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Family and Beneficiaries

What happens to my super if I die?

If you die, your accumulated super benefit can be paid to your dependants or to your estate.

It's important to nominate beneficiaries for your super. Your super will be paid to them as long as they were still your dependant when you died.

Who can I nominate as my beneficiary?

You can nominate one or more dependants or your legal personal representative (the executor of your Will or administrator of your estate) to be your binding beneficiary or beneficiaries. Dependants include your spouse, your children, or anyone who has an interdependency relationship with you.

How do I nominate beneficiaries?

Your nominated beneficiary or beneficiaries are the person(s) you want to receive your accumulated super benefit in the event of your death. Nominating a beneficiary or beneficiaries is not mandatory, but it can give you peace of mind.

  • The people you nominate to receive the benefit must be either your dependant (as defined above) or your legal personal representative.
  • The proportion of the benefits payable to each person you nominate must be clear or easily ascertainable from the nomination form.
  • The nomination must be in writing.
  • You must date and sign the nomination in the presence of two witnesses both of whom must be over the age of 18 and not listed as beneficiaries in the nomination.
  • The nomination must contain declarations from each of the two witnesses confirming that you signed and dated the nomination before them.
  • The nomination must not have been revoked.
  • The nomination must have been made, confirmed or amended within three years of your death (that is, you must keep the nomination up to date and review it every three years).
  • You must give us the nomination (someone else cannot give it to us after your death).

Third party authority

It's important to nominate people who can act on your behalf if something happens to you.

You can nominate a third party to access your personal super entitlement information or act on your behalf. This could include a family member, financial advisor, or someone with Power of Attorney.

Your authorisation will be valid indefinitely or until you revoke it by advising us in writing.

What is an interdependency relationship?

Super law defines an interdependency relationship as between two people who:

  • have a close personal relationship, and
  • live together, and
  • one or each of them gives the other financial support, and
  • one or each of them gives the other domestic support and personal care.

An interdependency relationship may also exist if there is a close personal relationship between the two persons, but one or more of the other requirements for interdependency are not satisfied because of a physical, intellectual or psychiatric disability.

Can I change my current beneficiaries?

Yes, you can change the beneficiary or beneficiaries set out in a valid nomination.

For instance, you may want your current valid nomination to reflect a change in your personal circumstances such as:

  • marriage
  • divorce
  • the start or end of a registered relationship
  • the birth of a child
  • a change in a current interdependency relationship
  • the start of a new interdependency relationship, or
  • the death of a nominated beneficiary.

Change beneficiaries using the Beneficiary nomination form.

Must the trustee pay to nominated beneficiaries in all cases?

There are limited exceptions where the trustee of ADF Super, Commonwealth Superannuation Corporation (CSC), may not be required to pay your benefit in accordance with a valid binding nomination. For example, if CSC is:

  • subject to a court order (such as a Family Court of Australia order) preventing payment of the benefit, or
  • aware you are subject to a court order that prohibits or restricts you from giving a binding nomination or requires you to amend or revoke such a nomination.