Taking a few minutes now could save your family and loved ones significant time and stress, later down the line.
How your super is distributed after your death is a bit different to other financial assets.
Even if you have set out your wishes in a will, we need a valid beneficiary nomination to release your super in the way you want.
As part of your estate planning, it’s a good idea to make your wishes known by completing a beneficiary nomination form.
The process can get a little complicated when a beneficiary hasn’t been nominated. Completing a nomination can help eliminate any ambiguity around how your benefits should be administered after your death.
How to nominate who gets your super
- Make a binding nomination: provided the nomination is valid, give yourself peace of mind that we’re legally bound to pay your benefit out in exactly the way you request. This type of nomination can be made permanent, or set to expire every three years.
- Make a non-binding nomination: communicate your preferences for how your money should be paid out, which we’ll take into account but are not legally bound to follow.
Who can receive your super
Your super can only be paid out to a dependent or your legal representative (the executor or administrator of your estate).
Dependents can include your spouse or de facto partner, your children (biological, adopted and ex-nuptial), or someone with whom you have an interdependency relationship.
You can also leave your super to a financial dependent, which may include someone who relies on you to meet daily living expenses such as rent, utilities and household outgoings. This also covers anyone who shares your major financial commitments such as mortgage repayments and loans.
What they will receive
If you have completed a binding beneficiary nomination, will be paid out as a death benefit.
This consists of your account balance and any death cover paid by the insurer, less any applicable fees and taxes.
Your money doesn’t have to go to one person. You can provide us with a percentage breakdown of how the money should be distributed to the people you would like to leave your money to.
When we receive a certified death certificate, your super will be reinvested in the Cash investment option to protect it against market fluctuations.Tell me more about making an insurance claim
If you only do three things...
Make sure your nominations are legally valid
Strict legislation dictates only those who are dependent on you or your estate at the time of your death can receive your super.
Decide on a permanent or lapsing nomination
A binding nomination can be made to last for up to three years, or permanently. It’s up to you to choose a type of nomination that reflects the needs of your personal circumstances.
Tell your beneficiaries they have been nominated
We can’t do anything with your super until we receive a certified death certificate – which usually comes to us via your beneficiary. Make sure they are aware of how to contact us and make a claim.
Nominate your beneficiariesShow more
Make a binding death benefit nomination (FSS048)
(FSS048) Nominate who you want to leave your super to by making a binding death benefit nomination for your super account.
Make a non-binding nomination (FSS049)
(FSS049) Nominate who you want to leave your super to by making a non-binding death benefit nomination. You can also nominate a non-binding beneficiary by logging in to your online account.
Renew lapsing death benefit nomination (FSS051)
(FSS051) Renew your lapsing binding death benefit nomination for your super account.
Defined benefit forms
Nominate your beneficiariesShow more
Make a binding death benefit nomination (FSS107)
(FSS107) Nominate who you want to leave your super to by making a binding death benefit nomination for your defined benefit account.
Make a binding death benefit nomination (FSS108)
(FSS108) Renew your current lapsing binding death benefit nomination for your Defined Benefit lump sum (excluding any lifetime pension).
Need more information?
Claiming a death benefit