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.
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.
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.
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.
Super law defines an interdependency relationship as between two people who:
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.
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:
Change beneficiaries using the Beneficiary nomination form.
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: