information in a printable fact sheet

Your ‘death benefit’ includes your super account balance plus any insurance benefit if you had insurance as part of your super.

What types of nominations are there?

There are two types of nominations:

• A Binding Death Benefit Nomination binds the Trustee to pay your death benefit to the persons you nominate and in the proportions specified by you. (This is provided the nomination is still valid and in effect at the event of your death.) Binding death benefit nominations are only valid for three years, after which they must be renewed.
  
  
• You can make a Preferred Beneficiary Nomination if you don’t want to make a binding nomination. A preferred beneficiary nomination acts as a guide to the Trustee when deciding who to pay your death benefit to.

How do I make a nomination?

You can make a nomination at any time by sending us the appropriate form below. If your circumstances change, you can also change or revoke your nomination using the same form.

(a) Binding Death Beneficiary Nomination Form or (b) Preferred Beneficiary Nomination Form

(c) View beneficiary nomination tips

Who is my dependant?

For super purposes, your dependants can be:

• Your legal or defacto spouse (includes both sexes);
• any children (includes an adopted child, step child, ex-nuptial child or child of your spouse); and
• any other person with whom you have an interdependency relationship if:
  
  

  – you have a close personal relationship; and
  – you live together; and
  – one of you provides the other with financial support; and
  – one or each of you provides the other with domestic support and personal care.
  

If you and the person do not live together due to a physical, intellectual or psychiatric disability, they may still be considered your dependant. (View this information in a printable fact sheet).

 For more information or assistance, please call our friendly Member Services team on (03) 9911 3222 (regional callers 1300 300 820) or email us.