When a member passes away, it’s our job to make sure their money is paid to the right beneficiary.

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We manage the distribution of a death benefit either with the member’s legal representative or directly with the beneficiary.

To start the process, we first need to be notified of our members' death with a certified copy of their death certificate.

From there, it's straightforward if we have a valid, binding nomination at the time of our member’s death: we find the beneficiary, and pay out the death benefit as a lump sum.

If our member hasn’t told us who they want to leave their super to, we are responsible for finding the most appropriate recipient of their money.

We consider all claims on their own merits, according to superannuation law and our trust deed and rules.

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How to make a claim

As a potential beneficiary, you will need to provide us with the member’s certified death certificate, proof of age and proof of identity, and a certified copy of their Will.

You will also be asked to provide the following:

  • Your ID
  • A certified copy of the Grant of Probate or Letters of Administration for the deceased estate, if there is one
  • A general information and statement of relationship form
  • A request to be considered in the distribution of a death benefit declaration, or a request not to be considered if you’re an entitled beneficiary who doesn’t want to make a claim.

These documents form the basis of our decision making.

If our member had death insurance with us, a claim will also be made with our insurer.

When a decision is made, and where required, we will inform all potential beneficiaries in writing and allow 28 days to respond and confirm if they agree with the decision. 

If they disagree with the decision, there will be an opportunity to make a formal objection. However, no money will be paid out until all issues have been resolved.

If we don’t hear back, the benefit will be paid out accordingly.

Taking out tax

If the beneficiary of the estate is a dependent under tax law, no tax is payable on the death benefit.

If the nominated beneficiary is not a dependent under tax law, the taxable component from a taxed source is taxed at 15%, and the taxable component from an untaxed source is taxed at 30%. Statutory levies may also apply.

If you’re unsure of your status or entitlements, our service centre is available to answer any of your questions.

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