Understanding death benefits

Planning for when you’re not going to be around can feel morbid. But with the right insurance cover and instructions about where you’d like your super benefits to go, you can rest easy knowing your family will have financial support.

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Who can make a death benefit claim?

If you’re a dependant or beneficiary of the CSC customer who has died, you may be able to make a death benefit claim. If CSC and the insurer (if applicable) approve your claim, you will receive a lump-sum death benefit payment.

The death benefit payment may be made up of:

  • an insurance benefit payment, if the person who died had Death and Total and Permanent Disability (TPD) cover, and
  • a super benefit payment.

Key points for our customers

Know your level of cover

As an ADF Super customer, you are generally covered by lifePLUS Protect default the day after you leave the ADF if you are 25 or over and your account balance is $6,000 or more. (Note that if you’re under 25 and/or your account balance is less than $6,000, you’ll need to opt-in within 60 days of leaving the ADF to get lifePLUS Protect auto insurance cover.).

If you tailored your cover to suit your personal circumstances, you’ll be with lifePLUS Protect choice.

Both types of insurance include Death and TPD cover, unless you’ve chosen to opt out of cover altogether. To check the level of cover you have, log into your account and go to the Insurance section.

To find out more about lifePLUS Protect cover, visit the pages below or give us a call on 1300 725 171

Plan ahead

To help make things simple for your family, dependants and nominated beneficiaries when you die, we’ve developed a Planning ahead pack. This practical, short document:

  • explains to you and your beneficiaries where your super goes when you die,
  • lists the documents claimants will need to provide to make a death benefit claim and how to contact CSC, and
  • provides a contact checklist to help you gather details about your life right now, like which insurance policies you have, any loans you have and who they’re with, details of your private health insurance and more.

    It’s a good idea to run through this pack with your dependants/beneficiaries, to update the pack regularly and to store it in a safe place with your other important documents.

    Nominate your beneficiaries

    Generally, you can’t leave your super to a particular person in your will, so please let us know how you want your super to be paid when you die. While you don’t have to nominate a beneficiary, it helps us know who you want to look after financially after you’ve gone. To nominate, change or cancel a beneficiary nomination, just complete our beneficiary nomination form.

    If you nominate a person who’s not your legal personal representative, and that person is not a dependant under superannuation law when you die, the information you have provided will be taken into consideration but the benefit will be paid at our discretion—as guided by superannuation law. 

    You’ll need to renew your nomination every three years for it to stay valid, and we’ll do our best to contact you before the three-year period ends.

    If you don’t have an eligible spouse or any eligible children, you can nominate beneficiaries who you would like to receive your ADF Cover death benefits if you die. This is a non-binding nomination which means CSC may exercise its discretion in considering your nomination.

  • More information

    When does my cover start?

    Can I cancel my lifePLUS Protect cover?

    You cancel all your Death and TPD cover, or cancel only your TPD and keep your Death cover. (Note, you can’t be insured for TPD cover alone.)

    Note that if you cancel your cover and want insurance again in the future, you will have to go through the full insurance application process.

    Before you cancel your cover, call us on 1300 203 439 to discuss what you’d like to do. We're here to help.

    Or, if you’re certain and ready to cancel your cover, log in to your account and go to the Insurance section.

    Cover is generally based on your age

    If you’re with lifePLUS Protect default, you’ll automatically receive Death and TPD cover that changes depending on your age. Note that age-based and account-balance conditions apply to automatic cover. See Eligibility for insurance and cover for details.

    Your Death and TPD cover is usually higher when you need it most—during life stages where you might face bigger costs or more expenses, like when you buy a home or start a family. Your cover is usually lower when you’re likely to rely on insurance the least—during life stages when your income is highest, like when you're contributing more to your super and when your mortgage decreases.

    If you're with lifePLUS Protect choice, you can choose age-based Death and TPD cover at any time. Note, if your current level of cover is less than the aged-based cover that would normally apply to you, you'll have to go through a full insurance application process.

    You can fix or tailor your cover

    If you have lifePLUS Protect default cover, you can:

    • fix your Death and TPD cover so that it stays the same every year until you turn 61.
    • apply for extra cover under lifePLUS Protect choice through a full insurance application process.

    Use our Insurance Calculations Sheet and refer to our worked examples to help you decide how much Death, TPD and Income Protection insurance you may need and how much it costs.

    If you’d like to change your cover, log into your account to make the change or complete and return the lifePLUS Protect Application and variation form.

    You might be eligible for a terminal illness benefit

    If you have a terminal illness, you might be eligible to claim a terminal illness benefit that is equal to the amount of your Death cover.

    To apply, you must have a terminal illness and this means:

    • you suffer from an illness, or have incurred an injury, which two Medical Practitioners have certified, jointly or separately, and in the opinion of the insurer, is likely to result in your death within 24 months from the date of the certification (the “certification period”) regardless of any reasonable treatment undertaken, and
    • at least one of the Medical Practitioners is a specialist practising in an area related to the illness or injury suffered by you, and
    • the certification period has not ended for each of the certificates.

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