About beneficiaries

Knowing who your super benefit will be paid to in the event of your death can give you peace of mind.

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Nominating a beneficiary is not mandatory, but it can help to provide peace of mind. 

There are two kinds of beneficiary nominations you can make—a binding or a non-binding nomination.

A binding nomination is used to nominate your preferred beneficiaries and we are bound to pay your benefit to the beneficiaries you have nominated. This kind of nomination provides you with greater certainty about who receives your benefit if you die. A binding nomination overrules any previous non-binding or binding nominations. A binding nomination will expire after three years. For it to remain valid, you need to renew your nomination before your nomination expires. We will send you a reminder 3 months before your beneficiary nomination expires, so please make sure your contact details are always up to date. You can renew your beneficiary nomination at any time through your online services account.

A non-binding nomination is used to nominate your preferred beneficiaries. Your nomination will not be binding on CSC, and will only be used as a guide when we determine who we pay your benefit to.
A non-binding nomination will not expire.

Non-binding nominations can be completed through your online services account, log into your account complete the non-binding beneficiary nomination form.

 

Nominating a beneficiary

How do I nominate a beneficiary?

Binding: Use our Beneficiary Nomination Form. Alternatively, you can consult a solicitor to prepare your binding beneficiary nomination which you can send to us.

Non-binding: Use our Beneficiary Nomination Form, or your online services account.

Who can you nominate

You can nominate one or more dependents and/or your legal personal representative (the executor of your will or administrator of your estate). Dependents include spouse, children or anyone who has an interdependency relationship with you.

If your nomination is valid and hasn’t expired, CSC is generally required to pay your death benefit to the beneficiary you nominate. If a person you nominate is a dependant at the time of your nomination but not at the time of your death, CSC will use its discretion in accordance with the law to determine who will receive your benefit.

Valid binding nomination

To be valid, your binding nomination must be: to a dependant under super law, signed and witnessed in a certain way using a legal instrument called a binding beneficiary nomination form, and renewed every three years (unless you chose to reconfirm, change or revoke your nomination before the time ends). You should review your beneficiary or beneficiaries if there’s a change in your personal circumstances such as marriage, divorce or the birth of a child.

If you are unable to make a binding nomination, you can make a non-binding nomination. This type of nomination guides CSC on who to pay your superannuation benefit in the event of your death, but CSC is not bound to follow these instructions.

Is CSC required to pay to nominated beneficiaries in all cases?

We are generally required to pay your benefit in accordance with the valid binding nomination form we receive from you. There are exceptions to this.

We may not be required to pay a death benefit in accordance with a binding nomination if we are:

  • 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.

We are not required to pay your benefit in accordance with your non-binding nomination, but we use this as a guide to paying your benefit after your death.

Do I need to get advice?

Nominating beneficiaries is an important decision only you can make. However, there are things to consider and you may want to consult a licensed professional, such as a solicitor, to help you.

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