Nominate who gets your super
Retirement can last twenty years or more, but sometimes your super will outlive you. By nominating one or more beneficiaries, you can make sure your hard-earned savings keep supporting your loved ones after you've gone.
Peace of mind for your loved ones
No one wants to think about dying but it’s important to let us know who should get your super if you pass away. By nominating a beneficiary, you can:
- Make your wishes known — you worked hard for your super, so let us know where it should go.
- Offer clarity — life’s complicated. If you’ve had previous marriages, kids or have other financial dependents, nominating a beneficiary gives clarity and peace of mind.
- Reduce stress — help your loved ones access your super quicker to reduce stress and heartache during difficult times.
- Super isn’t in your will — super isn’t automatically included in your will. If you don’t tell us where it should go, we’ll decide based on relevant laws (which may not be exactly what you want).
A beneficiary is a person who can receive all or part of your super and any insurance payout (known as your death benefit) when you pass away. There are two types of nominations you can make: binding or non-binding.
A valid binding nomination means we’re legally obliged to pay your death benefit to your nominated beneficiaries when you pass away. You can nominate your legal personal representative or dependents.
Binding nominations need to be updated every three years to stay valid. You can renew, change or cancel your binding nomination at any time.
To make a binding nomination, fill out our binding nomination form, sign it in front of two witnesses (witnesses must be over 18 not beneficiaries) and post it back to us.
If your binding nomination isn’t valid when you pass away, we’ll work out who to pay your benefits to.
Download the Make a binding death benefit nomination form.
With a non-binding nomination, you let us know who you prefer to get your super and any insurance benefit (your death benefit) when you pass away. We’ll try to pay your benefit as directed, but ultimately it’s up to the Trustee of your super fund to decide who gets your benefit and in what proportions (based on relevant laws).
Your non-binding nomination never expires, and you can update or cancel it at any time.
To make or change your non-binding nomination, log in to Member Online.
Who can be a beneficiary?
Only certain people can receive super death benefits. You can nominate either:
- your dependants
- your legal personal representative.
For super purposes, your dependents include:
- your spouse or partner if you have a relationship as a couple
- your children of any age, including natural, step or adopted children
- any person who is financially dependent on you
- any person you have an interdependency relationship with.
For more details, read our Nominating your beneficiaries fact sheet.