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You will normally be required to nominate beneficiaries to your superannuation savings at the time you set up your superannuation policy. It is important to update the names of beneficiaries if you separate or divorce from a partner or if any of the nominated beneficiaries die before you.

There are two different types of nominations you can make in relation to how your superannuation death benefits are paid:

  • Non-binding Nominations where the superannuation trustee is not bound by the nominations but will use it as guidance in deciding where to pay the benefits.
  • Binding Death Nomination where the superannuation trustee must pay the death benefits in accordance with the nomination. A binding death nomination provides greater certainty about where death benefits will be paid but need to be renewed every three years.


If you have not nominated beneficiaries to your superannuation fund, or the nominated beneficiaries are no longer living or contactable, the trustees of the superannuation trust will normally determine the appropriate beneficiaries by establishing who is dependent upon you at the time of death. If no dependants can be established, then it is possible that your superannuation entitlements will form part of your estate and be left in accordance with your Will.


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When making decisions on your behalf, your attorney must act as they believe you would have acted in the circumstances. In addition... read more