Who'll get my super if I die?

Super exists to provide you with an income when you finish working. So, if you die, your super is given to your dependants to replace this income.

Help decide who your dependants are by nominating your beneficiaries

You can only nominate certain people as your dependants. This includes:

  • your spouse, including de facto and same sex partner
  • your child, including step child and adopted child
  • a person financially dependent on you (financial dependant), and/or
  • a person you have an interdependency relationship with (interdependent).

You can also nominate your estate. You might choose to do this if you don't have any dependants. Nominating your estate means it will generally take longer for your super to be paid to beneficiaries. Also, the benefit may be taxed and subject to fees and other liabilities of your estate when it's distributed.

You can nominate your beneficiaries in two ways

Non-binding nomination

While you advise us of your wishes, we make the actual decision about who’ll receive your super and any insurance proceeds. We’ll use your nomination as a guide only.

Binding nomination

A binding nomination provides you with certainty about who’ll receive your super and any insurance proceeds.

If you complete and maintain a valid binding nomination, we’re bound to pay your super and any insurance proceeds to the dependants you nominate and in the proportions you determine.

If you’ve made a binding nomination it will remain in place for three years. After three years you’ll need to update it. If you don’t, the current beneficiaries listed on your account will become ‘non  binding’. 

Read our fact sheet about what happens to super when a person dies.

Did you know...

Your beneficiary nomination will continue to apply unless you cancel or change it (or, if you make a binding nomination, it expires), so it’s important to update it if your circumstances change, such as separating from your partner, marrying or having children. 

Yes, we'll refund your contributions tax if you die

If you die and you're eligible, we'll refund the contribution tax you've paid during your lifetime. This refund can amount to many thousands of dollars. Because it's not a legal obligation, not all super funds refund this tax. 

These refunds, known as 'anti-detriment payments', are paid to your current or former spouse (including de facto and same sex partner) or your children (of any age) if your super balance is paid to them as a lump sum. The refund is paid in addition to your super balance and any insurance payments.

We use the Australian Taxation Office approved formula to calculate the refund.

Ticking a box isn’t enough when deciding who’ll get your super if you die

A recent tragedy, where a man who died in a car crash nominated his mother to receive $240,000 in super and death insurance payments, shows the importance of making a binding death benefit nomination, as his nomination had no legal standing.
Read more at the Herald Sun…